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Sample records for finned-tube bank heat

  1. Heat transfer and flow characteristics around a finned-tube bank heat exchanger in fluidized bed

    International Nuclear Information System (INIS)

    Honda, Ryosuke; Umekawa, Hisashi; Ozawa, Mamoru

    2009-01-01

    Principal heat transfer mechanisms in a fluidized bed have been classified into three categories, i.e. solid convection, gas convection and radiation. Among these mechanisms, the solid convection is a dominant mechanism in the bubbling fluidized bed. This solid convection is substantially caused by the bubble movement, thus the visualization of the void fraction distribution becomes a very useful method to understand the characteristics of the fluidized-bed heat exchanger. In this study, the heat transfer coefficient and the void fraction around the heat transfer tube with annuler fin were measured. For the quantitative measurement of the void fraction, neutron radiography and image processing technique were employed. Owing to the existence of the annuler fin, the restriction of the particle movements was put. This restriction suppressed the disturbance caused by tubes, and the influence of the tube arrangement on the flow and heat transfer characteristics could be clearly expressed.

  2. Heat transfer and flow characteristics around a finned-tube bank heat exchanger in fluidized bed

    Energy Technology Data Exchange (ETDEWEB)

    Honda, Ryosuke [Department of Mechanical Engineering, Kansai University, 3-3-35 Yamate-cho, Suita, Osaka 564-8680 (Japan); Umekawa, Hisashi [Department of Mechanical Engineering, Kansai University, 3-3-35 Yamate-cho, Suita, Osaka 564-8680 (Japan)], E-mail: umekawa@kansai-uac.jp; Ozawa, Mamoru [Department of Mechanical Engineering, Kansai University, 3-3-35 Yamate-cho, Suita, Osaka 564-8680 (Japan)

    2009-06-21

    Principal heat transfer mechanisms in a fluidized bed have been classified into three categories, i.e. solid convection, gas convection and radiation. Among these mechanisms, the solid convection is a dominant mechanism in the bubbling fluidized bed. This solid convection is substantially caused by the bubble movement, thus the visualization of the void fraction distribution becomes a very useful method to understand the characteristics of the fluidized-bed heat exchanger. In this study, the heat transfer coefficient and the void fraction around the heat transfer tube with annuler fin were measured. For the quantitative measurement of the void fraction, neutron radiography and image processing technique were employed. Owing to the existence of the annuler fin, the restriction of the particle movements was put. This restriction suppressed the disturbance caused by tubes, and the influence of the tube arrangement on the flow and heat transfer characteristics could be clearly expressed.

  3. Eddy current test of fin tubes for a heat exchanger

    International Nuclear Information System (INIS)

    KIm, Young Joo; Lee, Se Kyung; Chung, Min Hwa

    1992-01-01

    Eddy current probes were designed for the test of fin tubes. Fin tubes, often used for heat exchangers, have uneven outer and inner surfaces to enhance the heat emission. The surface roughness make it difficult to detect flaws employing eddy current test(ECT). In order to overcome the difficulties we performed two types of works, one is the delopment of ECT probes, and the other is the signal processing including fast Fourier transform and digital filtering. In the development of ECT probes, we adopted empirical design method. Our ECT probes for fin tubes are inside diameter type. And we are specially concerned about geometric features such as the widths of the coils composing an ECT probe. We fabricated four probes with various coil widths. Eddy current test was performed using those ECT probes on specimens with artificial flaws. After analyzing the output signals, we found that, in order for the effective testing, the width of a coil should be determined considering the pitch of the fins of a tube. And we also learned that the frequency filtering could improve the s/n ratio.

  4. Investigations into the dynamic behaviour of finned tube heat exchangers

    International Nuclear Information System (INIS)

    Sandbrink, J.; Stegemann, D.

    1981-01-01

    Atmospheric disturbances due to thunder storms, side wind effects on the shell or ground inversion can impair the heat dissipation of a cooling tower. These effects react on the overall power plant, which is reflected in the varied electrical output. This uncontrolled behaviour has been investigated in detail for the case of a boiling water reactor nuclear power station with indirect natural draught dry cooling and compared with controlled performance. A computer model, which has been checked out by means of experimental investigations on three different types of tube, is presented to describe the dynamic behaviour of finned tube heat exchangers. (orig.) [de

  5. Laminar fluid flow and heat transfer in a fin-tube heat exchanger with vortex generators

    Energy Technology Data Exchange (ETDEWEB)

    Yanagihara, J.I.; Rodriques, R. Jr. [Polytechnic School of Univ. of Sao Paolo, Sao Paolo (Brazil). Dept. of Mechanical Engineering

    1996-12-31

    Development of heat transfer enhancement techniques for fin-tube heat exchangers has great importance in industry. In recent years, heat transfer augmentation by vortex generators has been considered for use in plate fin-tube heat exchangers. The present work describes a numerical investigation about the influence of delta winglet pairs of vortex generators on the flow structure and heat transfer of a plate fin-tube channel. The Navier-Stokes and Energy equations are solved by the finite volume method using a boundary-fitted coordinate system. The influence of vortex generators parameters such as position, angle of attack and aspect ratio were investigated. Local and global influences of vortex generators in heat transfer and flow losses were analyzed by comparison with a model using smooth fin. The results indicate great advantages of this type of geometry for application in plate fin-tube heat exchangers, in terms of large heat transfer enhancement and small pressure loss penalty. (author)

  6. Laminar fluid flow and heat transfer in a fin-tube heat exchanger with vortex generators

    Energy Technology Data Exchange (ETDEWEB)

    Yanagihara, J I; Rodriques, R Jr [Polytechnic School of Univ. of Sao Paolo, Sao Paolo (Brazil). Dept. of Mechanical Engineering

    1997-12-31

    Development of heat transfer enhancement techniques for fin-tube heat exchangers has great importance in industry. In recent years, heat transfer augmentation by vortex generators has been considered for use in plate fin-tube heat exchangers. The present work describes a numerical investigation about the influence of delta winglet pairs of vortex generators on the flow structure and heat transfer of a plate fin-tube channel. The Navier-Stokes and Energy equations are solved by the finite volume method using a boundary-fitted coordinate system. The influence of vortex generators parameters such as position, angle of attack and aspect ratio were investigated. Local and global influences of vortex generators in heat transfer and flow losses were analyzed by comparison with a model using smooth fin. The results indicate great advantages of this type of geometry for application in plate fin-tube heat exchangers, in terms of large heat transfer enhancement and small pressure loss penalty. (author)

  7. Enhancement of heat transfer. The performance of micro-fin tubes

    International Nuclear Information System (INIS)

    Muzzio, A.

    2001-01-01

    Micro-fin tubes are characterised by numerous, very small integral fins that spiral down the inner surface. A very interesting feature of their performance in flow boiling and condensation is a large heat transfer enhancement accompanied by a low pressure drop penalty. This paper presents a general overview of micro-fin tubes and of their performance in evaporation, condensation and single-phase flow [it

  8. Exergo-economic analysis of finned tube for waste heat recovery including phase change heat transfer

    International Nuclear Information System (INIS)

    Wu, Shuang Ying; Jiu, Jing Rui; Xiao, Lan; Li, You Rong; Liu, Chao; Xu, Jin Liang

    2013-01-01

    In this paper, an exergo-economic criterion, i.e. the net profit per unit transferred heat load, is established from the perspective of exergy recovery to evaluate the performance of finned tube used in waste heat recovery. Also, the dimensionless exergy change number is introduced to investigate the effect of the flow (mechanical) exergy loss rate on the recovered thermal exergy. Selecting R245fa as a working fluid and exhaust flue gas as a heat source, the effects of the internal Reynolds number Re_i, the external Reynolds number Re_o , the unit cost of thermal exergy ε_q , the geometric parameter of finned tube η_oβ and the phase change temperature T_v etc. on the performance of finned tube are discussed in detail. The results show that the higher T_v and η_oβ, and lower Re_i may lead to the negligible flow(mechanical) exergy loss rate. There exists an optimal value of Re_i where the net profit per unit transferred heat load peaks, while the variations of Re_o, ε_q and T_v cause monotonic change of the net profit per unit transferred heat load. The phase change temperature exerts relatively greater influence on the exergo-economic performance of finned tube in comparison with other parameters. And there exists a critical phase change temperature, where the net profit per unit transferred heat load is equal to zero.

  9. Heat transfer enhancement for fin-tube heat exchanger using vortex generators

    International Nuclear Information System (INIS)

    Yoo, Seong Yeon; Park, Dong Seong; Chung, Min Ho; Lee, Sang Yun

    2002-01-01

    Vortex generators are fabricated on the fin surface of a fin-tube heat exchanger to augment the convective heat transfer. In addition to horseshoe vortices formed naturally around the tube of the fin-tube heat exchanger, longitudinal vortices are artificially created on the fin surface by vortex generators. The purpose of this study is to investigate the local heat transfer phenomena in the fin-tube heat exchangers with and without vortex generators, and to evaluate the effect of vortices on the heat transfer enhancement. Naphthalene sublimation technique is employed to measure local mass transfer coefficients, then analogy equation between heat and mass transfer is used to calculate heat transfer coefficients. Experiments are performed for the model of fin-circular tube heat exchangers with and without vortex generators, and of fin-flat tube heat exchangers with and without vortex generators. Average heat transfer coefficients of fin-flat tube heat exchanger without vortex generator are much lower than those of fin-circular tube heat exchanger. On the other hand, fin-flat tube heat exchanger with vortex generators has much higher heat transfer value than conventional fin-circular tube heat exchanger. At the same time, pressure losses for four types of heat exchanger is measured and compared

  10. Experimental Study on Cooling Heat Transfer of Supercritical Carbon Dioxide Inside Horizontal Micro-Fin Tubes

    Science.gov (United States)

    Kuwahara, Ken; Higashiiu, Shinya; Ito, Daisuke; Koyama, Shigeru

    This paper deals with the experimental study on cooling heat transfer of supercritical carbon dioxide inside micro-fin tubes. The geometrical parameters in micro-fin tubes used in the present study are 6.02 mm in outer diameter, 4.76 mm to 5.11 mm in average inner diameter, 0.15 mm to 0.24 mm in fin height, 5 to 25 in helix angle, 46 to 52 in number of fins and 1.4 to 2.3 in area expansion ratio. Heat transfer coefficients were measured at 8-10 MPa in pressure, 360-690 kg/(m2•s) in mass velocity and 20-75 °C in CO2 temperature. The measured heat transfer coefficients of micro-fin tubes were 1.4 to 2 times higher than those of the smooth tube having 4.42 in inner diameter. The predicted heat transfer coefficients using the correlation equation, which was developed for single-phase turbulent fluid flow inside micro-fin-tubes, showed large deviations to the measured values. The new correlation to predict cooling heat transfer coefficient of supercritical carbon dioxide inside micro-fin tubes was developed taking into account the shape of fins based on experimental data empirically. This correlation equation agreed within ±20% of almost all of the experimental data.

  11. Experimental research on single phase convection heat transfer in micro-fin tube

    International Nuclear Information System (INIS)

    Fan Guangming; Sun Zhongning; Zhu Sheng

    2011-01-01

    An experimental investigation of heat transfer and flow resistance characteristics of single phase water in three micro-fin tubes with different fin height was conducted. At the same time, the efficiency of micro-fin tubes within the experimental scope was evaluated and the optimal working region was determined. Based on the experimental data in the optimal working region, correlations for predicting the heat transfer and flow resistance were also given by multiple regression method. The result indicates that the micro-fin tubes can greatly enhance the single-phase heat transfer in turbulent flow, and the increase of heat transfer coefficient is higher than the increase of flow resistance. The accuracy of the correlation is very high, of which the deviation from the experimental value is very small. (authors)

  12. Finned tube heat exchangers. (Latest citations from the EI Compendex*plus database). Published Search

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1996-04-01

    The bibliography contains citations concerning theoretical studies and applications of finned tubing in a variety of heat exchanger design configurations. The effects of turbulent and laminar flow are presented in terms of heat transfer for both external and internal finned surfaces. Energy conservation and waste heat recovery systems are featured and the use of refrigerants is also included. (Contains 50-250 citations and includes a subject term index and title list.) (Copyright NERAC, Inc. 1995)

  13. Study of integral characteristics and efficiency of a heat exchanger of thermosyphon type with finned tubes

    Directory of Open Access Journals (Sweden)

    Iliev Iliya K.

    2016-01-01

    Full Text Available The experimental research aims at the analysis of the thermal performance of a gas-liquid heat exchanger in a pilot plant. Results of the conducted experiment with a finned tubes thermosyphon heat exchanger using natural gas are presented. The installation was mounted at the exit of a flue gas from an existing steam generator “PK-4” with total power of 2.88 MW in the boiler room of Vini, Sliven, Bulgaria. Different experiments were carried out at different loads of the steam generator in order to determine the efficiency of the heat exchanger. Based on these results the coefficient of heat transfer of flue gas to the finned tubes was determined, based on different modes of operation with crossed and straight pipe bundles. The effectiveness-number of transfer units method was used.

  14. Experimental study on heat transfer performance of fin-tube exchanger and PSHE for waste heat recovery

    Science.gov (United States)

    Chen, Ting; Bae, Kyung Jin; Kwon, Oh Kyung

    2018-02-01

    In this paper, heat transfer characteristics of fin-tube heat exchanger and primary surface heat exchanger (PSHE) used in waste heat recovery were investigated experimentally. The flow in the fin-tube heat exchanger is cross flow and in PSHE counter flow. The variations of friction factor and Colburn j factor with air mass flow rate, and Nu number with Re number are presented. Various comparison methods are used to evaluate heat transfer performance, and the results show that the heat transfer rate of the PSHE is on average 17.3% larger than that of fin-tube heat exchanger when air mass flow rate is ranging from 1.24 to 3.45 kg/min. However, the PSHE causes higher pressure drop, and the fin-tube heat exchanger has a wider application range which leads to a 31.7% higher value of maximum heat transfer rate compared to that of the PSHE. Besides, under the same fan power per unit frontal surface, a higher heat transfer rate value is given in the fin-tube heat exchanger.

  15. 3-D NUMERICAL STUDY AND COMPARISON OF ECCENTRIC AND CONCENTRIC ANNULAR-FINNED TUBE HEAT EXCHANGERS

    Directory of Open Access Journals (Sweden)

    FAROUK TAHROUR

    2015-11-01

    Full Text Available The use of 3-D computational fluid dynamics (CFD is proposed to simulate the conjugate conduction-convection of heat transfer problems in eccentric annularfinned tube heat exchangers. The numerical simulation results allow us to evaluate the heat transfer coefficient over fin surfaces, the fin efficiency and the pressure drop. The aim of the present paper is to determine the optimum tube position in the circular fin that maximizes heat dissipation and minimizes pressure drop. In addition, this study analyzes the effects of fin spacing and fin tube diameter on heat transfer and flow characteristics for a range of Reynolds numbers, 4500≤Re≤22500. A satisfactory qualitative and quantitative agreement was obtained between the numerical predictions and the results published in the literature. For small fin spacings, the eccentric annular finned tube is more efficient than the concentric one. Among the cases examined, the average heat transfer coefficient of the eccentric annular-finned tube, for a tube shift St =12 mm and a Reynolds number Re = 9923, was 7.61% greater than that of the concentric one. This gain is associated with a 43.09% reduction in pressure drop.

  16. Numerical Analysis for Heat Transfer Characteristics of Elliptic Fin-Tube Heat Exchanger with Various Shapes

    Energy Technology Data Exchange (ETDEWEB)

    Yoo, Jae Hwan; Yoon, Jun Kyu [Gachon Univ., Seongnam (Korea, Republic of)

    2013-04-15

    In this study, the characteristics of the heat transfer coefficient and pressure drop were numerically analyzed according to the axis ratio (A R), pitch, location of vortex generator, and bump phase of the tube surface about an elliptical fin-tube heat exchanger. The boundary condition for CAD analysis was decided as a tube surface temperature of 348 K and inlet air velocity of 1.5 m/s. RCM 7th turbulent model was chosen as the numerical analysis for the sensitivity level. The analysis results indicated that the A R and transverse pitch decreased whereas the heat transfer coefficient increased. On the other hand, there was little difference in the longitudinal pitch. Furthermore, the heat transfer rate was more favorable when the vortex generator was located in front of the tube. Also, the bump phase of the tube surface indicated that the pressure drop and heat transfer were more favorable with the circle type than with the serrated type.

  17. CFD analysis of fin tube heat exchanger with a pair of delta winglet vortex generators

    International Nuclear Information System (INIS)

    Hwang, Seong Won; Kim, Dong Hwan; Min, June Kee; Jeong, Ji Hwan

    2012-01-01

    Among tubular heat exchangers, fin tube types are the most widely used in refrigeration and air-conditioning equipment. Efforts to enhance the performance of these heat exchangers included variations in the fin shape from a plain fin to a slit and louver type. In the context of heat transfer augmentation, the performance of vortex generators has also been investigated. Delta winglet vortex generators have recently attracted research interest, partly due to experimental data showing that their addition to fin-tube heat exchangers considerably reduces pressure loss at heat transfer capacity of nearly the same level. The efficiency of the delta winglet vortex generators widely varies depending on their size and shape, as well as the locations where they are implemented. In this paper, the flow field around delta winglet vortex generators in a common flow up arrangement was analyzed in terms of flow characteristics and heat transfer using computational fluid dynamics methods. Flow mixing due to vortices and delayed separation due to acceleration influence the overall fin performance. The fin with delta winglet vortex generators exhibited a pressure loss lower than that of a plain fin, and the heat transfer performance was enhanced at high air velocity or Reynolds number

  18. CFD analysis of fin tube heat exchanger with a pair of delta winglet vortex generators

    Energy Technology Data Exchange (ETDEWEB)

    Hwang, Seong Won; Kim, Dong Hwan; Min, June Kee; Jeong, Ji Hwan [Pusan National Univ., Busan (Korea, Republic of)

    2012-09-15

    Among tubular heat exchangers, fin tube types are the most widely used in refrigeration and air-conditioning equipment. Efforts to enhance the performance of these heat exchangers included variations in the fin shape from a plain fin to a slit and louver type. In the context of heat transfer augmentation, the performance of vortex generators has also been investigated. Delta winglet vortex generators have recently attracted research interest, partly due to experimental data showing that their addition to fin-tube heat exchangers considerably reduces pressure loss at heat transfer capacity of nearly the same level. The efficiency of the delta winglet vortex generators widely varies depending on their size and shape, as well as the locations where they are implemented. In this paper, the flow field around delta winglet vortex generators in a common flow up arrangement was analyzed in terms of flow characteristics and heat transfer using computational fluid dynamics methods. Flow mixing due to vortices and delayed separation due to acceleration influence the overall fin performance. The fin with delta winglet vortex generators exhibited a pressure loss lower than that of a plain fin, and the heat transfer performance was enhanced at high air velocity or Reynolds number.

  19. Thermal performance of a spirally coiled finned tube heat exchanger under wet-surface conditions

    International Nuclear Information System (INIS)

    Wongwises, Somchai; Naphon, Paisarn

    2006-01-01

    This paper is a continuation of the author's previous work on spiral coil heat exchangers. In the present study, the heat transfer characteristics and the performance of a spirally coiled finned tube heat exchanger under wet-surface conditions are theoretically and experimentally investigated. The test section is a spiral-coil heat exchanger which consists of a steel shell and a spirally coiled tube unit. The spiral-coil unit consists of six layers of concentric spirally coiled finned tubes. Each tube is fabricated by bending a 9.6 mm diameter straight copper tube into a spiral-coil of four turns. The innermost and outermost diameters of each spiral-coil are 145.0 and 350.4 mm, respectively. Aluminium crimped spiral fins with thickness of 0.6 mm and outer diameter of 28.4 mm are placed around the tube. The edge of fin at the inner diameter is corrugated. Air and water are used as working fluids in shell side and tube side, respectively. The experiments are done under dehumidifying conditions. A mathematical model based on the conservation of mass and energy is developed to simulate the flow and heat transfer characteristics of working fluids flowing through the heat exchanger. The results obtained from the present model show reasonable agreement with the experimental data

  20. Reconsideration of data and correlations for plate finned-tube heat exchangers

    Science.gov (United States)

    Otović, Milena; Mihailović, Miloš; Genić, Srbislav; Jaćimović, Branislav; Milovančević, Uroš; Marković, Saša

    2018-04-01

    This paper deals with heat exchangers having plain finned tubes in staggered (triangular) pattern. The objective of this paper is to provide the heat transfer and friction factor correlation which can be used in engineering practice. For this purpose, the experimental data of several (most cited) authors who deal with this type of heat exchangers are used. The new correlations are established to predict the air-side heat transfer coefficient and friction factor as a function of the Reynolds number and geometric variables of the heat exchanger - tube diameter, tube pitch, fin spacing, tube rows, etc. In those correlations the characteristic dimension in Reynolds number is calculated by using the new parameter - volumetric porosity. Also, there are given the errors of those correlations.

  1. Constructal design of finned tubes used in air-cooled heat exchangers

    Energy Technology Data Exchange (ETDEWEB)

    Shokouhmand, Hossein; Mahjoub, Shoeib [University of Tehran, Tehran (Iran, Islamic Republic of); Salimpour, Mohammad Reza [Isfahan University of Technology, Isfahan (Iran, Islamic Republic of)

    2014-06-15

    The present study documents the constructal design and optimization of finned tubes used in air-cooled heat exchangers. The considered tubes are equipped with annular fins. The aim is to minimize the overall thermal resistance by morphing the geometry. The geometrical and thermo-physical parameters considered are the number of fins, ratio of fin height to tube diameter, Stanton number, ratio of fin conductivity to air conductivity, ratio of in-tube fluid conductivity to air conductivity and dimensionless pressure drop. Two constraints are applied in the optimization process: fixed overall volume of heat exchanger and fixed volume fraction of fin material. It is found that there exist optimal values for the number and the height of fins. Moreover, the optimal heat transfer has an extremum in a special volume fraction of fin material.

  2. Constructal design of finned tubes used in air-cooled heat exchangers

    International Nuclear Information System (INIS)

    Shokouhmand, Hossein; Mahjoub, Shoeib; Salimpour, Mohammad Reza

    2014-01-01

    The present study documents the constructal design and optimization of finned tubes used in air-cooled heat exchangers. The considered tubes are equipped with annular fins. The aim is to minimize the overall thermal resistance by morphing the geometry. The geometrical and thermo-physical parameters considered are the number of fins, ratio of fin height to tube diameter, Stanton number, ratio of fin conductivity to air conductivity, ratio of in-tube fluid conductivity to air conductivity and dimensionless pressure drop. Two constraints are applied in the optimization process: fixed overall volume of heat exchanger and fixed volume fraction of fin material. It is found that there exist optimal values for the number and the height of fins. Moreover, the optimal heat transfer has an extremum in a special volume fraction of fin material.

  3. Mixed convection heat transfer between a steam / non-condensable gas mixture and an inclined finned tube bundle

    Energy Technology Data Exchange (ETDEWEB)

    Cachard, F. de; Lomperski, S.; Monauni, G.R. [Paul Scherrer Inst. (PSI), Villigen (Switzerland). Lab. for Thermal-Hydraulics

    1999-07-01

    An experimental and analytical program was performed at PSI to study the performance of a finned-tube condenser in the presence of non-condensable gases at low gas mass fluxes. The model developed for this application includes mixed convection heat transfer between the vapour/non-condensable mixture and the finned-tubes, heat conduction through the fins and tubes, and evaporative heat transfer inside the tubes. The finned-tubes condenser model has been assessed against data obtained at the PSI LINX facility with two test condensers. For the 62 LINX experiments performed, the model predictions are very good, i.e., less than 10 % standard deviation between experimental and predicted results. (authors)

  4. Research of heat transfer of staggered horizontal bundles of finned tubes at free air convection

    Science.gov (United States)

    Novozhilova, A. V.; Maryna, Z. G.; Samorodov, A. V.; Lvov, E. A.

    2017-11-01

    The study of free-convective processes is important because of the cooling problem in many machines and systems, where other ways of cooling are impossible or impractical. Natural convective processes are common in the steam turbine air condensers of electric power plants located within the city limits, in dry cooling towers of circulating water systems, in condensers cooled by air and water, in radiators cooling oil of power electric transformers, in emergency cooling systems of nuclear reactors, in solar power, as well as in air-cooling of power semiconductor energy converters. All this makes actual the synthesis of the results of theoretical and experimental research of free convection for heat exchangers with finned tube bundles. The results of the study of free-convection heat transfer for two-, three- and four-row staggered horizontal bundles of industrial bimetallic finned tubes with finning factor of 16.8 and equilateral tubes arrangement are presented. Cross and diagonal steps in the bundles are the same: 58; 61; 64; 70; 76; 86; 100 mm, which corresponds to the relative steps: 1.042; 1.096; 1.152; 1.258; 1.366; 1.545; 1.797. These steps are standardized for air coolers. An equation for calculating the free-convection heat transfer, taking into account the influence of geometrical parameters in the range of Rayleigh number from 30,000 to 350,000 with an average deviation of ± 4.8%, has been obtained. The relationship presented in the article allows designing a wide range of air coolers for various applications, working in the free convection modes.

  5. Mixed convection heat transfer between a steam/non-condensable gas mixture and an inclined finned tube bundle

    Energy Technology Data Exchange (ETDEWEB)

    De Cachard, F.; Lompersky, S.; Monauni, G.R. [Paul Scherrer Institute, Villigen (Switzerland). Thermal Hydraulic Lab.

    1999-07-01

    An experimental and analytical program was performed at PSI (Paul Scherrer Institute) to study the performance of a finned-tube condenser in the presence of non-condensable gases at low gas mass fluxes. The model developed for this application includes mixed convection heat transfer between the vapour/non-condensable mixture and the finned tubes, heat conduction through the fins and tubes, and evaporative heat transfer inside the tubes. On the gas, heat transfer correlations are used, and the condensation rate is calculated using the heat/mass transfer analogy. A combination of various available correlations for forced convection in staggered finned tube bundles is used, together with a correction accounting for superimposed natural convection. For the condensate heat transfer resistance, the beatty and Katz model for gravity driven liquid films on the tubes is used. The fine efficiency is accounted for using classical iterative calculations. Evaporative heat transfer inside the tubes is predicted using the Chen correlation. The finned tube condenser model has been assessed against data obtained at the PSI LINX facility with two test condensers. For the 62 LINX experiments performed, the model predictions are very good, i.e., less then 10% standard deviation between experimental and predicted results.

