Lifted linear phase filter banks and the polyphase-with-advance representation

Energy Technology Data Exchange (ETDEWEB)

Brislawn, C. M. (Christopher M.); Wohlberg, B. E. (Brendt E.)

2004-01-01

A matrix theory is developed for the noncausal polyphase-with-advance representation that underlies the theory of lifted perfect reconstruction filter banks and wavelet transforms as developed by Sweldens and Daubechies. This theory provides the fundamental lifting methodology employed in the ISO/IEC JPEG-2000 still image coding standard, which the authors helped to develop. Lifting structures for polyphase-with-advance filter banks are depicted in Figure 1. In the analysis bank of Figure 1(a), the first lifting step updates x{sub 0} with a filtered version of x{sub 1} and the second step updates x{sub 1} with a filtered version of x{sub 0}; gain factors 1/K and K normalize the lowpass- and highpass-filtered output subbands. Each of these steps is inverted by the corresponding operations in the synthesis bank shown in Figure 1(b). Lifting steps correspond to upper- or lower-triangular matrices, S{sub i}(z), in a cascade-form decomposition of the polyphase analysis matrix, H{sub a}(z). Lifting structures can also be implemented reversibly (i.e., losslessly in fixed-precision arithmetic) by rounding the lifting updates to integer values. Our treatment of the polyphase-with-advance representation develops an extensive matrix algebra framework that goes far beyond the results of. Specifically, we focus on analyzing and implementing linear phase two-channel filter banks via linear phase lifting cascade schemes. Whole-sample symmetric (WS) and half-sample symmetric (HS) linear phase filter banks are characterized completely in terms of the polyphase-with-advance representation. The theory benefits significantly from a number of new group-theoretic structures arising in the polyphase-with-advance matrix algebra from the lifting factorization of linear phase filter banks.

Fusion of multispectral and panchromatic images using multirate filter banks

Institute of Scientific and Technical Information of China (English)

Wang Hong; Jing Zhongliang; Li Jianxun

2005-01-01

In this paper, an image fusion method based on the filter banks is proposed for merging a high-resolution panchromatic image and a low-resolution multispectral image. Firstly, the filter banks are designed to merge different signals with minimum distortion by using cosine modulation. Then, the filter banks-based image fusion is adopted to obtain a high-resolution multispectral image that combines the spectral characteristic of low-resolution data with the spatial resolution of the panchromatic image. Finally, two different experiments and corresponding performance analysis are presented. Experimental results indicate that the proposed approach outperforms the HIS transform, discrete wavelet transform and discrete wavelet frame.

Non-uniform cosine modulated filter banks using meta-heuristic algorithms in CSD space

Directory of Open Access Journals (Sweden)

Shaeen Kalathil

2015-11-01

Full Text Available This paper presents an efficient design of non-uniform cosine modulated filter banks (CMFB using canonic signed digit (CSD coefficients. CMFB has got an easy and efficient design approach. Non-uniform decomposition can be easily obtained by merging the appropriate filters of a uniform filter bank. Only the prototype filter needs to be designed and optimized. In this paper, the prototype filter is designed using window method, weighted Chebyshev approximation and weighted constrained least square approximation. The coefficients are quantized into CSD, using a look-up-table. The finite precision CSD rounding, deteriorates the filter bank performances. The performances of the filter bank are improved using suitably modified meta-heuristic algorithms. The different meta-heuristic algorithms which are modified and used in this paper are Artificial Bee Colony algorithm, Gravitational Search algorithm, Harmony Search algorithm and Genetic algorithm and they result in filter banks with less implementation complexity, power consumption and area requirements when compared with those of the conventional continuous coefficient non-uniform CMFB.

Iris image recognition wavelet filter-banks based iris feature extraction schemes

CERN Document Server

Rahulkar, Amol D

2014-01-01

This book provides the new results in wavelet filter banks based feature extraction, and the classifier in the field of iris image recognition. It provides the broad treatment on the design of separable, non-separable wavelets filter banks, and the classifier. The design techniques presented in the book are applied on iris image analysis for person authentication. This book also brings together the three strands of research (wavelets, iris image analysis, and classifier). It compares the performance of the presented techniques with state-of-the-art available schemes. This book contains the compilation of basic material on the design of wavelets that avoids reading many different books. Therefore, it provide an easier path for the new-comers, researchers to master the contents. In addition, the designed filter banks and classifier can also be effectively used than existing filter-banks in many signal processing applications like pattern classification, data-compression, watermarking, denoising etc.  that will...

On robust signal reconstruction in noisy filter banks

CERN Document Server

Vikalo, H; Hassibi, B; Kailath, T; 10.1016/j.sigpro.2004.08.011

2005-01-01

We study the design of synthesis filters in noisy filter bank systems using an H/sup infinity / estimation point of view. The H/sup infinity / approach is most promising in situations where the statistical properties of the disturbances (arising from quantization, compression, etc.) in each subband of the filter bank is unknown, or is too difficult to model and analyze. For the important special case of unitary analysis polyphase matrices we obtain an explicit expression for the minimum achievable disturbance attenuation. For arbitrary analysis polyphase matrices, standard state-space H/sup infinity / techniques can be employed to obtain numerical solutions. When the synthesis filters are restricted to being FIR, as is often the case in practice, the design can be cast as a finite-dimensional semi-definite program. In this case, we can effectively exploit the inherent non-uniqueness of the H/sup infinity / solution to optimize for an additional criteria. By optimizing for average performance in addition to th...

High-Selectivity Filter Banks for Spectral Analysis of Music Signals

Directory of Open Access Journals (Sweden)

Luiz W. P. Biscainho

2007-01-01

Full Text Available This paper approaches, under a unified framework, several algorithms for the spectral analysis of musical signals. Such algorithms include the fast Fourier transform (FFT, the fast filter bank (FFB, the constant-Q transform (CQT, and the bounded-Q transform (BQT, previously known from the associated literature. Two new methods are then introduced, namely, the constant-Q fast filter bank (CQFFB and the bounded-Q fast filter bank (BQFFB, combining the positive characteristics of the previously mentioned algorithms. The provided analyses indicate that the proposed BQFFB achieves an excellent compromise between the reduced computational effort of the FFT, the high selectivity of each output channel of the FFB, and the efficient distribution of frequency channels associated to the CQT and BQT methods. Examples are included to illustrate the performances of these methods in the spectral analysis of music signals.

Bank filtered water quality characteristics in Okgog-Ri area of Youngsan-River, Korea

Energy Technology Data Exchange (ETDEWEB)

Park, Hee-Youl; Kim, Hyoung-Soo [Korea Water Resources Corp., Taejeon(Korea)

2001-02-28

Preliminary artificial recharge groundwater intake method using bank filtering had been conducted in Okgog-Ri of Youngsan-River to evaluate the possibility of substitution of surface water intake method in the area. In order to investigate the characteristics of bank filtered groundwater, we examined the hydrogeological properties of alluvium and water quality of stream and groundwater. It is observed that nitrate in stream water from synthetic fertilizer and poultry manure is almost consumed during bank filtering in this area. This implies that denitrification of organic carbon and the oxidation of pyrite present in the alluvium aquifer. Groundwater samples from bank filtering show high Mn concentration. This high Mn concentration may be resulted from decreasing redox potential due to denitrification and increasing mobility due to redox reaction of Mn-oxide. In the study area, there is a typical tendency that Al concentrations of water samples decrease according to increasing pH. This tendency is interpreted as forming of amorphous Al(OH){sub 3} precipitates by reducing the Al{sup 3+} solubilities. It is revealed that the bank filtered groundwater in the area is not edible because color, turbidity, heterotrophic bacteria, coliform and Mn of the groundwater exceed the guideline of drinking water. Even though the bank filtered groundwater without treatment does not satisfy the guideline of drinking water, the groundwater shows a good water quality compared with stream water. So, the water treatment method using bank filtered groundwater can be more economical and efficient than the treatment using direct intake of stream water in the aspect of water quality. (author). 15 refs., 2 tabs., 7 figs.

Elaborate analysis and design of filter-bank-based sensing for wideband cognitive radios

Science.gov (United States)

Maliatsos, Konstantinos; Adamis, Athanasios; Kanatas, Athanasios G.

2014-12-01

The successful operation of a cognitive radio system strongly depends on its ability to sense the radio environment. With the use of spectrum sensing algorithms, the cognitive radio is required to detect co-existing licensed primary transmissions and to protect them from interference. This paper focuses on filter-bank-based sensing and provides a solid theoretical background for the design of these detectors. Optimum detectors based on the Neyman-Pearson theorem are developed for uniform discrete Fourier transform (DFT) and modified DFT filter banks with root-Nyquist filters. The proposed sensing framework does not require frequency alignment between the filter bank of the sensor and the primary signal. Each wideband primary channel is spanned and monitored by several sensor subchannels that analyse it in narrowband signals. Filter-bank-based sensing is proved to be robust and efficient under coloured noise. Moreover, the performance of the weighted energy detector as a sensing technique is evaluated. Finally, based on the Locally Most Powerful and the Generalized Likelihood Ratio test, real-world sensing algorithms that do not require a priori knowledge are proposed and tested.

Design of quadrature mirror filter bank using Lagrange multiplier method based on fractional derivative constraints

Directory of Open Access Journals (Sweden)

B. Kuldeep

2015-06-01

Full Text Available Fractional calculus has recently been identified as a very important mathematical tool in the field of signal processing. Digital filters designed by fractional derivatives give more accurate frequency response in the prescribed frequency region. Digital filters are most important part of multi-rate filter bank systems. In this paper, an improved method based on fractional derivative constraints is presented for the design of two-channel quadrature mirror filter (QMF bank. The design problem is formulated as minimization of L2 error of filter bank transfer function in passband, stopband interval and at quadrature frequency, and then Lagrange multiplier method with fractional derivative constraints is applied to solve it. The proposed method is then successfully applied for the design of two-channel QMF bank with higher order filter taps. Performance of the QMF bank design is then examined through study of various parameters such as passband error, stopband error, transition band error, peak reconstruction error (PRE, stopband attenuation (As. It is found that, the good design can be obtained with the change of number and value of fractional derivative constraint coefficients.

Design of low complexity sharp MDFT filter banks with perfect reconstruction using hybrid harmony-gravitational search algorithm

Directory of Open Access Journals (Sweden)

V. Sakthivel

2015-12-01

Full Text Available The design of low complexity sharp transition width Modified Discrete Fourier Transform (MDFT filter bank with perfect reconstruction (PR is proposed in this work. The current trends in technology require high data rates and speedy processing along with reduced power consumption, implementation complexity and chip area. Filters with sharp transition width are required for various applications in wireless communication. Frequency response masking (FRM technique is used to reduce the implementation complexity of sharp MDFT filter banks with PR. Further, to reduce the implementation complexity, the continuous coefficients of the filters in the MDFT filter banks are represented in discrete space using canonic signed digit (CSD. The multipliers in the filters are replaced by shifters and adders. The number of non-zero bits is reduced in the conversion process to minimize the number of adders and shifters required for the filter implementation. Hence the performances of the MDFT filter bank with PR may degrade. In this work, the performances of the MDFT filter banks with PR are improved using a hybrid Harmony-Gravitational search algorithm.

An optimized cosine-modulated nonuniform filter bank design for subband coding of ECG signal

Directory of Open Access Journals (Sweden)

A. Kumar

2015-07-01

Full Text Available A simple iterative technique for the design of nonuniform cosine modulated filter banks (CMFBS is presented in this paper. The proposed technique employs a single parameter for optimization. The nonuniform cosine modulated filter banks are derived by merging the adjacent filters of uniform cosine modulated filter banks. The prototype filter is designed with the aid of different adjustable window functions such as Kaiser, Cosh and Exponential, and by using the constrained equiripple finite impulse response (FIR digital filter design technique. In this method, either cut off frequency or passband edge frequency is varied in order to adjust the filter coefficients so that reconstruction error could be optimized/minimized to zero. Performance and effectiveness of the proposed method in terms of peak reconstruction error (PRE, aliasing distortion (AD, computational (CPU time, and number of iteration (NOI have been shown through the numerical examples and comparative studies. Finally, the technique is exploited for the subband coding of electrocardiogram (ECG and speech signals.

Polyphase Filter Banks for Embedded Sample Rate Changes in Digital Radio Front-Ends

DEFF Research Database (Denmark)

Awan, Mehmood-Ur-Rehman; Le Moullec, Yannick; Koch, Peter

2011-01-01

. A non-maximally-decimated polyphase filter bank (where the number of data loads is not equal to the number of M subfilters) processes M subfilters in a time period that is less than or greater than the M data loads. A polyphase filter bank with five different resampling modes is used as a case study...

Rational, emotional and spiritual marketing strategies in Shariah banking in Medan, Indonesia

OpenAIRE

Endang Sulistya Rini; Yeni Absah

2017-01-01

This study was aimed to discover the direct influences of rational, emotional, and spiritual marketing on satisfaction, trust, and loyalty of Shariah banking customers in Medan. This study was an associative research, which is a research connecting two variables or more to see the influence of one variable on another. This study was conducted by means of an exploratory approach. The population in this study was Shariah Banking customers in Medan. Total sample was 200 customers from 64 branche...

Filter Bank Approach to the Estimation of Flexible Modes in Dynamic Systems

National Research Council Canada - National Science Library

Tzellos, Konstantinos

2007-01-01

.... In this thesis the problem of identifying frequencies of disturbances in flexible systems using advanced Digital Signal Processing techniques such as filter banks and Quadrature Mirror Filters is addressed...

Analysis and Design of Offset QPSK Using Redundant Filter Banks

International Nuclear Information System (INIS)

Fernandez-Vazquez, Alfonso; Jovanovic-Dolecek, Gordana

2013-01-01

This paper considers the analysis and design of OQPSK digital modulation. We first establish the discrete time formulation, which allows us to find the equivalent redundant filter banks. It is well known that redundant filter banks are related with redundant transformation of the Frame theory. According to the Frame theory, the redundant transformations and corresponding representations are not unique. In this way, we show that the solution to the pulse shaping problem is not unique. Then we use this property to minimize the effect of the channel noise in the reconstructed symbol stream. We evaluate the performance of the digital communication using numerical examples.

On the application of optimal wavelet filter banks for ECG signal classification

International Nuclear Information System (INIS)

Hadjiloucas, S; Jannah, N; Hwang, F; Galvão, R K H

2014-01-01

This paper discusses ECG signal classification after parametrizing the ECG waveforms in the wavelet domain. Signal decomposition using perfect reconstruction quadrature mirror filter banks can provide a very parsimonious representation of ECG signals. In the current work, the filter parameters are adjusted by a numerical optimization algorithm in order to minimize a cost function associated to the filter cut-off sharpness. The goal consists of achieving a better compromise between frequency selectivity and time resolution at each decomposition level than standard orthogonal filter banks such as those of the Daubechies and Coiflet families. Our aim is to optimally decompose the signals in the wavelet domain so that they can be subsequently used as inputs for training to a neural network classifier

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.

Bank of Weight Filters for Deep CNNs

Science.gov (United States)

2016-11-22

very large even on the best available hardware . In some studies in transfer learning it has been observed that the network learnt on one task can be...CNNs. Keywords: CNN, deep learning , neural networks, transfer learning , bank of weigh filters, BWF 1. Introduction Object recognition is an important...of CNNs (or, in general, of deep neural networks) is that feature generation part is fused with the classifier part and both parts are learned together

HEAPA Filter Bank In-Place Leak Test of Advanced Fuel Science Building

Energy Technology Data Exchange (ETDEWEB)

Ji, C. G.; Bae, S. O.; Kim, C. H

2007-12-15

To maintain the optimum condition of Advanced Fuel Science Building in KAERI, this report is described leak tests for HEPA Filter of HVAC in this facility. The main topics of this report are as follows for: - Procurement Specification - Visual Inspection - Airflow Capacity Test - HEPA Filter Bank In-Place Test.

Capital Requirements and Credit Rationing

OpenAIRE

Itai Agur

2010-01-01

This paper analyzes the trade-off between financial stability and credit rationing that arises when increasing capital requirements. It extends the Stiglitz-Weiss model of credit rationing to allow for bank default. Bank capital structure then matters for lending incentives. With default and rationing endogenous, optimal capital requirements can be analyzed. Introducing bank financiers, the paper also shows that uninsured funding raises the sensitivity of rationing to capital requirements. In...

Channel Estimation for Filter Bank Multicarrier Systems in Low SNR Environments

Energy Technology Data Exchange (ETDEWEB)

Driggs, Jonathan; Sibbett, Taylor; Moradiy, Hussein; Farhang-Boroujeny, Behrouz

2017-05-01

Channel estimation techniques are crucial for reliable communications. This paper is concerned with channel estimation in a filter bank multicarrier spread spectrum (FBMCSS) system. We explore two channel estimator options: (i) a method that makes use of a periodic preamble and mimics the channel estimation techniques that are widely used in OFDM-based systems; and (ii) a method that stays within the traditional realm of filter bank signal processing. For the case where the channel noise is white, both methods are analyzed in detail and their performance is compared against their respective Cramer-Rao Lower Bounds (CRLB). Advantages and disadvantages of the two methods under different channel conditions are given to provide insight to the reader as to when one will outperform the other.

Visible light communication using DC-biased optical filter bank multi-carrier modulation

KAUST Repository

Chen, Rui

2018-03-19

Filter bank multicarrier (FBMC) has become a promising candidate to replace conventional orthogonal frequency-division multiplexing (OFDM) scheme in 5G technology due to its better spectral confinement which results in a reduced inter-channel interference (ICI). However, the viability of using FBMC in visible light communication has not been verified. In this work we present the first experimental validation of the DC-biased optical filter bank multicarrier (DCO-FBMC) modulation scheme over a free-space optical channel. Under different receiving powers, up to three times bit error rate performance improvement has been achieved using DCO-FBMC with different overlapping factors compared to that of conventional DCO-OFDM.

Visible light communication using DC-biased optical filter bank multi-carrier modulation

KAUST Repository

Chen, Rui; Park, Kihong; Shen, Chao; Ng, Tien Khee; Ooi, Boon S.; Alouini, Mohamed-Slim

2018-01-01

Filter bank multicarrier (FBMC) has become a promising candidate to replace conventional orthogonal frequency-division multiplexing (OFDM) scheme in 5G technology due to its better spectral confinement which results in a reduced inter-channel interference (ICI). However, the viability of using FBMC in visible light communication has not been verified. In this work we present the first experimental validation of the DC-biased optical filter bank multicarrier (DCO-FBMC) modulation scheme over a free-space optical channel. Under different receiving powers, up to three times bit error rate performance improvement has been achieved using DCO-FBMC with different overlapping factors compared to that of conventional DCO-OFDM.

Simultaneous estimation of neutron density and reactivity in a nuclear reactor using a bank of Kalman filters

International Nuclear Information System (INIS)

Cortina, E.; D'Atellis, C.E.

1990-01-01

This paper reports on the problem of simultaneously estimating neutron density and reactivity while operating a nuclear reactor. It is solved by using a bank of Kalman filters as an estimator and applying a probabilistic test to determine which filter of the bank has the best performance

Design of multiplier-less sharp non-uniform cosine modulated filter banks for efficient channelizers in software defined radio

Directory of Open Access Journals (Sweden)

Shaeen Kalathil

2016-03-01

Full Text Available Forthcoming software defined radios require filter banks which satisfy stringent specifications efficiently with low implementation complexity. Cosine modulated filter banks (CMFB have simple and efficient design procedure. The different wireless standards have different channel spacing or bandwidths and hence demand non-uniform decomposition of subbands. The non-uniform CMFB can be obtained from a uniform CMFB in a simple and efficient approach by merging the adjacent channels of the uniform CMFB. Very narrow transition width filters with low complexity can be achieved using frequency response masking (FRM filter as prototype filter. The complexity is further reduced by the multiplier-less realization of filter banks in which the least number of signed power of two (SPT terms is achieved by representing the filter coefficients using canonic signed digit (CSD representation and then optimizing using suitable modified meta-heuristic algorithms. Hybrid meta-heuristic algorithms are used in this paper. A hybrid algorithm combines the qualities of two meta-heuristic algorithms and results in improved performances with low implementation complexity. Highly frequency selective filter banks characterized by small passband ripple, narrow transition width and high stopband attenuation with non-uniform decomposition of subbands can be designed with least the implementation complexity, using this approach. A digital channelizer can be designed for SDR implementations, using the proposed approach. In this paper, the non-uniform CMFB is designed for various existing wireless standards.

On Applicability of Tunable Filter Bank Based Feature for Ear Biometrics: A Study from Constrained to Unconstrained.

Science.gov (United States)

Chowdhury, Debbrota Paul; Bakshi, Sambit; Guo, Guodong; Sa, Pankaj Kumar

2017-11-27

In this paper, an overall framework has been presented for person verification using ear biometric which uses tunable filter bank as local feature extractor. The tunable filter bank, based on a half-band polynomial of 14th order, extracts distinct features from ear images maintaining its frequency selectivity property. To advocate the applicability of tunable filter bank on ear biometrics, recognition test has been performed on available constrained databases like AMI, WPUT, IITD and unconstrained database like UERC. Experiments have been conducted applying tunable filter based feature extractor on subparts of the ear. Empirical experiments have been conducted with four and six subdivisions of the ear image. Analyzing the experimental results, it has been found that tunable filter moderately succeeds to distinguish ear features at par with the state-of-the-art features used for ear recognition. Accuracies of 70.58%, 67.01%, 81.98%, and 57.75% have been achieved on AMI, WPUT, IITD, and UERC databases through considering Canberra Distance as underlying measure of separation. The performances indicate that tunable filter is a candidate for recognizing human from ear images.

Cryptanalysis of a computer cryptography scheme based on a filter bank

International Nuclear Information System (INIS)

Arroyo, David; Li Chengqing; Li Shujun; Alvarez, Gonzalo

2009-01-01

This paper analyzes the security of a recently-proposed signal encryption scheme based on a filter bank. A very critical weakness of this new signal encryption procedure is exploited in order to successfully recover the associated secret key.

Filter Bank Regularized Common Spatial Pattern Ensemble for Small Sample Motor Imagery Classification.

Science.gov (United States)

Park, Sang-Hoon; Lee, David; Lee, Sang-Goog

2018-02-01

For the last few years, many feature extraction methods have been proposed based on biological signals. Among these, the brain signals have the advantage that they can be obtained, even by people with peripheral nervous system damage. Motor imagery electroencephalograms (EEG) are inexpensive to measure, offer a high temporal resolution, and are intuitive. Therefore, these have received a significant amount of attention in various fields, including signal processing, cognitive science, and medicine. The common spatial pattern (CSP) algorithm is a useful method for feature extraction from motor imagery EEG. However, performance degradation occurs in a small-sample setting (SSS), because the CSP depends on sample-based covariance. Since the active frequency range is different for each subject, it is also inconvenient to set the frequency range to be different every time. In this paper, we propose the feature extraction method based on a filter bank to solve these problems. The proposed method consists of five steps. First, motor imagery EEG is divided by a using filter bank. Second, the regularized CSP (R-CSP) is applied to the divided EEG. Third, we select the features according to mutual information based on the individual feature algorithm. Fourth, parameter sets are selected for the ensemble. Finally, we classify using ensemble based on features. The brain-computer interface competition III data set IVa is used to evaluate the performance of the proposed method. The proposed method improves the mean classification accuracy by 12.34%, 11.57%, 9%, 4.95%, and 4.47% compared with CSP, SR-CSP, R-CSP, filter bank CSP (FBCSP), and SR-FBCSP. Compared with the filter bank R-CSP ( , ), which is a parameter selection version of the proposed method, the classification accuracy is improved by 3.49%. In particular, the proposed method shows a large improvement in performance in the SSS.

Very High-Performance Advanced Filter Bank Analog-to-Digital Converter (AFB ADC) Project

National Research Council Canada - National Science Library

Velazquez, Scott

1999-01-01

... of the art by using a parallel array of individual commercial off the shelf converters. The significant performance improvements afforded by the Advanced Filter Bank Analog to Digital Converter (AFB ADC...

Hardware Architecture of Polyphase Filter Banks Performing Embedded Resampling for Software-Defined Radio Front-Ends

DEFF Research Database (Denmark)

Awan, Mehmood-Ur-Rehman; Le Moullec, Yannick; Koch, Peter

2012-01-01

, and power optimization for field programmable gate array (FPGA) based architectures in an M -path polyphase filter bank with modified N -path polyphase filter. Such systems allow resampling by arbitrary ratios while simultaneously performing baseband aliasing from center frequencies at Nyquist zones......In this paper, we describe resource-efficient hardware architectures for software-defined radio (SDR) front-ends. These architectures are made efficient by using a polyphase channelizer that performs arbitrary sample rate changes, frequency selection, and bandwidth control. We discuss area, time...... that are not multiples of the output sample rate. A non-maximally decimated polyphase filter bank, where the number of data loads is not equal to the number of M subfilters, processes M subfilters in a time period that is either less than or greater than the M data-load’s time period. We present a load...

The dominion of means over ends. Modern bank credit and Max Weber’s irrational rationalization

Directory of Open Access Journals (Sweden)

Domenico Cortese

2017-05-01

Full Text Available The institutions which grant credit today can be considered to be an example of what Max Weber describes as the typical rationalization of modern age. Such a rationalization would bring a lack of reflection on what should be the ultimate significance of certain technical means, which are confused with a value-in-itself of a social context. The paper highlight the fact that the function of credit consistent with individuals’ ‘ultimate ends’ seems to be that of a temporal coordination between the ‘bargaining wills’ of different individuals who aim at obtaining the highest benefit by means of the utility of their products and the products of their peers. But the current epoch has favored the elevation of historically determined features of credit-issuing to ultimate ends. Referring, among other sources, to a report by the Bank of England and to studies by Neo-Keynesian authors such as Stiglitz, this essay establishes that the consequence of the current private structure of credit-issuing is that the ultimate end of credit does not coincide with maximization and economic reciprocity but with the assessment of a risk which is distinctly private. Also, since in this structure Central Bank acts as the bank of all commercial banks, credit granting can be read as being in function of the availability – within a circumscribed economic web – of a specific credit ‘raw material’ which has a price: central bank’s liquidity. This situation puts a deep philosophical problem into the limelight, since any ‘existential’ preferability of the current model of credit issuing can only be explained as an alienation.

32Still Image Compression Algorithm Based on Directional Filter Banks

OpenAIRE

Chunling Yang; Duanwu Cao; Li Ma

2010-01-01

Hybrid wavelet and directional filter banks (HWD) is an effective multi-scale geometrical analysis method. Compared to wavelet transform, it can better capture the directional information of images. But the ringing artifact, which is caused by the coefficient quantization in transform domain, is the biggest drawback of image compression algorithms in HWD domain. In this paper, by researching on the relationship between directional decomposition and ringing artifact, an improved decomposition ...

Accuracy improvement of CT reconstruction using tree-structured filter bank

International Nuclear Information System (INIS)

Ueda, Kazuhiro; Morimoto, Hiroaki; Morikawa, Yoshitaka; Murakami, Junichi

2009-01-01

Accuracy improvement of 'CT reconstruction algorithm using TSFB (Tree-Structured Filter Bank)' that is high-speed CT reconstruction algorithm, was proposed. TSFB method could largely reduce the amount of computation in comparison with the CB (Convolution Backprojection) method, but it was the problem that an artifact occurred in a reconstruction image since reconstruction was performed with disregard to a signal out of the reconstruction domain in stage processing. Also the whole band filter being the component of a two-dimensional synthesis filter was IIR filter and then an artifact occurred at the end of the reconstruction image. In order to suppress these artifacts the proposed method enlarged the processing range by the TSFB method in the domain outside by the width control of the specimen line and line addition to the reconstruction domain outside. And, furthermore, to avoid increase of the amount of computation, the algorithm was proposed such as to decide the needed processing range depending on the number of steps processing with the TSFB and the degree of incline of filter, and then update the position and width of the specimen line to process the needed range. According to the simulation to realize a high-speed and highly accurate CT reconstruction in this way, the quality of the reconstruction image of the proposed method was improved in comparison with the TSFB method and got the same result with the CB method. (T. Tanaka)

Design of Two-channel Half-band Bank of Digital Filters using Optimization Methods

Czech Academy of Sciences Publication Activity Database

Gescheidtová, E.; Kubásek, J.; Smékal, Z.; Bartušek, Karel

2007-01-01

Roč. 40, č. 1 (2007), s. 71-79 ISSN 1738-6438 R&D Projects: GA ČR(CZ) GA102/07/0389; GA ČR(CZ) GA102/07/1086 Institutional research plan: CEZ:AV0Z20650511 Keywords : criterial function * transfer function * bank of digital filters Subject RIV: JA - Electronics ; Optoelectronics, Electrical Engineering

Implementation of a Quadrature Mirror Filter Bank on an SRC Reconfigurable Computer for Real-Time Signal Processing

National Research Council Canada - National Science Library

Stoffell, Kevin M

2006-01-01

.... Performance and device utilization results between the Quadrature Mirror Filter Bank implemented in VHDL, design elements implemented in the C programming language, and calculations made using high...

Enhanced Bank of Kalman Filters Developed and Demonstrated for In-Flight Aircraft Engine Sensor Fault Diagnostics

Science.gov (United States)

Kobayashi, Takahisa; Simon, Donald L.

2005-01-01

In-flight sensor fault detection and isolation (FDI) is critical to maintaining reliable engine operation during flight. The aircraft engine control system, which computes control commands on the basis of sensor measurements, operates the propulsion systems at the demanded conditions. Any undetected sensor faults, therefore, may cause the control system to drive the engine into an undesirable operating condition. It is critical to detect and isolate failed sensors as soon as possible so that such scenarios can be avoided. A challenging issue in developing reliable sensor FDI systems is to make them robust to changes in engine operating characteristics due to degradation with usage and other faults that can occur during flight. A sensor FDI system that cannot appropriately account for such scenarios may result in false alarms, missed detections, or misclassifications when such faults do occur. To address this issue, an enhanced bank of Kalman filters was developed, and its performance and robustness were demonstrated in a simulation environment. The bank of filters is composed of m + 1 Kalman filters, where m is the number of sensors being used by the control system and, thus, in need of monitoring. Each Kalman filter is designed on the basis of a unique fault hypothesis so that it will be able to maintain its performance if a particular fault scenario, hypothesized by that particular filter, takes place.

HF band filter bank multi-carrier spread spectrum

Energy Technology Data Exchange (ETDEWEB)

Laraway, Stephen Andrew; Moradi, Hussein; Farhang-Boroujeny, Behrouz

2015-10-01

Abstract—This paper describes modifications to the filter bank multicarrier spread spectrum (FB-MC-SS) system, that was presented in [1] and [2], to enable transmission of this waveform in the HF skywave channel. FB-MC-SS is well suited for the HF channel because it performs well in channels with frequency selective fading and interference. This paper describes new algorithms for packet detection, timing recovery and equalization that are suitable for the HF channel. Also, an algorithm for optimizing the peak to average power ratio (PAPR) of the FBMC- SS waveform is presented. Application of this algorithm results in a waveform with low PAPR. Simulation results using a wide band HF channel model demonstrate the robustness of this system over a wide range of delay and Doppler spreads.

Current-State Constrained Filter Bank for Wald Testing of Spacecraft Conjunctions

Science.gov (United States)

Carpenter, J. Russell; Markley, F. Landis

2012-01-01

We propose a filter bank consisting of an ordinary current-state extended Kalman filter, and two similar but constrained filters: one is constrained by a null hypothesis that the miss distance between two conjuncting spacecraft is inside their combined hard body radius at the predicted time of closest approach, and one is constrained by an alternative complementary hypothesis. The unconstrained filter is the basis of an initial screening for close approaches of interest. Once the initial screening detects a possibly risky conjunction, the unconstrained filter also governs measurement editing for all three filters, and predicts the time of closest approach. The constrained filters operate only when conjunctions of interest occur. The computed likelihoods of the innovations of the two constrained filters form a ratio for a Wald sequential probability ratio test. The Wald test guides risk mitigation maneuver decisions based on explicit false alarm and missed detection criteria. Since only current-state Kalman filtering is required to compute the innovations for the likelihood ratio, the present approach does not require the mapping of probability density forward to the time of closest approach. Instead, the hard-body constraint manifold is mapped to the filter update time by applying a sigma-point transformation to a projection function. Although many projectors are available, we choose one based on Lambert-style differential correction of the current-state velocity. We have tested our method using a scenario based on the Magnetospheric Multi-Scale mission, scheduled for launch in late 2014. This mission involves formation flight in highly elliptical orbits of four spinning spacecraft equipped with antennas extending 120 meters tip-to-tip. Eccentricities range from 0.82 to 0.91, and close approaches generally occur in the vicinity of perigee, where rapid changes in geometry may occur. Testing the method using two 12,000-case Monte Carlo simulations, we found the

An improved discriminative filter bank selection approach for motor imagery EEG signal classification using mutual information.