  6. Durability of a fin-tube latent heat storage using high density polyethylene as PCM

    Science.gov (United States)

    Zauner, Christoph; Hengstberger, Florian; Etzel, Mark; Lager, Daniel; Hofmann, Rene; Walter, Heimo

    2017-10-01

    Polymers have rarely been used as storage materials in latent heat storages up to now. Thus, we systematically screened all polymers available on a large-scale, selected promising ones based on their theoretical properties and experimentally tested more than 50 candidates. We found that polyethylene, polyoxymethylene and polyamides are promising even as recycled material. Especially high density polyethylene (HDPE) turned out to be suitable as was shown by detailed thermophysical characterization including more than 1000 heating and cooling cycles for INEOS Rigidex HD6070EA. We built a storage with 170 kg HDPE and a total mass of 600 kg based on a fin-tube heat exchanger and characterized its energy capacity, power characteristics and temperature profiles using a thermal oil test rig. In total we performed 30 melting and crystallization cycles where the whole storage was above 100 °C for more than 140 hours. After usage we examined the interior of the storage by cutting it into various pieces. A thin layer of degradation was observed on the surfaces of the PCM which is most likely related to thermo-oxidative degeneration of HDPE. However, the bulk of the PCM is still intact as well as the heat exchanger itself.

  7. Heat transfer and pressure drop amidst frost layer presence for the full geometry of fin-tube heat exchanger

    International Nuclear Information System (INIS)

    Kim, Sung Jool; Choi, Ho Jin; Ha, Man Yeong; Kim, Seok Ro; Bang, Seon Wook

    2010-01-01

    The present study numerically solves the flow and thermal fields in the full geometry of heat exchanger modeling with frost layer presence on the heat exchanger surface. The effects of air inlet velocity, air inlet temperature, frost layer thickness, fin pitch, fin thickness, and heat exchanger shape on the thermo-hydraulic performance of a fin-tube heat exchanger are investigated. Heat transfer rate rises with increasing air inlet velocity and temperature, and decreasing frost layer thickness and fin pitch. Pressure drop rises with increasing air inlet velocity and frost layer thickness, and decreasing fin pitch. The effect of fin thickness on heat transfer and pressure drop is negligible. Based on the present results, we derived the correlations, which express pressure drop and temperature difference between air inlet and outlet as a function of air inlet velocity and temperature, as well as frost layer thickness

  8. Investigation on the heat transfer characteristics during flow boiling of liquefied natural gas in a vertical micro-fin tube

    Science.gov (United States)

    Xu, Bin; Shi, Yumei; Chen, Dongsheng

    2014-03-01

    This paper presents an experimental investigation on the heat transfer characteristics of liquefied natural gas flow boiling in a vertical micro-fin tube. The effect of heat flux, mass flux and inlet pressure on the flow boiling heat transfer coefficients was analyzed. The Kim, Koyama, and two kinds of Wellsandt correlations with different Ftp coefficients were used to predict the flow boiling heat transfer coefficients. The predicted results showed that the Koyama correlation was the most accurate over the range of experimental conditions.

  9. An experimental investigation on air-side performances of finned tube heat exchangers for indirect air-cooling tower

    Directory of Open Access Journals (Sweden)

    Du Xueping

    2014-01-01

    Full Text Available A tremendous quantity of water can be saved if the air cooling system is used, comparing with the ordinary water-cooling technology. In this study, two kinds of finned tube heat exchangers in an indirect air-cooling tower are experimentally studied, which are a plain finned oval-tube heat exchanger and a wavy-finned flat-tube heat exchanger in a cross flow of air. Four different air inlet angles (90°, 60 °, 45°, and 30° are tested separately to obtain the heat transfer and resistance performance. Then the air-side experimental correlations of the Nusselt number and friction factor are acquired. The comprehensive heat transfer performances for two finned tube heat exchangers under four air inlet angles are compared. For the plain finned oval-tube heat exchanger, the vertical angle (90° has the worst performance while 45° and 30° has the best performance at small ReDc and at large ReDc, respectively. For the wavy-finned flat-tube heat exchanger, the worst performance occurred at 60°, while the best performance occurred at 45° and 90° at small ReDc and at large ReDc, respectively. From the comparative results, it can be found that the air inlet angle has completely different effects on the comprehensive heat transfer performance for the heat exchangers with different structures.

  10. Numerical studies on heat transfer and pressure drop characteristics of flat finned tube bundles with various fin materials

    Science.gov (United States)

    Peng, Y.; Zhang, S. J.; Shen, F.; Wang, X. B.; Yang, X. R.; Yang, L. J.

    2017-11-01

    The air-cooled heat exchanger plays an important role in the field of industry like for example in thermal power plants. On the other hand, it can be used to remove core decay heat out of containment passively in case of a severe accident circumstance. Thus, research on the performance of fins in air-cooled heat exchangers can benefit the optimal design and operation of cooling systems in nuclear power plants. In this study, a CFD (Computational Fluid Dynamic) method is implemented to investigate the effects of inlet velocity, fin spacing and tube pitch on the flow and the heat transfer characteristics of flat fins constructed of various materials (316L stainless steel, copper-nickel alloy and aluminium). A three dimensional geometric model of flat finned tube bundles with fixed longitudinal tube pitch and transverse tube pitch is established. Results for the variation of the average convective heat transfer coefficient with respect to cooling air inlet velocity, fin spacing, tube pitch and fin material are obtained, as well as for the pressure drop of the cooling air passing through finned tube. It is shown that the increase of cooling air inlet velocity results in enhanced average convective heat transfer coefficient and decreasing pressure drop. Both fin spacing and tube pitch engender positive effects on pressure drop and have negative effects on heat transfer characteristics. Concerning the fin material, the heat transfer performance of copper-nickel alloy is superior to 316L stainless steel and inferior to aluminium.

  11. Statistical analysis of entropy generation in longitudinally finned tube heat exchanger with shell side nanofluid by a single phase approach

    Directory of Open Access Journals (Sweden)

    Konchada Pavan Kumar

    2016-06-01

    Full Text Available The presence of nanoparticles in heat exchangers ascertained increment in heat transfer. The present work focuses on heat transfer in a longitudinal finned tube heat exchanger. Experimentation is done on longitudinal finned tube heat exchanger with pure water as working fluid and the outcome is compared numerically using computational fluid dynamics (CFD package based on finite volume method for different flow rates. Further 0.8% volume fraction of aluminum oxide (Al2O3 nanofluid is considered on shell side. The simulated nanofluid analysis has been carried out using single phase approach in CFD by updating the user-defined functions and expressions with thermophysical properties of the selected nanofluid. These results are thereafter compared against the results obtained for pure water as shell side fluid. Entropy generated due to heat transfer and fluid flow is calculated for the nanofluid. Analysis of entropy generation is carried out using the Taguchi technique. Analysis of variance (ANOVA results show that the inlet temperature on shell side has more pronounced effect on entropy generation.

  12. Experimental and numerical analysis of the optimized finned-tube heat exchanger for OM314 diesel exhaust exergy recovery

    International Nuclear Information System (INIS)

    Hatami, M.; Ganji, D.D.; Gorji-Bandpy, M.

    2015-01-01

    Highlights: • An optimized finned-tube heat exchanger is modeled. • Artificial Neural Networks and Genetic Algorithm are applied. • Exergy recovery from exhaust of a diesel engine is studied. - Abstract: In this research, a multi objective optimization based on Artificial Neural Network (ANN) and Genetic Algorithm (GA) are applied on the obtained results from numerical outcomes for a finned-tube heat exchanger (HEX) in diesel exhaust heat recovery. Thirty heat exchangers with different fin length, thickness and fin numbers are modeled and those results in three engine loads are optimized with weight functions for pressure drop, recovered heat and HEX weight. Finally, two cases of HEXs (an optimized and a non-optimized) are produced experimentally and mounted on the exhaust of an OM314 diesel engine to compare their results in heat and exergy recovery. All experiments are done for five engine loads (0%, 20%, 40%, 60% and 80% of full load) and four water mass flow rates (50, 40, 30 and 20 g/s). Results show that maximum exergy recovers occurs in high engine loads and optimized HEX with 10 fins have averagely 8% second law efficiency in exergy recovery

  13. Indoor Solar Thermal Energy Saving Time with Phase Change Material in a Horizontal Shell and Finned-Tube Heat Exchanger

    Directory of Open Access Journals (Sweden)

    S. Paria

    2015-01-01

    Full Text Available An experimental as well as numerical investigation was conducted on the melting/solidification processes of a stationary phase change material (PCM in a shell around a finned-tube heat exchanger system. The PCM was stored in the horizontal annular space between a shell and finned-tube where distilled water was employed as the heat transfer fluid (HTF. The focus of this study was on the behavior of PCM for storage (charging or melting and removal (discharging or solidification, as well as the effect of flow rate on the charged and discharged solar thermal energy. The impact of the Reynolds number was determined and the results were compared with each other to reveal the changes in amount of stored thermal energy with the variation of heat transfer fluid flow rates. The results showed that, by increasing the Reynolds number from 1000 to 2000, the total melting time decreases by 58%. The process of solidification also will speed up with increasing Reynolds number in the discharging process. The results also indicated that the fluctuation of gradient temperature decreased and became smooth with increasing Reynolds number. As a result, by increasing the Reynolds number in the charging process, the theoretical efficiency rises.

  14. Indoor solar thermal energy saving time with phase change material in a horizontal shell and finned-tube heat exchanger.

    Science.gov (United States)

    Paria, S; Sarhan, A A D; Goodarzi, M S; Baradaran, S; Rahmanian, B; Yarmand, H; Alavi, M A; Kazi, S N; Metselaar, H S C

    2015-01-01

    An experimental as well as numerical investigation was conducted on the melting/solidification processes of a stationary phase change material (PCM) in a shell around a finned-tube heat exchanger system. The PCM was stored in the horizontal annular space between a shell and finned-tube where distilled water was employed as the heat transfer fluid (HTF). The focus of this study was on the behavior of PCM for storage (charging or melting) and removal (discharging or solidification), as well as the effect of flow rate on the charged and discharged solar thermal energy. The impact of the Reynolds number was determined and the results were compared with each other to reveal the changes in amount of stored thermal energy with the variation of heat transfer fluid flow rates. The results showed that, by increasing the Reynolds number from 1000 to 2000, the total melting time decreases by 58%. The process of solidification also will speed up with increasing Reynolds number in the discharging process. The results also indicated that the fluctuation of gradient temperature decreased and became smooth with increasing Reynolds number. As a result, by increasing the Reynolds number in the charging process, the theoretical efficiency rises.

  15. Cycle performance of alternative refrigerants for domestic air-conditioning system based on a small finned tube heat exchanger

    International Nuclear Information System (INIS)

    Cheng, Song; Wang, Shuangfeng; Liu, Zhongmin

    2014-01-01

    In order to find alternative refrigerants which exhibit both favorable cycle performance and environmental friendliness, R32 and R290 were utilized to contrast to R22 and R410A as substitutes in the present study. The experiments were conducted with a 5 mm finned tube heat exchanger based on the enthalpy method in a small split household air conditioner. The results showed that in nominal cooling conditions, the COP R of R32 and R290 were 26.8% and 20.4% higher than R22, 7.3% and 2.1% higher than R410A. And in nominal heating conditions, the COP HR of R32 and R290 were both 11.0% higher than R22, 5.3% higher than R410A. The systems with R290 and R32 have similar capacities to that with R22 and R410A in heating mode, but a relatively huge difference of capacities in cooling mode. In consideration of charge amount, R290 could be considered as the most superior alternative refrigerant in air conditioners with the small finned tube heat exchanger. - Highlights: •Comparisons are made in the air conditioner system based on 5 mm tube fin heat exchanger. •The R22 system has a similar performance to others in heating mode while a huge difference in cooling mode. •The optimal charge of R290 is reduced with nearly no decline in the capacity and COP. •SLHX is attached to the system of R290 and successfully promote safety and capacity. •Heat loads are taken into account to evaluate the advantages and disadvantages of R290 and R32

  16. Heat transfer with geometric shape of micro-fin tubes (I) - Condensing heat transfer

    Energy Technology Data Exchange (ETDEWEB)

    Kwak, K M; Chang, J S; Bai, C H; Chung, M [Yeungnam University, Kyungsan (Korea)

    1999-11-01

    To examine the enhancement mechanism of condensing heat transfer through microfin tube, the condensation experiments with refrigerant HCFC 22 are performed using 4 and 6 kinds of microfin tubes with outer diameter of 9.52 mm and 7.0 mm, respectively. Used microfin tubes have different shape and number of fins with each other. The main heat transfer enhancement mechanism is known to be the enlargement of heat transfer area and turbulence promotion. Together with these main factors, we can find other enhancement factors by the experimental data, which are the overflow of the refrigerant over the microfin and microfin arrangement. The overflow of the refrigerant over the microfin can be analyzed by the geometric shape of the microfin. microfin tubes having a shape which can give much overflow over the microfin show large condensing heat transfer coefficients. The effect of microfin arrangement is related to the heat transfer resistance of liquid film of refrigerant. The condensing heat transfer coefficients are high for the microfin tube with even distribution of liquid film. 17 refs., 14 figs., 3 tabs.

  17. How can the heat transfer correlations for finned-tubes influence the numerical simulation of the dynamic behavior of a heat recovery steam generator?

    International Nuclear Information System (INIS)

    Walter, H.; Hofmann, R.

    2011-01-01

    This paper presents the results of a theoretical investigation on the influence of different heat transfer correlations for finned-tubes to the dynamic behavior of a heat recovery steam generator (HRSG). The investigation was done for a vertical type natural circulation HRSG with 3 pressure stages under hot start-up and shutdown conditions. For the calculation of the flue gas-side heat transfer coefficient the well known correlations for segmented finned-tubes according to Schmidt, VDI and ESCOA TM (traditional and revised) as well as a new correlation, which was developed at the Institute for Energy Systems and Thermodynamics, are used. The simulation results show a good agreement in the overall behavior of the boiler between the different correlations. But there are still some important differences found in the detail analysis of the boiler behavior. - Research highlights: → Numerical simulation is performed to explore the influence of different heat transfer correlations for finned-tubes to the dynamic behavior of a heat recovery steam generator. → Differences in the steam generator behavior are found. → In the worst case the boiler can lead to unfavorable operation conditions, e.g. reverse flow.

  18. Numerical Analysis of Flow Distribution in a Sodium Chamber of a Finned-tube Sodium-to-Air Heat Exchanger

    Energy Technology Data Exchange (ETDEWEB)

    Jo, Youngchul; Son, Seokkwon; Kim, Hyungmo; Eoh, Jaehyuk; Jeong, Jiyoung [Korea Atomic Energy Research Institute, Daejeon (Korea, Republic of)

    2015-10-15

    DHR systems consist of two diverse heat removal loops such as passive and active DHR systems, and the heat load imposed on the primary sodium pool is safely rejected into the environment through different kinds of sodium-to-air heat exchangers, e.g. M-shape and helical-coil type air-coolers. The former is called as an FHX(Forced-draft sodium-to-air Heat Exchanger) and the latter is simply called as an AHX(natural-draft sodium-to-Air Heat Exchanger). In a general sodium-to-air heat exchanger design, convection resistance in a shell-side air flow path becomes dominant factor affecting the mechanism of conjugate heat transfer from the sodium flow inside the tube to the air path across the sodium tube wall. Hence verification of the flow and heat transfer characteristics is one of the most important tasks to demonstrate decay heat removal performance. To confirm a kind of ultimate heat sink heat exchanger, a medium-scale Sodium thermal-hydraulic Experiment Loop for Finned-tube sodium-to-Air Heat exchanger (here after called the SELFA) has been designed and is recently being constructed at KAERI site. The introduction of the flow baffle inside the upper sodium chamber of the model FHX unit in the SELFA facility is briefly proposed and discussed as well. The present study aims at introducing a flow baffle design inside the upper sodium chamber to make more equalized flowrates flowing into each heat transfer tube of the model FHX unit. In the cases without the flow baffle geometry, it was observed lager discrepancies in flowrates at the heat transfer tubes. However it was also found that those kinds of discrepancies could be definitely decreased at around 1/10 by employing a flow baffle.

  19. Design Evaluation of Thermal-hydraulic Test Facility for a Finned-tube Sodium-to-Air Heat Exchanger

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Hyungmo; Kim, Byeong-Yeon; Ko, Yung Joo; Cho, Youngil; Kim, Jong-Man; Son, Seok-Kwon; Jo, Youngchul; Kang, Byeong Su; Jung, Minhwan; Eoh, Jaehyuk; Lee, Hyeong-Yeon; Jeong, Ji-Young [KAERI, Daejeon (Korea, Republic of)

    2016-05-15

    This paper introduces the recent progress of overall design phase for the SELFA facility and deals with basic thermal-hydraulic design parameters and its design validation as well. For more reliable design of the safety-grade decay heat removal system (DHRS) in PGSFR (Prototype Gen-IV Sodium-cooled Fast Reactor), two kinds of sodium-to-air heat exchangers have been employed in the system as an ultimate heat sink. One is a natural draft sodium-to-air heat exchanger (AHX) with helically-coiled sodium tubes, and the other is a forced draft sodium-to-air heat exchanger (FHX) with finned tubes with a straight-type arranged. Since the FHX is normally operated in an active mode with a forced air draft conditions, its performance should be verified for any anticipated operating conditions. To validate the test section design, evaluations of both thermal-hydraulic and mechanical design have been carried out, and some new concepts or devices were newly employed to replicate the prototypic conditions as closely as possible.

  20. Heat transfer coefficient correlation for convective boiling inside plain and micro fin tubes using genetic algorithms

    International Nuclear Information System (INIS)

    Picanco, Marco Antonio Silva; Bandarra Filho, Enio Pedone; Passos, Julio Cesar

    2006-01-01

    Two-phase flow heat transfer has been exhaustively studied over recent years. However, in this field several questions remain unanswered. Heat transfer coefficient prediction related to nucleate and convective boiling have been studied using different approaches, numerical, analytical and experimental. In this work, an experimental analysis, data representation and heat transfer coefficient prediction on two-phase heat transfer on nucleate and convective boiling are presented. An empirical correlation is obtained based on genetic algorithms search engine over a dimensional analysis of the two-phase flow heat transfer problem. (author)

  1. The effects of design and operating factors on the frost growth and thermal performance of a flat plate fin-tube heat exchanger under the frosting condition

    International Nuclear Information System (INIS)

    Lee, Kwan Soo; Kim, Woo Seung

    1999-01-01

    An experimental study of the effects of various factors(fin pitch, fin arrangement, air temperature, air humidity, and air velocity) on the frost growth and thermal performance of a fin-tube heat exchanger has been conducted under the frosting condition. It is found that the thermal performance of a heat exchanger is closely related to the blockage ratio of the air flow passages due to the frost growth. The maximum allowable blockage ratio is used to determine the criteria for the optimal operating conditions of a fin-tube heat exchanger. It is also shown that heat transfer rate of heat exchanger with staggered fin arrangement increases about 17% and the time required for heat transfer rate to reach a maximum value becomes longer, compared with those of an inline fin-tube heat exchanger under the frosting condition. The energy transfer resistance between the air and coolant decreases with the increase of inlet air temperature and velocity and with decreasing inlet air humidity

  2. Parameter effect of a phase change thermal energy storage unit with one shell and one finned tube on its energy efficiency ratio and heat storage rate

    International Nuclear Information System (INIS)

    Wang, Wei-Wei; Wang, Liang-Bi; He, Ya-Ling

    2016-01-01

    Highlights: • The parameter effect on the performance of PCTES unit using fins is reported. • The configurations of PCTES unit using fins in optimum performance are suggested. • Two parameters to indicate the effects of PCM and tube material properties are found. • The working conditions of PCTES unit using fins in optimum performance are analyzed. - Abstract: The performance of a phase change thermal energy storage (PCTES) unit using circular finned tube is affected by many parameters. Thorough studies of the parameter effect on the performance of PCTES unit are strongly required in its optimum design process. Based on a reported energy efficiency ratio and a newly defined parameter named the heat storage rate, the parameter effect on the performance of PCTES unit using circular finned tube is numerically investigated. When the fin pitch is greater than 4 times of the inner radius of the tube, the fin height and the fin thickness have little effect on the energy efficiency ratio and the heat storage rate. When the fin pitch is small, the performance of PCTES unit becomes better using large fin height and width. The energy efficiency ratio and the heat storage rate are more sensitive to the outer tube diameter. The performance of PCTES unit using circular finned tube is best when water is used as the heat transfer fluid (HTF). When the fluid flow of HTF is in a laminar state, the energy efficiency ratio and the heat storage rate are larger than that in a turbulent state.

  3. The effects of frost thickness on the heat transfer of finned tube heat exchanger subject to the combined influence of fan types

    Energy Technology Data Exchange (ETDEWEB)

    Huang, Jeng-Min; Hsieh, Wen-Chien; Ke, Xin-Ji [Department of Refrigeration, Air Conditioning National Chin-Yi University of Technology, Taichung County, Taiping City 411 (China); Wang, Chi-Chuan [Energy and Environment Research Laboratories, Industrial Technology Research Institute, Hsinchu 310 (China)

    2008-05-15

    This study conducts a numerical study concerning the effect of frost thickness on the heat transfer performance of a four rows plate finned tube heat exchanger. Calculations are made under constant air volume and variable air volume conditions. It is found that the initial surge of heat transfer rate in the frosted finned tube heat exchanger is mainly associated with the critical radius effect rather than the surface roughness. The frost thermal conductivity plays an important role in the surge phenomenon. There is hardly any initial surge when frost thermal conductivity is below 0.1 W m{sup -1} K{sup -1}. It is also recommended that a refrigerator should defrost when half of a single flow channel area is blocked by frost. The calculations also reveal that a centrifugal fan is recommended with a small fin-pitch heat exchanger. However, if a long term operation at a thick frost situation is unavoidable, an axial fan should be selected. There is no great difference between selection of an axial fan or centrifugal fan for a larger fin pitch heat exchanger. (author)

  4. Numerical investigation of fluid flow and heat transfer characteristics in a helically-finned tube

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Sangkeun; Kim, Minsung; Park, Yong Gap; Min, June Kee; Ha, Man Yeong [Pusan National University, Busan (Korea, Republic of)

    2017-07-15

    In order to investigate the characteristics of flow and heat transfer rate in a Helically-finned tub (HFT), we used continuity, momentum and energy equations under a steady, three-dimensional and incompressible fluid flow assumptions. For the performance metrics, we considered the Darcy friction factor, Colburn j-factor, volume goodness factor and area goodness factor of the HFT. We could also evaluate the effect of geometry parameters on the results of local pressure coefficient, fluid vorticity and Nusselt number of the HFT. We carried out the CFD calculation for a range of laminar flow (Re = 100) and turbulent flow (Re = 2000 and 10000). In a laminar and turbulent flow regime, the friction factor increases with increasing the each geometric parameter. While the Colburn j-factor decreases as increasing these geometric parameters. Consequently, the thermal performance of HFT is poorer than that of single straight circular tube type because of having a small volume and area goodness factor as increasing the Reynolds numbers.

  5. Heat transfer during condensation of HFC-134a and R-404A inside of a horizontal smooth and micro-fin tube

    Energy Technology Data Exchange (ETDEWEB)

    Sapali, S N [Govt. College of Engineering, Department of Mechanical Engineering, Shivaji Nagar, Pune, Maharashtra 411 005 (India); Patil, Pradeep A [AISSMS College of Engineering, Pune University, Mechanical Engineering Department, Kennedy Road, Near R.T.O., Pune, Maharashtra 411 001 (India)

    2010-11-15

    In recent small and medium capacity refrigeration systems, the condenser tubes are provided with micro-fins from inside. The vapour refrigerant at the compressor outlet and the condenser inlet is in superheat state. As it advances in the condenser it is in two phases and at the outlet it is in sub cooled liquid. The heat transfer coefficient (HTC) during condensation of HFC-134a and R-404A in a smooth (8.56 mm ID) and micro-fin tubes (8.96 mm ID) are experimentally investigated. Different from previous studies, the present experiments are performed for various condensing temperatures, with superheating and sub cooling and using hermetically sealed compressor. The test runs are done at average saturated condensing temperatures ranging from 35 C to 60 C. The mass fluxes are between 90 and 800 kg m{sup -2} s{sup -1}. The experimental results indicate that the average HTC increases with mass flux but decreases with increasing condensing temperature for both smooth and micro-fin tubes. The average condensation HTCs of HFC-134a and R-404A for the micro-fin tubes were 1.5-2.5 and 1.3-2 times larger than that in smooth tube respectively. The HTCs for R-404A are less than that of HFC-134a. New correlations based on the data gathered during the experimentation for predicting condensation HTCs are proposed for wide range of operating conditions. (author)

  6. Instrumentation and Control Systems for Sodium thermal hydraulic Experiment Loop for Finned-tube sodium-to-Air heat exchanger (SELFA)

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Byeong Yeon; Kim, Hyung Mo; Cho, Youn Gil; Kim, Jong Man; Ko, Yung Joo; Kang, Byeong Su; Jung, Min Hwan; Jeong, Ji Young [KAERI, Daejeon (Korea, Republic of)

    2016-05-15

    A forced-draft sodium-to-air heat exchanger (FHX) is a part of decay heat removal system (DHRS) in Prototype Gen-IV Sodium-cooled fast reactor (PGSFR), which is being developed at Korea Atomic Energy Research Institute (KAERI). Sodium thermal hydraulic Experiment Loop for Finned-tube sodium-to-Air heat exchanger (SELFA) is a test facility for verification and validation of the design code for a forced-draft sodium-to-air heat exchanger (FHX). In this paper, we have provided design and fabrication features for the instrumentation and control systems of SELFA. In general, the instrumentation systems and control systems are coupled for measurement and control of process variables. Instrumentation systems have been designed for investigating thermal-hydraulic characteristics of FHX and control systems have been designed to control the main components (e.g. electromagnetic pumps, heaters, valves etc.) required for test in SELFA. In this paper, we have provided configurations of instrumentation and control systems for Sodium thermal hydraulic Experiment Loop for Finned-tube sodium-to-Air heat exchanger (SELFA). The instrumentation and control systems of SELFA have been implemented based on the expected operation ranges and lesson learned from operational experience of 'Sodium integral effect test loop for safety simulation and assessment-1' (STELLA-1)

  7. An experimental study of the air-side particulate fouling in finned-tube heat exchangers of air conditioners through accelerated tests

    International Nuclear Information System (INIS)

    Ahn, Young Chull; Cho, Jae Min; Lee, Jae Keun; Lee, Hyun Uk; Ahn, Seung Phyo; Youn, Deok Hyun; Kang, Tae Wook; Ock, Ju Jo

    2003-01-01

    The air-side particulate fouling in the heat exchangers of HVAC applications degrades the performance of cooling capacity, pressure drop across a heat exchanger, and indoor air quality. Indoor and outdoor air contaminants foul heat exchangers. The purpose of this study is to investigate the fouling characteristics trough accelerated tests. The fouling characteristics are analyzed as functions of a dust concentration (1.28 and 3.84 g/m 3 ), a face velocity (0.5, 1.0, and 1.5 m/s), and a surface condition. The cooling capacity in the slitted finned-tube heat exchangers at the face velocity of 1 m/s decreases about 2% and the pressure drop increases up to 57%. The rate of build-up of fouling is observed to be 3 times slower for this three-fold reduction of dust concentration whilst still approaching the same asymptotic level

  8. PHASE CHANGE AROUND A FINNED TUBE

    Directory of Open Access Journals (Sweden)

    Aytunç EREK

    2003-01-01

    Full Text Available This study presents the heat transfer enhancement in the thermal energy storage system by using radially finned tube. The solution of the system consists of the solving the equations of the heat transfer fluid (HTF, the pipe wall and fin, and the phase change material (PCM as one domain. The control volume finite difference approach and the semi implicit solver (SIS are used to solve the equations. Fully developed velocity distribution is taken in the HTF. Flow parameters (Re number and inlet temperature of coolant and fin parameters (the number of fins, fin length, fin thickness are found to influence solidification fronts and the total stored energy.