Science.gov (United States)

Kumar, Shiu; Sharma, Alok; Tsunoda, Tatsuhiko

2017-12-28

Common spatial pattern (CSP) has been an effective technique for feature extraction in electroencephalography (EEG) based brain computer interfaces (BCIs). However, motor imagery EEG signal feature extraction using CSP generally depends on the selection of the frequency bands to a great extent. In this study, we propose a mutual information based frequency band selection approach. The idea of the proposed method is to utilize the information from all the available channels for effectively selecting the most discriminative filter banks. CSP features are extracted from multiple overlapping sub-bands. An additional sub-band has been introduced that cover the wide frequency band (7-30 Hz) and two different types of features are extracted using CSP and common spatio-spectral pattern techniques, respectively. Mutual information is then computed from the extracted features of each of these bands and the top filter banks are selected for further processing. Linear discriminant analysis is applied to the features extracted from each of the filter banks. The scores are fused together, and classification is done using support vector machine. The proposed method is evaluated using BCI Competition III dataset IVa, BCI Competition IV dataset I and BCI Competition IV dataset IIb, and it outperformed all other competing methods achieving the lowest misclassification rate and the highest kappa coefficient on all three datasets. Introducing a wide sub-band and using mutual information for selecting the most discriminative sub-bands, the proposed method shows improvement in motor imagery EEG signal classification.

HEAPA Filter Bank In-Place Leak Test for ACUs of Advanced Fuel Science Building in 2010

Energy Technology Data Exchange (ETDEWEB)

Ji, Chul Goo; Bae, Sang Oh [KAERI, Daejeon (Korea, Republic of)

2010-12-15

Air cleaning units installed in the Advanced Fuel Science Building were performed visual inspection, airflow capacity test, and HEAPA filter bank in-place leak test in accordance with ASME N-510-1989. All the above inspections was acceptable. Visual inspection was satisfied to AUC-556 and AUC-557. Airflow capacity was 96%(30,240 m{sup 3}/h) of design airflow capacity(31,500 m{sup 3}/h) for AUC-556 and was 97%(22,800 m{sup 3}/h) of design airflow capacity(22,800 m{sup 3}/h) for AUC-557, and was maintained within {+-}10% of the specified value. Penetration of HEAPA filter bank in-place leak test was 0.009% for AUC-556 and was 0.013% for AUC-557 and these values were maintained less than the acceptance criteria(0.05%)

TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

Full Text Available banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1, Moslem customers that saved money both in shariah and conventional banks (n2, non-Moslemcustomers (n3. This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.

Machine Fault Detection Based on Filter Bank Similarity Features Using Acoustic and Vibration Analysis

Directory of Open Access Journals (Sweden)

Mauricio Holguín-Londoño

2016-01-01

Full Text Available Vibration and acoustic analysis actively support the nondestructive and noninvasive fault diagnostics of rotating machines at early stages. Nonetheless, the acoustic signal is less used because of its vulnerability to external interferences, hindering an efficient and robust analysis for condition monitoring (CM. This paper presents a novel methodology to characterize different failure signatures from rotating machines using either acoustic or vibration signals. Firstly, the signal is decomposed into several narrow-band spectral components applying different filter bank methods such as empirical mode decomposition, wavelet packet transform, and Fourier-based filtering. Secondly, a feature set is built using a proposed similarity measure termed cumulative spectral density index and used to estimate the mutual statistical dependence between each bandwidth-limited component and the raw signal. Finally, a classification scheme is carried out to distinguish the different types of faults. The methodology is tested in two laboratory experiments, including turbine blade degradation and rolling element bearing faults. The robustness of our approach is validated contaminating the signal with several levels of additive white Gaussian noise, obtaining high-performance outcomes that make the usage of vibration, acoustic, and vibroacoustic measurements in different applications comparable. As a result, the proposed fault detection based on filter bank similarity features is a promising methodology to implement in CM of rotating machinery, even using measurements with low signal-to-noise ratio.

Robust estimation of autoregressive processes using a mixture-based filter-bank

Czech Academy of Sciences Publication Activity Database

Šmídl, V.; Anthony, Q.; Kárný, Miroslav; Guy, Tatiana Valentine

2005-01-01

Roč. 54, č. 4 (2005), s. 315-323 ISSN 0167-6911 R&D Projects: GA AV ČR IBS1075351; GA ČR GA102/03/0049; GA ČR GP102/03/P010; GA MŠk 1M0572 Institutional research plan: CEZ:AV0Z10750506 Keywords : Bayesian estimation * probabilistic mixtures * recursive estimation Subject RIV: BC - Control Systems Theory Impact factor: 1.239, year: 2005 http://library.utia.cas.cz/separaty/historie/karny-robust estimation of autoregressive processes using a mixture-based filter- bank .pdf

A low-power asynchronous data-path for a FIR filter bank

DEFF Research Database (Denmark)

Nielsen, Lars Skovby; Sparsø, Jens

1996-01-01

This paper describes a number of design issues relating to the implementation of low-power asynchronous signal processing circuits. Specifically, the paper addresses the design of a dedicated processor structure that implements an audio FIR filter bank which is part of an industrial application....... The algorithm requires a fixed number of steps and the moderate speed requirement allows a sequential implementation. The latter, in combination with a huge predominance of numerically small data values in the input data stream, is the key to a low-power asynchronous implementation. Power is minimized in two...

Wavelet Filter Banks for Super-Resolution SAR Imaging

Science.gov (United States)

Sheybani, Ehsan O.; Deshpande, Manohar; Memarsadeghi, Nargess

2011-01-01

This paper discusses Innovative wavelet-based filter banks designed to enhance the analysis of super resolution Synthetic Aperture Radar (SAR) images using parametric spectral methods and signal classification algorithms, SAR finds applications In many of NASA's earth science fields such as deformation, ecosystem structure, and dynamics of Ice, snow and cold land processes, and surface water and ocean topography. Traditionally, standard methods such as Fast-Fourier Transform (FFT) and Inverse Fast-Fourier Transform (IFFT) have been used to extract Images from SAR radar data, Due to non-parametric features of these methods and their resolution limitations and observation time dependence, use of spectral estimation and signal pre- and post-processing techniques based on wavelets to process SAR radar data has been proposed. Multi-resolution wavelet transforms and advanced spectral estimation techniques have proven to offer efficient solutions to this problem.

Standby Gasoline Rationing Plan. Contingency gasoline rationing regulations

Energy Technology Data Exchange (ETDEWEB)

1979-02-01

The Economic Regulatory Administration issues final rules with respect to standby gasoline rationing. The plan is designed for and would be used only in the event of a severe gasoline shortage. The plan provides that eligibility for ration allotments will be primarily on the basis of motor vehicle registrations. DOE will mail government ration checks to the parties named in a national vehicle registration file to be maintained by DOE. Ration recipients may cash these checks for ration coupons at various designated coupon issuance points. Retail outlets and other suppliers will be required to redeem the ration coupons received in exchange for gasoline sold. Supplemental gas will be given to high-priority activities. A ration banking system will be established with two separate and distinct of ration accounts: retail outlets and other suppliers will open redemption accounts for the deposit of redeemed ration rights; and individuals or firms may open ration rights accounts, which will operate in much the same manner as monetary checking accounts. A white market will be permitted for the sale of transfer of ration rights. A percentage of the total ration rights to be issued will be reserved for distribution to the states as a State Ration Reserve, to be used by the states primarily for the relief of hardship. A National Ration Reserave will also be established. All sections of the Standby Gasoline Rationing Regulations are analyzed. (MCW)

Filter and Filter Bank Design for Image Texture Recognition

Energy Technology Data Exchange (ETDEWEB)

Randen, Trygve

1997-12-31

The relevance of this thesis to energy and environment lies in its application to remote sensing such as for instance sea floor mapping and seismic pattern recognition. The focus is on the design of two-dimensional filters for feature extraction, segmentation, and classification of digital images with textural content. The features are extracted by filtering with a linear filter and estimating the local energy in the filter response. The thesis gives a review covering broadly most previous approaches to texture feature extraction and continues with proposals of some new techniques. 143 refs., 59 figs., 7 tabs.

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....

z-transform DFT filters and FFT's

DEFF Research Database (Denmark)

Bruun, G.

1978-01-01

The paper shows how discrete Fourier transformation can be implemented as a filter bank in a way which reduces the number of filter coefficients. A particular implementation of such a filter bank is directly related to the normal complex FFT algorithm. The principle developed further leads to types...... of DFT filter banks which utilize a minimum of complex coefficients. These implementations lead to new forms of FFT's, among which is acos/sinFFT for a real signal which only employs real coefficients. The new FFT algorithms use only half as many real multiplications as does the classical FFT....

SISTEM VERIFIKASI SIDIK JARI DENGAN METODE PENCOCOKAN BERBASIS BANK GABOR FILTER

Directory of Open Access Journals (Sweden)

A.A. K. Oka Sudana

2009-05-01

Full Text Available Many cases of fraud are exposed where someone, claiming to be someone else attempts to accesssomething. This situation challenges us to create a system that is both reliable and trustworthy to verify someone’sidentity. A biometric system represent an automatic recognition system based on the physiological characteristicsand/or behaviors of the human being. One of these biometric system is fingerprint recognition. Fingerprint verification system is a system to verify a human fingerprint according to the identity which has been claimed. Thusfingerprint image input is compared with the reference fingerprint image which has been kept in a database,according to the given identity. On this research, the Gabor Filter Bank-based Fingerprint Matching Method is used to extract the image features.On application, one of sample image will be matched with one of the database reference image. First, before matching, the sample image features need to be calculate using the aforementioned method. The resulting matchingprocess will find a reference image which has the shortest Euclidean distance with the sample image. This matchingprocess will only succeed if the sample image and the reference image are from the same person. Images used inthis research are fingerprint images with dimension 191 x 191 pixels. This research is looking for the successful rateand the burst time on the verification process. Result of the system testing show that Gabor Filter Bank Method canprovide high enough success level i.e. 95%. The items influence success level are subject to quality of fingerprint image and accuracy to find a reference point/core point, Similarity between query image and reference image is determined by projection distance both of images, and also threshold value is used to decide whether this image isvalid or not.

Audlet Filter Banks: A Versatile Analysis/Synthesis Framework Using Auditory Frequency Scales

Directory of Open Access Journals (Sweden)

Thibaud Necciari

2018-01-01

Full Text Available Many audio applications rely on filter banks (FBs to analyze, process, and re-synthesize sounds. For these applications, an important property of the analysis–synthesis system is the reconstruction error; it has to be minimized to avoid audible artifacts. Other advantageous properties include stability and low redundancy. To exploit some aspects of auditory perception in the signal chain, some applications rely on FBs that approximate the frequency analysis performed in the auditory periphery, the gammatone FB being a popular example. However, current gammatone FBs only allow partial reconstruction and stability at high redundancies. In this article, we construct an analysis–synthesis system for audio applications. The proposed system, referred to as Audlet, is an oversampled FB with filters distributed on auditory frequency scales. It allows perfect reconstruction for a wide range of FB settings (e.g., the shape and density of filters, efficient FB design, and adaptable redundancy. In particular, we show how to construct a gammatone FB with perfect reconstruction. Experiments demonstrate performance improvements of the proposed gammatone FB when compared to current gammatone FBs in terms of reconstruction error and stability, especially at low redundancies. An application of the framework to audio source separation illustrates its utility for audio processing.

Two-dimensional FIR compaction filter design

NARCIS (Netherlands)

Vijayakumar, N.; Prabhu, K.M.M.

2001-01-01

The design of signal-adapted multirate filter banks has been an area of research interest. The authors present the design of a 2-D finite impulse response (FIR) compaction filter followed by a 2-D FIR filter bank that packs the maximum energy of the input process into a few subbands. The energy

B Plant exhaust filter inventory analysis

International Nuclear Information System (INIS)

Lan, J.S.; Wootan, D.W.; Carter, L.L.; Bunch, W.L.; Covey, L.I.; Greenborg, J.

1994-10-01

This paper describes a method for determining radionuclide inventories in filters using measurements of radiation fields that determine photon dose rates and photon-plus-electron dose rates between filter banks. The mathematical approach quantifies the curie inventories of filter banks by using the measured dose rates and the calculated Green's functions involving detector responses per unit source

Standby Gasoline Rationing Plan

Energy Technology Data Exchange (ETDEWEB)

None

1980-06-01

The final rules adopted by the President for a Standby Gasoline Rationing Plan are presented. The plan provides that eligibility for ration allotments will be determined primarily on the basis of motor vehicle registrations, taking into account historical differences in the use of gasoline among states. The regulations also provide authority for supplemental allotments to firms so that their allotment will equal a specified percentage of gasoline use during a base period. Priority classifications, i.e., agriculture, defense, etc., are established to assure adequate gasoline supplies for designated essential services. Ration rights must be provided by end-users to their suppliers for each gallon sold. DOE will regulate the distribution of gasoline at the wholesale level according to the transfer by suppliers of redeemed ration rights and the gasoline allocation regulations. Ration rights are transferable. A ration banking system is created to facilitate transfers of ration rights. Each state will be provided with a reserve of ration rights to provide for hardship needs and to alleviate inequities. (DC)

Orthonormal filters for identification in active control systems

International Nuclear Information System (INIS)

Mayer, Dirk

2015-01-01

Many active noise and vibration control systems require models of the control paths. When the controlled system changes slightly over time, adaptive digital filters for the identification of the models are useful. This paper aims at the investigation of a special class of adaptive digital filters: orthonormal filter banks possess the robust and simple adaptation of the widely applied finite impulse response (FIR) filters, but at a lower model order, which is important when considering implementation on embedded systems. However, the filter banks require prior knowledge about the resonance frequencies and damping of the structure. This knowledge can be supposed to be of limited precision, since in many practical systems, uncertainties in the structural parameters exist. In this work, a procedure using a number of training systems to find the fixed parameters for the filter banks is applied. The effect of uncertainties in the prior knowledge on the model error is examined both with a basic example and in an experiment. Furthermore, the possibilities to compensate for the imprecise prior knowledge by a higher filter order are investigated. Also comparisons with FIR filters are implemented in order to assess the possible advantages of the orthonormal filter banks. Numerical and experimental investigations show that significantly lower computational effort can be reached by the filter banks under certain conditions. (paper)

Sequential Probability Ratio Test for Collision Avoidance Maneuver Decisions Based on a Bank of Norm-Inequality-Constrained Epoch-State Filters

Science.gov (United States)

Carpenter, J. R.; Markley, F. L.; Alfriend, K. T.; Wright, C.; Arcido, J.

2011-01-01

Sequential probability ratio tests explicitly allow decision makers to incorporate false alarm and missed detection risks, and are potentially less sensitive to modeling errors than a procedure that relies solely on a probability of collision threshold. Recent work on constrained Kalman filtering has suggested an approach to formulating such a test for collision avoidance maneuver decisions: a filter bank with two norm-inequality-constrained epoch-state extended Kalman filters. One filter models 1he null hypothesis 1ha1 the miss distance is inside the combined hard body radius at the predicted time of closest approach, and one filter models the alternative hypothesis. The epoch-state filter developed for this method explicitly accounts for any process noise present in the system. The method appears to work well using a realistic example based on an upcoming highly-elliptical orbit formation flying mission.

CREDIT RATIONING AND SME DEVELOPMENT IN BOTSWANA ...

African Journals Online (AJOL)

None

have the negative effect of stifling the growth of potential firms, thereby .... credit market may explain the credit rationing behaviour of banks to ... derive policy implications to enhance access to bank credit by SMEs. 4. ..... The main challenges to SMEs identified by the study were non-payment of outstanding ... This decision is.

An Amplitude Spectral Capon Estimator with a Variable Filter Length

DEFF Research Database (Denmark)

Nielsen, Jesper Kjær; Smaragdis, Paris; Christensen, Mads Græsbøll

2012-01-01

The filter bank methods have been a popular non-parametric way of computing the complex amplitude spectrum. So far, the length of the filters in these filter banks has been set to some constant value independently of the data. In this paper, we take the first step towards considering the filter...

Filtered-X Affine Projection Algorithms for Active Noise Control Using Volterra Filters

Directory of Open Access Journals (Sweden)

Sicuranza Giovanni L

2004-01-01

Full Text Available We consider the use of adaptive Volterra filters, implemented in the form of multichannel filter banks, as nonlinear active noise controllers. In particular, we discuss the derivation of filtered-X affine projection algorithms for homogeneous quadratic filters. According to the multichannel approach, it is then easy to pass from these algorithms to those of a generic Volterra filter. It is shown in the paper that the AP technique offers better convergence and tracking capabilities than the classical LMS and NLMS algorithms usually applied in nonlinear active noise controllers, with a limited complexity increase. This paper extends in two ways the content of a previous contribution published in Proc. IEEE-EURASIP Workshop on Nonlinear Signal and Image Processing (NSIP '03, Grado, Italy, June 2003. First of all, a general adaptation algorithm valid for any order of affine projections is presented. Secondly, a more complete set of experiments is reported. In particular, the effects of using multichannel filter banks with a reduced number of channels are investigated and relevant results are shown.

Three phase active power filter with selective harmonics elimination

Directory of Open Access Journals (Sweden)

Sozański Krzysztof

2016-03-01

Full Text Available This paper describes a three phase shunt active power filter with selective harmonics elimination. The control algorithm is based on a digital filter bank. The moving Discrete Fourier Transformation is used as an analysis filter bank. The correctness of the algorithm has been verified by simulation and experimental research. The paper includes exemplary results of current waveforms and their spectra from a three phase active power filter.

Origin of bank filtered groundwater resources covering the drinking water demand of Budapest, Hungary

International Nuclear Information System (INIS)

Forizs, I.; Deak, J.

1998-01-01

The ratio of Danube water/infiltrated precipitation has been determined using stable oxygen isotope data on four parts of the protection area of the bank filtered water works supplying drinking water for Budapest, Hungary. These ratios comparing to those calculated by hydraulic modeling rarely match each other. The Danube water transit time calculated fro few wells by isotopic data are usually shorter than those determined by hydraulic modeling. The relation between the δ 18 O values and the nitrate chloride and sulfate pollutants shows that the source of the pollutants is on the island area (sewage water, agricultural activity and salt used for de-icing asphalt roads). (author)

A dual-polarized broadband planar antenna and channelizing filter bank for millimeter wavelengths

Science.gov (United States)

O'Brient, Roger; Ade, Peter; Arnold, Kam; Edwards, Jennifer; Engargiola, Greg; Holzapfel, William L.; Lee, Adrian T.; Myers, Michael J.; Quealy, Erin; Rebeiz, Gabriel; Richards, Paul; Suzuki, Aritoki

2013-02-01

We describe the design, fabrication, and testing of a broadband log-periodic antenna coupled to multiple cryogenic bolometers. This detector architecture, optimized here for astrophysical observations, simultaneously receives two linear polarizations with two octaves of bandwidth at millimeter wavelengths. The broad bandwidth signal received by the antenna is divided into sub-bands with integrated in-line frequency-selective filters. We demonstrate two such filter banks: a diplexer with two sub-bands and a log-periodic channelizer with seven contiguous sub-bands. These detectors have receiver efficiencies of 20%-40% and percent level polarization isolation. Superconducting transition-edge sensor bolometers detect the power in each sub-band and polarization. We demonstrate circularly symmetric beam patterns, high polarization isolation, accurately positioned bands, and high optical efficiency. The pixel design is applicable to astronomical observations of intensity and polarization at millimeter through sub-millimeter wavelengths. As compared with an imaging array of pixels measuring only one band, simultaneous measurements of multiple bands in each pixel has the potential to result in a higher signal-to-noise measurement while also providing spectral information. This development facilitates compact systems with high mapping speeds for observations that require information in multiple frequency bands.

Teaching Bank Runs with Classroom Experiments

Science.gov (United States)

Balkenborg, Dieter; Kaplan, Todd; Miller, Timothy

2011-01-01

Once relegated to cinema or history lectures, bank runs have become a modern phenomenon that captures the interest of students. In this article, the authors explain a simple classroom experiment based on the Diamond-Dybvig model (1983) to demonstrate how a bank run--a seemingly irrational event--can occur rationally. They then present possible…

Modelling modulation perception : modulation low-pass filter or modulation filter bank?

NARCIS (Netherlands)

Dau, T.; Kollmeier, B.; Kohlrausch, A.G.

1995-01-01

In current models of modulation perception, the stimuli are first filtered and nonlinearly transformed (mostly half-wave rectified). In order to model the low-pass characteristic of measured modulation transfer functions, the next stage in the models is a first-order low-pass filter with a typical

Predicting perceptual quality of images in realistic scenario using deep filter banks

Science.gov (United States)

Zhang, Weixia; Yan, Jia; Hu, Shiyong; Ma, Yang; Deng, Dexiang

2018-03-01

Classical image perceptual quality assessment models usually resort to natural scene statistic methods, which are based on an assumption that certain reliable statistical regularities hold on undistorted images and will be corrupted by introduced distortions. However, these models usually fail to accurately predict degradation severity of images in realistic scenarios since complex, multiple, and interactive authentic distortions usually appear on them. We propose a quality prediction model based on convolutional neural network. Quality-aware features extracted from filter banks of multiple convolutional layers are aggregated into the image representation. Furthermore, an easy-to-implement and effective feature selection strategy is used to further refine the image representation and finally a linear support vector regression model is trained to map image representation into images' subjective perceptual quality scores. The experimental results on benchmark databases present the effectiveness and generalizability of the proposed model.

A programme to rationalize film dosimetry by data processing

International Nuclear Information System (INIS)

Ritzenhoff, K.H.

1976-01-01

Plan to realize the following intentions for monitoring appr. 45,000 persons per month: 1) Extending the data bank with evaluation results to a universal personnel dose register covering all persons monitored, 2) comprising the individual rationalization measures in an extensive rationalization model of the procedures in a personnel dose measuring service by using EDP-systems. (orig./HP) [de

Aircraft Engine Sensor/Actuator/Component Fault Diagnosis Using a Bank of Kalman Filters

Science.gov (United States)

Kobayashi, Takahisa; Simon, Donald L. (Technical Monitor)

2003-01-01

In this report, a fault detection and isolation (FDI) system which utilizes a bank of Kalman filters is developed for aircraft engine sensor and actuator FDI in conjunction with the detection of component faults. This FDI approach uses multiple Kalman filters, each of which is designed based on a specific hypothesis for detecting a specific sensor or actuator fault. In the event that a fault does occur, all filters except the one using the correct hypothesis will produce large estimation errors, from which a specific fault is isolated. In the meantime, a set of parameters that indicate engine component performance is estimated for the detection of abrupt degradation. The performance of the FDI system is evaluated against a nonlinear engine simulation for various engine faults at cruise operating conditions. In order to mimic the real engine environment, the nonlinear simulation is executed not only at the nominal, or healthy, condition but also at aged conditions. When the FDI system designed at the healthy condition is applied to an aged engine, the effectiveness of the FDI system is impacted by the mismatch in the engine health condition. Depending on its severity, this mismatch can cause the FDI system to generate incorrect diagnostic results, such as false alarms and missed detections. To partially recover the nominal performance, two approaches, which incorporate information regarding the engine s aging condition in the FDI system, will be discussed and evaluated. The results indicate that the proposed FDI system is promising for reliable diagnostics of aircraft engines.

Meixner-like functions having a rational z-transform

NARCIS (Netherlands)

Brinker, den A.C.

1995-01-01

Square-summable causal functions can be expressed in a Meixner series. In principle, approximate filter synthesis is thus possible. However, Meixner filters are not realizable since the Meixner functions do not have a rational z-transform. A set of orthonormal functions is constructed with the

Filter bank canonical correlation analysis for implementing a high-speed SSVEP-based brain-computer interface

Science.gov (United States)

Chen, Xiaogang; Wang, Yijun; Gao, Shangkai; Jung, Tzyy-Ping; Gao, Xiaorong

2015-08-01

Objective. Recently, canonical correlation analysis (CCA) has been widely used in steady-state visual evoked potential (SSVEP)-based brain-computer interfaces (BCIs) due to its high efficiency, robustness, and simple implementation. However, a method with which to make use of harmonic SSVEP components to enhance the CCA-based frequency detection has not been well established. Approach. This study proposed a filter bank canonical correlation analysis (FBCCA) method to incorporate fundamental and harmonic frequency components to improve the detection of SSVEPs. A 40-target BCI speller based on frequency coding (frequency range: 8-15.8 Hz, frequency interval: 0.2 Hz) was used for performance evaluation. To optimize the filter bank design, three methods (M1: sub-bands with equally spaced bandwidths; M2: sub-bands corresponding to individual harmonic frequency bands; M3: sub-bands covering multiple harmonic frequency bands) were proposed for comparison. Classification accuracy and information transfer rate (ITR) of the three FBCCA methods and the standard CCA method were estimated using an offline dataset from 12 subjects. Furthermore, an online BCI speller adopting the optimal FBCCA method was tested with a group of 10 subjects. Main results. The FBCCA methods significantly outperformed the standard CCA method. The method M3 achieved the highest classification performance. At a spelling rate of ˜33.3 characters/min, the online BCI speller obtained an average ITR of 151.18 ± 20.34 bits min-1. Significance. By incorporating the fundamental and harmonic SSVEP components in target identification, the proposed FBCCA method significantly improves the performance of the SSVEP-based BCI, and thereby facilitates its practical applications such as high-speed spelling.

Relation of knowledge and level of education to the rationality of self-medication on childhood diarrhea on the Code River banks in Jogoyudan, Jetis, Yogyakarta

Science.gov (United States)

Dania, H.; Ihsan, M. N.

2017-11-01

Self-medication as an alternative is used to reduce the severity of diarrhea. Optimal treatment can be done by increasing the rationalization of self-medication on diarrhea. This can be achieved with good knowledge about self-medication, which is in turn influenced by level of education. The aim of this study was to determine the relationship of knowledge and education level to rationality of self-medication on childhood diarrhea around the Code River in Jogoyudan, Jetis, Yogyakarta. The study was conducted by cross-sectional analytical observational design. The subjects were mothers who had children aged 2-11 years who had experienced diarrhea and had self-medication. Questionnaires were used to assess the rationality of self-medication on children's diarrhea by the parents. The respondents were askeds to fill out about indications, right drugs, doses, time intervals and periods of drug administration. Data were analyzed using chi- square. It was showed that of 40 respondents, 14 respondents (35%) performed rational self-medication on children's diarrhea and 26 respondents (65%). did not rationalize the treatment. The results of a bivariate test obtained a chi-square value of 9.808 (> 3.841) and a p value of 0.002 ( 3.841) and a p value of 0.000 (<0.05) on relationship between knowledge and rationality of self- medication. The conclusion of this study is that there is a correlation between knowledge and level of education and rationality of self-medication on childhood diarrhea on the Code River banks in Jogoyudan, Jetis, Yogyakarta.

Analysis of Filter-Bank-Based Methods for Fast Serial Acquisition of BOC-Modulated Signals

Directory of Open Access Journals (Sweden)

Elena Simona Lohan

2007-09-01

Full Text Available Binary-offset-carrier (BOC signals, selected for Galileo and modernized GPS systems, pose significant challenges for the code acquisition, due to the ambiguities (deep fades which are present in the envelope of the correlation function (CF. This is different from the BPSK-modulated CDMA signals, where the main correlation lobe spans over 2-chip interval, without any ambiguities or deep fades. To deal with the ambiguities due to BOC modulation, one solution is to use lower steps of scanning the code phases (i.e., lower than the traditional step of 0.5 chips used for BPSK-modulated CDMA signals. Lowering the time-bin steps entails an increase in the number of timing hypotheses, and, thus, in the acquisition times. An alternative solution is to transform the ambiguous CF into an “unambiguous” CF, via adequate filtering of the signal. A generalized class of frequency-based unambiguous acquisition methods is proposed here, namely the filter-bank-based (FBB approaches. The detailed theoretical analysis of FBB methods is given for serial-search single-dwell acquisition in single path static channels and a comparison is made with other ambiguous and unambiguous BOC acquisition methods existing in the literature.

Structural Dynamic Response Compressing Technique in Bridges using a Cochlea-inspired Artificial Filter Bank (CAFB)

International Nuclear Information System (INIS)

Heo, G; Jeon, J; Son, B; Kim, C; Jeon, S; Lee, C

2016-01-01

In this study, a cochlea-inspired artificial filter bank (CAFB) was developed to efficiently obtain dynamic response of a structure, and a dynamic response measurement of a cable-stayed bridge model was also carried out to evaluate the performance of the developed CAFB. The developed CAFB used a band-pass filter optimizing algorithm (BOA) and peakpicking algorithm (PPA) to select and compress dynamic response signal containing the modal information which was significant enough. The CAFB was then optimized about the El-Centro earthquake wave which was often used in the construction research, and the software implementation of CAFB was finally embedded in the unified structural management system (USMS). For the evaluation of the developed CAFB, a real time dynamic response experiment was performed on a cable-stayed bridge model, and the response of the cable-stayed bridge model was measured using both the traditional wired system and the developed CAFB-based USMS. The experiment results showed that the compressed dynamic response acquired by the CAFB-based USMS matched significantly with that of the traditional wired system while still carrying sufficient modal information of the cable-stayed bridge. (paper)

Low-power implementation of polyphase filters in Quadratic Residue Number System

DEFF Research Database (Denmark)

Cardarilli, Gian Carlo; Re, Andrea Del; Nannarelli, Alberto

2004-01-01

The aim of this work is the reduction of the power dissipated in digital filters, while maintaining the timing unchanged. A polyphase filter bank in the Quadratic Residue Number System (QRNS) has been implemented and then compared, in terms of performance, area, and power dissipation...... to the implementation of a polyphase filter bank in the traditional two's complement system (TCS). The resulting implementations, designed to have the same clock rates, show that the QRNS filter is smaller and consumes less power than the TCS one....

Design of two-channel filter bank using nature inspired optimization based fractional derivative constraints.

Science.gov (United States)

Kuldeep, B; Singh, V K; Kumar, A; Singh, G K

2015-01-01

In this article, a novel approach for 2-channel linear phase quadrature mirror filter (QMF) bank design based on a hybrid of gradient based optimization and optimization of fractional derivative constraints is introduced. For the purpose of this work, recently proposed nature inspired optimization techniques such as cuckoo search (CS), modified cuckoo search (MCS) and wind driven optimization (WDO) are explored for the design of QMF bank. 2-Channel QMF is also designed with particle swarm optimization (PSO) and artificial bee colony (ABC) nature inspired optimization techniques. The design problem is formulated in frequency domain as sum of L2 norm of error in passband, stopband and transition band at quadrature frequency. The contribution of this work is the novel hybrid combination of gradient based optimization (Lagrange multiplier method) and nature inspired optimization (CS, MCS, WDO, PSO and ABC) and its usage for optimizing the design problem. Performance of the proposed method is evaluated by passband error (ϕp), stopband error (ϕs), transition band error (ϕt), peak reconstruction error (PRE), stopband attenuation (As) and computational time. The design examples illustrate the ingenuity of the proposed method. Results are also compared with the other existing algorithms, and it was found that the proposed method gives best result in terms of peak reconstruction error and transition band error while it is comparable in terms of passband and stopband error. Results show that the proposed method is successful for both lower and higher order 2-channel QMF bank design. A comparative study of various nature inspired optimization techniques is also presented, and the study singles out CS as a best QMF optimization technique. Copyright © 2014 ISA. Published by Elsevier Ltd. All rights reserved.

Does Opaqueness Make Equity Capital Expensive for Banks?

Directory of Open Access Journals (Sweden)

Karlo Kauko

2014-12-01

Full Text Available Bank managers often claim that equity is expensive, which contradicts the Modigliani-Miller irrelevance theorem. An opaque bank must signal its solvency by paying high and stable dividends in order to keep depositors tranquil. This signalling may require costly liquidations if the return on assets has been poor, but not paying the dividend might trigger a run. A strongly capitalized bank should keep substantial amounts of risk-free yet non-productive currency because the number of shares is high, which is costly. The dividend is informative of the state of the bank; rational depositors react to it.

Field test of radioactive high efficiency filter and filter exchange techniques of fuel cycle examination facility

International Nuclear Information System (INIS)

Hwang, Yong Hwa; Lee, Hyung Kwon; Chun, Young Bum; Park, Dae Gyu; Ahn, Sang Bok; Chu, Yong Sun; Kim, Eun Ka.

1997-12-01

The development of high efficiency filter was started to protect human beings from the contamination of radioactive particles, toxic gases and bacillus, and its gradual performance increment led to the fabrication of Ultra Low Penetration Air Filter (ULPA) today. The application field of ULPA has been spread not only to the air conditioning of nuclear power facilities, semiconductor industries, life science, optics, medical care and general facilities but also to the core of ultra-precision facilities. Periodic performance test on the filters is essential to extend its life-time through effective maintenance. Especially, the bank test on HEPA filter of nuclear facilities handling radioactive materials is required for environmental safety. Nowadays, the bank test technology has been reached to the utilization of a minimized portable detecting instruments and the evaluation techniques can provide high confidence in the area of particle distribution and leakage test efficiency. (author). 16 refs., 13 tabs., 14 figs

Effects of filter housing and ductwork configuration on air flow uniformity inside air cleaning filter housings

International Nuclear Information System (INIS)

Paul, J.D.