  9. Experimental studies on the evaporative heat transfer and pressure drop of CO{sub 2} and CO{sub 2}/propane mixtures flowing upward in smooth and micro-fin tubes with outer diameter of 5 mm for an inclination angle of 45

    Energy Technology Data Exchange (ETDEWEB)

    Cho, Jin Min; Kim, Min Soo [School of Mechanical and Aerospace Engineering, Seoul National University, Seoul 151-744 (Korea); Kim, Yong Jin [School of Mechanical Engineering, Georgia Institute of Technology, Atlanta, GA 30332 (United States)

    2010-08-15

    Heat transfer characteristics show different tendency according to the tube orientations such as horizontal, vertical, and inclined positions. In this study, evaporative heat transfer characteristics and pressure drop of CO{sub 2} and CO{sub 2}/propane mixtures flowing upward are investigated in inclined smooth and micro-fin tubes. Smooth and micro-fin tubes with outer diameter of 5 mm and length of 1.44 m with inclination angle of 45 were chosen as test tubes. Average inner diameters of test tubes are 4.0 mm (smooth tube) and 4.13 mm (micro-fin tube). The tests were conducted at mass fluxes from 212 to 656 kg/m{sup 2} s, saturation temperatures from -10 to 30 C and heat fluxes from 15 to 60 kW/m{sup 2} for CO{sub 2}. In addition, for CO{sub 2}/propane mixtures, the test was carried out at inlet temperatures from -10 to 30 C for several compositions (75/25, 50/50, 25/75 wt%) with the same mass fluxes, heat fluxes applied for CO{sub 2}. Heat transfer coefficients in inclined tube are approximately 1.8-3 times higher than those in horizontal tube and the average pressure drop of inclined tube exists between that of horizontal and vertical tubes. (author)

  10. Analysis and Evaluation of a Vapor-Chamber Fin-Tube Radiator for High-Power Rankine Cycles

    National Research Council Canada - National Science Library

    Haller, Henry

    1965-01-01

    An analytical investigation of a flat, direct- condensing fin-tube radiator employing segmented vapor-chamber fins as a means of improving heat rejection was performed A for illustrative high-power...

  11. Studies on high-performance ceramic heat exchanger for ultra high temperature. 2nd Report. Heat transfer of finned tube bundle immersed in fluidized bed; Chokoon`yo koseino ceramic netsu kokanki ni kansuru kenkyu. 2. Ryudo sonai no rin kangun no netsudentatsu tokusei

    Energy Technology Data Exchange (ETDEWEB)

    Himeji, Y; Kumada, M [Gifu University, Gifu (Japan). Faculty of Engineering

    1998-03-25

    Studies were carried out to develop a high-performance ceramic heat exchanger for ultra high temperatures using a fluidized bed. In the former study, Heat transfer coefficient had been improved by applying fluidized bed to the heat exchanger for high temperature with smooth ceramic tubes. In this study, finned ceramic tubes were applied instead of smooth tubes for more improvement of heat transfer and experiments were performed on condition that the maximum bed temperature was 1100degC. Fluidization remained stable and the bed temperature uniform in the bed similarly as the case of smooth tube. A heat transfer coefficient of finned tube was evaluated and it was improved about 3 times as large as that of smooth tube. The performance of the heat exchanger was also evaluated using temperature efficiency and exergy efficiency. 4 refs., 11 figs., 1 tab.

  12. Numerical study of the thermo-flow performances of novel finned tubes for air-cooled condensers in power plant

    Science.gov (United States)

    Guo, Yonghong; Du, Xiaoze; Yang, Lijun

    2018-02-01

    Air-cooled condenser is the main equipment of the direct dry cooling system in a power plant, which rejects heat of the exhaust steam with the finned tube bundles. Therefore, the thermo-flow performances of the finned tubes have an important effect on the optimal operation of the direct dry cooling system. In this paper, the flow and heat transfer characteristics of the single row finned tubes with the conventional flat fins and novel jagged fins are investigated by numerical method. The flow and temperature fields of cooling air for the finned tubes are obtained. Moreover, the variations of the flow resistance and average convection heat transfer coefficient under different frontal velocity of air and jag number are presented. Finally, the correlating equations of the friction factor and Nusselt number versus the Reynolds number are fitted. The results show that with increasing the frontal velocity of air, the heat transfer performances of the finned tubes are enhanced but the pressure drop will increase accordingly, resulting in the average convection heat transfer coefficient and friction factor increasing. Meanwhile, with increasing the number of fin jag, the heat transfer performance is intensified. The present studies provide a reference in optimal designing for the air-cooled condenser of direct air cooling system.

  13. Optimization of Peripheral Finned-Tube Evaporators Using Entropy Generation Minimization

    OpenAIRE

    Pussoli, Bruno; Barbosa Jr., Jader; da Silva, Luciana; Kaviany, Massoud

    2012-01-01

    The peripheral finned-tube (PFT) is a new geometry for enhanced air-side heat transfer under moisture condensate blockage (evaporators). It consists of individual hexagonal (peripheral) fin arrangements with radial fins whose bases are attached to the tubes and tips are interconnected with the peripheral fins. In this paper, experimentally validated semi-empirical models for the air-side heat transfer and pressure drop are combined with the entropy generation minimization theory to determine ...

  14. Laser Welding Of Finned Tubes Made Of Austenitic Steels

    Directory of Open Access Journals (Sweden)

    Stolecki M.

    2015-09-01

    Full Text Available This paper describes the technology of welding of finned tubes made of the X5CrNi1810 (1.4301 austenitic steel, developed at Energoinstal SA, allowing one to get high quality joints that meet the requirements of the classification societies (PN-EN 15614, and at the same time to significantly reduce the manufacturing costs. The authors described an automatic technological line equipped with a Trumph disc laser and a tube production technological process. To assess the quality of the joints, one performed metallographic examinations, hardness measurements and a technological attempt to rupture the fin. Analysis of the results proved that the laser-welded finned tubes were performed correctly and that the welded joints had shown no imperfections.

  15. Structure optimization and performance experiments of a solar-powered finned-tube adsorption refrigeration system

    International Nuclear Information System (INIS)

    Ji, Xu; Li, Ming; Fan, Jieqing; Zhang, Peng; Luo, Bin; Wang, Liuling

    2014-01-01

    Highlights: • New-structure finned-tube adsorption bed for enhancing heat and mass transfer. • Temperatures on different parts of the adsorption tubes differ little. • Maximum COP of 0.122 and maximum daily ice-making of 6.5 kg are achieved by experiments. • Cooling efficiency of system with valve control higher than that without valve control. - Abstract: A large-diameter aluminum-alloy finned-tube absorbent bed collector was designed and optimized by enhancing the heat and mass transfer in the collector. The collection efficiency of the adsorbent bed collector was between 31.64% and 42.7%, and the temperature distribution in the absorbent bed was relatively uniform, beneficial to adsorption/desorption of the adsorbate in the absorbent bed. A solar-powered solid adsorption refrigeration system with the finned-tube absorbent bed collector was built. Some experiments corresponding to the adsorption/desorption process with and without a valve control were conducted in four typical weather conditions: sunny with clear sky, sunny with partly cloudy sky, cloudy sky and overcast sky. Activated carbon–methanol was utilized as the working pair for adsorption refrigeration in the experiments. The experiments achieved the maximum COP of 0.122 and the maximum daily ice-making of 6.5 kg. Under the weather conditions of sunny with clear sky, sunny with partly cloudy sky, and cloudy sky, ice-making phenomenon were observed. Even in the overcast-sky weather condition, the cooling efficiency of the system still reached 0.039 when the total solar radiation was 11.51 MJ. The cooling efficiency of the solar-powered adsorption refrigeration system with a valve control in the adsorption/desorption process was significantly higher than that without a valve control

  16. Improvement of the corrosion resistance by using enamel coating applied to the carbon steel fin tubes of the HRSG

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Won Seok; Lee, Jong Wook [BHI, Haman (Korea, Republic of)

    2014-07-15

    Gas side corrosion affects all heat recovery steam generators (HRSGs). Consequences range from unsightliness and reduced performance to reliability problems and potential safety hazards. The enamel coating used for the HRSG fin tubes was visually and microscopically inspected, analyzed and compared with original one. From the results of the analysis, there was not much different between the coating and the original in the comparison of the strength, SEM (scanning electron microscope), and thermal expansion. For the overall heat transfer due to the coating, it was found that the coating fin tubes have about 2% degradation in comparison with the original ones. However, the use of enamel coating can help strongly to delay the corrosion problem by flue gases in the HRSG.

  17. Effect of tube bank inclination on the thermal hydraulic performance of air-cooled heat exchangers

    International Nuclear Information System (INIS)

    Monheit, M.; Freim, J.

    1987-01-01

    This paper compares the experimental thermal hydraulic performance of an inclined tube bundle of staggered high finned tubes with that of the same bank in cross flow. The data are shown on a relative basis with the conventional cross-flow arrangement used as the reference layout. The results, presented as plots of heat transfer coefficient and pressure drop per row versus face velocity, are compared with other published data for bare and extended-surface tube banks. Correction factors that account for the deviation from cross-flow performance are presented. Estimated savings in plot area are shown for typical cases. Some possible cost reduction opportunities in specific fields of application are also suggested

  18. Numerical analysis on the frosting performance of a fin-tube evaporator for a refrigerator

    International Nuclear Information System (INIS)

    Lee, Moo Yeon; Jang, Yong Hee; Kim, Yong Chan; Lee, Ho Sung

    2008-01-01

    The objective of this study is to provide numerical and experimental data that can be used to investigate the performance characteristics of a flat plate fin-tube evaporator in household and commercial refrigerators under frosting conditions. Computer simulations with variations of operating conditions such as air inlet temperature, relative humidity, and geometries were performed to find out optimal design parameters of a fin-tube evaporator for household and commercial refrigerators. The tube-by-tube method was used in the simulation and the frost growth model was considered under frosting conditions. The developed analytical model predicted the decreasing rates of heat transfer capacity and air flow rate ratio within ± 10% compared to the experimental results for a refrigerator under real operating conditions. As a result, the frost thickness at 3 .deg. C and 80% is increased 40% than that of -3 .deg. C and 80%, and the frost thickness at 3 .deg. C and 90% is increased 30% than that of 3 .deg. C and 60%. Accordingly, the operating time of the evaporator in the refrigerator was reduced with the increase of the decreasing rate of air flow rate ratio at each condition

  19. An experimental study on the effect of low fin tube geometry on pool boiling of a LiBr solution

    International Nuclear Information System (INIS)

    Kim, Nae Hyun

    2015-01-01

    Pool boiling heat transfer coefficients of a LiBr solution were obtained for seven low fin tubes having different fin pitch and fin height. The test range covered saturation pressure from 7.38kPa to 101.3kPa, heat flux from 20 kW/m 2 to 40 kW/m 2 and LiBr concentration from 0% to 50%. The optimum fin geometry for the present experimental range turned out to be 26 fpi with 0.18 mm fin height.The advantage of added heat transfer area and the disadvantage of slower bubble growth and departure appear to have yielded an optimum fin pitch. The heat transfer coefficient decreased as saturation pressure decreased and Libr concentration increased. The reason may be attributed to the low saturation pressure, which increased the bubble departure diameter and decreased the bubble departure frequency. As the LiBr concen reation increased, the saturation temperature increased and the mass diffusion rate decreased, which resulted in a reduced heat transfer coefficient. The heat transfer coefficients of the low fin tube were greater than those of the smooth tube. Correlations were developed based on the present data

  20. Experimental study on void fraction of two-phase flow inside a micro-fin tube

    OpenAIRE

    Koyama, Shigeru; Chen, Yongchang; Kitano, Ryuji; Kuwahara, Ken

    2001-01-01

    In this paper the void fraction and flow pattern of the two-phase flow in a micro-fin tube were investigated experimentally for a pure refrigerant HFC134a. The experiment was carried out at a pressure range of 0.6 and 1.2MPa with mass velocities of 90 and 180kg/m^2 s, in which the vapor quality varied from 0 to 1. The void fraction was measured by means of simultaneously closing valves of both sides of the test tube at adiabatic condition. Experimental results for the micro-fin tube were comp...

  1. Steam condensation on finned tubes, in the presence of non-condensable gases and aerosols: Influence of impaction, diffusiophoresis and settling on aerosol deposition

    International Nuclear Information System (INIS)

    Munoz-Cobo, J.L.; Pena, J.; Herranz, L.E.; Perez-Navarro, A.

    2005-01-01

    This paper presents a mechanistic model to predict the steam condensation on containment finned tube heat exchangers in the presence of non-condensable gases (NC) and aerosols. The total thermal resistance from the bulk gas to the coolant is formulated as a parallel combination of the convective and condensation gas resistances coupled in series to those of condensate layer, the aerosol fouling layer, the wall, and the coolant. The condensate layer thermal resistance is calculated by means of an Adamek-based condensation model. The aerosol fouling layer is computed based on diffusiophoresis, settling and impaction mechanisms. The gas mixture (steam plus NC) thermal resistance is formulated based on a diffusion layer modeling. Finally, this paper presents a Montecarlo method implemented in the FORTRAN code TAEROSOL that is able to compute the amount of aerosol mass that is deposited by impaction on the top of the finned tubes. The model results are compared with the available experimental data of the CONGA European project

  2. Data bank of critical heat flux

    International Nuclear Information System (INIS)

    Balino, J.L.; Ruival, M.H.

    1985-01-01

    More than 13.000 measurements of critical heat flux are classified in a data bank. From each experiment the following information can be obtained: cooling medium (light water, freon 12 or freon 21), geometry of the test section and thermalhydraulic parameters. The data management is performed by a computer program called CHFTRAT. A brief study of the influence of different parameters in the critical heat flux is presented, as an example of how to use the program. (M.E.L.) [es

  3. Experimental study of flow friction characteristics of integral pin-fin tubes

    International Nuclear Information System (INIS)

    Ding Ming; Yan Changqi; Sun Licheng

    2007-01-01

    Friction characteristics of integral pin-fin tubes, through which lubricating-oil flowed vertically, were studied experimentally. Effects of the pitch, the height of fins and the machining direction on friction coefficient were analyzed. The experimental results showed that the friction coefficient of the integral pin-fro tube was obviously lager than that of smooth tube. Compared with other influential factors, the effect of the height of fins was dominant. Because the three-dimensional pin fin could disturb and destroy the boundary layer, when the Reynolds Number reached 200-300, the friction coefficient curve began to bend, that was, a turning point was appeared in the friction coefficient curve. (authors)

  4. Evaluation of High Temperature Corrosion Resistance of Finned Tubes Made of Austenitic Steel And Nickel Alloys

    Directory of Open Access Journals (Sweden)

    Turowska A.

    2016-06-01

    Full Text Available The purpose of the paper was to evaluate the resistance to high temperature corrosion of laser welded joints of finned tubes made of austenitic steel (304,304H and nickel alloys (Inconel 600, Inconel 625. The scope of the paper covered the performance of corrosion resistance tests in the atmosphere of simulated exhaust gases of the following chemical composition: 0.2% HCl, 0.08% SO2, 9.0% O2 and N2 in the temperature of 800°C for 1000 hours. One found out that both tubes made of austenitic steel and those made of nickel alloy displayed good resistance to corrosion and could be applied in the energy industry.

  5. Bank of heat exchangers intended for liquid cooling or heating

    International Nuclear Information System (INIS)

    Veizman, Marcel; Swetchine, Denise.

    1975-01-01

    The invention concerns the heat exchangers cooling a significant volume of water, by straight natural air draught, such as the towers or the draught ducts of dry type air coolers. In a compact form, they enable water cooling problems to be solved in certain industrial installations such as isotope separation plants. The design of this bank of exchangers is also such that its cost is considerably diminished in relation to that of conventional banks. To this effect, this bank is composed of one or several rows of thin flexible plastic pockets forming as many water or other liquid sheets, connected to intake and discharge collectors and arranged one after the other and separated by air flow gaps. These pockets are suspended from one of their ends to hangers fixed to the assembly frame whilst restrictors prevent the pockets from swelling so avoiding any contact between them in order to maintain the air circulation gaps between them [fr

  6. Studi Analitik dan Numerik Perpindahan Panas pada Fin Trapesium (Studi Kasus pada Finned Tube Heat Exchanger

    Directory of Open Access Journals (Sweden)

    Ahmad Zaini

    2013-09-01

    Full Text Available Penambahan fin pada pipa penukar kalor merupakan suatu upaya memperbesar perpindahan kalor konduksi dan konveksi, dengan cara memperluas bidang geometri. Pada penelitian ini dianalisa secara analitik dan numerik perpindahan kalor pada fin dengan profil longitudinal tidak seragam atau berubah terhadap jarak dari dasar fin, dengan memvariasikan ketebalan ujung fin. Hasil dari kedua studi ini tidak jauh berbeda, pada keduanya menjelaskan bahwa fin dengan ketebalan ujung 0,9 mm (fin trapesium terbalik paling baik dari 5 variasi lainnya; serta perubahan temperatur paling besar terjadi pada sepertiga pertama dari panjang  fin, ini artinya pelepasan kalor terbesar terjadi pada daerah tersebut. Perbedaannya adalah pada persentase penurunan temperatur sepanjang  fin terhadap temperatur dasar fin, untuk ketebalan 0,9 mm pada studi analitik sebesar 91,92% dan pada studi numerik sebesar 91,78%. Hal ini berarti metode penyelesaian persamaan diferensial orde 2 dengan koefisien variabel dengan cara pembedahan koefisien variabel pada ODE, sudah benar dan valid. Namun bila ditinjau dari waktu yang diperlukan untuk komputasinya, studi analitik membutuhkan waktu lebih lama. Waktu yang diperlukan dalam komputasinya tergantung dari fungsi koefisien variabel.

  7. Heat transfer characteristics of alkali metals flowing across tube banks

    International Nuclear Information System (INIS)

    Sugiyama, K.; Ishiguro, R.; Kojima, Y.; Kanaoka, H.

    2004-01-01

    For the purpose of getting heat transfer coefficients of alkali metals flowing across tube banks at an acceptable level, we propose to use an inviscid-irrotational flow model, which is based on our flow visualization experiment. We show that the heat transfer coefficients obtained for the condition where only the test rod is heated in tube banks considerably differ from those obtained for the condition where all the rods are heated, because of interference between thick thermal boundary layers of alkali metals. We also confirm that the analytical values obtained by this flow model are in a reasonable agreement with experimental values. (author)

  8. DOE/ANL/HTRI heat exchanger tube vibration data bank

    International Nuclear Information System (INIS)

    Halle, H.; Chenoweth, J.M.; Wambsganss, M.W.

    1980-02-01

    Development of a new heat exchanger tube vibration data bank at Argonne National Laboratory is described. Comprehensive case histories on heat exchangers that have experienced tube-vibration problems and units that have been trouble-free are accumulated and this information is rendered available for evaluation, improvement, and development of vibration-prediction methods and design guidelines. Discussions include difficulties in generating a data bank, data form development, and solicitation efforts. Also included are 15 case histories upon which the data bank will be built. As new case histories are received, they will be assembled and published as addenda to this report

  9. Effect of Tube Diameter on The Design of Heat Exchanger in Solar Drying system

    Science.gov (United States)

    Husham Abdulmalek, Shaymaa; Khalaji Assadi, Morteza; Al-Kayiem, Hussain H.; Gitan, Ali Ahmed

    2018-03-01

    The drying of agriculture product consumes a huge fossil fuel rates that demand to find an alternative source of sustainable environmental friendly energy such as solar energy. This work presents the difference between using solar heat source and electrical heater in terms of design aspect. A circular-finned tube bank heat exchanger is considered against an electrical heater used as a heat generator to regenerate silica gel in solar assisted desiccant drying system. The impact of tube diameter on the heat transfer area was investigated for both the heat exchanger and the electrical heater. The fin performance was investigated by determining fin effectiveness and fin efficiency. A mathematical model was developed using MATLAB to describe the forced convection heat transfer between hot water supplied by evacuated solar collector with 70 °C and ambient air flow over heat exchanger finned tubes. The results revealed that the increasing of tube diameter augments the heat transfer area of both heat exchanger and electrical heater. The highest of fin efficiency was around 0.745 and the lowest was around 0.687 while the fin effectiveness was found to be around 0.998.

  10. South Bank Coke Ovens heating performance improvements

    Energy Technology Data Exchange (ETDEWEB)

    Fraser, A.J. [South Bank Coke Ovens (United Kingdom)

    1995-12-31

    The coke oven batteries at South Bank Coke Ovens had a history of refractory failure, overheating, and poor environmental performance despite repeated attempts to solve the problem. The fundamental design was poor, but previous upgrade attempts had a history of short term improvements followed by renewed decline, suggesting that the problem may not merely with the equipment. An audit of the area showed multiple morale, equipment and communications problems, although a significant proportion of the workforce were interested in improving the situation. A group of those interested in performance improvements was called together and objectives agreed upon. Communications were upgraded and problem walls analysed for their particular weaknesses. A team approach was used for maintenance, leading to slowly improving pushing emission factors. Temperature control equipment ensured better environmental performance and lower electricity consumption. 5 refs., 3 figs.

  11. DOE/ANL/HTRI heat exchanger tube vibration data bank

    Energy Technology Data Exchange (ETDEWEB)

    Halle, H.; Chenoweth, J.M.; Wambsganss, M.W.

    1981-01-01

    This addendum to the DOE/ANL/HTRI Heat Exchanger Tube Vibration Data Bank includes 16 new case histories of field experiences. The cases include several exchangers that did not experience vibration problems and several for which acoustic vibration was reported.

  12. Performance comparison of various coolants for louvered fin tube automotive radiator

    Directory of Open Access Journals (Sweden)

    Sahoo Rashmi Rekha

    2017-01-01

    Full Text Available In the present study, screening of various coolants (water, ethylene glycol, propylene glycol, brines, nanofluid, and sugarcane juice for louvered fin automotive radiator has been done based on different energetic and exergetic performance parameters. Effects on radiator size, weight and cost as well as engine efficiency and fuel consumption are discussed as well. Results show that the sugarcane juice seems to be slightly better in terms of both heat transfer and pumping power than water and nanofluid, whereas significantly better than ethylene glycol and propylene glycol. For same heat transfer capacity, the pumping power requirement is minimum and vice-versa with sugarcane juice, followed by nanofluid, water, EG and PG. Study on brines shows an opportunity to use water+25% PG based nanofluids for improvement of performance as well as operating range. Replacement of water or brines by using sugarcane juice and water or wa-ter+25% PG based nanofluids will reduce the radiator size, weight and pumping power, which may lead to increase in compactness and overall engine efficiency or reduction in radiator cost and engine fuel consumption. In overall, both sugarcane juice and nanofluid seem to be potential substitutes of water. However, both have some challenges such as long term stability for practical use.

  13. Levenberg-Marquardt application to two-phase nonlinear parameter estimation for finned-tube coil evaporators

    Directory of Open Access Journals (Sweden)

    2006-01-01

    Full Text Available A procedure for calculation of refrigerant mass flow rate is implemented in the distributed numerical model to simulate the flow in finned-tube coil dry-expansion evaporators, usually found in refrigeration and air-conditioning systems. Two-phase refrigerant flow inside the tubes is assumed to be one-dimensional, unsteady, and homogeneous. In the model the effects of refrigerant pressure drop and the moisture condensation from the air flowing over the external surface of the tubes are considered. The results obtained are the distributions of refrigerant velocity, temperature and void fraction, tube-wall temperature, air temperature, and absolute humidity. The finite volume method is used to discretize the governing equations. Additionally, given the operation conditions and the geometric parameters, the model allows the calculation of the refrigerant mass flow rate. The value of mass flow rate is computed using the process of parameter estimation with the minimization method of Levenberg-Marquardt minimization. In order to validate the developed model, the obtained results using HFC-134a as a refrigerant are compared with available data from the literature.

  14. Forecast of winter performances of dry coolers with fin tubes; Voorspelling winterprestaties droge koelers met ribbenbuizen

    Energy Technology Data Exchange (ETDEWEB)

    Yu, Bing [Shanghai DFYH Tech Services Co. Ltd, Shanghai (China); Wang, Xichun [Arup, Shanghai (China); Luscuere, P.G. [Faculteit Bouwkunde, Technische Universiteit Delft, Delft (Netherlands)

    2011-01-15

    A mathematical model is presented to predict the behaviors of dry coolers by considering the condensing and frosting. It employs one-dimensional transient finite differential formulation with variation of the frost density and thickness. The model is validated by experiments and predicts the heat transfer performance with an accuracy within 2.19%. It is helpful for the operation of dry coolers in winter. [Dutch] In dit artikel wordt een wiskundig model gepresenteerd, waarmee voortschrijdende condens- en ijsvorming op warmteoverdrachtsoppervlakken kunnen worden voorspeld aan de hand van de gevormde condens- en ijslagen. Het model maakt gebruik van eendimensionale transiente formuleringen op basis van een techniek voor lokale uitmiddeling. Hierbij wordt rekening gehouden met de varierende dichtheid en dikte van de ijslaag. Validatie van het model heeft plaatsgevonden door de resultaten te vergelijken met proefgegevens van de fabrikant van de droge koeler.

  15. Experimental study of particulate fouling onto heat exchanger elements

    International Nuclear Information System (INIS)

    Chandrasa

    1994-01-01

    An experimental study of particulate fouling onto tubular heat exchanger surfaces was carried out using sodium sulfate particles. An experimental apparatus equipped with an aerosol generator has been used to examine the deposition of small particles under controlled conditions. Two sets of experiments were performed. Firstly, the deposition against time of solid particles onto single heat exchanger tube in cross-flow was studied. The effects of a number variables such as particle size, gas velocity and temperature on the deposition was analysed. Secondly, the deposition for the aerosol particles as they passed through a bank of finned tubes was examined. The deposition patterns on various tubes depended on local conditions (velocity and temperature) within the bank. It was found that the fouling resistance increases as aerosol flow rate decreases. The smaller particles showed higher fouling resistance. (author) [fr

  16. HEAT ENGINEERING TESTING OF AIR COOLING UNIT OF HORIZONTAL TYPE

    OpenAIRE

    Rohachov, Valerii Andriiovych; Semeniako, Oleksandr Volodymyrovych; Лазоренко, Р. О.; Середа, Р. М.; Parafeinyk, Volodymyr Petrovych

    2018-01-01

    The results of the thermal tests of the section of air cooler, the heat-exchange surface of which is made up of chess package of bimetal finned tubes are presented. The methods of research are presented, the experimental stand is described, the measurement errors are given. The efficiency of the experimental stand and the accuracy of the experimental data on it are confirmed. Proposed to use the stand for researches of air cooling units with other types and sections of finned tubes.

  17. Enhanced Condensation Heat Transfer

    Science.gov (United States)

    Rose, John Winston

    The paper gives some personal observations on various aspects of enhanced condensation heat transfer. The topics discussed are external condensation (horizontal low-finned tubes and wire-wrapped tubes), internal condensation (microfin tubes and microchannels) and Marangoni condensation of binary mixtures.

  18. Three-dimensional numerical study of heat transfer characteristics of plain plate fin-and-tube heat exchangers from view point of field synergy principle

    International Nuclear Information System (INIS)

    He, Y.L.; Tao, W.Q.; Song, F.Q.; Zhang, W.

    2005-01-01

    In this paper, 3-D numerical simulations were performed for laminar heat transfer and fluid flow characteristics of plate fin-and-tube heat exchanger. The effects of five factors were examined: Re number, fin pitch, tube row number, spanwise and longitudinal tube pitch. The Reynolds number based on the tube diameter varied from 288 to 5000, the non-dimensional fin pitch based on the tube diameter varied from 0.04 to 0.5, the tube row number from 1 to 4, the spanwise tube pitch S 1 /d varies from 1.2 to 3, and the longitudinal tube pitch S 2 /d from 1.0 to 2.4. The numerical results were analyzed from the view point of field synergy principle, which says that the reduction of the intersection angle between velocity and fluid temperature gradient is the basic mechanism to enhance convective heat transfer. It is found that the effects of the five parameters on the heat transfer performance of the finned tube banks can be well described by the field synergy principle, i.e., the enhancement or deterioration of the convective heat transfer across the finned tube banks is inherently related to the variation of the intersection angle between the velocity and the fluid temperature gradient. It is also recommended that to further enhance the convective heat transfer, the enhancement techniques, such as slotting the fin, should be adopted mainly in the rear part of the fin where the synergy between local velocity and temperature gradient become worse

  19. Average Natural Convective Heat Transfer of Air-cooled Condensing Heat Exchanger of Emergency Cooldown Tank - Effect of Tube Banks

    Energy Technology Data Exchange (ETDEWEB)

    Huh, Seon Jeong; Lee, Hee Joon [Kookmin University, Seoul (Korea, Republic of); Kim, Myoung Jun; Moon, Joo Hyung; Bae, Youngmin; Kim, Young-In [Korea Atomic Energy Research Institute, Daejeon (Korea, Republic of)

    2016-10-15

    Recently emergency cooldown tank(ECT) is a great concern of passive cooling system for the safety of nuclear reactor. After the operation of a conventional passive cooling system for an extended period, however, the water level falls as a result of the evaporation from the ECT, as steam is emitted from the open top of the tank. In this study, the effect of heat transfer area at the air cooled condensing heat exchanger was investigated by changing 5×5 tube banks into 4×4 and 3×3. Moreover, each of air-side natural convective heat transfer coefficient of tube banks was compared to existing correlations. This study presents the effect of heat transfer area at air-cooled condensing heat exchanger. As heat transfer area decreased, the temperature of outlet increased. In other words, the cooling performance got lower with the decrease of heat transfer area. In addition, the average natural convective heat transfer coefficient was 15.3 W/m{sup 2}/K from the 4×4 tube banks, and 4.92 W/m{sup 2}/K from the 3×3 tube banks, which had quite a large error more than 46% especially with the value of 4×4 tube banks compared to the value from correlation equation. Therefore, according to this result, it is needed to measure the local heat transfer coefficient of vertical cylinder more elaborately in further study.

  20. Average Natural Convective Heat Transfer of Air-cooled Condensing Heat Exchanger of Emergency Cooldown Tank - Effect of Tube Banks

    International Nuclear Information System (INIS)

    Huh, Seon Jeong; Lee, Hee Joon; Kim, Myoung Jun; Moon, Joo Hyung; Bae, Youngmin; Kim, Young-In

    2016-01-01

    Recently emergency cooldown tank(ECT) is a great concern of passive cooling system for the safety of nuclear reactor. After the operation of a conventional passive cooling system for an extended period, however, the water level falls as a result of the evaporation from the ECT, as steam is emitted from the open top of the tank. In this study, the effect of heat transfer area at the air cooled condensing heat exchanger was investigated by changing 5×5 tube banks into 4×4 and 3×3. Moreover, each of air-side natural convective heat transfer coefficient of tube banks was compared to existing correlations. This study presents the effect of heat transfer area at air-cooled condensing heat exchanger. As heat transfer area decreased, the temperature of outlet increased. In other words, the cooling performance got lower with the decrease of heat transfer area. In addition, the average natural convective heat transfer coefficient was 15.3 W/m"2/K from the 4×4 tube banks, and 4.92 W/m"2/K from the 3×3 tube banks, which had quite a large error more than 46% especially with the value of 4×4 tube banks compared to the value from correlation equation. Therefore, according to this result, it is needed to measure the local heat transfer coefficient of vertical cylinder more elaborately in further study

  1. Effect of longitudinal pitch on the convection heat transfer from the tube banks in crossflow

    International Nuclear Information System (INIS)

    Kim, Tae-Wan; Hwang, Dae-Hyun; Lee, Chung-Chan; Kim, Keung-Ku

    2006-01-01

    When the tube banks in the heat exchanger are compactly designed, it is known that the average heat transfer coefficient is reduced compared with that of widely-designed tube banks. Thus, the heat transfer rate calculated by the usual heat transfer correlation will be over-estimated more than the actual one and the heat exchanger with such a design will have insufficient heat transfer capacity. Therefore, it is necessary to evaluate the effect of longitudinal and transverse pitches on the heat transfer, quantitatively. Zukauskas correlated various experimental data for aligned and staggered arrangements of tube banks as a function of Reynolds number and Prandtl number. In addition, Grimison suggested the heat transfer correlation for tube banks whose coefficients are determined by geometrical characteristics. However, Zukauskas correlation does not consider the effect of longitudinal and transverse pitches in the case of the aligned arrangement and Grimison correlation can only be used for specific geometrical arrangement such as 1.25X1.25, 1.50X1.50, and so on. Therefore, additional correlation for a heat transfer coefficient which covers a wide range of a pitch is required to predict the heat transfer rate appropriately. In this study, as a first step, the effect of a longitudinal pitch on the heat transfer is investigated for aligned tube banks by using CFD (Computational Fluid Dynamics) code

  2. Investigation of heat transfer of tube line of staggered tube bank in two-phase flow

    Science.gov (United States)

    Jakubcionis, Mindaugas

    2015-06-01

    This article presents the results of experimental investigation of heat transfer process, carried out using the model of heat exchanger. Two-phase statically stable foam flow was used as a heat transfer fluid. Heat exchanger model consisted of staggered tube bank. Experimental results are presented with the focus on influence of tube position in the line of the bank, volumetric void component and velocity of gas component of the foam. The phenomena of liquid draining in cellular foam flow and its influence on heat transfer rate has also been discussed. The experimental results have been generalized by relationship between Nusselt, Reynolds and Prandtl numbers.

  3. Development of experimental data bank on heat transfer crisis under stationary conditions

    International Nuclear Information System (INIS)

    Koshtyalek, Ya.

    1982-01-01

    The development of an experimental data bank on heat transfer orisis under stationary conditions is discussed. The work is being carried out under the auspices of CMEA in compliance with the resolution of CMEA countries experts meetinq in January 1981 held in Moscow. The data bank is supposed to be formed as a sequential set of available experimental data on the regimes with heat-transfer crisis, recorded on a standard magnetic tape for ES or IBM comuter family. All operations with the bank are to be performed via the computer. Recommendations are given to what the record structure should be used and an example of a code is suggested for a user to extract data from the bank in accordance with various criteria. At the present time parameters of more than 12000 experimental regimes are prepared for the bank and some 3000 more are being processed [ru

  4. The capacitor banks for the text diagnostic neutral beam and electron cyclotron heating experiments

    International Nuclear Information System (INIS)

    Nelin, K.; Jagger, J.; Baker, M.; Ourou, A.; De Turk, P.

    1986-01-01

    The Texas Experimental Tokamak (TEXT) has been operational since November of 1980. Since that time, many experimental systems have been added to the machine. Currently, two major experiments are being added to compliment the diagnostics already online. These systems, the Diagnostic Neutral Beam (DNB) and the Electron Cyclotron Heating (ECH) experiments are described in separate papers. A set of five modular, bipolar capacitor banks are used to power both the DNB and the ECH. The total capacitance of the banks is 92μF. The stored energy is about 500kJ at+or-100kV. The banks are built as five identical, interchangeable modules. One module is adequate to run the DNB. Up to four banks are used to power the ECH. The banks are portable so that they can be moved to the open end of the laboratory for maintenance. This gives much better access for repair work and allows the experiments to continue to run with the remaining banks. Due to budgetary constraints, these banks were constructed in the most economical manner possible consistent with worker safety and long term reliability. The capacitors themselves are on loan from Los Alamos National Labs. They are rated at 1.85μF at 60kV. Our application requires that they be used in a series/parallel configuration with a peak voltage of 50kV each. This paper describes the electrical, mechanical and control design considerations required to achieve a working set of banks

  5. Performance of adsorbent-embedded heat exchangers using binder-coating method

    KAUST Repository

    Li, Ang; Thu, Kyaw; Ismail, Azhar Bin; Shahzad, Muhammad Wakil; Ng, Kim Choon

    2016-01-01

    The performance of adsorption (AD) chillers or desalination cycles is dictated by the rates of heat and mass transfer of adsorbate in adsorbent-packed beds. Conventional granular-adsorbent, packed in fin-tube heat exchangers, suffered from poor heat

  6. Numerical study on pressure drop and heat transfer for designing sodium-to-air heat exchanger tube banks on advanced sodium-cooled fast reactor

    International Nuclear Information System (INIS)

    Kang, Hie-Chan; Eoh, Jae-Hyuk; Cha, Jae-Eun; Kim, Seong-O.

    2013-01-01

    Highlights: ► Numerical simulation for the heat flow characteristic of the sodium-to-air heat exchanger (AHX) and tube banks. ► Parallelogram tube banks showed almost similar thermal and hydraulic characteristics to the rectangular tube banks. ► Pressure drop and heat transfer of the staggered and rectangular tube banks compared with Zhukauskas’ correlation. ► AHX was modeled as porous media and suggested design guide to enhance the performance. - Abstract: A numerical study is performed to investigate the thermal and hydraulic characteristics and build up design model of the AHX (sodium-to-air heat exchanger) unit of a sodium-cooled fast reactor. Helical-coiled tube banks in the AHX are modeled as porous media and simulated heat and momentum transfer by a commercial program. Two-dimensional flow characteristic appears differently at the inlet region of the AHX annulus, and the required length of the inlet region is shorter for an inlet having a 45 degree chamber or a round shape than for one with a perpendicular corner. Pressure drop and heat transfer coefficient for rectangular, parallelogram and staggered tube banks as the main components of the AHX are evaluated and discussed. Pressure drop and heat transfer shows similar trends and underestimated values, respectively, when compared with Zhukauskas empirical correlations. The parallelogram tube bank shows similar results to the rectangular arrangement.

  7. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

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

  8. Solar heating system at Quitman County Bank, Marks, Mississippi. Final report

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-06-01

    Information is provided on the solar heating system installed in a single story wood frame, cedar exterior, sloped roof building, the Quitman County Bank, a branch of the First National Bank of Clarksdale, Mississippi. It is the first solar system in the geographical area and has promoted much interest. The system has on-site temperature and power measurements readouts. The 468 square feet of Solaron air flat plate collectors provide for 2000 square feet of space heating, an estimated 60% of the heating load. Solar heated air is distributed to the 235 cubic foot rock storage box or to the load (space heating) by a 960 cubic feet per minute air handler unit. A 7.5 ton Carrier air-to-air heat pump with 15 kilowatts of electric booster strips serve as a back-up (auxiliary) to the solar system. Motorized dampers control the direction of airflow and back draft dampers prevent thermal siphoning of conditioned air. The system was turned on in September 1979, and acceptance testing completed in February 1980. This is a Pon Cycle 3 Project with the Government sharing $13,445.00 of the $24,921 Solar Energy System installation cost.

  9. Bank of experimental data on heat transfer crisis at water boiling in circular tubes

    International Nuclear Information System (INIS)

    Sedova, T.K.; Smolin, V.N.; Shpanskij, S.V.

    1982-01-01

    Basic principles and structure of an automated information system (bank) are described. The system is to accumulate and store experimental data on heat-transfer crisis in boiling water flow within tu bular fuel elements. For each experimental section registered in the bank there is a certain amount of information including both geometry and design characteristics (dimensions, heat release distrivution, number of registered regimes and so on) and the investigated operation regimes. Each regime is characterized by values of pressure, outlet enthalpy, critical power, coolant flow rate and others. The searching programme screens the available experimental section and regime lists transfering the information to subprogrammes wherein, on the basis of the user request, the selection of a particular section and regime is performed. A brief analysis of accumulated experimental data from 26 Soviet and foreign sources is given [ru

  10. Heat exchanger with dirt separator for the use of the heat energy of waste water

    Energy Technology Data Exchange (ETDEWEB)

    1975-11-13

    Well-known heat exchanger systems consist of separate heat exchangers and dirt separators. In the case here in question both devices form a unit. A finned tube heat exchanger is positioned in the center of the dirt separator and is given extra protection through deflection sheets. A safety overflow is supplied so that no residue can appear in the waste water line when decanting.

  11. Comparative study of different exhaust heat exchangers effect on the performance and exergy analysis of a diesel engine

    NARCIS (Netherlands)

    Hatami, M.; Boot, M.D.; Ganji, D.D.; Gorji-Bandpy, M.

    2015-01-01

    In this research, the effect of three designed heat exchangers on the performance of an OM314 diesel engine and its exergy balance is investigated. Vortex generator heat exchanger (HEX), optimized finned-tube HEX and non-optimized HEX are considered and mounted on the exhaust of diesel engine.

  12. Heat transfer and pressure drop in a tube bank inclined with respect to the flow

    Energy Technology Data Exchange (ETDEWEB)

    Yanez Moreno, A.A.

    1985-01-01

    This research is intended to lend understanding and to quantify the heat-transfer and fluid-flow characteristics for yawed tube banks in both staggered and in-line arrays. The investigated range of yaw angle was from 90 (crossflow) to 45/sup 0/, while the freestream Reynolds number (based on the tube diameter) ranged between 7000 and 45,000. The transverse and longitudinal center-to-center distances between the tubes were S/sub T//D = S/sub L//D = 2, respectively. The heat-transfer experiments were carried out on a row-by-row basis. Pressure drop measurements were made not only upstream and downstream of the tube bank but also within it. The patterns of fluid flow adjacent to the tubes were visualized using the oil-lampblack technique. A detailed study was carried out to determine the heat-transfer characteristics of a yawed single cylinder. The yaw angle range was between 90 and 30/sup 0/, and flow visualization was also performed. The pressure measurements showed that the overall dimensionless pressure drop for the staggered array is higher than that for the in-line array for a given Reynolds number or yaw. The flow-visualization patterns showed that the boundary layer separation depends on the yaw angle. For the single cylinder, the Nusselt number varied with the yaw angle in an undulating manner and did not correlate with the Independence Principle.

  13. Pressure drop and heat transfer in the sodium to air heat exchanger tube banks on advanced sodium-cooled fast reactor

    International Nuclear Information System (INIS)

    Kang, H.; Eoh, J.; Cha, J.; Kim, S.

    2011-01-01

    A numerical study was performed to investigate the thermal and hydraulic characteristics and build up design model of the AHX (sodium-to-air heat exchanger) unit of a sodium-cooled fast reactor. Helical-coiled tube banks in the AHX were modeled as porous media and simulated heat and momentum transfer. Two-dimensional flow characteristic appeared at the most region of AHX annulus. Pressure drop and heat transfer coefficient for rectangular, parallelogram and staggered tube banks as the main components of the AHX were evaluated and compared with Zhukauskas empirical correlations. (author)

  14. Comparison of heat pump performance using fin-and-tube and microchannel heat exchangers under frost conditions

    International Nuclear Information System (INIS)

    Shao, Liang-Liang; Yang, Liang; Zhang, Chun-Lu

    2010-01-01

    Vapor compression heat pumps are drawing more attention in energy saving applications. Microchannel heat exchangers can provide higher performance via less core volume and reduce system refrigerant charge, but little is known about their performance in heat pump systems under frosting conditions. In this study, the system performance of a commercial heat pump using microchannel heat exchangers as evaporator is compared with that using conventional finned-tube heat exchangers numerically and experimentally. The microchannel and finned-tube heat pump system models used for comparison of the microchannel and finned-tube evaporator performance under frosting conditions were developed, considering the effect of maldistribution on both refrigerant and air sides. The quasi-steady-state modeling results are in reasonable agreement with the test data under frost conditions. The refrigerant-side maldistribution is found remarkable impact on the microchannel heat pump system performance under the frost conditions. Parametric study on the fan speed and the fin density under frost conditions are conducted as well to figure out the best trade-off in the design of frost tolerant evaporators. (author)

  15. Post-Dryout Heat Transfer to a Refrigerant Flowing in Horizontal Evaporator Tubes

    Science.gov (United States)

    Mori, Hideo; Yoshida, Suguru; Kakimoto, Yasushi; Ohishi, Katsumi; Fukuda, Kenichi

    Studies of the post-dryout heat transfer were made based on the experimental data for HFC-134a flowing in horizontal smooth and spiral1y grooved (micro-fin) tubes and the characteristics of the post-dryout heat transfer were c1arified. The heat transfer coefficient at medium and high mass flow rates in the smooth tube was lower than the single-phase heat transfer coefficient of the superheated vapor flow, of which mass flow rate was given on the assumption that the flow was in a thermodynamic equilibrium. A prediction method of post-dryout heat transfer coefficient was developed to reproduce the measurement satisfactorily for the smooth tube. The post dryout heat transfer in the micro-fin tube can be regarded approximately as a superheated vapor single-phase heat transfer.

  16. Analysis of heat flow in a tube bank of a condenser considering the influence of air

    Directory of Open Access Journals (Sweden)

    Joachimiak Magda

    2017-09-01

    Full Text Available The pressure of wet water vapor inside a condenser has a great impact on the efficiency of thermal cycle. The value of this pressure depends on the mass share of inert gases (air. The knowledge of the spots where the air accumulates allows its effective extraction from the condenser, thus improving the conditions of condensation. The condensation of water vapor with the share of inert gas in a model tube bank of a condenser has been analyzed in this paper. The models include a static pressure loss of the water vapor/air mixture and the resultant changes in the water vapor parameters. The mass share of air in water vapor was calculated using the Dalton’s law. The model includes changes of flow and thermodynamic parameters based on the partial pressure of water vapor utilizing programmed water vapor tables. In the description of the conditions of condensation the Nusselts theory was applied. The model allows for a deterioration of the heat flow conditions resulting from the presence of air. The paper contains calculations of the water vapor flow with the initial mass share of air in the range 0.2 to 1%. The results of calculations clearly show a great impact of the share of air on the flow conditions and the deterioration of the conditions of condensation. The data obtained through the model for a given air/water vapor mixture velocity upstream of the tube bank allow for identification of the spots where the air accumulates.

  17. Studi Eksperimen Pengaruh Variasi Kecepatan Udara Terhadap Performa Heat Exchanger Jenis Compact Heat Exchanger (Radiator) Dengan Susunan Tube Inline Sebagai Pemanas Pada Sistem Pengeringan Batubara

    OpenAIRE

    Irvan Paramananda; Prabowo Prabowo

    2014-01-01

    Pengeringan yang dilakukan pada batu bara dengan memanfaatkan udara panas menggunakan konsep heat exchanger. Salah satu heat exchanger yang sering digunakan adalah heat exchanger dengan tipe single row-fin tube yaitu radiator. Radiator ini akan dimanfaatkan sebagai penghasil udara panas dari air panas yang mengalir dan dihembuskan oleh kipas radiator. Penelitian ini difokuskan pada effectiveness dari komponen radiator fungsi dari kecepatan udara mulai dari kecepatan 1 m/s, 2 m/s, 3 m/s, 4 m/s...

  18. Theory and design of heat exchanger : air cooled plate, spiral heat exchanger

    International Nuclear Information System (INIS)

    Min, Ui Dong

    1960-02-01

    This book deals with air cooled heat exchanger, which introduces heat rejection system, wet surface cooler in new from, explanation of structure and design, materials, basic design like plenums chambers and fan ring, finned tube fouling factor, airflow in forced draft and fan design. It also tells of plate heat exchanger and spiral heat exchanger giving descriptions of summary, selection, basic design, device and safety function, maintenance, structure of plate heat exchanger, frames and connector plate and, basic things of spiral tube heat exchanger.

  19. EXPERIENCE OF UTILIZATION OF CAPACITY BANKS AND SCHEMES OF FREQUENCY REGULATION IN MUNICIPAL CENTRALIZED HEATING SYSTEM OF CHISINAU

    Directory of Open Access Journals (Sweden)

    CHERNEI M

    2013-04-01

    Full Text Available The current paper provides a brief summary of the district heating system of the municipality Chisinau, including heat power sources, heat distribution network, production and consumption development over the past two decades and other data. Also, the priority investment projects realized by JSC "Termocom" are being presented. The company had implemented an automated monitoring system for the heat power production, transportation and distribution. For many years, the company used bellows pipes with polyurethane insulation, ball valves and plate heat exchangers. 14 out of 21 district heating boiler stations were upgraded 10 were completely automated having as a result no further need in full-time duty personnel there. The experience gained in the implementation of capacity banks and frequency inverters, summarizing the benefits and achieved results, is also presented in the current paper. It is to be underlined that in 2011 the company achieved decrease in electricity consumption by about 30% in comparison with 2005.

  20. Energy conservation via heat transfer enhancement. Quarterly progress report, January 1-March 31, 1979

    Energy Technology Data Exchange (ETDEWEB)

    Bergles, A.E.; Junkhan, G.H.; Webb, R.L.

    1979-06-01

    This report for the first quarter of 1979 summarizes visits and contacts relative to the theory and practice of heat transfer enhancement. The Technical Literature File and Manufacturers' File were expanded, and the initial Patent Technology Information File was completed. Application studies on enhancement of waste heat recuperators and laminar internal flow heat transfer are described. A comprehensive bibliography on laminar flow enhancement is included. The Technology study on performance of internally finned tubes is complete. New data for the heat transfer and friction characteristics of internally finned tubes will be analyzed to develop rationally based correlations. An assessment of natural convection from rough surfaces was performed. Major effort was directed toward planning of the Research Workshop on Energy Conservation Through Enhanced Heat Transfer. The Workshop, scheduled for May 24 and May 25, 1979 in Chicago, will be co-sponsored by NSF.

  1. Numerical Model on Frost Height of Round Plate Fin Used for Outdoor Heat Exchanger of Mobile Electric Heat Pumps

    Directory of Open Access Journals (Sweden)

    Moo-Yeon Lee

    2012-01-01

    Full Text Available The objective of this study is to provide the numerical model for prediction of the frost growth of the round plate fin for the purpose of using it as a round plate fin-tube heat exchanger (evaporator under frosting conditions. In this study, numerical model was considering the frost density change with time, and it showed better agreement with experimental data of Sahin (1994 than that of the Kim model (2004 and the Jonse and Parker model (1975. This is because the prediction on the frost height with time was improved by using the frost thermal conductivity reflecting the void fraction and density of ice crystal with frost growth. Therefore, the developed numerical model could be used for frosting performance prediction of the round plate fin-tube heat exchanger.

  2. Recent research and development of intermediate heat exchanger for VHTR plant

    Energy Technology Data Exchange (ETDEWEB)

    Shimizu, Akira; Matsumura, Noboru; Nishikawa, Hidetsugu; Yamada, Seiya [Nagasaki Shipyard and Engine Works, Mitsubishi Heavy Industries, Ltd., Nagasaki (Japan)

    1984-07-01

    This paper describes recent tests which show progress in design of Intermediate Heat Exchanger (IHX) for high-temperature gas cooled reactor plants developed for process heat application utilizing nuclear thermal energy. As the IHX must have a large heat exchanging capacity, the most important consideration is to design a compact heat exchanger having high efficiency. For the improvement of heat transfer characteristics, tests were performed at Mitsubishi Heavy Industries such as, trial manufacturing, heat transfer characteristic tests and nondestructive inspection tests of finned tubes. Results are as follows; (1) Finned tubes produced by rolling were able to be wound helically by bending machine. (2) Laboratory tests showed this tube had good heat transfer characteristics. (3) There was not much difference between finned tubes and bare tubes for detection of defects by the eddy current tests. (4) A trial assembly using the same scale model showed that the present design is easy to assemble. (5) Automatic orbital welding can be adopted for the welding between tube and tube sheet. As the result of the experiences gained from these successful tests, the design of the IHX has been greatly improved. (author)

  3. Numerical study of pressure drop and heat transfer from circular and cam-shaped tube bank in cross-flow of nanofluid

    International Nuclear Information System (INIS)

    Mirabdolah Lavasani, Arash; Bayat, Hamidreza

    2016-01-01

    Highlights: • Flow around non-circular and circular shaped tube bank is studied. • Effect of using Al_2O_3-water nanofluid on flow and heat transfer is discussed. • Tubes are with in-line and staggered arrangement. • Pressure drop of non-circular tube is noticeably lower that circular tube. - Abstract: Flow and heat transfer of nanofluid inside circular and cam-shaped tube bank is studied numerically. Reynolds number for cam-shaped tube bank is defined based on equivalent diameter of circular tube and varies in range of 100 ⩽ Re_D ⩽ 400. Nanofluid is made by adding Al_2O_3 nanoparticle with volume fraction of 1–7% to pure water. Results show using nanofluid results in higher heat transfer rate for both circular tube bank and cam-shaped tube bank. Also, staggered arrangement has higher heat transfer for both circular and cam-shaped tube bank. Pressure drop from cam-shaped tube bank is substantially lower than circular tube bank for all range of Reynolds number and volume fraction.

  4. Heat transfer and pressure drop characteristics of the tube bank fin heat exchanger with fin punched with flow redistributors and curved triangular vortex generators

    Science.gov (United States)

    Liu, Song; Jin, Hua; Song, KeWei; Wang, LiangChen; Wu, Xiang; Wang, LiangBi

    2017-10-01

    The heat transfer performance of the tube bank fin heat exchanger is limited by the air-side thermal resistance. Thus, enhancing the air-side heat transfer is an effective method to improve the performance of the heat exchanger. A new fin pattern with flow redistributors and curved triangular vortex generators is experimentally studied in this paper. The effects of the flow redistributors located in front of the tube stagnation point and the curved vortex generators located around the tube on the characteristics of heat transfer and pressure drop are discussed in detail. A performance comparison is also carried out between the fins with and without flow redistributors. The experimental results show that the flow redistributors stamped out from the fin in front of the tube stagnation points can decrease the friction factor at the cost of decreasing the heat transfer performance. Whether the combination of the flow redistributors and the curved vortex generators will present a better heat transfer performance depends on the size of the curved vortex generators. As for the studied two sizes of vortex generators, the heat transfer performance is promoted by the flow redistributors for the fin with larger size of vortex generators and the performance is suppressed by the flow redistributors for the fin with smaller vortex generators.