1993-01-01

Each new HEPA filter installation presents a different physical configuration based on the system requirements, the available space and designer preference. Each different configuration can result in variations of air flow uniformity inside the filter housing across the filter banks. This paper presents the results of air flow uniformity testing for six different filter housing/ductwork configurations and discusses if any of those variations in air flow uniformity is attributable to the difference in the physical arrangements for the six cases

CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

Directory of Open Access Journals (Sweden)

V. E. Gladkova

2011-01-01

Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

Reversible wavelet filter banks with side informationless spatially adaptive low-pass filters

Science.gov (United States)

Abhayaratne, Charith

2011-07-01

Wavelet transforms that have an adaptive low-pass filter are useful in applications that require the signal singularities, sharp transitions, and image edges to be left intact in the low-pass signal. In scalable image coding, the spatial resolution scalability is achieved by reconstructing the low-pass signal subband, which corresponds to the desired resolution level, and discarding other high-frequency wavelet subbands. In such applications, it is vital to have low-pass subbands that are not affected by smoothing artifacts associated with low-pass filtering. We present the mathematical framework for achieving 1-D wavelet transforms that have a spatially adaptive low-pass filter (SALP) using the prediction-first lifting scheme. The adaptivity decisions are computed using the wavelet coefficients, and no bookkeeping is required for the perfect reconstruction. Then, 2-D wavelet transforms that have a spatially adaptive low-pass filter are designed by extending the 1-D SALP framework. Because the 2-D polyphase decompositions are used in this case, the 2-D adaptivity decisions are made nonseparable as opposed to the separable 2-D realization using 1-D transforms. We present examples using the 2-D 5/3 wavelet transform and their lossless image coding and scalable decoding performances in terms of quality and resolution scalability. The proposed 2-D-SALP scheme results in better performance compared to the existing adaptive update lifting schemes.

Data bank system in JFT-2M tokamak

International Nuclear Information System (INIS)

Takada, S.; Matsuda, T.; Miura, Y.; Mori, M.; Kawakami, T.; Matoba, T.

1987-01-01

It is very important to keep suitably and use effectively experimental data in the field of fusion research. The data bank system for fusion experiment can be classified into the following two forms, according to the type of their use: (1) Rapid Analysis Data Bank System; (2) High Quality Data Bank System. And their features are summarized. The data bank system of the former type was prepared for JFT-2M tokamak on the basis of the above classification. By introduction of this data bank system, the following results can be obtained: (1) Rationalization of data analyzing procedure; (2) Improvement of reliability by exclusion of bad data; (3) Easy expansions of analyzing function and tool development; (4) Space saving by extraction and compression of key information

Temporal Scalability through Adaptive -Band Filter Banks for Robust H.264/MPEG-4 AVC Video Coding

Directory of Open Access Journals (Sweden)

Pau G

2006-01-01

Full Text Available This paper presents different structures that use adaptive -band hierarchical filter banks for temporal scalability. Open-loop and closed-loop configurations are introduced and illustrated using existing video codecs. In particular, it is shown that the H.264/MPEG-4 AVC codec allows us to introduce scalability by frame shuffling operations, thus keeping backward compatibility with the standard. The large set of shuffling patterns introduced here can be exploited to adapt the encoding process to the video content features, as well as to the user equipment and transmission channel characteristics. Furthermore, simulation results show that this scalability is obtained with no degradation in terms of subjective and objective quality in error-free environments, while in error-prone channels the scalable versions provide increased robustness.

Proposed standby gasoline rationing plan: public comments

Energy Technology Data Exchange (ETDEWEB)

1978-12-01

Under the proposed plan, DOE would allocate ration rights (rights to purchase gasoline) to owners of registered vehicles. All vehicles in a given class would receive the same entitlement. Essential services would receive supplemental allotments of ration rights as pririty firms. Once every 3 months, ration checks would be mailed out to all vehicle registrants, allotting them a certain amount of ration rights. These checks would then be cashed at Coupon Issuance Points, where the bearer would receive ration coupons to be used at gasoline stations. Large users of gasoline could deposit their allotment checks in accounts at ration banks. Coupons or checks would be freely exchangeable in a white market. A certain percentage of the gasoline supply would be set aside in reserve for use in national emergencies. When the plan was published in the Federal Register, public comments were requested. DOE also solicited comments from private citizens, public interest groups, business and industry, state and local governments. A total of 1126 responses were reveived and these are analyzed in this paper. The second part of the report describes how the comments were classified, and gives a statistical breakdown of the major responses. The last section is a discussion and analysis of theissue raised by commenting agencies, firms, associations, and individuals. (MCW)

Rational inefficiency and non-performing loans in Chinese banking: A non-parametric bootstrapping approach

OpenAIRE

Matthews, Kent; Guo, Jianguang; Zhang, Nina

2007-01-01

The existing Chinese banking system was born out of a state-planning framework focussed on the funding of state-owned enterprises. Despite the development of a modern banking system, numerous studies of Chinese banking point to its high level of average inefficiency. Much of this inefficiency relates to the high level of non-performing loans held on the banks books. This study argues that a significant component of inefficiency relates to a defunct bureaucratic incentive structure. Using boot...

FEATURES OF SELECTION OF CAPACITOR BANKS IN ELECTRIC NETWORKS WITH INTERHARMONIC SOURCES

Directory of Open Access Journals (Sweden)

Yu. L. Sayenko

2017-10-01

Full Text Available Purpose. Development of a methodology for selecting capacitor bank parameters designed to compensate for reactive power, if there are sources of interharmonics in the electrical network. Development of a methodology for selecting the parameters of capacitor banks that are part of resonant filters of higher harmonics and interharmonics. Methodology. For the research, we used the decomposition of the non-sinusoidal voltage (current curve into the sum of the harmonic components with frequencies as multiple of the fundamental frequency - higher harmonics, and not multiple fundamental frequencies - interharmonics. Results. Expressions are obtained for checking the absence of inadmissible overloads of capacitor banks by voltage and current in the presence of voltage (current in the curve, along with higher harmonics, of the discrete spectrum of interharmonics. When selecting capacitor banks, both for reactive power compensation and for filter-compensating devices, the necessity of constructing the frequency characteristics of the input and mutual resistances of the electrical network for analyzing possible resonant phenomena is confirmed. Originality. The expediency of simplified calculation of the voltage variation at the terminals of the banks of the capacitors of the higher harmonics filters and interharmonics due to the presence of the reactor in the filters is substantiated. Practical value. The use of the proposed approaches will make it possible to resolve a number of issues related to the choice of parameters of capacitor banks in networks with nonlinear loads, including: ensuring reliable operation of capacitor banks when their parameters deviate from their nominal values, as well as deviations in the parameters of the supply network and sources of harmonic distortion; ensuring the absence of resonant phenomena at frequencies of both higher harmonics and interharmonics.

DISCRIMINANT ANALYSIS OF BANK PROFITABILITY LEVELS

Directory of Open Access Journals (Sweden)

Ante Rozga

2013-02-01

Full Text Available Discriminant analysis has been employed in this paper in order to identify and explain key features of bank profitability levels. Bank profitability is set up in the form of two categorical variables: profit or loss recorded and above or below average return on equity. Predictor variables are selected from various groups of financial indicators usually included in the empirical work on microeconomic determinants of bank profitability. The data from the Croatian banking sector is analyzed using the Enter method. General recommendations for a more profitable business of banking found in the bank management literature and existing empirical framework such as rationalization of overhead costs, asset growth, increase of non-interest income by expanding scale and scope of financial products proved to be important for classification of banks in different profitability levels. A higher market share may bring additional advantages. Classification results, canonical correlation and Wilks’ Lambda test confirm statistical significance of research results. Altogether, discriminant analysis turns out to be a suitable statistical method for solving presented research problem and moving forward from the bankruptcy, credit rating or default issues in finance.

Corporatisation, Global Banking Impact on the Australian Education System: Reflecting on Care.

Science.gov (United States)

Balon-Rotheram, Auston

Trends, such as a massive increase in globalization, neo-liberalization, and economic rationalization, have been supported and directed by major governments and major financial institutions, such as the World Bank and the International Monetary Fund (IMF). The pact between the World Bank and the IMF has created an economic juggernaut that is…

Applying Maxi-adjustment to Adaptive Information Filtering Agents

OpenAIRE

Lau, Raymond; ter Hofstede, Arthur H. M.; Bruza, Peter D.

2000-01-01

Learning and adaptation is a fundamental property of intelligent agents. In the context of adaptive information filtering, a filtering agent's beliefs about a user's information needs have to be revised regularly with reference to the user's most current information preferences. This learning and adaptation process is essential for maintaining the agent's filtering performance. The AGM belief revision paradigm provides a rigorous foundation for modelling rational and minimal changes to an age...

Rational manipulation of digital EEG: pearls and pitfalls.

Science.gov (United States)

Seneviratne, Udaya

2014-12-01

The advent of digital EEG has provided greater flexibility and more opportunities in data analysis to optimize the diagnostic yield. Changing the filter settings, sensitivity, montages, and time-base are possible rational manipulations to achieve this goal. The options to use polygraphy, video, and quantification are additional useful features. Aliasing and loss of data are potential pitfalls in the use of digital EEG. This review illustrates some common clinical scenarios where rational manipulations can enhance the diagnostic EEG yield and potential pitfalls in the process.

Effectiveness of interim stage filter in the exhaust system of glove boxes

International Nuclear Information System (INIS)

Patre, D.K.; Vangara, H.; Thanamani, S.; Gopalakrishnan, R.K.; Mhatre, Amol M.

2018-01-01

All operations in radiochemical laboratories are carried out in containment systems like Glove boxes and Fume hoods. For controlling air contamination two separate air cleaning systems are incorporated. Laboratory has general ventilation system and glove boxes are provided with a negative pressure system (NPS). Glove box exhaust air is passed through three stage filtration systems: in situ, interim and final before discharging to the atmosphere. In addition to the individual HEPA filters of each glove box, there is an interim HEPA filter bank introduced at the laboratory end. This was introduced to reduce a load on main exhaust filter system. Finally the exhaust air is discharged through the final stage HEPA filter located in the filter house through the Stack. The interim HEPA filter bank provides additional protection for the release of particulate activity and reduces load on the final stage filters. In the present work efforts have been put to validate the interim stage filter, which has been introduced, to limit the environmental release

PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Roberto Ercegovac

2017-09-01

Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

Spectral estimation for long-term evolution transceivers using low-complex filter banks

Directory of Open Access Journals (Sweden)

Thomas Schlechter

2014-06-01

Full Text Available For mobile user equipments (UEs, a careful power management is essential. Despite this fact, quite an amount of energy is wasted in today's UEs’ analogue (AFEs and digital frontends (DFEs. These are engineered for extracting the wanted signal from a spectral environment defined in the corresponding communication standards with their extremely tough requirements. These requirements define a worst-case scenario still ensuring reliable communication. In a typical receiving process the actual requirements can be considered as less critical. Knowledge about the actual environmental spectral conditions allows to reconfigure both frontends to the actual needs and to save energy. In this paper, the authors present a highly efficient generic spectrum sensing approach, which allows to collect information about the actual spectral environment of an UE. This information can be used to reconfigure both the AFE and DFE, thus endowing them with increased intelligence. A low-complex multiplier free filter bank extended by an efficient power calculation unit will be introduced. They also present simulation results, which illustrate the performance of the spectrum sensing approach and a complexity comparison with different well-known implementations is given. Furthermore, estimates on the chip area and power consumption based on a 65 nm CMOS technology database are provided, considering the Smarti4G chip as a reference.

Capital Requirements, Monetary Policy, and Aggregate Bank Lending: Theory and Empirical Evidence.

OpenAIRE

Thakor, Anjan V

1996-01-01

Capital requirements linked solely to credit risk are shown to increase equilibrium credit rationing and lower aggregate lending. The model predicts that the bank's decision to lend will cause an abnormal run-up in the borrower's stock price and that this reaction will be greater the more capital-constrained the bank. The author provides empirical support for this prediction. The model explains the recent inability of the Federal Reserve to stimulate bank lending by increasing the money suppl...

Integrating ethical values into fraud triangle theory in assessing employee fraud: Evidence from the Malaysian banking industry

Directory of Open Access Journals (Sweden)

Jamaliah Said

2017-06-01

Full Text Available This study attempts to integrate ethical values into the fraud triangle theory in the context of Malaysian banking industry. Primary data were collected through the survey of 108 questionnaires administered to the employees of the top three largest banks in Malaysia. The findings revealed that ethical values were negatively related to employee fraud, and two elements of fraud triangle theory, namely, opportunity and rationalization, were positively related to employee fraud. This implies that high ethical value is crucial to mitigate employee fraud. To minimize employee fraud, the banking industry should reduce opportunities and employee negative rationalization through strong internal control. This study contributes to literature on the occurrences of employee fraud, which is not widely discussed, especially in the context of the banking industry in developing countries.

A low-complexity interacting multiple model filter for maneuvering target tracking

KAUST Repository

Khalid, Syed Safwan; Abrar, Shafayat

2017-01-01

In this work, we address the target tracking problem for a coordinate-decoupled Markovian jump-mean-acceleration based maneuvering mobility model. A novel low-complexity alternative to the conventional interacting multiple model (IMM) filter is proposed for this class of mobility models. The proposed tracking algorithm utilizes a bank of interacting filters where the interactions are limited to the mixing of the mean estimates, and it exploits a fixed off-line computed Kalman gain matrix for the entire filter bank. Consequently, the proposed filter does not require matrix inversions during on-line operation which significantly reduces its complexity. Simulation results show that the performance of the low-complexity proposed scheme remains comparable to that of the traditional (highly-complex) IMM filter. Furthermore, we derive analytical expressions that iteratively evaluate the transient and steady-state performance of the proposed scheme, and establish the conditions that ensure the stability of the proposed filter. The analytical findings are in close accordance with the simulated results.

A low-complexity interacting multiple model filter for maneuvering target tracking

KAUST Repository

Khalid, Syed Safwan

2017-01-22

In this work, we address the target tracking problem for a coordinate-decoupled Markovian jump-mean-acceleration based maneuvering mobility model. A novel low-complexity alternative to the conventional interacting multiple model (IMM) filter is proposed for this class of mobility models. The proposed tracking algorithm utilizes a bank of interacting filters where the interactions are limited to the mixing of the mean estimates, and it exploits a fixed off-line computed Kalman gain matrix for the entire filter bank. Consequently, the proposed filter does not require matrix inversions during on-line operation which significantly reduces its complexity. Simulation results show that the performance of the low-complexity proposed scheme remains comparable to that of the traditional (highly-complex) IMM filter. Furthermore, we derive analytical expressions that iteratively evaluate the transient and steady-state performance of the proposed scheme, and establish the conditions that ensure the stability of the proposed filter. The analytical findings are in close accordance with the simulated results.

Behavior Analysis of Bank into E-Commerce under Network Externalities

Institute of Scientific and Technical Information of China (English)

CUI Jisheng; ZHUANG Lei

2017-01-01

With the advent of Internet financial innovation,many commercial banks quietly have started to enter into the E-commercial in order to prevent oligarchs from eroding financial market.From the perspective of industrial division,this paper reveals the nature of a phenomenon that E-commercial enterprises and banks have stepped into each other's field,which E-commerce of banks can give full play to network effects.Then it uues game theory to analyze the motions of banks to involve into E-commerce and the short-term competitive equilibrium of large incumbent E-commercial enterprises as well.For individual rationality,the dominant strategy of banks and E-commercial enterprises is (enter,counterattack).Considering network externalities,it constructs a competing model on banks and incumbent E-commercial enterprises and simulates competitive trends and balanced results of their behaviors,which illustrates that banks can obtain network effect after choosing E-commerce strategy.

Progress on the development of NbZr Radio frequency band reject filters

International Nuclear Information System (INIS)

Hudak, J.J.; Alper, M.; Cotte, D.; Gardner, C.G.; Harvey, A.

1983-01-01

This chapter reports on the design and testing of a tunable superconducting filter element fabricated from Nb25%Zr having a transition temperature of 11 K. The filter element will serve as a component in a multielement filter bank to be cooled to less than 10 K by a two stage Gifford-McMahon refrigerator. A radio frequency (RF) interference rejection system composed of a set of tunable superconducting filter elements is being developed to supplement conventional interference rejection tehcniques. The thermal loading performance of the 8.5 K Gifford-McMahon refrigerator is found to exceed 2 watts at 10 K on the second stage with a 10 watt loading on the first stage. A superconducting filter bank consisting of tunable narrow band RF filters applied to strong interfering signals can be used to match the dynamic range of the RF signal environment to that of the receiving system

Blood banking services in India.

Science.gov (United States)

Sardana, V N

1996-01-01

India's health care sector has made impressive strides toward providing health for all by the year 2000. That progress, however, has not been supported by a modern transfusion services network which continues to improve itself. In India, blood collection, storage, and delivery occur mainly in blood banks attached to hospitals, most of which are under central and state government controls. A significant portion of blood banking activity is also done by voluntary agencies and private sector blood banks. A study found the blood transfusion services infrastructure to be highly decentralized and lacking of many critical resources; an overall shortage of blood, especially from volunteer donors; limited and erratic testing facilities; an extremely limited blood component production/availability/use; and a shortage of health care professionals in the field of transfusion services. Infrastructural modernization and the technical upgrading of skills in the blood banks would, however, provide India with a dynamic transfusion services network. The safety of blood transfusion, the national blood safety program, HIV testing facilities, modernization of blood banks, the rational use of blood, program management, manpower development, the legal framework, voluntary blood donation, and a 1996 Supreme Court judgement on the need to focus greater attention upon the blood program are discussed.

Identify too big to fail banks and capital insurance: An equilibrium approach

OpenAIRE

Katerina Ivanov

2017-01-01

The objective of this paper is develop a rational expectation equilibrium model of capital insurance to identify too big to fail banks. The main results of this model include (1) too big to fail banks can be identified explicitly by a systemic risk measure, loss betas, of all banks in the entire financial sector; (2) the too big to fail feature can be largely justified by a high level of loss beta; (3) the capital insurance proposal benefits market participants and reduces the systemic risk; ...

Joint Source-Channel Coding by Means of an Oversampled Filter Bank Code

Directory of Open Access Journals (Sweden)

Marinkovic Slavica

2006-01-01

Full Text Available Quantized frame expansions based on block transforms and oversampled filter banks (OFBs have been considered recently as joint source-channel codes (JSCCs for erasure and error-resilient signal transmission over noisy channels. In this paper, we consider a coding chain involving an OFB-based signal decomposition followed by scalar quantization and a variable-length code (VLC or a fixed-length code (FLC. This paper first examines the problem of channel error localization and correction in quantized OFB signal expansions. The error localization problem is treated as an -ary hypothesis testing problem. The likelihood values are derived from the joint pdf of the syndrome vectors under various hypotheses of impulse noise positions, and in a number of consecutive windows of the received samples. The error amplitudes are then estimated by solving the syndrome equations in the least-square sense. The message signal is reconstructed from the corrected received signal by a pseudoinverse receiver. We then improve the error localization procedure by introducing a per-symbol reliability information in the hypothesis testing procedure of the OFB syndrome decoder. The per-symbol reliability information is produced by the soft-input soft-output (SISO VLC/FLC decoders. This leads to the design of an iterative algorithm for joint decoding of an FLC and an OFB code. The performance of the algorithms developed is evaluated in a wavelet-based image coding system.

Online Speech/Music Segmentation Based on the Variance Mean of Filter Bank Energy

Directory of Open Access Journals (Sweden)

Zdravko Kačič

2009-01-01

Full Text Available This paper presents a novel feature for online speech/music segmentation based on the variance mean of filter bank energy (VMFBE. The idea that encouraged the feature's construction is energy variation in a narrow frequency sub-band. The energy varies more rapidly, and to a greater extent for speech than for music. Therefore, an energy variance in such a sub-band is greater for speech than for music. The radio broadcast database and the BNSI broadcast news database were used for feature discrimination and segmentation ability evaluation. The calculation procedure of the VMFBE feature has 4 out of 6 steps in common with the MFCC feature calculation procedure. Therefore, it is a very convenient speech/music discriminator for use in real-time automatic speech recognition systems based on MFCC features, because valuable processing time can be saved, and computation load is only slightly increased. Analysis of the feature's speech/music discriminative ability shows an average error rate below 10% for radio broadcast material and it outperforms other features used for comparison, by more than 8%. The proposed feature as a stand-alone speech/music discriminator in a segmentation system achieves an overall accuracy of over 94% on radio broadcast material.

Online Speech/Music Segmentation Based on the Variance Mean of Filter Bank Energy

Science.gov (United States)

Kos, Marko; Grašič, Matej; Kačič, Zdravko

2009-12-01

This paper presents a novel feature for online speech/music segmentation based on the variance mean of filter bank energy (VMFBE). The idea that encouraged the feature's construction is energy variation in a narrow frequency sub-band. The energy varies more rapidly, and to a greater extent for speech than for music. Therefore, an energy variance in such a sub-band is greater for speech than for music. The radio broadcast database and the BNSI broadcast news database were used for feature discrimination and segmentation ability evaluation. The calculation procedure of the VMFBE feature has 4 out of 6 steps in common with the MFCC feature calculation procedure. Therefore, it is a very convenient speech/music discriminator for use in real-time automatic speech recognition systems based on MFCC features, because valuable processing time can be saved, and computation load is only slightly increased. Analysis of the feature's speech/music discriminative ability shows an average error rate below 10% for radio broadcast material and it outperforms other features used for comparison, by more than 8%. The proposed feature as a stand-alone speech/music discriminator in a segmentation system achieves an overall accuracy of over 94% on radio broadcast material.

Harmonic filter design consideration for a tire-rubber factory

Energy Technology Data Exchange (ETDEWEB)

Zebardast, A. [Azad Univ., Tehran (Iran, Islamic Republic of). Abhar Branch]|[Sharif Univ., Tehran (Iran, Islamic Republic of); Mokhtari, H. [Azad Univ., Tehran (Iran, Islamic Republic of)

2005-07-01

Nonlinear loads and arc furnace loads are the main sources of harmonic currents in power distribution systems. Harmonic currents can cause reductions in system efficiency, and shorten the lifespan of transformers and capacitor banks. This paper provided details of a filter designed to attenuate harmonic currents at a tire company in Iran. The tire company was supplied by 3 distribution transformers and an emergency transformer. Main supply was through a 132 kV/20 kV transformer, which was connected to 2 A and B stations. The AC/DC drivers generated harmonics. Harmonic measurements were performed to determine the type and size of the required filters. A summary of site harmonic measurements was provided. A passive filter was placed at a medium voltage location. A sensitivity analysis was then performed in order to assess loading effects on filter performance. The analysis was performed on all possible configurations in the plant, including load change, capacitor bank step change, and transformer energization. Resonance conditions were also examined. Results showed that attention must be paid to the filter component rating in addition to potential resonant conditions. It was concluded that resonant conditions alter when system operating conditions change. 5 refs., 7 figs.

Equiripple Digital Filter in Quadrature Mirror Filter Banks for Nuclear Magnetic Tomography

Czech Academy of Sciences Publication Activity Database

Gescheidtová, E.; Kubásek, R.; Smékal, Z.; Bartušek, Karel

2007-01-01

Roč. 37, č. 1 (2007), s. 141-149 ISSN 1738-6438 R&D Projects: GA ČR(CZ) GA102/07/0389; GA ČR(CZ) GA102/07/1086 Institutional research plan: CEZ:AV0Z20650511 Keywords : wavelet transform * digital filter * MR tomography Subject RIV: JA - Electronics ; Optoelectronics, Electrical Engineering

Utilization of banked blood in pediatric surgical procedures in ...

African Journals Online (AJOL)

... quantities of blood but utilizing only little is tantamount to inadequate use and delays surgical intervention. Indirectly, it increases cost of surgery. There is need to rationalize our blood ordering habits without causing harm to patients. Key words: Banked Blood, Calabar – Nigeria, pediatrics, surgical procedures, utilization ...

Design and application of finite impulse response digital filters

International Nuclear Information System (INIS)

Miller, T.R.; Sampathkumaran, K.S.

1982-01-01

The finite impulse response (FIR) digital filter is a spatial domain filter with a frequency domain representation. The theory of the FIR filter is presented and techniques are described for designing FIR filters with known frequency response characteristics. Rational design principles are emphasized based on characterization of the imaging system using the modulation transfer function and physical properties of the imaged objects. Bandpass, Wiener, and low-pass filters were designed and applied to 201 Tl myocardial images. The bandpass filter eliminates low-frequency image components that represent background activity and high-frequency components due to noise. The Wiener, or minimum mean square error filter 'sharpens' the image while also reducing noise. The Wiener filter illustrates the power of the FIR technique to design filters with any desired frequency reponse. The low-pass filter, while of relative limited use, is presented to compare it with a popular elementary 'smoothing' filter. (orig.)

Rational approximations for tomographic reconstructions

International Nuclear Information System (INIS)

Reynolds, Matthew; Beylkin, Gregory; Monzón, Lucas

2013-01-01

We use optimal rational approximations of projection data collected in x-ray tomography to improve image resolution. Under the assumption that the object of interest is described by functions with jump discontinuities, for each projection we construct its rational approximation with a small (near optimal) number of terms for a given accuracy threshold. This allows us to augment the measured data, i.e., double the number of available samples in each projection or, equivalently, extend (double) the domain of their Fourier transform. We also develop a new, fast, polar coordinate Fourier domain algorithm which uses our nonlinear approximation of projection data in a natural way. Using augmented projections of the Shepp–Logan phantom, we provide a comparison between the new algorithm and the standard filtered back-projection algorithm. We demonstrate that the reconstructed image has improved resolution without additional artifacts near sharp transitions in the image. (paper)

Modeling Change of Topographic Spatial Structures with DEM Resolution Using Semi-Variogram Analysis and Filter Bank

Directory of Open Access Journals (Sweden)

Chunmei Wang

2016-06-01

Full Text Available In this paper, the way topographic spatial information changes with resolution was investigated using semi-variograms and an Independent Structures Model (ISM to identify the mechanisms involved in changes of topographic parameters as resolution becomes coarser or finer. A typical Loess Hilly area in the Loess Plateau of China was taken as the study area. DEMs with resolutions of 2.5 m and 25 m were derived from topographic maps with map scales of 1:10,000 using ANUDEM software. The ISM, in which the semi-variogram was modeled as the sum of component semi-variograms, was used to model the measured semi-variogram of the elevation surface. Components were modeled using an analytic ISM model and corresponding landscape components identified using Kriging and filter bank analyses. The change in the spatial components as resolution became coarser was investigated by modeling upscaling as a low pass linear filter and applying a general result to obtain an analytic model for the scaling process in terms of semi-variance. This investigation demonstrated how topographic structures could be effectively characterised over varying scales using the ISM model for the semi-variogram. The loss of information in the short range components with resolution is a major driver for the observed change in derived topographic parameters such as slope. This paper has helped to quantify how information is distributed among scale components and how it is lost in natural terrain surfaces as resolution becomes coarser. It is a basis for further applications in the field of geomorphometry.

Methods for Signal Filtering in NMR Tomography

Czech Academy of Sciences Publication Activity Database

Gescheidtová, E.; Kubásek, R.; Bartušek, Karel

2006-01-01

Roč. 4, č. 1 (2006), 3404:1-10 ISSN 1738-9682 Institutional research plan: CEZ:AV0Z20650511 Keywords : FID signal * pre-emphasis * gradient pulse * bank of digital filters * threshold Subject RIV: JA - Electronics ; Optoelectronics, Electrical Engineering

Risk Management in the banking and insurance sector

Directory of Open Access Journals (Sweden)

Ibrahim Mala

2018-03-01

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

On the loss function of the Bank of Canada: A note

DEFF Research Database (Denmark)

Stadtmann, Georg; Pierdzioch; Ruelke

2012-01-01

Based on the approach advanced by Elliott et al. [Elliott, G., Komunjer, I., Timmermann, A., 2005. Estimation and testing of forecast rationality under flexible loss. Review of Economic Studies 72, 1107–1125], we studied whether the inflation and output growth projections published by the Bank...... of Canada are consistent with an asymmetric loss function. Current-year projections provide no signs of asymmetry, but next-year projections do. The hypothesis of rationality of the projections can be rejected under symmetric loss, but not under asymmetric loss....

Central Bank Communication and the Yield Curve

DEFF Research Database (Denmark)

Leombroni, Matteo; Vedolin, Andrea; Venter, Gyuri

countries. We study two explanations for this finding, revelation of the ECB’s private information and credit risk, and argue that neither channel can explain the effect on yield spreads. Motivated by this, we consider an alternative explanation in which central bank communication affects the aggregate...... demand due to the presence of reaching-for-yield investors. We show that a resulting risk premium channel helps to rationalize our findings....

THE ROLE OF MARKETING AND BRAND IN BANKING

Directory of Open Access Journals (Sweden)

Svetlana Vukotić

2015-10-01

Full Text Available One of the key tasks for modern banks is finding ways and methods for creating sustainable competition advantage in increasingly competitive financial markets. The role of marketing within this task is beyond doubt, especially in bank services quality area. The quality is reached through putting clients in the epicentre and by giving them special treatment. Marketing has been a little slow in taking part in this financial, that is, banking area. This lag is being made up for by more personal attitudes to clients. Information technology application made this way of functioning easier, it created a data base which included some important personal dates in clients’ lives. The ambition to be different is closely connected to brand creation. Once it has been determined what makes a brand, it is necessary to express it through marketing activities. This very relation is the foundation for marketing and brand relationship. These are the main topics of this paper about banking sector specific points. Brands offer rational as well as emotional benefit. It will be even more stressed in the future.

CSR REPORTING IN BANKS - THE ROMANIAN EVIDENCE

Directory of Open Access Journals (Sweden)

Georgiana-Loredana FRECEA

2016-06-01

Full Text Available The dynamics of the financial markets and the significant interrelationships with broader concepts as globalization or sustainable development, have led in recent years to the development of a multidimensional approach of CSR. The credibility of the financial system is based on the financial institutions image given by representative stakeholders. They filter in an objective way the ethical responsibilities of the banks and the legal ones and give them the legitimacy to operate on the market. In order to obtain a realistic framework of CSR in Romanian banks, the article will focus on the transparency of CSR information. The confidence crisis manifested in the banking institutions can best be overcome through an authentic reporting system, which is able to fulfill a set of requirements, from credibility to completeness. This paper highlights the main characteristics of the CSR reports provided by the Romanian banking institutions, based on the stakeholder theory and using international reporting frameworks as Global Reporting Initiative.

Choice of filters for the detection of gravitational waves from coalescing binaries 2: Detection in coloured noise

International Nuclear Information System (INIS)

Dhurandhar, S.V.; Sathyaprakash, B.S.

1992-10-01

We discuss the problem of detecting gravitational wave signals embedded in coloured noise from coalescing binary systems. The signal is assumed to be Newtonian and matched filtering techniques are employed to filter out the signal. The problem is discussed at first for a general power spectral density of the noise and then specific numerical results are obtained for the standard recycling case. Since the signal parameters are unknown, a bank of filters is needed to carry out the signal detection. The number of filters in a bank, the spacing between filters etc. is obtained for different values of the minimum strength of the signal relative to the threshold. We also present an approximate analytical formula which relates the spacing between filters to the minimum strength. Finally, we discuss the problem of detection probabilities given a data train. (author). 21 refs, 2 figs, 3 tabs

Why are banks in Africa hoarding reserves? An empirical investigation of the precautionary motive

Directory of Open Access Journals (Sweden)

P.V. Nketcha Nana

2014-01-01

Full Text Available For two decades now, many banks in Africa have been holding large amounts of liquid assets. Prevailing explanations of this phenomenon rely on credit rationing models. Yet, while modern models of financial intermediation show that high exposure to liquidity risk may prompt banks to hoard large amounts of (precautionary liquid reserves, this hypothesis has often been overlooked. We try to fill the gap in this paper. More specifically, we hypothesize and confirm that bank liquidity hoarding in Africa reflects, at least partially, a precautionary strategy to guard against the risks associated with liquidity services to depositors.

Central Bank Communication and the Yield Curve

DEFF Research Database (Denmark)

Leombroni, Matteo; Vedolin, Andrea; Venter, Gyuri

versus peripheral countries. We study two explanations for this finding, revelation of the ECB's private information and credit risk, and argue that neither channel can explain the effect on yield spreads. Motivated by this, we consider an alternative explanation in which central bank communication can...... induce demand shocks for bonds due to the presence of reaching-for-yield investors. We show that a resulting risk premium channel helps to rationalize our findings....

Optimized filtering of regional and teleseismic seismograms: results of maximizing SNR measurements from the wavelet transform and filter banks

Energy Technology Data Exchange (ETDEWEB)

Leach, R.R.; Schultz, C.; Dowla, F.

1997-07-15

Development of a worldwide network to monitor seismic activity requires deployment of seismic sensors in areas which have not been well studied or may have from available recordings. Development and testing of detection and discrimination algorithms requires a robust representative set of calibrated seismic events for a given region. Utilizing events with poor signal-to-noise (SNR) can add significant numbers to usable data sets, but these events must first be adequately filtered. Source and path effects can make this a difficult task as filtering demands are highly varied as a function of distance, event magnitude, bearing, depth etc. For a given region, conventional methods of filter selection can be quite subjective and may require intensive analysis of many events. In addition, filter parameters are often overly generalized or contain complicated switching. We have developed a method to provide an optimized filter for any regional or teleseismically recorded event. Recorded seismic signals contain arrival energy which is localized in frequency and time. Localized temporal signals whose frequency content is different from the frequency content of the pre-arrival record are identified using rms power measurements. The method is based on the decomposition of a time series into a set of time series signals or scales. Each scale represents a time-frequency band with a constant Q. SNR is calculated for a pre-event noise window and for a window estimated to contain the arrival. Scales with high SNR are used to indicate the band pass limits for the optimized filter.The results offer a significant improvement in SNR particularly for low SNR events. Our method provides a straightforward, optimized filter which can be immediately applied to unknown regions as knowledge of the geophysical characteristics is not required. The filtered signals can be used to map the seismic frequency response of a region and may provide improvements in travel-time picking, bearing estimation

Novel signal-dependent filter bank method for identification of multiple basal ganglia nuclei in Parkinsonian patients

Science.gov (United States)

Pinzon-Morales, R. D.; Orozco-Gutierrez, A. A.; Castellanos-Dominguez, G.