  5. Experimental study of heat transfer in a transverse flow around the heat exchanger tubes bank by lead

    International Nuclear Information System (INIS)

    Berezin, A.N.; Grabezhnaya, V.A.; Mikheev, A.S.; Parfenov, A.S.

    2014-01-01

    The results of the work to determine the heat transfer coefficient in crossflow by lead of pipes are presented. The study was conducted at supercritical pressure in the water circuit. There was a significant inequality in the distribution of the heat flow in different rows of the bundle of heat exchange tubes of corridor location at crossflow their lead. The experimentally determined heat transfer coefficients from the lead differ substantially from those generally accepted recommendations for the calculation of heat transfer at cross flow of rod bundle by liquid metal. The experimental results are close to those obtained earlier on the model with cross flow of heat exchanger tubes bundle by lead alloy with bismuth [ru

  6. Heat transfer and flow pattern during two-phase flow boiling of R-134a in horizontal smooth and microfin tubes

    Energy Technology Data Exchange (ETDEWEB)

    Yu, Minghuei; Lin, Tsunkuo; Tseng, Chyuanchyi [National Sun Yat Sen Univ., Taiwan (China). Dept. of Mechanical Engineering

    2002-09-01

    Flow pattern and heat transfer during evaporation in a 10.7 mm diameter smooth tube and a micro-fin tube are presented. The tubes were tested in the ranges of mass flux between 163 and 408 kg m{sup -2}s{sup -1} and heat flux between 2200 and 56 000 W m{sup -2}. The evaporation temperature was 6{sup o}C. Flow maps for both the tubes are plotted in the coordinates of mass flux and vapor quality. The relations of flow pattern and local heat transfer coefficient are discussed. The heat transfer coefficients for intermittent and annular flows in both the smooth tube and the micro-fin tube are shown to agree well with Gungor and Winterton's correlation with modified constants. (author)

  7. Resilience of (seed bank) aerobic methanotrophs and methanotrophic activity to desiccation and heat stress.

    NARCIS (Netherlands)

    Ho, A.; Lueke, C.; Reim, A.; Frenzel, P.

    2016-01-01

    In seasonally changing environments, aerobic methanotrophs are exposed to elevated temperatures and drought. Prior exposure to adverse conditions (site history) may leave an imprint on the methanotrophic community composition in the form of a seed bank. While the significance of a microbial seed

  8. Combined convective heat transfer of liquid sodium flowing across tube banks

    International Nuclear Information System (INIS)

    Ma, Ying; Sugiyama, Ken-ichiro; Ishiguro, Ryoji

    1989-01-01

    In order to clarify the heat transfer characteristics of combined convection of liquid sodium, a numerical analysis is performed for liquid sodium which flows through a single horizontal row of tubes in the direction of gravity. The correlation of heat transfer characteristics between liquid sodium and ordinary fluids is also discussed. The heat transfer characteristics at large Reynolds numbers are improved when the Richardson number is increased, and the improvement rate is enlarged with increase in p/d value, since convection effect is relatively large. However heat transfer coefficients do not differ from those of forced convection at small Reynolds numbers even when the Richardson number reaches a high value because of conduction effect. A good consistence of heat transfer characteristics of combined convection between liquid sodium and air is obtained at the same Peclet number and Richardson number. This means that the fundamental heat transfer characteristics of combined convection of liquid sodium can be investigated with ordinary fluids. (author)

  9. Analysis of Tube Bank Heat Transfer In Downward Directed Foam Flow

    Directory of Open Access Journals (Sweden)

    Jonas Gylys

    2004-06-01

    Full Text Available Apparatus with the foam flow are suitable to use in different technologies like heat exchangers, food industry, chemical and oil processing industry. Statically stable liquid foam until now is used in technologic systems rather seldom. Although a usage of this type of foam as heat transfer agent in foam equipment has a number of advantages in comparison with one phase liquid equipment: small quantity of liquid is required, heat transfer rate is rather high, mass of equipment is much smaller, energy consumption for foam delivery into heat transfer zone is lower. The paper analyzes the peculiarities of heat transfer from distributed in staggered order and perpendicular to foam flow in channel of rectangular cross section tube bundle to the foam flow. It was estimated the dependence of mean gas velocity and volumetric void fraction of foam flow to heat transfer in downward foam flow. Significant difference of heat transfer intensity from front and back tubes of tube row in laminar foam flow was noticed. Dependence of heat transfer on flow velocity and volumetric void fraction of foam was confirmed and estimated by criterion equations.

  10. Heat exchanger

    Energy Technology Data Exchange (ETDEWEB)

    Harada, F; Yanagida, T; Fujie, K; Futawatari, H

    1975-04-30

    The purpose of this construction is the improvement of heat transfer in finned tube heat exchangers, and therefore the improvement of its efficiency or its output per unit volume. This is achieved by preventing the formation of flow boundary layers in gaseous fluid. This effect always occurs on flow of smooth adjacent laminae, and especially if these have pipes carrying liquid passing through them; it worsens the heat transfer of such a boundary layer considerably compared to that in the turbulent range. The fins, which have several rows of heat exchange tubes passing through them, are fixed at a small spacing on theses tubes. The fins have slots cut in them by pressing or punching, where the pressed-out material remains as a web, which runs parallel to the level of the fin and at a small distance from it. These webs and slots are arranged radially around every tube hole, e.g. 6 in number. For a suitable small tube spacing, two adjacent tubes opposite each other have one common slot. Many variants of such slot arrangements are illustrated.

  11. Analysis of the characteristics of heat transfer enhancement in steam condensers

    International Nuclear Information System (INIS)

    Yan Changqi; Sun Zhongning

    2001-01-01

    The influence of main factors on overall heat transfer was analyzed, and the effects of fouling factors on heat transfer characteristics in steam condenser were clarified. It was proposed that the tube outside enhancement is the most important attribute, when outside heat transfer coefficient increased there will be a big increase in condenser efficiency. The characteristics of heat transfer enhancement by spirally indented tube were investigated. It was proposed that condenser heat transfer efficiency will be raised when the low fin tube or the spirally indented tube with special treated surface were used

  12. A Method of Heat Exchange Structure Optimization of the Cricoid Plastic Parts

    Directory of Open Access Journals (Sweden)

    Dongpo Yang

    2014-01-01

    Full Text Available This paper research on the effect of heat transfer performance of ring wall structure change of ship water heater top cricoid hood. A method of equivalent conversion is applied on simplify the structure of finned tube heat exchanger, it distinct reduce the computational grid, and improve the simulation speed and accuracy. This method can be used to calculate the ventilation and heat transfer of that compact configuration type structure in the complex component. Changing the ring wall structure can improve heat transfer performance, based on the method of equivalent transformation, a new heat transfer structure is established.

  13. NEW MODES OF HIGH STIR STERILIZATION OF CANNED «COMPOTE CHERRY» USING PRE HEATING OF FRUIT IN BANKS HOT WATER

    Directory of Open Access Journals (Sweden)

    M. M. Achmedova

    2013-01-01

    Full Text Available Conducted to determine the effect of increasing the temperature of the product prior to sealing the jars for the duration of modes of heat sterilization.It is revealed that the use of pre-heating the fruit in the banks before sealing provides the possibility of increasing the initial temperature of the syrup poured into the banks, increasing the initial temperature of the product, reducing the duration of the cooking process, and therebyimproving the quality of the finished product.

  14. Calculation of local conditions data and uncertainty bands for inclusion to the NRC heat transfer data bank for semiscale test S-02-9

    International Nuclear Information System (INIS)

    Varacalle, D.J. Jr.

    1978-01-01

    To accommodate the need for data generated by the nuclear community, the Nuclear Regulatory Commission has established a Reactor Safety Research Data Base Program. This program establishes the capability of depositing data related to nuclear safety experiments into a series of compatible data bases (for example, heat transfer, critical flow) such that they are easily available for analysis, comparison, and code verification. The overall Data Bank is comprised of the experimental facilities which produce the applicable test data, the technical service organizations which coordinate the input from the data sources, and the actual data repositories. The development of the Heat Transfer Data Bank is the topic of discussion of this paper

  15. Heat transfer enhancement in heat exchangers by longitudinal vortex generators

    International Nuclear Information System (INIS)

    Guntermann, T.; Fiebig, M.; Mitra, N.K.

    1990-01-01

    In this paper heat transfer enhancement and flow losses are computed for the interaction of a laminar channel flow with a pair of counterrotating longitudinal vortices generated by a pair of delta-winglets punched out of the channel wall. The geometry simulates an element of a fin-plate or fin-tube heat exchanger. The structure of the vortex flow and temperature distribution, the local heat transfer coefficients and the local flow losses are discussed for a sample case. For a Reynolds number of Re d = 1000 and a vortex generator angle of attack of β = 25 degrees heat transfer is enhanced locally by more than 300% and in the mean by 50%. These values increase further with Re and β

  16. Heat transfer from a tube bank with mass transfer in a duct

    International Nuclear Information System (INIS)

    Nouri, A.; Lavasani, A. M.

    2005-01-01

    An experimental investigation on heat transfer coefficient is present from three horizontal tubes in a vertical array in a duct for 500 D <6000. A mass transfer measuring technique based on psychrometry chart is used to determine heat transfer coefficient. The diameter of the tubes is 11 mm each spaced 40 mm apart and in-line pitch ratio varies in the range 0.055< D/W<0.22. The experimental results show that the Nusselt number of each tube increases by increasing D/W. Also the increase of the second the Nusselt number is more than that of the third one

  17. Enhancement of condensation heat transfer using electric field. Effects of wire-electrode coating; Denba ni yoru gyoshuku netsu dentatsu no sokushin ni kansuru kenkyu. Wire denkyoku no hifuku koka

    Energy Technology Data Exchange (ETDEWEB)

    Chu, R. [Gifu University, Gifu (Japan). Faculty of Enginering; Nishio, S. [The University of Tokyo, Tokyo (Japan). Institute of Industrial Science; Tanasawa, I. [Nihon University, Fukushima (Japan). College of Engineering

    2000-08-25

    In the present paper, an attempt is made to develop an effective EHD enhancement technique for condensation heat transfer of steam around a horizontal finned tube. The main idea in the present study is to reduce the power consumption by using a partially coated electrode, and the experimental data of heat transfer coefficients and flooding angles are presented. The result indicates that, by using such an electrode, the enhancement ratio keeps almost the same level with that of a bare electrode but the power consumption can be markedly decreased. Within the present experimental range, the condensation heat transfer coefficient on the finned tube with the partially coated electrode reaches a value about 3 times larger than that without electrode. In addition, a model in presented for the EHD effect on the flooding angle and it is confirmed that the prediction from the model is in good agreement with the experimental data. (author)

  18. Experimental determination of new statistical correlations for the calculation of the heat transfer coefficient by convection for flat plates, cylinders and tube banks

    Directory of Open Access Journals (Sweden)

    Ismael Fernando Meza Castro

    2017-07-01

    Full Text Available Introduction: This project carried out an experimental research with the design, assembly, and commissioning of a convection heat transfer test bench. Objective: To determine new statistical correlations that allow knowing the heat transfer coefficients by air convection with greater accuracy in applications with different heating geometry configurations. Methodology: Three geometric configurations, such as flat plate, cylinders and tube banks were studied according to their physical properties through Reynolds and Prandtl numbers, using a data transmission interface using Arduino® controllers Measured the air temperature through the duct to obtain real-time data and to relate the heat transferred from the heating element to the fluid and to perform mathematical modeling in specialized statistical software. The study was made for the three geometries mentioned, one power per heating element and two air velocities with 10 repetitions. Results: Three mathematical correlations were obtained with regression coefficients greater than 0.972, one for each heating element, obtaining prediction errors in the heat transfer convective coefficients of 7.50% for the flat plate, 2.85% for the plate Cylindrical and 1.57% for the tube bank. Conclusions: It was observed that in geometries constituted by several individual elements, a much more accurate statistical adjustment was obtained to predict the behavior of the convection heat coefficients, since each unit reaches a stability in the surface temperature profile with Greater speed, giving the geometry in general, a more precise measurement of the parameters that govern the transfer of heat, as it is in the case of the geometry of the tube bank.

  19. Heat recovery apparatus

    International Nuclear Information System (INIS)

    McFarland, I.

    1987-01-01

    Heat transfer is a living science and technical advances are constantly being made. However, in many cases, progress is limited by the equipment that is available on the market, rather than by knowledge of the heat transfer process. A case in point is the design of economizers: in such equipment a small quantity of water (with a relatively good heat transfer coefficient) is heated by a large quantity of low-pressure gas (with an inherently low heat transfer coefficient). As a first step in design finned tubing is used to lessen the discrepancy in coefficients. From this point, it becomes apparent that the equipment consists of a small number of tubes (to maintain good velocity on the water side) of considerable length (to provide sufficient area). In the process industries the base pressure, though low, may be in the region of 0.5 bar, and there is no convenient flue in which to place the heat recovery coil. It is therefore contained in a flat-sided enclosure, which is ill-fitted to pressure containment and is therefore reinforced with a plethora of structural sections. Such inelegant construction is quite common in North America; in Europe, cylindrical containments of vast size have been supplied for the same purposes. The real shortcoming is a successful marriage of different disciplines to produce reliable and efficient heat transfer equipment suitably contained

  20. Heat transfer performance during in-tube condensation in horizontal smooth, micro-fin and herringbone tubes

    OpenAIRE

    2008-01-01

    M.Ing. An experimental investigation was conducted into the heat transfer characteristics of horizontal smooth, micro-fin and herringbone tubes during in-tube condensation. The study focused on the heat transfer coefficients of refrigerants R-22, R-134a and R-407C inside the three tubes. The herringbone tube results were compared to the smooth and micro-fin tube results. The average increase in the heat transfer coefficient when compared to the smooth tube was found to be as high as 322% w...

  1. Feasibility study on the application of a heat-pipe type adsorption chiller

    Energy Technology Data Exchange (ETDEWEB)

    Ahn, Sang Hyeok; Chung, Jae Dong [Dept. of Mechanical Engineering, Sejong University, Seoul (Korea, Republic of); Kwon, Oh Kyung [Energy System R and D Group, Korea Institute of Industrial Technology, Cheonan (Korea, Republic of)

    2017-01-15

    A parametric study on a heat-pipe type adsorption chiller with SWS-1L (mesoporous silica gel impregnated with CaCl{sub 2}) and water pair was conducted using a numerical method in this research. A heat pipe that is in direct contact with the adsorbent is applied to the adsorption chiller to improve the heat transfer capacity of the adsorption bed. A feasibility study was performed on the heat-pipe type adsorption bed with a single layer. The Coefficient of performance (COP) and the Specific cooling power (SCP) were 0.231 and 844.8 W/kg, respectively. These values are lower than the system performance values of the existing fin-tube type adsorption bed. However, when the number of bed layers was increased to seven, the COP and SCP of the heat-pipe type adsorption bed were 0.520 and 752.4 W/kg, respectively. These values are 5.25 % and 39.8 % higher than the COP and SCP, respectively, of the fin-tube type adsorption bed. These findings indicate that the heat-pipe type adsorption bed can potentially address the disadvantage caused by the system size of the adsorption chiller. A parametric study was also conducted for six design parameters, namely, number of layers, heat pipe pitch, heat pipe radius, fin width, fin spacing, and hot water temperature.

  2. Feasibility study on the application of a heat-pipe type adsorption chiller

    International Nuclear Information System (INIS)

    Ahn, Sang Hyeok; Chung, Jae Dong; Kwon, Oh Kyung

    2017-01-01

    A parametric study on a heat-pipe type adsorption chiller with SWS-1L (mesoporous silica gel impregnated with CaCl_2) and water pair was conducted using a numerical method in this research. A heat pipe that is in direct contact with the adsorbent is applied to the adsorption chiller to improve the heat transfer capacity of the adsorption bed. A feasibility study was performed on the heat-pipe type adsorption bed with a single layer. The Coefficient of performance (COP) and the Specific cooling power (SCP) were 0.231 and 844.8 W/kg, respectively. These values are lower than the system performance values of the existing fin-tube type adsorption bed. However, when the number of bed layers was increased to seven, the COP and SCP of the heat-pipe type adsorption bed were 0.520 and 752.4 W/kg, respectively. These values are 5.25 % and 39.8 % higher than the COP and SCP, respectively, of the fin-tube type adsorption bed. These findings indicate that the heat-pipe type adsorption bed can potentially address the disadvantage caused by the system size of the adsorption chiller. A parametric study was also conducted for six design parameters, namely, number of layers, heat pipe pitch, heat pipe radius, fin width, fin spacing, and hot water temperature

  3. Performance of adsorbent-embedded heat exchangers using binder-coating method

    KAUST Repository

    Li, Ang

    2016-01-01

    The performance of adsorption (AD) chillers or desalination cycles is dictated by the rates of heat and mass transfer of adsorbate in adsorbent-packed beds. Conventional granular-adsorbent, packed in fin-tube heat exchangers, suffered from poor heat transfer in heating (desorption) or cooling (adsorption) processes of the batch-operated cycles, with undesirable performance parameters such as higher footprint of plants, low coefficient of performance (COP) of AD cycles and higher capital cost of the machines. The motivation of present work is to mitigate the heat and mass "bottlenecks" of fin-tube heat exchangers by using a powdered-adsorbent cum binder coated onto the fin surfaces of exchangers. Suitable adsorbent-binder pairs have been identified for the silica gel adsorbent with pore surface areas up to 680 m2/g and pore diameters less than 6 nm. The parent silica gel remains largely unaffected despite being pulverized into fine particles of 100 μm, and yet maintaining its water uptake characteristics. The paper presents an experimental study on the selection and testing processes to achieve high efficacy of adsorbent-binder coated exchangers. The test results indicate 3.4-4.6 folds improvement in heat transfer rates over the conventional granular-packed method, resulting a faster rate of water uptake by 1.5-2 times on the suitable silica gel type. © 2015 Elsevier Ltd. All rights reserved.

  4. Improved of effective wetting area and film thickness on a concentric helical bank of a generator for an absorption heat transformer

    International Nuclear Information System (INIS)

    Lazcano-Véliz, Y.; Hernández, J.A.; Juárez-Romero, D.; Huicochea-Rodríguez, A.; Álvarez-Gallegos, A.; Siqueiros, J.

    2016-01-01

    Highlights: • The falling film of lithium bromide - water was improved in the generator of an AHT. • The design of the distributor and the concentric tube helical bank was modified. • Wetting efficiency for different operation conditions was obtained. • Improved operation flow in the heat exchange system was determined. - Abstract: This work was performed in the generator of an absorption heat transformer (AHT) applied for water purification, which has two concentric helical coils. The AHT used LiBr-H_2O to 55%wt for the heat transfer through a heat exchange by falling film. The objective of this study was to define the operating condition of the generator. Different falling film regimes were analyzed: drop mode, liquid column, and jet mode. The effective area of heat transfer of the two helical coils, wetting efficiency, and experimental film thickness were determined for the four operating flows (0.003, 0.008, 0.014, 0.019 kg/s) through digital image processing. The theoretical film thickness was measured and compared with the one calculated by the Nusselt equation. The flow of 0.008 kg/s maintained a drop mode distribution favoring a homogeneous fall along the helical test bank. A wetting efficiency of 99.52% was obtained, so it is proposed as operating flow in the generator. The theoretical film thickness for this flow was 0.289 cm and the one obtained experimentally through digital image processing was 0.293 cm. It was concluded that the distribution in the drop mode was more favorable for a better efficiency in the values of the falling film exchangers.

  5. 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.

  6. Numerical Study of Thermo-Fluid Features of Electrically Conducting Fluids in Tube Bank Heat Exchangers Exposed to Uniform Magnetic Fields

    Energy Technology Data Exchange (ETDEWEB)

    Oh, Jin Ho; Kang, Namcheol [Kyungpook Nat’l Univ., Daegu (Korea, Republic of)

    2017-10-15

    When an electrically conducting fluid flows through a staggered tube bank, the heat transfer and fluid flow features are changed by the externally introduced magnetic field. This study provides a numerical investigation of this phenomenon. Heat and fluid flows are investigated for unsteady laminar flows at Reynolds numbers of 50 and 100 with the Hartmann number gradually increasing from zero to 100. As the Hartmann number increases, and owing to the effects of the introduced magnetic field, the velocity boundary layer near the tube wall is thinned, the flow separation is delayed downstream, and the shrinkage of a recirculation zone formed near the rear side is observed. Based on these thermo-fluid deformations, the resulting changes in the local and average Nusselt number are investigated.

  7. INTENSIFICATION OF HEAT TRANSFER IN A HIGH-TEMPERATURED FLUIDIZED BED

    Directory of Open Access Journals (Sweden)

    А. O. Redko

    2017-10-01

    Full Text Available Purpose. This paper highlights experimental research of heat exchange in coarse particles to ensure the performance of ecological characteristics of Heat supply system. Methodology. The test stand has been developed to solve the defined task. It helps to do the research at the temperature of fluidizing bed and pulsating fluidizing bed at the range 800–1000°С. The temperature of the fluidized bed was provided by burning natural gas and wood waste. Sand and chamotte with a particle size of 1.0 to 5.0 mm were used as the layer material. The heat-transfer coefficient from the layer to the surface, immersed in the layer, and the density of the heat flux were measured by a calorimetric method under steady-state conditions. Smooth tubes and transversely finned with different height and rib spacing were investigated. Experiments in a high-temperature pulsating fluidized bed were carried out with pulsating combustion of natural gas in a layer or in a sublattice chamber into which natural gas and air were separately supplied. The frequency of combustion pulsations was provided by the automation system. The flash frequency was regulated in the range from 0.14 to 5 Hz. Findings. It is presented the results of physical modeling to find out the heat-transfer coefficients of smooth and finned tubes in fluidizing bed of coarse particles in the process of wood waste and gaseous fuel combusting. It is proved that the coefficient of heat transfer increases with increasing temperature by 2–2,5 times in the bed which contains particles diameter of 2.5–5 mm is 300–350Vt/(m2 К that is much higher than for layer furnaces. The results of the experiments are presented in the form of a generalized relationship that takes into account the diameter of the particles and the value of the finning coefficient. Heat transfer of finned tubes is 15–20% less then smooth tubes but the density of heat flow referred to the area of a finned tube is 0,12–0,20 МVt/m2 that

  8. 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.

  9. 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...

  10. Performance study of a fin and tube heat exchanger with different fin geometry

    DEFF Research Database (Denmark)

    Singh, Shobhana; Sørensen, Kim; Condra, Thomas Joseph

    2016-01-01

    This study analyses the effect of different fin geometries on the heat transfer and pressure loss characteristics of a fin and tube heat exchanger. A numerical investigation is carried out on liquid–gas type double-finned tube heat exchanger under cross-flow condition. Three different cross......-sections namely: a) Rectangular, b) Trapezoidal, c) Triangular are adopted to define the fin geometry. The CFD simulations are performed to incorporate coupled steady state conjugate heat transfer with the turbulent flow phenomenon for the Reynolds number in the range of 5000-13000. Dimensionless heat transfer...... models show that triangular fin geometry can provide higher heat transfer performance in comparison to the fins with rectangular and trapezoidal geometry with lower pressure loss and a bonus of 7.27% reduction in weight under similar operating conditions....

  11. Prediction of heat and mass transfer in innovative nuclear reactors

    International Nuclear Information System (INIS)

    Ambrosini, W.; Forgione, N.; Manfredini, A.; Oriolo, F.

    2000-01-01

    This paper proposes a short review of the different forms adopted to express the analogy between heat and mass transfer for application in correlating data from condensation and evaporation experiments. In particular, the assumptions at the basis of the various forms presented by classical textbooks as well as recent research work are qualitatively discussed, proposing a unified treatment of the different models. On this background, the results of the application of one of the considered forms of the analogy to a problem having relevance for nuclear reactor safety are then discussed. The work performed in this frame is related to condensation on finned tube heat exchangers, proposed as key components in passive containment cooling systems adopted in some innovative reactor concepts. The application of the model to the experimental dana also allowed to obtain interesting information about the effect of different parameters on the cooling capabilities of this compact heat exchangers. (author)

  12. Solar heating, cooling, and domestic hot water system installed at Kaw Valley State Bank and Trust Company, Topeka, Kansas

    Science.gov (United States)

    1980-01-01

    The building has approximately 5600 square feet of conditioned space. Solar energy was used for space heating, space cooling, and preheating domestic hot water (DHW). The solar energy system had an array of evacuated tube-type collectors with an area of 1068 square feet. A 50/50 solution of ethylene glycol and water was the transfer medium that delivered solar energy to a tube-in-shell heat exchanger that in turn delivered solar heated water to a 1100 gallon pressurized hot water storage tank. When solar energy was insufficient to satisfy the space heating and/or cooling demand, a natural gas-fired boiler provided auxiliary energy to the fan coil loops and/or the absorption chillers. Extracts from the site files, specification references, drawings, and installation, operation and maintenance instructions are presented.

  13. Iterative solution of fluid flow in finned tubes

    International Nuclear Information System (INIS)

    Syed, S.K.; Tuphome, E.G.; Wood, S.A.

    2004-01-01

    A difference-based numerical algorithm is developed to efficiently solve a class of elliptic boundary value problems up to any desired order of accuracy. Through multi-level discretization the algorithm uses the multigrid concept of nested iterations to accelerate the convergence rate at higher discretization levels and exploits the advantages of extrapolation methods to achieve higher order accuracy with less computational work. The algorithm employs the SOR method to solve the discrete problem at each discretization level by using an estimated optimum value of the relaxation parameter. The advantages of the algorithm are shown through comparison with the simple discrete method for simulations of fluid flows in finned circular ducts. (author)

  14. Enhancement of Condensation Heat Transfer Rate of the Air-Steam Mixture on a Passive Condenser System Using Annular Fins

    Directory of Open Access Journals (Sweden)

    Yeong-Jun Jang

    2017-11-01

    Full Text Available This paper presents an experimental investigation on the enhancement of the heat transfer rate of steam condensation on the external surfaces of a vertical tube with annular fins. A cylindrical condenser tube, which is 40 mm in outer diameter and 1000 mm in length, with annular disks of uniform cross-sectional area is fabricated in the manner of ensuring perfect contact between the base surface and fins. A total of 13 annular fins of 80 mm diameter were installed along the tube height in order to increase the effective heat transfer area by 85%. Through a series of condensation tests for the air-steam mixture under natural convection conditions, the heat transfer data was measured in the pressure range of between 2 and 5 bar, and the air mass fraction from 0.3 to 0.7. The rates of heat transfer of the finned tube are compared to those that are measured on a bare tube to demonstrate the enhanced performance by extended surfaces. In addition, based on the experimental results and the characteristics of steam condensation, the applicability of finned tubes to a large condenser system with a bundle layout is evaluated.

  15. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  16. Experimental evaluation of sodium to air heat exchanger performance

    International Nuclear Information System (INIS)

    Vinod, V.; Pathak, S.P.; Paunikar, V.D.; Suresh Kumar, V.A.; Noushad, I.B.; Rajan, K.K.