2011-06-01

Microelectrode recordings are a valuable tool for assisting localization targets during deep brain stimulation procedures in Parkinson's disease neurosurgery. Attempts to automate and standardize this process have been limited by variability in patient neurophysiology and strong dynamics of microelectrode recordings. In this paper, a methodology for the identification of basal ganglia nuclei is presented that is based on a signal-dependent filter bank method using microelectrode recordings. The method is a customized realization of the discrete wavelet transform via the lifting scheme that is optimally tuned by genetic algorithms. Using this method, unique mother wavelet functions that exhibit an adaptable spectrum to the microelectrode recording dynamic are generated. Additionally, by extracting morphological features from the space-transformed microelectrode recording, it is possible to integrate them into three-dimensional (3D) feature spaces with maximum class separability. Finally, high discriminant feature spaces are fed into basic classifiers to recognize up to four basal nuclei. Comparison with several existing wavelets highlights the characteristics of new mother wavelets. Additionally, classification results show that identification of addressed nuclei in the basal ganglia can be performed with 95% confidence.

Decision Making Models in the Financial Market: A Study in the Light of Prospect Theory and Limited Rationality

OpenAIRE

Alex Diego Souza Queiroz; Marilia Oliveira dos Reis; Joseilton Silveira da Rocha

2016-01-01

The objective of this study was to determine whether the decision-making models present in Prospect Theory and the theory of limited rationality could help managers of financial institutions identify and control the emotions and rational limitations involved in the credit granting process in the financial market. To this end, a study was carried out with 17 bank managers as experimental group and 31 other managers from different areas as control group. Adopting a quantitative approach to rese...

Auditory DUM neurons in a bush-cricket: A filter bank for carrier frequency.

Science.gov (United States)

Lefebvre, Paule Chloé; Seifert, Marvin; Stumpner, Andreas

2018-05-01

In bush-crickets the first stage of central auditory processing occurs in the prothoracic ganglion. About 15 to 50 different auditory dorsal unpaired median neurons (DUM neurons) exist but they have not been studied in any detail. These DUM neurons may be classified into seven different morphological types, although, there is only limited correlation between morphology and physiological responses. Ninety seven percent of the stained neurons were local, 3% were intersegmental. About 90% project nearly exclusively into the auditory neuropile, and 45% into restricted areas therein. Lateral extensions overlap with the axons of primary auditory sensory neurons close to their branching point. DUM neurons are typically tuned to frequencies covering the range between 2 and 50 kHz and thereby may establish a filter bank for carrier frequency. Less than 10% of DUM neurons have their branches in adjacent and more posterior regions of the auditory neuropile and are mostly tuned to low frequencies, less sensitive than the other types and respond to vibration. Thirty five percent of DUM show indications of inhibition, either through reduced responses at higher intensities, or by hyperpolarizing responses to sound. Most DUM neurons produce phasic spike responses preferably at higher intensities. Spikes may be elicited by intracellular current injection. Preliminary data suggest that auditory DUM neurons have GABA as transmitter and therefore may inhibit other auditory interneurons. From all known local auditory neurons, only DUM neurons have frequency specific responses which appear suited for local processing relevant for acoustic communication in bush crickets. © 2018 Wiley Periodicals, Inc.

A template bank to search for gravitational waves from inspiralling compact binaries: I. Physical models

International Nuclear Information System (INIS)

Babak, S; Balasubramanian, R; Churches, D; Cokelaer, T; Sathyaprakash, B S

2006-01-01

Gravitational waves from coalescing compact binaries are searched for using the matched filtering technique. As the model waveform depends on a number of parameters, it is necessary to filter the data through a template bank covering the astrophysically interesting region of the parameter space. The choice of templates is defined by the maximum allowed drop in signal-to-noise ratio due to the discreteness of the template bank. In this paper we describe the template-bank algorithm that was used in the analysis of data from the Laser Interferometer Gravitational Wave Observatory (LIGO) and GEO 600 detectors to search for signals from binaries consisting of non-spinning compact objects. Using Monte Carlo simulations, we study the efficiency of the bank and show that its performance is satisfactory for the design sensitivity curves of ground-based interferometric gravitational wave detectors GEO 600, initial LIGO, advanced LIGO and Virgo. The bank is efficient in searching for various compact binaries such as binary primordial black holes, binary neutron stars, binary black holes, as well as a mixed binary consisting of a non-spinning black hole and a neutron star

Rationality of limited rationality : some aggregate implications

OpenAIRE

Uri M. Possen; Mikko Puhakka

1994-01-01

In this paper we let economic agents choose whether to become fully rational or stay boundedly rational. Boundedly rational agents are less sophisticated in their information processing abilities. It is costly to acquire information needed to become fully rational, and thus not all agents are willing to incur those costs. We then explore the aggregate effects of endogenizing the decision whether the agent should or should not become fully rational in handling information. Since fully and boun...

Decision Making Models in the Financial Market: A Study in the Light of Prospect Theory and Limited Rationality

Directory of Open Access Journals (Sweden)

Alex Diego Souza Queiroz

2016-09-01

Full Text Available The objective of this study was to determine whether the decision-making models present in Prospect Theory and the theory of limited rationality could help managers of financial institutions identify and control the emotions and rational limitations involved in the credit granting process in the financial market. To this end, a study was carried out with 17 bank managers as experimental group and 31 other managers from different areas as control group. Adopting a quantitative approach to research, questionnaires were sent electronically to a number of bank branches. Five scenarios were presented, seeking to identify the influence of behavioral factors on decisions in situations of risk. In addition, emotional triggers were included in some questions in order to verify the influence of this component on responses. Results were treated with SPSS software, using descriptive analysis of data and the statistical test Chi-square (χ². Results observed for the five scenarios indicated that emotions and limited rationality in complex environments tend to influence managers in their decision-making process. The study evidence suggests differences in decision-making in accordance with how the problem is presented.

Tracking of multiple objects with time-adjustable composite correlation filters

Science.gov (United States)

Ruchay, Alexey; Kober, Vitaly; Chernoskulov, Ilya

2017-09-01

An algorithm for tracking of multiple objects in video based on time-adjustable adaptive composite correlation filtering is proposed. For each frame a bank of composite correlation filters are designed in such a manner to provide invariance to pose, occlusion, clutter, and illumination changes. The filters are synthesized with the help of an iterative algorithm, which optimizes the discrimination capability for each object. The filters are adapted to the objects changes online using information from the current and past scene frames. Results obtained with the proposed algorithm using real-life scenes are presented and compared with those obtained with state-of-the-art tracking methods in terms of detection efficiency, tracking accuracy, and speed of processing.

Designing Asynchronous Circuits for Low Power: An IFIR Filter

DEFF Research Database (Denmark)

Nielsen, Lars Skovby; Sparsø, Jens

1999-01-01

This paper addresses the design of asynchronous circuits for low power through an example: a filter bank for a digital hearing aid. The asynchronous design re-implements an existing synchronous circuit which is used in a commercial product. For comparison, both designs have been fabricated...

The biotic sample bank of Chernobyl nuclear accident

International Nuclear Information System (INIS)

Li Yu; Min Rui; Cai Jianming

2006-01-01

Objective: To built a simple and easy biologic sample bank from irradiated people in nuclear accident, for the long time research of biological effect of low dose ionization radiation on people. Methods: The blood sample is fixed on a piece of filter paper rand sealed up in plastic bottle for keeping, blood sample scribble on glass lice, fixed and dyed as routine clinic examination, and still, reserve a slice of hair of the examined people. Results: Having built a biologic sample bank which from 1162 human body. The samples are come from 958 liquidators of Chernobyl nuclear accident, 46 people in other nuclear accident and 158 people as control groups. It is also having much information details. Conclusions: If the biologic sample bank is combined with the modern bimolecular technique, maybe have much meaningful for the theory and practice of radiobiology. (authors)

Efficiency of template banks for binary black-hole detection

International Nuclear Information System (INIS)

Cokelaer, Thomas; Babak, Stas; Sathyaprakash, B S

2004-01-01

In the framework of matched filtering theory, which is the most promising method for the detection of gravitational waves emitted by coalescing binaries, we report on the ability of a template bank to catch a simulated binary black-hole gravitational wave signal. If we suppose that the incoming signal waveform is known a priori, then both the (simulated) signal and the templates can be based on the same physical model and therefore the template bank can be optimal in the sense of Wiener filtering. This turns out to be true for the case of neutron star binaries but not necessarily for the black-hole case. When the templates and the signal are based on different physical models the detection bank may still remain efficient. Nonetheless, it might be a judicious choice to use a phenomenological template family such as the so-called BCV templates to catch all the different physical models. In the first part of that report, we illustrate in a non-exhaustive study, by using Monte Carlo simulations, the efficiency of a template bank based on the stationary phase approximation and show how it catches simulated signals based on the same physical model but fails to catch signals built using other models (Pade, EOB, ...) especially in the case of high mass binaries. In the second part, we construct a BCV-template bank and test its validity by injecting simulated signals based on different physical models such as the PN-approximants, Pade-approximant and the effective one-body method. We show that it is suitable for a search pipeline since it gives a match higher than 95% for all the different physical models. The range of individual mass which has been used is [3-20]M o-dot

Software Organization in Student Data Banks for Research and Evaluation: Four Institutional Models.

Science.gov (United States)

Friedman, Charles P.

Student data banks for ongoing research and evaluation have been implemented by a number of professional schools. Institutions selecting software designs for the establishment of such systems are often faced with making their choice before all the possible uses of the system are determined. Making software design decisions involves "rational"…

Rational and timely haemostatic interventions following cardiac surgery - coagulation factor concentrates or blood bank products.

Science.gov (United States)

Tang, Mariann; Fenger-Eriksen, Christian; Wierup, Per; Greisen, Jacob; Ingerslev, Jørgen; Hjortdal, Vibeke; Sørensen, Benny

2017-06-01

Cardiac surgery may cause a serious coagulopathy leading to increased risk of bleeding and transfusion demands. Blood bank products are commonly first line haemostatic intervention, but has been associated with hazardous side effect. Coagulation factor concentrates may be a more efficient, predictable, and potentially a safer treatment, although prospective clinical trials are needed to further explore these hypotheses. This study investigated the haemostatic potential of ex vivo supplementation of coagulation factor concentrates versus blood bank products on blood samples drawn from patients undergoing cardiac surgery. 30 adults were prospectively enrolled (mean age=63.9, females=27%). Ex vivo haemostatic interventions (monotherapy or combinations) were performed in whole blood taken immediately after surgery and two hours postoperatively. Fresh-frozen plasma, platelets, cryoprecipitate, fibrinogen concentrate, prothrombin complex concentrate (PCC), and recombinant FVIIa (rFVIIa) were investigated. The haemostatic effect was evaluated using whole blood thromboelastometry parameters, as well as by thrombin generation. Immediately after surgery the compromised maximum clot firmness was corrected by monotherapy with fibrinogen or platelets or combination therapy with fibrinogen. At two hours postoperatively the coagulation profile was further deranged as illustrated by a prolonged clotting time, a reduced maximum velocity and further diminished maximum clot firmness. The thrombin lagtime was progressively prolonged and both peak thrombin and endogenous thrombin potential were compromised. No monotherapy effectively corrected all haemostatic abnormalities. The most effective combinations were: fibrinogen+rFVIIa or fibrinogen+PCC. Blood bank products were not as effective in the correction of the coagulopathy. Coagulation factor concentrates appear to provide a more optimal haemostasis profile following cardiac surgery compared to blood bank products. Copyright © 2017

Cressey’s fraud triangle (1953 and agency theory: study applied to brazilian banking institutions

Directory of Open Access Journals (Sweden)

Michele Rílany Rodrigues Machado

2017-08-01

Full Text Available This research examined if Cressey’s (1953 fraud triangle and the agency theory, jointly, enables investigate corporate fraud occurrence in Brazilian banking institutions. It was formulated  six research hypotheses were segregated in fraud triangle – pressure,  opportunity and rationalization – and measured by variables taken from the agency theory, criminology and empirical papers on corporate fraud. The identification of probability of fraud occurrence was operationalized from multinomial logistic model, applied to data of 44 banking, for the period between January 2001 and December 2012. For element pressure, hypotheses No. 01 was confirmed, since this showed that the lower an institution’s previous performance, the greater probability there is of fraudulent events occurring in the future.  In the element of opportunity, the hypothesis No. 03 was confirmed, which showed that low corporate governance indicators increased the possibility of fraud occurrences.  In rationalization element, the hypothesis No. 08 was confirmed, therefore, the predominance of women in management reduces the probability of fraud.  We thereby conclude that Cressey’s Triangle, when combined with the theory of agency is an appropriate research instrument to use when carrying out an investigation into corporate fraud occurrence in banking institutions.

The design of two channel IIR QMF bank directly from analogue prototype

Science.gov (United States)

Stamenković, N.; Stojanovuć, V.

2011-07-01

This article presents a new method for designing two-band quadrature mirror filter (QMF) banks. Analytic solution of the filter coefficients is obtained in the s-domain. The characteristic function of the new filter has one multiple pole in the pass-band and one multiple zero in the stop-band. As a consequence, the transfer function has a single ripple, both in the pass-band and in the stop-band. Lowpass and highpass filter pair is double complementary in the s-plane. The gain responses of the lowpass and highpass filter pair at the crossover frequency are approximately 3 dB below their maximum values. Using the bilinear transformation, the analogue filter transfer function is mapped into the corresponding digital filter transfer function, so that the analogue crossover frequency is mapped into the digital frequency corresponding to ω = π/2. The filter characteristic exhibits Butterworth-like behaviour near the origin and Chebyshev-like behaviour (of the third order) near the pass-band edge.

ENVIRONMENTAL TECHNOLOGY VERIFICATION, TEST REPORT OF CONTROL OF BIOAEROSOLS IN HVAC SYSTEMS, FILTRATION GROUP, AEROSTAR FP-98 MINIPLEAT V-BLANK FILTER

Science.gov (United States)

The Environmental Technology Verification report discusses the technology and performance of the AeroStar FP-98 Minipleat V-Bank Filter air filter for dust and bioaerosol filtration manufactured by Filtration Group. The pressure drop across the filter was 137 Pa clean and 348 Pa ...

Experimental research on stability of covering blocks for sloping banks

International Nuclear Information System (INIS)

Okuno, Toshihiko

1988-01-01

In the case of constructing thermal and nuclear power stations facing open seas, usually the harbors for unloading fuel and others are constructed. In Japan, breakwaters are installed in the places of relatively shallow depth less than 20 m, and in such case, the sloping banks having the covering material of wave-controlling blocks made of concrete are mostly adopted as those are excellent in their function and economical efficiency, and are advantageous in the maintenance and management. Sloping banks are of such type that wave-controlling blocks cover the vertical front face of nonpermeating caissons, and the same type was adopted for breakwaters and others in Onagawa Nuclear Power Station, Tohoku Electric Power Co., Inc. As for the wave-controlling blocks, tetrapods and shake blocks were used. One of the most important problems in the design of sloping banks is how to estimate the stability of wave controlling blocks. In this paper, the results of the examination by hydraulic model experiment on the stability of covering blocks are reported, which are useful as the basic data for the rational and economical design of sloping banks. The experimental setup and a model bank, the generation of experimental waves and their characteristics, the experimental conditions and experimental method, and the results are reported. (Kako, I.)

Major Depression Detection from EEG Signals Using Kernel Eigen-Filter-Bank Common Spatial Patterns.