    2013-01-01

    Highlights: ► Sodium to air heat exchangers are used to remove the decay heat produced in fast breeder reactor after shutdown. ► Finned tube sodium to air heat exchanger with sodium on tube side was tested for its heat transfer performance. ► A one dimensional computer code was validated by the experimental data obtained. ► Non uniform sodium and air flow distribution was present in the heat exchanger. - Abstract: Sodium to air heat exchangers (AHXs) is used in Prototype Fast Breeder Reactor (PFBR) circuits to reject the decay heat produced by the radioactive decay of the fission products after reactor shutdown, to the atmospheric air. The heat removal through sodium to air heat exchanger maintains the temperature of reactor components in the pool within safe limits in case of non availability of normal heat transport path. The performance of sodium to air heat exchanger is very critical to ensure high reliability of the decay heat removal systems in sodium cooled fast breeder reactors. Hence experimental evaluation of the adequacy of the heat transfer capability gives confidence to the designers. A finned tube cross flow sodium to air heat exchanger of 2 MW heat transfer capacity with sodium on tube side and air on shell side was tested in the Steam Generator Test Facility at Indira Gandhi Center for Atomic Research, India. Heat transfer experiments were carried out with forced circulation of sodium and air, which confirmed the adequacy of heat removal capacity of the heat exchanger. The testing showed that 2.34 MW of heat power is transferred from sodium to air at nominal flow and temperature conditions. A one dimensional computer code developed for design and analysis of the sodium to air heat exchanger was validated by the experimental data obtained. An equivalent Nusselt number, Nu eq is derived by approximating that the resistance of heat transfer from sodium to air is contributed only by the film resistance of air. The variation of Nu eq with respect

  17. 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...

  18. Effect of river excavation on a bank filtration site - assessing transient surface water - groundwater interaction by 3D heat and solute transport modelling

    Science.gov (United States)

    Wang, W.; Oswald, S. E.; Munz, M.; Strasser, D.

    2017-12-01

    Bank filtration is widely used either as main- or pre-treatment process for water supply. The colmation of the river bottom as interface to groundwater plays a key role for hydraulic control of flow paths and location of several beneficial attenuation processes, such as pathogen filtration, mixing, biodegradation and sorption. Along the flow path, mixing happens between the `young' infiltrated water and ambient `old' groundwater. To clarify the mechanisms and their interaction, modelling is often used for analysing spatial and temporal distribution of the travelling time, quantifying mixing ratios, and estimating the biochemical reaction rates. As the most comprehensive tool, 2-D or 3-D spatially-explicit modelling is used in several studies, and for area with geological heterogeneity, the adaptation of different natural tracers could constrain the model in respect to model non-uniqueness and improve the interpretation of the flow field. In our study, we have evaluated the influence of a river excavation and bank reconstruction project on the groundwater-surface water exchange at a bank filtration site. With data from years of field site monitoring, we could include besides heads and temperature also the analysis of stable isotope data and ions to differentiate between infiltrated water and groundwater. Thus, we have set up a 3-D transient heat and mass transport groundwater model, taking the strong local geological heterogeneity into consideration, especially between river and water work wells. By transferring the effect of the river excavation into a changing hydraulic conductivity of the riverbed, model could be calibrated against both water head and temperature time-series observed. Finally, electrical conductivity dominated by river input was included as quasi-conservative tracer. The `triple' calibrated, transient model was then used to i) understand the flow field and quantify the long term changes in infiltration rate and distribution brought by the

  19. Experimental and analytical studies of high heat flux components for fusion experimental reactor

    International Nuclear Information System (INIS)

    Araki, Masanori

    1993-03-01

    In this report, the experimental and analytical results concerning the development of plasma facing components of ITER are described. With respect to developing high heat removal structures for the divertor plates, an externally-finned swirl tube was developed based on the results of critical heat flux (CHF) experiments on various tube structures. As the result, the burnout heat flux, which also indicates incident CHF, of 41 ± 1 MW/m 2 was achieved in the externally-finned swirl tube. The applicability of existing CHF correlations based on uniform heating conditions was evaluated by comparing the CHF experimental data with the smooth and the externally-finned tubes under one-sided heating condition. As the results, experimentally determined CHF data for straight tube show good agreement, for the externally-finned tube, no existing correlations are available for prediction of the CHF. With respect to the evaluation of the bonds between carbon-based material and heat sink metal, results of brazing tests were compared with the analytical results by three dimensional model with temperature-dependent thermal and mechanical properties. Analytical results showed that residual stresses from brazing can be estimated by the analytical three directional stress values instead of the equivalent stress value applied. In the analytical study on the separatrix sweeping for effectively reducing surface heat fluxes on the divertor plate, thermal response of the divertor plate has been analyzed under ITER relevant heat flux conditions and has been tested. As the result, it has been demonstrated that application of the sweeping technique is very effective for improvement in the power handling capability of the divertor plate and that the divertor mock-up has withstood a large number of additional cyclic heat loads. (J.P.N.) 62 refs

  20. Design of a natural draft air-cooled condenser and its heat transfer characteristics in the passive residual heat removal system for 10 MW molten salt reactor experiment

    International Nuclear Information System (INIS)

    Zhao, Hangbin; Yan, Changqi; Sun, Licheng; Zhao, Kaibin; Fa, Dan

    2015-01-01

    As one of the Generation IV reactors, Molten Salt Reactor (MSR) has its superiorities in satisfying the requirements on safety. In order to improve its inherent safety, a concept of passive residual heat removal system (PRHRS) for the 10 MW Molten Salt Reactor Experiment (MSRE) was put forward, which mainly consisted of a fuel drain tank, a feed water tank and a natural draft air-cooled condenser (NDACC). Besides, several valves and pipes are also included in the PRHRS. A NDACC for the PRHRS was preliminarily designed in this paper, which contained a finned tube bundle and a chimney. The tube bundle was installed at the bottom of the chimney for increasing the velocity of the air across the bundle. The heat transfer characteristics of the NDACC were investigated by developing a model of the PRHRS using C++ code. The effects of the environmental temperature, finned tube number and chimney height on heat removal capacity of the NDACC were analyzed. The results show that it has sufficient heat removal capacity to meet the requirements of the residual heat removal for MSRE. The effects of these three factors are obvious. With the decay heat reducing, the heat dissipation power declines after a short-time rise in the beginning. The operation of the NDACC is completely automatic without the need of any external power, resulting in a high safety and reliability of the reactor, especially once the accident of power lost occurs to the power plant. - Highlights: • A model to study the heat transfer characteristics of the NDACC was developed. • The NDACC had sufficient heat removal capacity to remove the decay heat of MSRE. • NDACC heat dissipation power depends on outside temperature and condenser geometry. • As time grown, the effects of outside temperature and condenser geometry diminish. • The NDACC could automatically adjust its heat removal capacity

  1. Generalization of experimental data and development of recommendations for calculating heat transfer of a staggered tube bank with helical and ring extended-surface tubes in a perpendicular gas stream (for new formulation of standard method for boiler heat analyses)

    Energy Technology Data Exchange (ETDEWEB)

    Fomina, V N; Titova, E Ya; Migai, V K; Bystrov, P G; Pis' mennyi, E N [Vsesoyuznyi Teplotekhnicheskii Institut (USSR)

    1991-06-01

    Comparatively evaluates methods for determination of optimum design of extended-surface tubes used in water walls of boilers fired with coal and other fuels in commercial power plants in the USSR. The standard calculation methods introduced in 1973 and other methods developed and tested by individual research institutes of the USSR are described. New and original formulae based on the results of physical and mathematical modeling are evaluated. Heat transfer from flue gases to water walls is analyzed. Arrangement of tube banks, design of extended-surface tubes and other factors that influence heat transfer are considered. Evaluations show that from among the analyzed calculation methods the method developed by the KPI institute is superior to others (it is most accurate and universal). Investigations show that the coefficient of thermal efficiency of the economizers (1st and 2nd stage) of boilers fired with coal amounts to about 0.85. The coefficient considers effects of buildup on the economizer tubes. Use of the method is explained on example of boilers fired with black coal from the Ehkibastuz. 13 refs.

  2. A simulation study on the operating performance of a solar-air source heat pump water heater

    International Nuclear Information System (INIS)

    Xu Guoying; Zhang Xiaosong; Deng Shiming

    2006-01-01

    A simulation study on the operating performance of a new type of solar-air source heat pump water heater (SAS-HPWH) has been presented. The SAS-HPWH used a specially designed flat-plate heat collector/evaporator with spiral-finned tubes to obtain energy from both solar irradiation and ambient air for hot water heating. Using the meteorological data in Nanjing, China, the simulation results based on 150 L water heating capacity showed that such a SAS-HPWH can heat water up to 55 deg. C efficiently under various weather conditions all year around. In this simulation study, the influences of solar radiation, ambient temperature and compressor capacity on the performance of the SAS-HPWH were analyzed. In order to improve the overall operating performance, the use of a variable-capacity compressor has been proposed

  3. The evolving landscape of banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Marinč, M.

    2008-01-01

    The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and

  4. 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.

  5. Development of heat transfer calculation program for finned-tune heat exchanger of multi-burner boiler

    International Nuclear Information System (INIS)

    Jang, Sae Byul; Kim, Jong Jin; Ahn, Joon

    2009-01-01

    We develop a heat exchanger modules for a multi-burner boiler. The heat exchanger module is kind of a Heat Recovery Steam Generator (HRSG). This heat recovery system has 8 heat exchanger modules. The 1st module consists of 27 bare tubes due to high temperature exhaust gas and the others consist of 27 finned tubes. The maximum steam pressure of each module is 1 MPa and tested steam pressure is 0.7 MPa. In order to test these heat exchanger modules, we make a 0.5 t/h flue tube boiler (LNG, 40 Nm 3 /h). We tested the heat exchanger module with changing the position of each heat exchanger module. We measured the inlet and outlet temperature of each heat exchanger module and calculated the heat exchange rate. Based on test results, we develop a heat transfer calculation program to predict flue gas. Calculation results show that temperature and temperature difference between measured and calculated flue gas exit temperature is less than 20 .deg. C when flue gas inlet temperature is 620 .deg. C.

  6. Steady-state and transient heat transfer through fins of complex geometry

    Directory of Open Access Journals (Sweden)

    Taler Dawid

    2014-06-01

    Full Text Available Various methods for steady-state and transient analysis of temperature distribution and efficiency of continuous-plate fins are presented. For a constant heat transfer coefficient over the fin surface, the plate fin can be divided into imaginary rectangular or hexangular fins. At first approximate methods for determining the steady-state fin efficiency like the method of equivalent circular fin and the sector method are discussed. When the fin geometry is complex, thus transient temperature distribution and fin efficiency can be determined using numerical methods. A numerical method for transient analysis of fins with complex geometry is developed. Transient temperature distributions in continuous fins attached to oval tubes is computed using the finite volume - finite element methods. The developed method can be used in the transient analysis of compact heat exchangers to calculate correctly the heat flow rate transferred from the finned tubes to the fluid.

  7. Theoretical Support of Heat Exchanger Experiments of the EU-CONGA Project

    International Nuclear Information System (INIS)

    Herranz, L. E.; Lopez Jimenez, J.; Munoz-Cobo, J. L.; Palomo, M. J.

    1999-01-01

    In this report the work carried out within the Work Package 5 of the CONGA project under the auspices of the European Union has been presented. Primarily focused on studying from a theoretical perspective the degradation of heat exchangers to be used in next generation of European reactor containments under accident conditions, and particularly the effect of aerosols, the objective has been met quite satisfactorily and the results can be summed up in three specific items: - A mathematical model of a mechanistic nature that has been encapsulated into a FORTRAN code (HTCFOUL) capable of simulating condensation heat transfer to a horizontal finned tube internally cooled. - A theoretical correlation depending upon non-dimensional variables and numbers which embodies most of the HTCFOUL physics and gives results not beyond 20% of actual HTCFOUL estimates. - A reasonable interpretation of the major measurements and observations obtained in the heat exchanger experiments performed within the Work Package 2 of the CONGA project. (Author) 55 refs

  8. Flow patterns and heat transfer coefficients in flow-boiling and convective condensation of R22 inside a micro fin of new design

    International Nuclear Information System (INIS)

    Muzzio, A.; Niro, A.; Garaviglia, M.

    1998-01-01

    Saturated flow boiling and convective condensation experiments for oil-free refrigerant R22 been carried out with a micro fin tube of new design and with a smooth tube. Both tube have the same outer diameter of 9.52 mm and are horizontally operated. Two-phase flow pattern data have been obtained in addition of heat transfer coefficient and pressure drops; more-over, adiabatic tests have been also performed in order for flow pattern map to cover even adiabatic flows. Data are for mass fluxes ranging from about 90 to 400 Kg/s m 2 . In boiling tests, the nominal saturation temperature is 5 degree C, with inlet quality varying from 0.2 to 0.6 and the quality change ranging from 0.1 to 0.5. In condensation, results are for saturation temperature equal to 35 degree C, with inlet quality between 0.8 and 0.4, and quality change within 0.6 and 0.2. The comparison shows a large heat transfer augmentation with a moderate increment of pressure drops, especially in evaporation were the enhancement factor comes up to 4 while the penalty factor is about 1.4 at the most. Heat transfer coefficients both in evaporation and condensation are compared to the predictions of some recent correlations specifically proposed or modified for micro fin tube

  9. Experimental investigation of the performance of an elbow-bend type heat exchanger with a water tube bank used as a heater or cooler in alpha-type Stirling machines

    Energy Technology Data Exchange (ETDEWEB)

    El-Ehwany, A.A.; Hennes, G.M. [Mech. Power Dept., Faculty of Eng., Ain Shams University, Cairo (Egypt); Eid, E.I. [Mech. Dept., Faculty of Ind. Education, Suez Canal University, Suez 43515 (Egypt); El-Kenany, E. [The Specialized Studies Academy, Workers University, Tech. Dept., Mansura (Egypt)

    2011-02-15

    In this work the effect of the elbow-bend geometry and the effect of the tube arrangement on the performance of air-to-water heat exchanger is studied experimentally. In elbow-bend heat exchanger, the direction of the working fluid is bended at 90 degrees to its inlet direction. The heating or cooling fluid flows inside straight tubes while the working fluid flows past the tubes along an elbow pass. Three different types of the geometry of the elbow with three different tube bank arrangements were studied. The results were plotted and analyzed to clarify the effects of the elbow-bend geometry, the tube bank arrangements and the dead volume in the heat exchanger on the heat transfer and pressure drop. Two empirical correlations were deduced for each design, one to predict the relation between Nusselt and Reynolds numbers, while the other relation is between the friction factor and Reynolds number. This work was done to select the more suitable design to be used as a heater or a cooler in Stirling machines. (author)

  10. Interpreting the cross-sectional flow field in a river bank based on a genetic-algorithm two-dimensional heat-transport method (GA-VS2DH)

    Science.gov (United States)

    Su, Xiaoru; Shu, Longcang; Chen, Xunhong; Lu, Chengpeng; Wen, Zhonghui

    2016-12-01

    Interactions between surface waters and groundwater are of great significance for evaluating water resources and protecting ecosystem health. Heat as a tracer method is widely used in determination of the interactive exchange with high precision, low cost and great convenience. The flow in a river-bank cross-section occurs in vertical and lateral directions. In order to depict the flow path and its spatial distribution in bank areas, a genetic algorithm (GA) two-dimensional (2-D) heat-transport nested-loop method for variably saturated sediments, GA-VS2DH, was developed based on Microsoft Visual Basic 6.0. VS2DH was applied to model a 2-D bank-water flow field and GA was used to calibrate the model automatically by minimizing the difference between observed and simulated temperatures in bank areas. A hypothetical model was developed to assess the reliability of GA-VS2DH in inverse modeling in a river-bank system. Some benchmark tests were conducted to recognize the capability of GA-VS2DH. The results indicated that the simulated seepage velocity and parameters associated with GA-VS2DH were acceptable and reliable. Then GA-VS2DH was applied to two field sites in China with different sedimentary materials, to verify the reliability of the method. GA-VS2DH could be applied in interpreting the cross-sectional 2-D water flow field. The estimates of horizontal hydraulic conductivity at the Dawen River and Qinhuai River sites are 1.317 and 0.015 m/day, which correspond to sand and clay sediment in the two sites, respectively.

  11. LOREF: Air cooler optimisation with reduction of ice and frost formation - Optimisation of lamella air-coolers/evaporators of air/water heat pumps - Part 2: mathematical-physical simulation of the lamella air-coolers with condensate and frost formation; LOREF: Luftkuehler-Optimierung mit Reduktion von Eis- und Frostbildung - Optimierung des Lamellenluftkuehlers/Verdampfers von Luft/Wasser-Waermepumpen - Teil 2: mathematisch-physikalische Simulation des Lamellenluftkuehlers mit Kondensat- und Frostbildung

    Energy Technology Data Exchange (ETDEWEB)

    Sahinagic, R.; Gasser, L.; Wellig, B.; Hilfiker, K.

    2008-04-15

    The average coefficient of performance (COP) of air/water heat pumps shall be further improved over the next decade. Its success will strongly depend on two measures: by altering the characteristic of the heat pump through continuous operation instead of on/off operation, and further, by reducing the formation of frost and ice. Frost significantly reduces the air flow, and consequently also the heat and mass transfer in the fin tube evaporator. The formation of frost and ice is influenced by a complex interaction between the fin tube evaporator, the characteristic of the fan and of the heat pump itself. An accurate prediction of these processes is required to optimize the design of the fin tube evaporator in combination with fan and heat pump to further improve the overall efficiency. Based on the theory of simultaneous heat and mass transfer combined with partial condensation and desublimation, a simulation program for the prediction of frost and ice formation has been developed, being valid over the wide range of the ambient air (from -10 {sup o}C to 15 {sup o}C and dry to saturated air). The humidity is deposited either as condensate, frost, ice or as a combination of them on the fins and tubes of the evaporator. It was a major challenge to create a correlation for the physical properties of the frost and ice layer in the unsteady processes. By numerous experiments, four regions of physical properties are distinguished, depending on the temperature at the boundary layer between air and frost or ice: condensate above -2.7 {sup o}C, condensate and ice between -3.5 {sup o}C to -2.7 {sup o}C, ice and frost between -5.2 {sup o}C to -3.5 {sup o}C and frost formed directly by desublimation below -5.2 {sup o}C. A high reliability has been obtained with the mathematical-physical simulation program proven over the entire applicable range of air temperature and humidity, temperature difference for heat transfer, air velocity and geometry of the fin tube evaporator. (author)

  12. 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...

  13. Research on frost formation in air source heat pump at cold-moist conditions in central-south China

    International Nuclear Information System (INIS)

    Gong, Guangcai; Tang, Jinchen; Lv, Dongyan; Wang, Hongjin

    2013-01-01

    Highlights: ►A dynamic evaporator model is built up. ► The model involves the ratio of the latent heat to sensible heat of wet air. ►A correlation considering d eq is shown below to predict frost accumulation: (M fr v 3 )/(Ψd eq 2 ) =((T a )/(T w ) ) 0.1 ((vτ)/(d eq ) ) 0.7 (l/(d eq ) ) 1.378 X a 1.228 . ►The changing ratio can characterize the early development of system performance. ►The changing ratio can characterize the early development of frost accumulation. -- Abstract: A dynamic evaporator model of air source heat pump (ASHP), considering the ratio of the latent heat to sensible heat of wet air, is presented to analyze the performance of ASHP under frosting. The performance parameters, such as the heating capacity, COP and the outlet temperature of compressor, are simulated with CYCLEPAD. Then a semi-empirical correlation that predicts frost accumulation on the air-side of fin-tube heat exchanger is developed with dimensionless analysis and also modified by a test conducted under cold-moist conditions in winter. In addition, eight influence factors are considered involving the ambient conditions and structures of heat exchanger, whose effects are analyzed as well. Among them, the equivalent diameter of air flow cross-section in fin-tube d eq is especially proposed. Lastly, the relationships between the ratio, the performance parameters and the frost accumulation are discussed in this paper, followed by an evaluation of an optimal defrosting time interval to improve the ASHP’s energy efficiency and operational reliability at cold-moist conditions in central-south China.

  14. LOREF: Air cooler optimisation with reduction of ice and frost formation - Optimisation of lamella air-coolers/evaporators of air/water heat pumps - Part 1: theoretical and experimental research; LOREF: Luftkuehler-Optimierung mit Reduktion von Eis- und Frostbildung - Optimierung des Lamellenluftkuehlers/Verdampfers von Luft/Wasser-Waermepumpen - Teil 1: theoretische und experimentelle Untersuchungen

    Energy Technology Data Exchange (ETDEWEB)

    Berlinger, L.; Imholz, M.; Albert, M.; Wellig, B.; Hilfiker, K.

    2008-04-15

    The use of air/water heat pumps for heating of houses is progressively increasing. It is to be expected that the average coefficient of performance (COP) can be improved substantially over the next decade. Its success will depend on controlling and reducing the formation of frost and ice which reduce the air flow and the heat and mass transfer in the fin tube evaporator. In the LOREF research project a mathematical-physical simulation program has been developed which permits to calculate the formation of condensate, ice and frost and also the pressure loss of the air as a function of space and time at any condition of the ambient air. The theoretical results have been validated by numerous experiments in which the air temperature and humidity, the temperature difference and the air velocity have been systematically varied. Particular emphasis has been given to the geometries of the fin tube evaporator. Several fin partitions along the cooler have been investigated. Using the simulation program the evaporator of a commercial heat pump was optimized and experimentally compared to the original evaporator. The resulting seasonal performance factors were nearly equal what confirms the small differences obtained by simulations. Nevertheless, the optimized evaporator features advantages in respect of the defrosting with ambient air because of its bigger fin spacing and the resulting decrease in pressure drop. The results of the LOREF research project are now the basis for the overall optimization of air/water heat pumps. (author)

  15. 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.

  16. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  17. 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...

  18. Effects of air flow maldistribution on refrigeration system dynamics of air source heat pump chiller under frosting conditions

    International Nuclear Information System (INIS)

    Gong Jianying; Gao Tieyu; Yuan Xiuling; Huang Dong

    2008-01-01

    The effects of air flow maldistribution on the performance of an air source heat pump chiller under frosting conditions were investigated experimentally. The results indicated that air flow maldistribution was the dominant factor leading to hunting of the thermostatic expansion valve for medium and/or large size finned tube evaporators. With air flow maldistribution degree (AMD) increasing, frost occurred earlier, and the frost layer grew faster. The operating characteristics became lower when AMD was increased. We found such phenomenon seemed to be related to both the difference of refrigerant outlet superheat and the frosting velocity. In the hunting stage, the frost block effect became the main factor degrading the refrigeration system performance. With AMD increasing, the heat pump system pertinent performance data (suction pressure, evaporation temperature, discharge pressure, refrigerant outlet temperature, etc.) were degraded more dramatically

  19. 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...

  20. Human milk banking.

    Science.gov (United States)

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

    2013-01-01

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

  1. 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-.

  2. Experimental investigation of water sprayed finned heat exchanger tube bundles

    International Nuclear Information System (INIS)

    Sommer, A.

    1987-07-01

    Experimental investigations have been made to study the performance of two finned tube-bundle heat exchangers (FORGO type) when wetted by water sprays. The heat exchangers are designed to cool water in a dry cooling tower. The test-elements had a frontal area of 1 m 2 . The water sprays were created by 20 nozzles, 200 mm in front of the heat exchangers. Air velocities at the inlet of the coolers were in the range 0,8 m/s to 12 m/s and initial temperature differences ITD reached 45 degrees C. The test facility was designed to determine the combined latent and sensible heat fluxes in the wetted heat exchanger, the airside pressure drop and the air humidity and temperature at the exchanger inlet and outlet, and to measure the weight of the water wetting the cooler's surface. The sprayed test elements were investigated in different positions, but most of the experiments were carried out in the position with the fins horizontal

  3. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  4. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

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

  5. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

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

  6. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

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

  7. Heat-exchanger concepts for neutral-beam calorimeters

    International Nuclear Information System (INIS)

    Thompson, C.C.; Polk, D.H.; McFarlin, D.J.; Stone, R.

    1981-01-01

    Advanced cooling concepts that permit the design of water cooled heat exchangers for use as calorimeters and beam dumps for advanced neutral beam injection systems were evaluated. Water cooling techniques ranging from pool boiling to high pressure, high velocity swirl flow were considered. Preliminary performance tests were carried out with copper, inconel and molybdenum tubes ranging in size from 0.19 to 0.50 in. diameter. Coolant flow configurations included (1) smooth tube/straight flow, (2) smooth tube with swirl flow created by tangential injection of the coolant, and (3) axial flow in internally finned tubes. Additionally, the effect of tube L/D was evaluated. A CO 2 laser was employed to irradiate a sector of the tube exterior wall; the laser power was incrementally increased until burnout (as evidenced by a coolant leak) occurred. Absorbed heat fluxes were calculated by dividing the measured coolant heat load by the area of the burn spot on the tube surface. Two six element thermopiles were used to accurately determine the coolant temperature rise. A maximum burnout heat flux near 14 kW/cm 2 was obtained for the molybdenum tube swirl flow configuration

  8. Simultaneous heat and mass transfer to air from a compact heat exchanger with water spray precooling and surface deluge cooling

    International Nuclear Information System (INIS)

    Zhang, Feini; Bock, Jessica; Jacobi, Anthony M.; Wu, Hailing

    2014-01-01

    Various methods are available to enhance heat exchanger performance with evaporative cooling. In this study, evaporative mist precooling, deluge cooling, and combined cooling schemes are examined experimentally and compared to model predictions. A flexible model of a compact, finned-tube heat exchanger with a wetted surface is developed by applying the governing conservation and rate equations and invoking the heat and mass transfer analogy. The model is applicable for dry, partially wet, or fully wet surface conditions and capable of predicting local heat/mass transfer, wetness condition, and pressure drop of the heat exchanger. Experimental data are obtained from wind tunnel experiments using a louver-fin flat-tube heat exchanger with single-phase tube-side flow. Total capacity, pressure drop, and water drainage behavior under various water usage rates and air face velocities are analyzed and compared to data for dry-surface conditions. A heat exchanger partitioning method for evaporative cooling is introduced to study partially wet surface conditions, as part of a consistent and general method for interpreting wet-surface performance data. The heat exchanger is partitioned into dry and wet portions by introducing a wet surface factor. For the wet part, the enthalpy potential method is used to determine the air-side sensible heat transfer coefficient. Thermal and hydraulic performance is compared to empirical correlations. Total capacity predictions from the model agree with the experimental results with an average deviation of 12.6%. The model is also exercised for four water augmentation schemes; results support operating under a combined mist precooling and deluge cooling scheme. -- Highlights: • A new spray-cooled heat exchanger model is presented and is validated with data. • Heat duty is shown to be asymptotic with spray flow rate. • Meaningful heat transfer coefficients for partially wet conditions are obtained. • Colburn j wet is lower than j dry

  9. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

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

  10. Solar heating, cooling, and domestic hot water system installed at Kaw Valley State Bank and Trust Company, Topeka, Kansas. Final report

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-11-01

    The building has approximately 5600 square feet of conditioned space. Solar energy is used for space heating, space cooling, and preheating domestic hot water (DHW). The solar energy system has an array of evacuated tube-type collectors with an area of 1068 square feet. A 50/50 solution of ethylene glycol and water is the transfer medium that delivers solar energy to a tube-in-shell heat exchanger that in turn delivers solar-heated water to a 1100 gallon pressurized hot water storage tank. When solar energy is insufficient to satisfy the space heating and/or cooling demand, a natural gas-fired boiler provides auxiliary energy to the fan coil loops and/or the absorption chillers. Extracts from the site files, specification references, drawings, and installation, operation and maintenance instructions are included.

  11. Heat exchangers

    International Nuclear Information System (INIS)

    1975-01-01

    The tubes of a heat exchanger tube bank have a portion thereof formed in the shape of a helix, of effective radius equal to the tube radius and the space between two adjacent tubes, to tangentially contact the straight sections of the tubes immediately adjacent thereto and thereby provide support, maintain the spacing and account for differential thermal expansion thereof

  12. 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...

  13. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula. © 2017 S. Karger AG, Basel.

  14. 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

  15. Polymeric hollow fiber heat exchanger as an automotive radiator

    International Nuclear Information System (INIS)

    Krásný, Ivo; Astrouski, Ilya; Raudenský, Miroslav

    2016-01-01

    Highlights: • Polymeric hollow fiber heat exchanger as an automotive radiator is proposed. • The mechanism of heat transfer (HT) relies on diameter of polymeric hollow fiber. • Grimson equation is sufficient for approximate prediction of the heat transfers. - Abstract: Nowadays, different automotive parts (tubing, covers, manifolds, etc.) are made of plastics because of their superior characteristics, low weight, chemical resistance, reasonable price and several other aspects. Manufacturing technologies are already well-established and the application of plastics is proven. Following this trend, the production of compact and light all-plastic radiators seems reasonable. Two plastic heat exchangers were manufactured based on polypropylene tubes of diameter 0.6 and 0.8 mm (so-called fibers) and tested. The heat transfer performance and pressure drops were studied with hot (60 °C) ethyleneglycol-water brine flowing inside the fibers and air (20 °C) outside because these conditions are conventional for car radiator operation. It was observed that heat transfer rates (up to 10.2 kW), overall heat transfer coefficients (up to 335 W/m"2 K), and pressure drops are competitive to conventional aluminium finned-tube radiators. Moreover, influence of fiber diameter was studied. It was observed that air-side convective coefficients rise with a decrease of fiber diameter. Air-side pressure drops of plastic prototypes were slightly higher than of aluminium radiator but it is expected that additional optimization will eliminate this drawback. Experimentally obtained air-side heat transfer coefficients were compared with the theoretical prediction using the Grimson equation and the Churchill and Bernstein approach. It was found that the Grimson equation is sufficient for approximate prediction of the outer HTCs and can be used for engineering calculations. Further work will concentrate on optimizing and developing a polymeric hollow fiber heat exchanger with reduced size

  16. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  17. 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...

  18. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  19. 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.

  20. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  1. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

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

  2. Thermal and mechanical behavior of APWR-claddings under critical heat flux conditions

    International Nuclear Information System (INIS)

    Diegele, E.; Rust, K.

    1986-10-01

    Helical grid spacers, such as three or six helical fins as integral part of the claddings, are regarded as a more convenient design for the very tight lattice of an advanced pressurized water reactor (APWR) than grid spacers usually used. Furthermore, it is expected that this spacer design allows an increased safety margin against the critical heat flux (CHF), the knowledge of which is important for design, licensing, and operation of water cooled reactors. To address the distribution of the heat flux density at the outer circumference of the cladding geometry under investigation, the temperature fields in claddings without as well with fins were calculated taking into consideration nuclear and electrically heated rods. Besides the thermal behavior of the claddings, the magnitude and distribution of thermal stresses were determined additionally. A locally increased surface heat flux up to about 40 percent was calculated for the fin bases of nuclear as well as indirect electrically heated claddings with six such helical fins. For all investigated cases, the VON MISES stresses are clearly lower than 200 MPa, implying that no plastic deformations are to be expected. The aim of this theoretical analysis is to allow a qualitative assessment of the finned tube conception and to support experimental investigations concerning the critical heat flux. (orig.) [de

  3. 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....

  4. 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

  5. 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 ...

  6. Solar air heating system: design and dynamic simulation

    Science.gov (United States)

    Bououd, M.; Hachchadi, O.; Janusevicius, K.; Martinaitis, V.; Mechaqrane, A.

    2018-05-01

    The building sector is one of the big energy consumers in Morocco, accounting for about 23% of the country’s total energy consumption. Regarding the population growth, the modern lifestyle requiring more comfort and the increase of the use rate of electronic devices, the energy consumption will continue to increase in the future. In this context, the introduction of renewable energy systems, along with energy efficiency, is becoming a key factor in reducing the energy bill of buildings. This study focuses on the design and dynamic simulation of an air heating system for the mean categories of the tertiary sector where the area exceeds 750 m3. Heating system has been designed via a dynamic simulation environment (TRNSYS) to estimate the produced temperature and airflow rate by one system consisting of three essential components: vacuum tube solar collector, storage tank and water-to-air finned heat exchanger. The performances estimation of this system allows us to evaluate its capacity to meet the heating requirements in Ifrane city based on the prescriptive approach according to the Moroccan Thermal Regulation. The simulation results show that in order to maintain a comfort temperature of 20°C in a building of 750m3, the places requires a thermal powers of approximately 21 kW, 29 kW and 32 kW, respectively, for hotels, hospitals, administrative and public-school. The heat generation is ensured by a solar collector areas of 5 m², 7 m² and 10 m², respectively, for hotels, hospitals, administrative and public-school spaces, a storage tank of 2 m3 and a finned heat exchanger with 24 tubes. The finned tube bundles have been modelled and integrated into the system design via a Matlab code. The heating temperature is adjusted via two controllers to ensure a constant air temperature of 20°C during the heating periods.

  7. Flow boiling of CO{sub 2} in smooth and micro fin tubes at high mass fluxes. Notification about the finish of the AIF-research project, treaty no. 13947N; Stroemungsverdampfung von CO{sub 2} in glatten und innen berippten Rohren bei hohen Massenstromdichten. Bekanntmachung ueber den Abschluss des AIF-Forschungsvorhabens Nr. 13947N

    Energy Technology Data Exchange (ETDEWEB)

    Schael, A.E.; Kind, M. [Inst. fuer Thermische Verfahrenstechnik (TVT), Univ. Karlsruhe (T.H.) (Germany)

    2006-01-15

    The natural refrigerant carbon dioxide is gaining importance as a working fluid in compression cycles. But reliable data on flow boiling heat transfer and pressure drop were still missing. Due to that fact, a research project was carried out at the Institute of Thermal Process Engineering at the University of Karlsruhe, which was funded by the AIF and guided by the Forschungsrat Kaeltetechnik e.V. Here a short report about this investigations is given. The full report is available at the Forschungsrat Kaeltetechnik e.V. (orig.)

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

    OpenAIRE

    Ross Levine

    2003-01-01

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

  9. 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

  10. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  11. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  12. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  13. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  14. Experiments on condensation heat transfer characteristics inside a microfin tube with R410A

    Energy Technology Data Exchange (ETDEWEB)

    Han, D H; Cho, Y J [Korea University Graduate School, Seoul (Korea); Lee, K J; Park, S S [Korea University, Seoul (Korea)

    2000-11-01

    Due to the ozone depletion and global warming potentials, some refrigerants (CFCs and HCFCs) have been rapidly substituted. R410A is considered as the alternative refrigerant of R22 for the air-conditioners used at home and in industry. Experiments on the condensation heat transfer characteristics inside a smooth or a micro-fin tube with R410A are performed in this study. The test tubes 7/9.52 mm in outer diameters and 3 m in length are used. Varying the mass flux of the refrigerant and the condensation temperatures, the average heat transfer coefficients and pressure drop are investigated. It is shown that the heat transfer is enhanced and the amount of pressure drops are larger in the microfin tube than the smooth tube. From the heat transfer enhancement coefficient and the pressure penalty factor, it is found that the high heat transfer enhancement coefficients are obtained in the range of small mass flux while the penalty factors are almost equal. (author). 13 refs., 12 figs., 1 tab.

  15. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  16. 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...

  17. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

  19. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  20. Studi Eksperimen Pengaruh Variasi Kecepatan Udara Terhadap Performa Heat Exchanger Jenis Compact Heat Exchanger (Radiator Dengan Susunan Tube Inline Sebagai Pemanas Pada Sistem Pengeringan Batubara

    Directory of Open Access Journals (Sweden)

    Irvan Paramananda

    2014-03-01

    Full Text Available Pengeringan yang dilakukan pada batu bara dengan memanfaatkan udara panas menggunakan konsep heat exchanger. Salah satu heat exchanger yang sering digunakan adalah heat exchanger dengan tipe single row-fin tube yaitu radiator. Radiator ini akan dimanfaatkan sebagai penghasil udara panas dari air panas yang mengalir dan dihembuskan oleh kipas radiator. Penelitian ini difokuskan pada effectiveness dari komponen radiator fungsi dari kecepatan udara mulai dari kecepatan 1 m/s, 2 m/s, 3 m/s, 4 m/s dan 5 m/s dan fungsi jumlah radiator yang digunakan. Prinsip dari radiator yang digunakan adalah mengalirkan fluida panas berupa air ke dalam tube-tube radiator kemudian didinginkan oleh udara yang dihembuskan oleh fan yang melewati fin sehingga air yang keluar dari tube menjadi dingin dan udara yang melewati fin menjadi panas. Hasil yang didapatkan dari eksperimen ini diantaranya kecepatan udara yang optimal terhadap proses pengeringan batu bara yang dipakai pada alat pengering batu bara adalah sebesar 5 m/s dengan menggunakan 2 radiator. qhot untuk penggunaan 2 radiator dengan kecepatan udara sebesar 5 m/s adalah 30121.17 Watt. Effectiveness pada penggunaan 2 radiator dengan kecepatan udara sebesar 5 m/s adalah 0.65. Efisiensi fin yang terjadi pada kecepatan udara 5 m/s dengan menggunakan 2 radiator sebesar 0.93

  1. 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

  2. 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...

  3. 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...

  4. 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....

  5. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  6. GenBank

    Data.gov (United States)

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

  7. 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...

  8. 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...

  9. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  10. GenBank

    OpenAIRE

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

    2006-01-01

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

  11. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  12. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

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

  13. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  14. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  15. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

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

  16. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  17. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  18. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  19. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

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

  20. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  1. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  2. Design of DC Conduction Pump for PGSFR Active Decay Heat Removal System

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Dehee; Hong, Jonggan; Lee, Taeho [Korea Atomic Energy Research Institute, Daejeon (Korea, Republic of)

    2014-05-15

    A DC conduction pump has been designed for the ADHRS of PGSFR. A VBA code developed by ANL was utilized to design and optimize the pump. The pump geometry dependent parameters were optimized to minimize the total current while meeting the design requirements. A double-C type dipole was employed to produce the calculated magnetic strength. Numerical simulations for the magnetic field strength and its distribution around the dipole and for the turbulent flow under magnetic force will be carried out. A Direct Current (DC) conduction Electromagnetic Pump (EMP) has been designed for Active Decay Heat Removal System (ADHRS) of PGSFR. The PGSFR has active as well as passive systems for the DHRS. The passive DHRS (PDHRS) works by natural circulation head and the ADHRS is driven by an EMP for the DHRS sodium loop and a blower for the finned-tube sodium-to-air heat exchanger (FHX). An Annular Linear Induction Pump (ALIP) can be also considered for the ADHRS, but DC conduction pump has been chosen. Selection basis of DHRS EMP is addressed and EMP design for single ADHRS loop with 1MWt heat removal capacity is introduced.

  3. Impact of ambient air temperature and heat load variation on the performance of air-cooled heat exchangers in propane cycles in LNG plants – Analytical approach

    International Nuclear Information System (INIS)

    Fahmy, M.F.M.; Nabih, H.I.

    2016-01-01

    Highlights: • An analytical method regulated the air flow rate in an air-cooled heat exchanger. • Performance of an ACHE in a propane cycle in an LNG plant was evaluated. • Summer inlet air temperature had higher impact on ACHE air flow rate requirement. - Abstract: An analytical method is presented to evaluate the air flow rate required in an air-cooled heat exchanger used in a propane pre-cooling cycle operating in an LNG (liquefied natural gas) plant. With variable ambient air inlet temperature, the air flow rate is to be increased or decreased so as to assure and maintain good performance of the operating air-cooled heat exchanger at the designed parameters and specifications. This analytical approach accounts for the variations in both heat load and ambient air inlet temperature. The ambient air inlet temperature is modeled analytically by simplified periodic relations. Thus, a complete analytical method is described so as to manage the problem of determining and accordingly regulate, either manually or automatically, the flow rate of air across the finned tubes of the air-cooled heat exchanger and thus, controls the process fluid outlet temperature required for the air-cooled heat exchangers for both cases of constant and varying heat loads and ambient air inlet temperatures. Numerical results are obtained showing the performance of the air-cooled heat exchanger of a propane cycle which cools both NG (natural gas) and MR (mixed refrigerant) streams in the LNG plant located at Damietta, Egypt. The inlet air temperature variation in the summer time has a considerable effect on the required air mass flow rate, while its influence becomes relatively less pronounced in winter.

  4. 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

  5. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  6. Metal hydride/chemical heat-pump development project. Phase I. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Argabright, T.A.

    1982-02-01

    The metal hydride/chemical heat pump (MHHP) is a chemical heat pump containing two hydrides for the storage and/or recovery of thermal energy. It utilizes the heat of reaction of hydrogen with specific metal alloys. The MHHP design can be tailored to provide heating and/or cooling or temperature upgrading over a wide range of input and ambient temperatures. The system can thus be used with a variety of heat sources including waste heat, solar energy or a fossil fuel. The conceptual design of the MHHP was developed. A national market survey including a study of applications and market sectors was conducted. The technical tasks including conceptual development, thermal and mechanical design, laboratory verification of design and material performance, cost analysis and the detailed design of the Engineering Development Test Unit (EDTU) were performed. As a result of the market study, the temperature upgrade cycle of the MHHP was chosen for development. Operating temperature ranges for the upgrader were selected to be from 70 to 110/sup 0/C (160 to 230/sup 0/F) for the source heat and 140 to 190/sup 0/C (280 to 375/sup 0/F) for the product heat. These ranges are applicable to many processes in industries such as food, textile, paper and pulp, and chemical. The hydride pair well suited for these temperatures is LaNi/sub 5//LaNi/sub 4/ /sub 5/Al/sub 0/ /sub 5/. The EDTU was designed for the upgrade cycle. It is a compact finned tube arrangement enclosed in a pressure vessel. This design incorporates high heat transfer and low thermal mass in a system which maximizes the coefficient of performance (COP). It will be constructed in Phase II. Continuation of this effort is recommended.

  7. Further Studies in Filmwise Condensation of Steam on Horizontal Finned Tubes

    Science.gov (United States)

    1992-03-01

    8217; OUITPUT 7(0C. ’AD AFE02 ALSZ ’,IS !IZ7 ,’hiTPiT ’ 7 097 AcCA . ~2 1 ENiTER 709;Etp !’S OU~TPUtT 70 ’AC S -2’ 1 NPUIT "CONlNE’C~T tifOl A.C L.PjC l...Ptczit1Pvap1 GAUGEc 2077 Ptezt2P-v~ p2 ITRANSDUCER 2080’ CORECION FOR AIR CONTAMNATION 20SI P~pPvp2*1 .E-3 ITRANSDUCER IN P 20Z P-~~1 -3 ISAT. PRESSU’RE IN P

  8. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  9. 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...

  10. 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.

  11. 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

  12. 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...

  13. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  14. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

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

  15. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  16. Condensation heat transfer coefficients of flammable refrigerants on various enhanced tubes

    International Nuclear Information System (INIS)

    Park, Ki Jung; Jung, Dong Soo

    2005-01-01

    In this study, external condensation Heat Transfer Coefficients (HTCs) of six flammable refrigerants of propylene (R1270), propane (R290), isobutane (R600a), butane (R600), dimethylether (RE170), and HFC32 were measured at the vapor temperature of 39 .deg. C on a 1023 fpm low fin and turbo-C tubes. All data were taken under the heat flux of 32∼116 and 42∼142 kW/m 2 for the low fin and turbo-C tubes respectively. Flammable refrigerants' data obtained on enhanced tubes showed a typical trend that external condensation HTCs decrease with increasing wall subcooling. HFC32 and DME showed up to 30% higher HTCs than those of HCFC22 due to their excellent thermophysical properties. Propylene, propane, isobutane, and butane showed similar or lower HTCs than those of HCFC22. Beatty and Katz' correlation predicted the HTCs of the flammable refrigerants obtained on a low fin tube within a mean deviation of 7.3%. Turbo-C tube showed the best performance due to its 3 dimensional surface geometry for fast removal of condensate

  17. Design and technology parameters influence on durability for heat exchangers tube to tubesheet joints

    Science.gov (United States)

    Ripeanu, R. G.

    2017-02-01

    The main failures of heat exchangers are: corrosion of tubes and jacket, tubes blockage and failures of tube to tubesheet joints also by corrosion. The most critical zone is tube to tubesheet joints. Depending on types of tube to tubesheet joints, in order to better respect conditions of tension and compression, this paper analyses the tubesheet holes shapes, smooth and with a grove, on corrosion behavior. In the case of welding tubes with tubesheet, welding parameters modify corrosion behavior. Were realized welded joints by three welding regimes and tested at corrosion in two media, tap water and industrial water. Were tested also samples made of smooth tubes, finned tubes and tubes coated with a passive product as applied by a heat exchanger manufacturer. For all samples, the roughness parameters were measured, before and after the corrosion tests. The obtained corrosion rates show that stress values and their distribution along the joint modify the corrosion behavior. The optimum welding parameters were established in order to increase the joint durability. The paper has shown that passive product used is not proper chosen and the technology of obtaining rolled thread pipes diminishes tubes’ durability by increasing the corrosion rate.

  18. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  19. Digital Banking 2025

    OpenAIRE

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

    2017-01-01

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

  20. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

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

  1. GenBank

    OpenAIRE

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

    2008-01-01

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

  2. GenBank

    OpenAIRE

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

    2012-01-01

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

  3. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

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

  4. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  5. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  6. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

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

  7. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  8. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

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

  9. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  10. 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...

  11. 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-...

  12. 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.

  13. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

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

  14. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

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

  15. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

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

  16. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  17. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  18. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  19. Transparency of Banking Supervisors

    NARCIS (Netherlands)

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

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

  20. International fuel bank

    International Nuclear Information System (INIS)

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

  1. 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

  2. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  3. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  4. The competitive challenge in banking

    NARCIS (Netherlands)

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

    2005-01-01

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

  5. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

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

  6. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  7. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  8. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  9. Bank and sovereign debt risk

    OpenAIRE

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

    2013-01-01

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

  10. 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 ...

  11. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

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

  12. Experiments and Modelling Techniques for Heat and Mass Transfer in Light Water Reactors

    International Nuclear Information System (INIS)

    Ambrosini, W.; Bucci, M.; Forgione, N.; Manfredini, A.; Oriolo, F.

    2009-01-01

    The paper summarizes the lesson learned from theoretical and experimental activities performed at the University of Pisa, Pisa, Italy, in past decades in order to develop a general methodology of analysis of heat and mass transfer phenomena of interest for nuclear reactor applications. An overview of previously published results is proposed, highlighting the rationale at the basis of the performed work and its relevant conclusions. Experimental data from different sources provided information for model development and assessment. They include condensation experiments performed at SIET (Piacenza, Italy) on the PANTHERS prototypical PCCS module, falling film evaporation tests for simulating AP600-like outer shell spraying conditions, performed at the University of Pisa, experimental data concerning condensation on finned tubes, collected by CISE (Piacenza, Italy) in the frame of the INCON EU Project, and experimental tests performed in the CONAN experimental facility installed at the University of Pisa. The experience gained in these activities is critically reviewed and discussed to highlight the relevant obtained conclusions and the perspectives for future work

  13. The Role of the Process and Design Variables in Improving the Performance of Heat Exchanger Tube Expansion

    Directory of Open Access Journals (Sweden)

    Changwan Han

    2018-05-01

    Full Text Available In the expansion process of a fin-tube heat exchanger, the process variables and shape of the expansion ball affect the deformation of the tube’s inner grooves, the adhesion, and the expansion force. These factors influence the efficiency of heat transfer and the lifetime of the expansion equipment. Therefore, this study analyzed the influential variables of the tube expansion process as well as the expansion ball design through experiments and simulations. A new method was proposed to determine the severity of adhesion in the tube’s inner grooves using the expansion force rate. Expansion experiments with Al tubes show that the expansion force decreases when using a lubricant with high viscosity and when the lubricant remains on the expansion ball for a longer duration. Finite element analysis was also performed to examine the expansion of Cu tubes, which showed that the expansion force was higher when using expansion ball shapes that have higher contact area between the ball and tube surface. The radius of curvature of the expansion ball also influenced the expansion force. However, increasing the ratio of the radial force to the expansion force increased the deformation of the tube’s inner grooves.

  14. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  15. Protein Data Bank (PDB)

    Data.gov (United States)

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

  16. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  17. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

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

  18. Mitigation Banking Factsheet

    Science.gov (United States)

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

  19. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

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

  20. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

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

  1. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

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

  2. 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.

  3. 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.

  4. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

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

  5. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

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

  6. Regional savings bank Oldenburg heats and cools with geothermal energy. Temperation of buildings supports real smartness of architecture; Landessparkasse zu Oldenburg heizt und kuehlt mit Geothermie. Gebaeudetemperierung unterstuetzt sachliche Eleganz der Architektur

    Energy Technology Data Exchange (ETDEWEB)

    Schmid, Wolfgang

    2010-02-15

    Clear lines and real elegance on the basis of a well-contrived scanning system mark the new building of the regional savings bank Oldenburg (Federal Republic of Germany). The minimalistic style of the new centre also repeats itself in the selection of temperation system for buildings being hided quasi invisibly in the floor. In addition, the linear grating of the underfloor panel convectors along the external walls accentuate the clear lines of architecture and set own accents.

  7. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  8. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

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

  9. 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.

  10. Structural evaluation of FHX for PGSFR at steady state condition

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Nak-Hyun; Lee, S. Y.; Kim, S. K. [KAERI, Daejeon (Korea, Republic of)

    2016-05-15

    Liquid sodium flows inside the heat transfer tubes and atmospheric air flows over the finned tubes. The configuration and overall shape of the unit are shown in Figure 1. The unit is placed in the upper region of the reactor building and has function of dumping the system heat load into the final heat sink, i.e., the atmosphere. Heat is transmitted from the primary cold sodium pool into the ADHRS sodium loop via DHX (Decay Heat Exchanger), and a direct heat exchange occurs between the tube-side sodium and the shell-side air through the FHX tube wall. Cold atmospheric air is introduced into the air inlet duct at the lower part of the unit by using an electrically operated air blower or by the natural circulation force. Air flows across the finned tube bank rising upward direction to make uniform air flow with perfect mixing across the tubes. The finned tube bundle is placed inside a well-insulated casing. The air heated at the tube bank region is collected at the top of the unit and then is discharged through the air stack above the unit. Although a blower supplies atmospheric cooling air into the FHX unit, a tall air stack of 30 m in height is also provided to secure natural draft head of natural circulation air flow against a loss of power supply. The structural analysis of a FHX are carried out and its structural integrity under the given service levels is evaluated per ASME Code rule. The design loads according to design condition and normal operating steady condition are classified and stresses calculated from stress analyses are linearized and summarized in their stress components.

  11. 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.

  12. 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.

  13. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  15. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

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

  16. 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.

  17. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

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

  18. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  19. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  20. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

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

    Science.gov (United States)

    2010-01-01

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

  2. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

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

    1986-01-01

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

  3. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  4. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

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

  5. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

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

  6. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  7. 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.

  8. 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.

  9. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

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

  10. Development of producing equipment of mixed butane-air with low dew point. Energy saving dewatering apparatus and 6A-Gas producing apparatus utilizing vaporization latent heat of butane and potential heat of air

    Energy Technology Data Exchange (ETDEWEB)

    Komine, Jin; Okada, Hiroto; Taniue, Nobuo; Tanoue, Keiju; Yamada, Tatsuhiko; Maekawa, Hisami; Murakami, Keiji

    1988-02-10

    A producing equipment of mixed butane-air with low dew point was developed. The dewatering was made during the period from the middle of May to the middle of October with high atmospheric humidity. The production capacity of the mixed gas is 3000 Nm/sup 3/ of 22% of butane and 78% of air per hour. The designed dew point is 18/sup 0/C or less under the pressure of 0.7 kg/cm/sup 2/G. The saturation temperature is 7.5/sup 0/C after the liquid butane is evacuated by a regulating valve. The air introduced into the dehumidifier through finned tubes is cooled to dewater based on those data. The partially vaporized butane is completely gasified by hot water in a vaporizer and mixed with the dewatered air by a venture mixer to produce the mixed butane-air. When the dewatering is incomplete, the spray nozzle must be just exchanged. The dew point of the produced gas was sufficiently below the designed value. The investment cost is low. The total operating cost is reduced by the remarkably decreased fuel cost though the power cost is increased. The noise level is low and the heat control is easy. (11 figs, 4 tabs, 1 photo)

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

    African Journals Online (AJOL)

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

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

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

    African Journals Online (AJOL)

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

  14. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  15. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  16. American Association of Tissue Banks

    Science.gov (United States)

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

  17. 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...

  18. Heat transfer enhancement in cross-flow heat exchanger using vortex generator

    International Nuclear Information System (INIS)

    Yoo, S. Y.; Kwon, H. K.; Kim, B. C.; Park, D. S.; Lee, S. S.

    2003-01-01

    Fouling is very serious problem in heat exchanger because it rapidly deteriorates the performance of heat exchanger. Cross-flow heat exchanger with vortex generators is developed, which enhance heat transfer and reduce fouling. In the present heat exchanger, shell and baffle are removed from the conventional shell-and-tube heat exchanger. The naphthalene sublimation technique is employed to measure the local heat transfer coefficients. The experiments are performed for single circular tube, staggered array tube bank and in-line array tube bank with and without vortex generators. Local and average Nusselt numbers of single tube and tube bank with vortex generator are investigated and compared to those of without vortex generator

  19. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  20. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  1. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  2. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

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

  3. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  4. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

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

  5. The efficiency of bank branches

    OpenAIRE

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

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

  6. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    2013-01-01

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

  7. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

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

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  16. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The

  17. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  18. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  19. Preliminary Mechanical Design of FHX for PGSFR

    Energy Technology Data Exchange (ETDEWEB)

    Choo, Jinyup; Koo, G. H.; Kim, S. K. [Korea Atomic Energy Research Institute, Daejeon (Korea, Republic of)

    2014-05-15

    In this paper, more specific data from analysis and mechanical method of approach to design will be addressed. Especially, frame of tube bundle and housing of FHX. Heretofore, it is concept design by mechanical basic knowledge and research of various structures that are activating in realities. Especially, to reduce thermal stress, we have planning to attach insulations inside the housing. In as much as FHX is as important on SFR as the other part, hereafter, we will develop FEM to check feasibility of the FHX's housing design in order to perform static and thermal analysis as well as bucking, seismic and so on. The Forced-draft sodium-to-air Heat Exchanger system (FHX) (employed in the Active Decay Heat Removal System (ADHRS) is a shell-and-tube type counter-current flow heat exchanger with serpentine finned-tube arrangement. Liquid sodium flows over the finned tubes. The unit is placed above the reactor building and has function of dumping the system heat load into the final heat sink, i. e., the atmosphere. Heat is transmitted from the primary hot sodium pool into the ADHRS sodium loop via Decay Heat Exchanger (DHX), and a direct heat exchange occurs between the tube-side sodium and the shell-side air through the FHX sodium tube wall. Cold atmospheric air is introduced into the air inlet duct at the lower part of the unit by using an electrically driven air blower. Air flows across the finned tube bank rising upward direction to make uniform air flow with perfect mixing across the tubes. The finned tube bundle is placed inside a well-insulated casing. The air heated at the tube bank region is collected at the top of the unit and then is discharged through the air stack above the unit. Although a blower supplies atmospheric air into the FHX unit, a tall air stack is also provided to secure natural draft head of natural circulation air flow against a loss power supply. The stack also has rain protecting structures to prevent inflow of rain drops or undesired

  20. Improving district heating in Kiev

    International Nuclear Information System (INIS)

    Salminen, P.

    2000-01-01

    The district heating modernisation project currently under way in Kiev, the capital of the Ukraine, is the largest project of its type financed by the World Bank. The budget for the five-year project is some USD 250 million of which USD 200 million is financed by the World Bank loan. The target of the project is to improve the city's district heating system, which is owned and operated by Kyivenergo. Consultancy services for the Project Implementation Unit are being provided by Electrowatt-Ekono and financed by the Finnish government

  1. 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...

  2. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

    Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

  3. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

    ... RESOLUTION FUNDING CORPORATION § 996.2 Bank employees. Upon the request of the Directorate of the Resolution..., employees, or agents of the Banks are authorized to act for and on behalf of the Resolution Funding... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank employees. 996.2 Section 996.2 Banks and...

  4. Assessing and Reducing Miscellaneous Electric Loads (MELs) in Banks

    Energy Technology Data Exchange (ETDEWEB)

    Rauch, Emily M.

    2012-09-01

    Miscellaneous electric loads (MELs) are loads outside of a building's core functions of heating, ventilating, air conditioning, lighting, and water heating. MELs are a large percentage of total building energy loads. This report reviews methods for reducing MELs in Banks. Reducing MELs in a bank setting requires both local and corporate action. Corporate action centers on activities to prioritize and allocate the right resources to correct procurement and central control issues. Local action includes branch assessment or audits to identify specific loads and needs. The worksheet at the end of this guide can help with cataloging needed information and estimating savings potential. The following steps provide a guide to MEL reductions in Bank Branches. The general process has been adapted from a process developed for office buildings the National Renewable Energy Laboratory (NREL, 2011).

  5. 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

  6. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  7. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

    In a theoretical model of the Diamond-Dybvig style, in which deposit-taking banks and financial markets coexist, bank behavior is analyzed taking into account a positive ex-ante probability of a future financial crisis. We focus on the role of the interaction of market liquidity and banks' funding liquidity in the propagation of shocks in the financial system. Our findings suggest that in particular bank-dominated financial systems are prone to contagious bank runs due to asset price deterior...

  8. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  9. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  10. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  11. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  12. The European Central Bank

    OpenAIRE

    Binder, Michael; Wieland, Volker

    2006-01-01

    The establishment of the ECB and with it the launch of the euro has arguably been a unique endeavor in economic history, representing an important experiment in central banking. This note aims to summarize some of the main lessons learned from this experiment and sketch some of the prospects for the ECB. It is written for "The New Palgrave Dictionary of Economics", 2nd edition. JEL Classification: E52, E58

  13. En Ung bank

    OpenAIRE

    Lind, Maria Benedicte; Rice, Harrie Emily; Andersen, Lærke Maria; Elfort, Amanda Josefine; Pedersen, Sophie Espe; Sahibzada, Qamar Un Nisa

    2016-01-01

    The purpose of this project is to examine the campaign Øhhkonomi from Danske Bank. The project is based on examining which assumptions the campaign, and further actions surrounding the campaign, expresses about the audience. The campaign audience is specifically 18-27 years old and addresses problems regarding their personal finance skills and understanding thereof. Starting from a communication point of view, the project examines the campaign and the sender in itself. The purpose hereof is t...

  14. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  15. MULTIPERIOD BANKING SUPERVISION

    OpenAIRE

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

    This paper is based on a general method for multiperiod prudential supervision of companies submitted to hedgeable and non-hedgeable risks. Having treated the case of insurance in an earlier paper, we now consider a quantitative approach to supervision of commercial banks. The various elements under supervision are the bank’s current amount of tradeable assets, the deposit amount, and four flow processes: future trading risk exposures, deposit flows, flows of loan repayments and of deposit re...

  16. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of scalability and computational cost. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on a distribut...

  17. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...

  18. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

    Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  19. Integrated Marketing Communication to Enhance Active User of Internet Banking Service: Case Study Bank XYZ

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

    Internet banking is a form of self-service technology. In the global banking business, Internet banking has a big role for doing the business. In developing country, Internet banking received relatively little attention although has been deployed for years. Only 3% of customer Bank XYZ in Indonesia using Internet banking service actively, although has been 9 years Bank XYZ introduced Internet banking service. This study addressed what factor that drives and influences Internet banking accepta...

  20. Investigation on the ultrasonic propagation mechanism and its application on air-source heat pump defrosting

    International Nuclear Information System (INIS)

    Tan, Haihui; Xu, Guanghua; Tao, Tangfei; Zhang, Sicong; Luo, Ailing

    2016-01-01

    Highlights: • Optimal defrosting mode for finned-tube evaporator is S0 mode. • Stress excited by ultrasonic vibration is larger than ice adhesion stress 0.4 MPa. • Frequency matching can enhance the defrosting efficiency effectively. • Ultrasonic vibration can effectively suppressing the frost deposition. • Thermal comfort and heat transfer efficiency enhanced with ultrasonic vibration. - Abstract: Frosting deposited on the outdoor coil of air-source heat pump (ASHP) units deteriorates the operational performance and energy efficiency. Therefore, periodic defrosting is necessary. First, the dispersion curves for the propagation mechanism of an ultrasonic guided wave in the evaporator are determined through numerical calculation. In addition, the shear stress and vibration characteristics under ultrasonic excitation are analysed using finite element method (FEM). Finally, the vibration amplitude and defrosting performance of ultrasonic vibration is analysed. The numerical calculation results indicate that three guided wave modes exist in the evaporator, including both A0 and S0 modes of the Lamb wave and SH0 mode of the SH wave, with the optimal defrosting mode being S0 of the Lamb wave. The FEM results show that the vibrational shapes of S0 mode and longitudinal mode clearly exists in the fin and tube, the torsional and flexural modes also exist in the tube, and the FEM results are consistent with the numerical calculation results. The impedance analysis and laser vibrometer results indicate that the resonance frequency shifting, electro-acoustic converting efficiency and vibration energy decrease is due to increasing external load. The ultrasonic defrosting experimental results indicate that ultrasonic vibration can suppress frost deposit on the fin surface.

  1. 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.

  2. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

    Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

  3. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

    Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

  4. 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.

  5. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

    Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

  6. 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.

  7. Banking towards development: Evidence from the Spanish banking expansion plan

    OpenAIRE

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

    During the period 1965-1987 Spain was an emerging market in full transition from developing to developed status. During the same period the Spanish banking system underwent an unprecedented episode of expansion growing from 5,000 to over 30,000 bank branches. We examine whether the latter process partly caused the former by focusing on the relationship between branch expansion and entrepreneurship in the wholesale and retail trade industries. To address the non-random allocation of bank branc...

  8. BLC Bank - Lebanon : Leading in Banking on Women

    OpenAIRE

    International Finance Corporation

    2016-01-01

    The overall objective of this study is to learn about the impact of International Finance Corporation’s (IFC) Banking on Women (BoW) Program in the Europe and Central Asia and the Middle East and North Africa (EMENA) through BLC Bank of Lebanon. The objective of this specific case study is to understand the success of the BoW program for BLC Bank in Lebanon in terms of the program’s contri...

  9. A review on the thermal hydraulic characteristics of the air-cooled ...

    Indian Academy of Sciences (India)

    drop characteristics of the plate- finned-tube heat exchangers. ... It is well known that the temperature distribution on the fin surface is not ... The system ...... voltage. The maximum heat transfer was obtained for a. Reynolds number of 100 at.

  10. 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...

  11. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

    Sharia bank now has popularity among the people of Indonesia. Sharia bankbased on present Islamic economic principles. Sharia Bank has a big role increaseworld banking in Indonesia. Attentive Indonesia society majority is Moslem, soSharia Banking in the future has good prospect with increase knowledge aboutawareness to use banking produc and information with experience society aboutbenefit sharia banking. This study aimed to know knowledge and attitude society forsharia banking and to know kn...

  12. E-Banking: Risk Management Practices of the Estonian Banks

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

    During the last years the development of e-banking in Estonia has been very significant. According to the report of the World Economic Forum, the Estonian IT-development has been substantial. The success of e-banking in Estonia can be compared to the corresponding success of the Nordic countries. According to the Deutsche Bank Research, around 70-80% of the Internet users in Estonia use Internet banking and in this respect, Estonia could be compared to Finland, Norway and Iceland. Despite of ...

  13. Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

    This study aims to examine the factors that influence a person to withdraw all or part of the money from the bank in liquidation of large banks case in Indonesia. This study uses the theory of Lewin to uncover factors that may influence a person to withdraw part or all of the money from the bank if there is a big bank liquidation. Based on Lewin's theory, there are two factors that can influence a person's decision, namely internal factors and external factors. Internal factors in this study ...

  14. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  15. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

    It is known that sunspots can trigger panic-based bank runs and that the optimal banking contract can tolerate panic-based runs. The existing literature assumes that these sunspots are based on a publicly observed extrinsic randomizing device. In this paper, I extend the analysis of panic-based runs to include an asymmetric-information, extrinsic randomizing device. Depositors observe different, but correlated, signals on the stability of the bank. I find that if the signals that depositors o...

  6. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  7. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  8. Bank Share Prices and Profitability

    OpenAIRE

    Daniel Daugaard; Tom Valentine

    1993-01-01

    This paper considers the influence of economic conditions and financial markets on Australian bank share prices and profitability. It uses time series analysis to obtain an indication of the effectiveness of banks in managing their exposure to interest rates and exchange rates. The results give rise to some comments on the extent to which banks actively manage their exposure to financial and economic variables. The discussion of risk management activities necessarily raises the question of ho...

  9. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

    Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to

  10. Big Data and central banks

    OpenAIRE

    David Bholat

    2015-01-01

    This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  11. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

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

  12. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

  13. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

  14. Fractional Reserve Banking

    OpenAIRE

    Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

    2012-01-01

    Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

  15. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

    Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

  16. Image data bank

    International Nuclear Information System (INIS)

    Bacigalupo, J.; Guillen, G.; Gerez, J.

    1998-01-01

    A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

  17. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

    Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

  18. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

    Full Text Available The integration of different states in a already existing union or in a new one represents a long-lasting process involving harmonisations on various fields – political, economic, legislative, social, cultural, technological, informational, etc. Besides the integration of the states and of the different authorities in a common mechanist, the business organizations also have to comply with certain standards and to align to certain procedures. The banking system is not an exception being probably one of the pillars of the economic and financial integration of a state in a union. Banking integration may be considered the process leading to a convergence towards a single market for all products, processes, procedures, standards, transactions from the banking field. All sets of standards, mechanisms and procedures should be observed both by banks, regulation and control bodies, but also by customers. Only in this way one can create the premises for the most favourable banking transactions. The integration of the banking system in a union is determined, conditioned and influenced by a series of factors. Based on the data published by the Bank for International Settlements, the authors carry out a close and pertinent empirical analysis of the banking assets flows between the Eurozone countries in the period 2000-2014. The paper also deals with the commitments that the recent economic-financial crisis created on the banking assets flows. The authors resort to regression equations in order to demonstrate the connection between the effects of banking integration and various factors involved (the relative dimension of the country, the significance of the banks in the financial system, the Herfindhal index, the degree of concentration or dispersion of the property on banks, the degree of independence, the tradition of law. In order to measure the level of banking integration of the national bank systems, the indices we used are the degree of openness

  19. Heat pumps: heat recovery

    Energy Technology Data Exchange (ETDEWEB)

    Pielke, R

    1976-01-01

    The author firstly explains in a general manner the functioning of the heat pump. Following a brief look at the future heat demand and the possibilities of covering it, the various methods of obtaining energy (making use of solar energy, ground heat, and others) and the practical applications (office heating, swimming pool heating etc.) are explained. The author still sees considerable difficulties in using the heat pump at present on a large scale. Firstly there is not enough maintenance personnel available, secondly the electricity supply undertakings cannot provide the necessary electricity on a wide basis without considerable investments. Other possibilities to save energy or to use waste energy are at present easier and more economical to realize. Recuperative and regenerative systems are described.

  20. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

    Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  1. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  2. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...

  3. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  4. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive emission...

  5. Using Banks: Teaching Banking Skills to Low-Income Consumers.

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

  6. Universal banking and the Nigerian banking sector | Osamwonyi ...

    African Journals Online (AJOL)

    In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...

  7. Analisis Perbandingan Kinerja pada Bank Nasional dan Bank Asing dengan Menggunakan Analisis Rasio Keuangan

    OpenAIRE

    Angel, Christania Graciella; Pusung, Rudy

    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...

  8. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  9. Elements of banking intermediation in the Algerian Banking system and the means to activate it

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

    Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.

  10. Performance analysis of a small regenerative gas turbine system adopting steam injection and side-wall in finned tube evaporator

    International Nuclear Information System (INIS)

    Kang, Soo Young; Lee, Jong Jun; Kim, Tong Seop

    2009-01-01

    Small gas turbines in power range of several MWs are quite suitable for application in distributed generation as well as Community Energy Systems (CES). Humidification is an effective way to improve gas turbine performance, and steam injection is the most general and practically feasible method. This study intended to examine the effect of steam injection on the performance of several MW class gas turbines. A primary concern is given to the regenerative cycle gas turbine. The steam injection effect on the performance of a system without the regenerator (i.e. a simple cycle) is also examined. In addition, the influence of bypass of some of the exhaust gas on the performance of the gas turbine, especially the regenerative cycle gas turbine, is evaluated.

  11. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management

  12. Regulating and Combating Underground Banking

    NARCIS (Netherlands)

    Borgers, M.J.

    2009-01-01

    In combating and regulating underground banking, a choice can be made of roughly two models, the risk model and the assimilation model. The risk model comes down to a complete prohibition of underground banking combined with an active investigation and prosecution policy. In the assimilation model,

  13. Size, productivity, and international banking

    NARCIS (Netherlands)

    Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  14. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R.K.; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data

  15. Banking competition, risk and regulation

    NARCIS (Netherlands)

    Bolt, Wilko; Tieman, Alexander F.

    2004-01-01

    In a dynamic framework, commercial banks compete for customers by setting acceptance criteria for granting loans, while taking into account regulatory requirements. By easing its acceptance criteria a bank faces a trade-off between attracting more demand for loans, thus making higher per-period

  16. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’

  17. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

    H.J. de Vries (Henk); G.W.J. Hendrikse (George)

    2001-01-01

    textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not

  18. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    Sprott, J.C.; Lovell, T.W.

    1982-06-01

    Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

  19. Bank credit and business financing

    NARCIS (Netherlands)

    Morales Arenas, Diana

    2018-01-01

    This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth

  20. Intervention in systemic banking crises

    NARCIS (Netherlands)

    Homar, T.

    2016-01-01

    Systemic banking crises often continue into recessions with large output losses. Governments and central banks intervene to preserve the key functions of the financial system and to mitigate the adverse impact of financial distress on economic growth. This thesis investigates how effective

  1. Liquidity coinsurance and bank capital

    NARCIS (Netherlands)

    Castiglionesi, F.; Feriozzi, F.; Lóránth, G.; Pelizzon, L.

    Banks can deal with their liquidity risk by holding liquid assets (self-insurance), by participating in interbank markets (coinsurance), or by using flexible financing instruments, such as bank capital (risk sharing). We use a simple model to show that undiversifiable liquidity risk, that is, the

  2. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters

  3. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  4. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

    ... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... voting shares of Northview Bank, Sandstone, Minnesota, and First Independent Bank, Russell, Minnesota...

  5. Heat pipe heat storage performance

    Energy Technology Data Exchange (ETDEWEB)

    Caruso, A; Pasquetti, R [Univ. de Provence, Marseille (FR). Inst. Universitaire des Systemes; Grakovich, L P; Vasiliev, L L [A.V. Luikov Heat and Mass Transfer Inst. of the BSSR, Academy of Sciences, Minsk (BY)

    1989-01-01

    Heat storage offers essential thermal energy saving for heating. A ground heat store equipped with heat pipes connecting it with a heat source and to the user is considered in this paper. It has been shown that such a heat exchanging system along with a batch energy source meets, to a considerable extent, house heating requirements. (author).

  6. Predicting retail banking customers' attitude towards Internet ...

    African Journals Online (AJOL)

    chestt

    at increasing the adoption of Internet banking use among retail banking .... customers to access and perform financial transactions on their bank account from ..... customers barely agree with the statements that measured this construct.

  7. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, join...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution.......The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...

  8. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

    Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.

  9. 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

  10. 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...

  11. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  12. Credit Risk Management in Chinese Banking Industry

    OpenAIRE

    Zhang, Lei

    2006-01-01

    Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

  13. Penerapan Business Continuity Pada Bank Central Asia

    OpenAIRE

    Chandra, Keefe Darius

    2017-01-01

    Banks are financial institutions that have a major impact on the economic system and can affect people's lives. Hence, regulators concerned in organizing business continuity of the banking industries. PT. Bank Central Asia, Tbk. (BCA) represents businesses in the banking sector that can not escape from the natural and man threats which can interfere the bank's business. This case study presents a glimpse of how the business continuity run in BCA. Moreover, business continuity in banking can n...

  14. Growth of Non-bank Trade Finance

    OpenAIRE

    Satinder Bhatia

    2017-01-01

    The rise of non-bank trade finance has been especially noticeable in the last decade. Many commodity and e-commerce companies are rapidly entering this arena as sovereign guarantees and collaterals take a backseat making it harder for banks to apply traditional models while lending to businesses. Non-banks which are more nimble occupy space vacated by banks. Increasingly, though, banks have begun to collaborate with non-banks, particularly fintech companies for rapid processi...

  15. Heat transfer

    Indian Academy of Sciences (India)

    First page Back Continue Last page Overview Graphics. Heat transfer. Heat conduction in solid slab. Convective heat transfer. Non-linear temperature. variation due to flow. HEAT FLUX AT SURFACE. conduction/diffusion.

  16. Heat Waves

    Science.gov (United States)

    Heat Waves Dangers we face during periods of very high temperatures include: Heat cramps: These are muscular pains and spasms due ... that the body is having trouble with the heat. If a heat wave is predicted or happening… - ...

  17. Heat Islands

    Science.gov (United States)

    EPA's Heat Island Effect Site provides information on heat islands, their impacts, mitigation strategies, related research, a directory of heat island reduction initiatives in U.S. communities, and EPA's Heat Island Reduction Program.

  18. [The National Serum Bank].

    Science.gov (United States)

    Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R

    1992-01-01

    A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.

  19. Security of Electronic Banking

    OpenAIRE

    Pařil, Jan

    2015-01-01

    Hlavním zaměřením diplomové práce je elektronické bankovnictví a jeho bezpečnost. Práce obsahuje zhodnocení současného stavu zabezpečení elektronického bankovnictví, možné hrozby napadení elektronického bankovnictví a rizika prolomení zabezpečení. Další část vyhodnocuje dotazník, který zjišťoval spokojenost uživatelů s bezpečností elektronického bankovnictví. Jsou doporučeny nové formy zabezpečení. The main focus of the thesis is an electronic banking and security. The work includes evalua...

  20. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

    Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

  1. Bank Stability and Competition: Evidence from Albanian Banking Market

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

    Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.

  2. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

    Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.

  3. Organizational Support for Workers' Recuperation in Nigerian Banks ...

    African Journals Online (AJOL)

    This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...

  4. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...

  5. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

  6. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

    Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

  7. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

    Full Text Available As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sample includes significant part of Czech and Slovak banking sector (not only by the number of banks, but also by their share on total banking assets. We have calculated five different liquidity ratios for each bank in the sample. The results showed that liquidity of Czech banks has declined during last ten years. On the contrary, liquidity of Slovak banks fluctuated only slightly during the period 2001–2008. Bank liquidity has fallen due to the financial crisis in both countries; the impact is worse for Slovak banks. Both Czech and Slovak banks have become less liquid also as a result of increase in lending activity. Czech and Slovak banks have the same strategies how to insure against liquidity crises: big banks rely on the interbank market or on a liquidity assistance of the Lender of Last Resort, small and medium sized banks hold buffer of liquid assets.

  8. Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

    OpenAIRE

    Uddin, Md Akther

    2015-01-01

    Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

  9. 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...

  10. The End of Bank Secrecy?

    DEFF Research Database (Denmark)

    Johannesen, Niels; Zucman, Gabriel

    2014-01-01

    the treaties affected bank deposits in tax havens. Rather than repatriating funds, our results suggest that tax evaders shifted deposits to havens not covered by a treaty with their home country. The crackdown thus caused a relocation of deposits at the benefit of the least compliant havens. We discuss......During the financial crisis, G20 countries compelled tax havens to sign bilateral treaties providing for exchange of bank information. Policymakers have celebrated this global initiative as the end of bank secrecy. Exploiting a unique panel dataset, our study is the first attempt to assess how...

  11. Capital Requirements and Banks' Leniency

    DEFF Research Database (Denmark)

    Dietrich, J. Kimball; Wihlborg, Clas

    2003-01-01

    We investigate the effect of changes in capital regulation on the strictness(leniency) of loan terms using a simple model of bank capital requirements andasset quality examinations. Banks offer different levels of `leniency' in the senseof willingness to offer automatic extensions of loans...... rates. As capital requirements increase thedifference between initial capital levels and between interest rates of strict andlenient banks decrease. Thus, higher capital requirements in recessions tend toreduce the interest rate premium paid for leniency. If a recession is interpreted asan increase...... in the required return, the interest rate premium paid for leniency isincreased in recession at a given level of required capital....

  12. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

    We consider a two-period model of a banking system to explore the effects of competition on the stability and efficiency of economic activity. In the model, competing banks lend to entrepreneurs. After entrepreneurs receive the loans for their projects, there is a probability of a shock. The shock implies that a fraction of firms will default and be unable to pay back their loans. This will require banks to use their capital and reserves to pay back depositors, restricting restrict second per...

  13. Big Data and central banks

    Directory of Open Access Journals (Sweden)

    David Bholat

    2015-04-01

    Full Text Available This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  14. The capital structure of banks and practice of bank restructuring

    OpenAIRE

    Dübel, Achim

    2013-01-01

    This study presents an empirical analysis of capital and liability management in eight cases of bank restructurings and resolutions from eight different European countries. It can be read as a companion piece to an earlier study by the author covering the specific bank restructuring programs of Greece, Spain and Cyprus during 2012/13. The study portrays for each case the timelines between the initial credit event and the (last) restructuring. It proceeds to discuss the capital and liability m...

  15. Banking Crises and Bank Resolution; Experiences in Some Transition Economies

    OpenAIRE

    International Monetary Fund

    2002-01-01

    Like most transition economies, Bulgaria, Lithuania, and Mongolia suffered severe banking crises, which had to be resolved before growth could resume. The macroeconomic and institutional failings that led to these crises are described, and parallels are drawn with the causes of banking crises in industrial and developing countries. Resolving the crises proved technically and politically difficult, and setbacks occurred. Successful resolution required the implementation of a comprehensive and ...

  16. Heat exchangers

    Energy Technology Data Exchange (ETDEWEB)

    Schmidt, E L; Eisenmann, G; Hahne, E [Stuttgart Univ. (TH) (F.R. Germany). Inst. fuer Thermodynamik und Waermetechnik

    1976-04-01

    A survey is presented on publications on design, heat transfer, form factors, free convection, evaporation processes, cooling towers, condensation, annular gap, cross-flowed cylinders, axial flow through a bundle of tubes, roughnesses, convective heat transfer, loss of pressure, radiative heat transfer, finned surfaces, spiral heat exchangers, curved pipes, regeneraters, heat pipes, heat carriers, scaling, heat recovery systems, materials selection, strength calculation, control, instabilities, automation of circuits, operational problems and optimization.

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

    Directory of Open Access Journals (Sweden)

    Yaser Taufik Syamlan

    2017-06-01

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

  18. Engaging the banks: financing small-scale renewables in the developing world

    International Nuclear Information System (INIS)

    Usher, E.; Touhami, M.

    2006-01-01

    This article reports on the UN Environment Programme's (UNEP's) work in supporting the banking and financing sector by creating clean energy finance markets in developing countries. Details are given of the shifting of cash markets to credit, financing solar home systems in India, solar thermal lending in Tunisia, the financing of hotel based solar water heating in Morocco, and the Green Village Credit initiatives in the Yunnan province of China. The importance of providing banks with information needed to gain awareness and experience of renewable energy systems is stressed. The fundamentals of a bank engagement programme, financial catalysts, structuring market oriented approaches, and linking bank lending to policy making are discussed along with the need to shift to credit enhancements to help banks set up their first loan portfolios

  19. Engaging the banks: financing small-scale renewables in the developing world

    Energy Technology Data Exchange (ETDEWEB)

    Usher, E.; Touhami, M.

    2006-05-15

    This article reports on the UN Environment Programme's (UNEP's) work in supporting the banking and financing sector by creating clean energy finance markets in developing countries. Details are given of the shifting of cash markets to credit, financing solar home systems in India, solar thermal lending in Tunisia, the financing of hotel based solar water heating in Morocco, and the Green Village Credit initiatives in the Yunnan province of China. The importance of providing banks with information needed to gain awareness and experience of renewable energy systems is stressed. The fundamentals of a bank engagement programme, financial catalysts, structuring market oriented approaches, and linking bank lending to policy making are discussed along with the need to shift to credit enhancements to help banks set up their first loan portfolios.

  20. Fulltext PDF

    Indian Academy of Sciences (India)

    Flow and oscillations in collapsible tubes: ... (ANFIS) based on single channel abdominal ... Computational heat transfer analysis and ... Micro-analytical studies on sugar cane ... performance of a building roof with a phase ..... Finned-tubes.