Science.gov (United States)

Liao, Shih-Cheng; Wu, Chien-Te; Huang, Hao-Chuan; Cheng, Wei-Teng; Liu, Yi-Hung

2017-06-14

Major depressive disorder (MDD) has become a leading contributor to the global burden of disease; however, there are currently no reliable biological markers or physiological measurements for efficiently and effectively dissecting the heterogeneity of MDD. Here we propose a novel method based on scalp electroencephalography (EEG) signals and a robust spectral-spatial EEG feature extractor called kernel eigen-filter-bank common spatial pattern (KEFB-CSP). The KEFB-CSP first filters the multi-channel raw EEG signals into a set of frequency sub-bands covering the range from theta to gamma bands, then spatially transforms the EEG signals of each sub-band from the original sensor space to a new space where the new signals (i.e., CSPs) are optimal for the classification between MDD and healthy controls, and finally applies the kernel principal component analysis (kernel PCA) to transform the vector containing the CSPs from all frequency sub-bands to a lower-dimensional feature vector called KEFB-CSP. Twelve patients with MDD and twelve healthy controls participated in this study, and from each participant we collected 54 resting-state EEGs of 6 s length (5 min and 24 s in total). Our results show that the proposed KEFB-CSP outperforms other EEG features including the powers of EEG frequency bands, and fractal dimension, which had been widely applied in previous EEG-based depression detection studies. The results also reveal that the 8 electrodes from the temporal areas gave higher accuracies than other scalp areas. The KEFB-CSP was able to achieve an average EEG classification accuracy of 81.23% in single-trial analysis when only the 8-electrode EEGs of the temporal area and a support vector machine (SVM) classifier were used. We also designed a voting-based leave-one-participant-out procedure to test the participant-independent individual classification accuracy. The voting-based results show that the mean classification accuracy of about 80% can be achieved by the KEFP

Extended Kalman filtering for the detection of damage in linear mechanical structures

Science.gov (United States)

Liu, X.; Escamilla-Ambrosio, P. J.; Lieven, N. A. J.

2009-09-01

This paper addresses the problem of assessing the location and extent of damage in a vibrating structure by means of vibration measurements. Frequency domain identification methods (e.g. finite element model updating) have been widely used in this area while time domain methods such as the extended Kalman filter (EKF) method, are more sparsely represented. The difficulty of applying EKF in mechanical system damage identification and localisation lies in: the high computational cost, the dependence of estimation results on the initial estimation error covariance matrix P(0), the initial value of parameters to be estimated, and on the statistics of measurement noise R and process noise Q. To resolve these problems in the EKF, a multiple model adaptive estimator consisting of a bank of EKF in modal domain was designed, each filter in the bank is based on different P(0). The algorithm was iterated by using the weighted global iteration method. A fuzzy logic model was incorporated in each filter to estimate the variance of the measurement noise R. The application of the method is illustrated by simulated and real examples.

Rationalization: A Bibliography.

Science.gov (United States)

Pedrini, D. T.; Pedrini, Bonnie C.

Rationalization was studied by Sigmund Freud and was specifically labeled by Ernest Jones. Rationalization ought to be differentiated from rational, rationality, logical analysis, etc. On the one hand, rationalization is considered a defense mechanism, on the other hand, rationality is not. Haan has done much work with self-report inventories and…

Rational Decision Making as Performative Praxis: Explaining Rationality's Éternel Retour

OpenAIRE

Cabantous, L.; Gond, J-P.

2011-01-01

Organizational theorists built their knowledge of decision making through a progressive critique of rational choice theory. Their positioning towards rationality, however, is at odds with the observation of rationality persistence in organizational life. This paper addresses this paradox. It proposes a new perspective on rationality that allows the theorizing of the production of rational decisions by organizations. To account for rationality's éternel retour, we approach rational decision ma...

Spectral filtering for CW searches

International Nuclear Information System (INIS)

D'Antonio, S; Frasca, S; Palomba, C

2009-01-01

In the hierarchical all-sky search method for periodic sources developed in the Virgo Collaboration, after the first incoherent step based on the Hough transform we have a number of candidates that must be analyzed using a much longer time baseline periodogram. In this step, we correct the signal power spread due to the Earth rotation, which becomes relevant for observation times greater than ∼1 sidereal day, using a bank of matched filters on the power spectrum. Describing the wave as the combination of a linearly polarized and a circularly polarized component, the spread depends on two parameters: the polarization angle of the linearly polarized wave component and the percentage of linear polarization. Here we discuss in detail the issue of how many filters must be built to properly cover the parameter space and give some implementation details of the procedure.

A new method for in-situ filter testing using pulses of aerosol and photometric detection with computer control

International Nuclear Information System (INIS)

Marshall, P.R.C.; Bosley, R.B.

1993-01-01

This paper describes a new technique, developed at the Harwell Laboratory, for the in-situ testing of High Efficiency Particulate Air (HEPA) filters using multiple pulses of test aerosol. The pulse test apparatus consists of a modified forward light scattering photometer coupled to a portable micro-computer fitted with an external data acquisition and control card. The micro-computer switches an aerosol generator on and off via an external relay driver unit. Using this apparatus the filter bank is challenged by a small number of equal length, constant concentration, pulses of aerosol at timed intervals. The aerosol concentration data upstream of the filter bank is logged, to disk, by the computer. The process is then repeated for the downstream concentration with the photometer gain increased to give maximum sensitivity. The collected data is analysed using a computer spread-sheet package; the recorded aerosol pulses are combined, integrated and the background data subtracted; the downstream data is then divided by the upstream pulse data to give the filter penetration. Using this technique the sensitivity of the in-situ filter test has been greatly improved, penetrations approaching 10 -5 % can now be measured, allowing HEPA filters mounted in series to be successfully tested. In addition, filter loading is reduced considerably

Identify too big to fail banks and capital insurance: An equilibrium approach

Directory of Open Access Journals (Sweden)

Katerina Ivanov

2017-09-01

Full Text Available The objective of this paper is develop a rational expectation equilibrium model of capital insurance to identify too big to fail banks. The main results of this model include (1 too big to fail banks can be identified explicitly by a systemic risk measure, loss betas, of all banks in the entire financial sector; (2 the too big to fail feature can be largely justified by a high level of loss beta; (3 the capital insurance proposal benefits market participants and reduces the systemic risk; (4 the implicit guarantee subsidy can be estimated endogenously; and lastly, (5 the capital insurance proposal can be used to resolve the moral hazard issue. We implement this model and document that the too big to fail issue has been considerably reduced in the pro-crisis period. As a result, the capital insurance proposal could be a useful macro-regulation innovation policy tool

THE RISKS OF SMOKING FILTERED AND NON-FILTERED CLOVE CIGARETTE ON THE PERIODONTAL DISEASE AMONG TANJONG PRIOK HARBOR WORKERS IN JAKARTA

Directory of Open Access Journals (Sweden)

Anton Rahardjo

2015-06-01

Full Text Available Most studies reported that tobacco negatively affect periodontal tissue, although some authors have failed to demonstrate such relationship. Those studies were done mostly with subjects smoking white cigarette. The aim of this study was to determine the relationship between periodontal disease and type of kretek smokers and the risk between filtered and non-filtered smokers on the periodontal diseases. Smokers subjects were 227 healthy man smokers aged 20 – 27 years, who lived in the condominium of Cilinicing. Cross sectional study was designed using questionnaire. A pressure-controlled periodontal probe for assessing the Plaque Index (PI, Bleeding on Probing (BOP, Probing Attachment Level (PAL and Pocket Depth (PD for each tooth (6 sites per tooth except the third molar. The periodontal disease was defined as PAL > 6mm. The results showed that there was no significant differences between filtered smoking and non-filtered smoking with clove cigarette on the periodontal disease measured by BOP (p=0.265. The Prevalence Ration of the clove cigarette and periodontal disease was 1.28 (95% CI, which means that smoking clove cigarette with or without filtered bith have risk to periodontal disease.

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.

Major Depression Detection from EEG Signals Using Kernel Eigen-Filter-Bank Common Spatial Patterns

Directory of Open Access Journals (Sweden)

Shih-Cheng Liao

2017-06-01

Full Text Available Major depressive disorder (MDD has become a leading contributor to the global burden of disease; however, there are currently no reliable biological markers or physiological measurements for efficiently and effectively dissecting the heterogeneity of MDD. Here we propose a novel method based on scalp electroencephalography (EEG signals and a robust spectral-spatial EEG feature extractor called kernel eigen-filter-bank common spatial pattern (KEFB-CSP. The KEFB-CSP first filters the multi-channel raw EEG signals into a set of frequency sub-bands covering the range from theta to gamma bands, then spatially transforms the EEG signals of each sub-band from the original sensor space to a new space where the new signals (i.e., CSPs are optimal for the classification between MDD and healthy controls, and finally applies the kernel principal component analysis (kernel PCA to transform the vector containing the CSPs from all frequency sub-bands to a lower-dimensional feature vector called KEFB-CSP. Twelve patients with MDD and twelve healthy controls participated in this study, and from each participant we collected 54 resting-state EEGs of 6 s length (5 min and 24 s in total. Our results show that the proposed KEFB-CSP outperforms other EEG features including the powers of EEG frequency bands, and fractal dimension, which had been widely applied in previous EEG-based depression detection studies. The results also reveal that the 8 electrodes from the temporal areas gave higher accuracies than other scalp areas. The KEFB-CSP was able to achieve an average EEG classification accuracy of 81.23% in single-trial analysis when only the 8-electrode EEGs of the temporal area and a support vector machine (SVM classifier were used. We also designed a voting-based leave-one-participant-out procedure to test the participant-independent individual classification accuracy. The voting-based results show that the mean classification accuracy of about 80% can be

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

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

High-performance implementation of Chebyshev filter diagonalization for interior eigenvalue computations

Energy Technology Data Exchange (ETDEWEB)

Pieper, Andreas [Ernst-Moritz-Arndt-Universität Greifswald (Germany); Kreutzer, Moritz [Friedrich-Alexander-Universität Erlangen-Nürnberg (Germany); Alvermann, Andreas, E-mail: alvermann@physik.uni-greifswald.de [Ernst-Moritz-Arndt-Universität Greifswald (Germany); Galgon, Martin [Bergische Universität Wuppertal (Germany); Fehske, Holger [Ernst-Moritz-Arndt-Universität Greifswald (Germany); Hager, Georg [Friedrich-Alexander-Universität Erlangen-Nürnberg (Germany); Lang, Bruno [Bergische Universität Wuppertal (Germany); Wellein, Gerhard [Friedrich-Alexander-Universität Erlangen-Nürnberg (Germany)

2016-11-15

We study Chebyshev filter diagonalization as a tool for the computation of many interior eigenvalues of very large sparse symmetric matrices. In this technique the subspace projection onto the target space of wanted eigenvectors is approximated with filter polynomials obtained from Chebyshev expansions of window functions. After the discussion of the conceptual foundations of Chebyshev filter diagonalization we analyze the impact of the choice of the damping kernel, search space size, and filter polynomial degree on the computational accuracy and effort, before we describe the necessary steps towards a parallel high-performance implementation. Because Chebyshev filter diagonalization avoids the need for matrix inversion it can deal with matrices and problem sizes that are presently not accessible with rational function methods based on direct or iterative linear solvers. To demonstrate the potential of Chebyshev filter diagonalization for large-scale problems of this kind we include as an example the computation of the 10{sup 2} innermost eigenpairs of a topological insulator matrix with dimension 10{sup 9} derived from quantum physics applications.

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

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

2017-01-01

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

Rationality in Society

NARCIS (Netherlands)

Flache, Andreas; Dijkstra, Jacob; Wright, James D.

2015-01-01

Contemporary theories of rational behavior in human society augment the orthodox model of rationality both by adding various forms of bounded rationality and relaxing the assumptions of self-interest and materialistic preferences. This entry discusses how these extensions of the theory of rational

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

A Note on Market Power in an Emission Permits Market with Banking

International Nuclear Information System (INIS)

Liski, M.; Montero, J.P.

2005-01-01

In this paper, we investigate the effect of market power on equilibrium path of an emission permits market in which firms can bank current permits for use in later periods. In particular, we study the market equilibrium for a large (potentially dominant) firm and competitive fringe with rational expectations. We characterize the equilibrium solution for different permits allocations and discuss the large firms stock-holding constraints needed for credible market manipulation

Morphological rational multi-scale algorithm for color contrast enhancement

Science.gov (United States)

Peregrina-Barreto, Hayde; Terol-Villalobos, Iván R.

2010-01-01

Contrast enhancement main goal consists on improving the image visual appearance but also it is used for providing a transformed image in order to segment it. In mathematical morphology several works have been derived from the framework theory for contrast enhancement proposed by Meyer and Serra. However, when working with images with a wide range of scene brightness, as for example when strong highlights and deep shadows appear in the same image, the proposed morphological methods do not allow the enhancement. In this work, a rational multi-scale method, which uses a class of morphological connected filters called filters by reconstruction, is proposed. Granulometry is used by finding the more accurate scales for filters and with the aim of avoiding the use of other little significant scales. The CIE-u'v'Y' space was used to introduce our results since it takes into account the Weber's Law and by avoiding the creation of new colors it permits to modify the luminance values without affecting the hue. The luminance component ('Y) is enhanced separately using the proposed method, next it is used for enhancing the chromatic components (u', v') by means of the center of gravity law of color mixing.

Separation of transient and oscillatory cerebral activities using over-complete rational dilation wavelet transforms

International Nuclear Information System (INIS)

Chaibi, S.; Lajnef, T.; Samet, M.; Kachouri, A.

2011-01-01

Many natural signals EEG are comprised frequency overlapping of oscillatory and transient components. In our study the intracranial EEG signals of epilepsy are composed of the superposition of oscillatory signals (HFOs: High Frequency oscillations) and a transient signals (spikes and sharp waves, etc.). The oscillatory components (HFOs) exist in the frequency band 80-500Hz. The transient components comes from nonrhythmic brain activities (spikes, sharp waves and vertex waves of varying amplitude, shape and duration) and cover a continuous wide bandwidth from low to high frequencies and resemble an HFOs events when filtered using a band pass classical filter. The classical filtering methods based on FIR filters, Wavelet transforms and the Matching Pursuit cannot separate the oscillatory from transient activities. This paper describes an approach for decomposing an iEEG signals of epilepsy into the sum of oscillatory components and a transient components based on overcomplete rational dilation wavelet transforms (overcomplete RADWT) in conjunction with morphological component analysis (MCA).

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

A Rational Approach to Rational Suicide.

Science.gov (United States)

Richman, Joseph

1992-01-01

Describes suicide as reaction to internal and external sources of stress and the impact of life events. Notes that, in the elderly, these situations are prevalent in many who are not suicidal. Contends that much more is written about rational suicide than its alternative (rational nonsuicide). Reviews reasons for this and suggests rational…

A Divergence Median-based Geometric Detector with A Weighted Averaging Filter

Science.gov (United States)

Hua, Xiaoqiang; Cheng, Yongqiang; Li, Yubo; Wang, Hongqiang; Qin, Yuliang

2018-01-01

To overcome the performance degradation of the classical fast Fourier transform (FFT)-based constant false alarm rate detector with the limited sample data, a divergence median-based geometric detector on the Riemannian manifold of Heimitian positive definite matrices is proposed in this paper. In particular, an autocorrelation matrix is used to model the correlation of sample data. This method of the modeling can avoid the poor Doppler resolution as well as the energy spread of the Doppler filter banks result from the FFT. Moreover, a weighted averaging filter, conceived from the philosophy of the bilateral filtering in image denoising, is proposed and combined within the geometric detection framework. As the weighted averaging filter acts as the clutter suppression, the performance of the geometric detector is improved. Numerical experiments are given to validate the effectiveness of our proposed method.

Modular filter design for the white-beam undulator/wiggler beamlines at the Advanced Photon Source

International Nuclear Information System (INIS)

Brite, C.; Shu, D.; Nian, T.; Wang, Z.; Haeffner, D.; Alp, E.; Kuzay, T.

1994-01-01

A new filter has been designed at Argonne National Laboratory that is intended for the use in undulator/wiggler beamlines at the Advanced Photon Source. The water-cooled frame allows up to four individual filter foil banks simultaneously in the beam path. Additionally, the bottom of each frame holds two thin (20 μm) uncooled carbon filters in tandem for low-energy filtering. Therefore, a maximum of 625 filter selection combinations is theoretically possible. The design is intelligent, compact and modular, with great flexibility for the users. To prevent accidental movement of the filter, effort has been taken to provide a mechanically locked, fail-safe actuator system. Programming aspects are under development as part of our general personnel and equipment protection system. Aspects of the design and operational principles of the filter are presented in this paper

Design, Fabrication and Installation of the Charcoal Filter Housing in RIPF

International Nuclear Information System (INIS)

Kim, Min Jin; Lim, I. C.; Bang, H. S.

2008-05-01

In the Hot Cell Bank 3 of the Radioisotope Production Facility, production and dispense of I-131 solution and capsule that are used for the diagnosis and treatment of thyroid cancer are made. The original charcoal filter housings installed in 1994 and were utilized until the leakage of a very small amount of radio-iodine was found due to the erroneous installation of the charcoal filter in the filter housing. Thus the production of I-131 was discontinued until the repair and performance testing of the filter housing and the inspection by the regulatory body were finished. Although the production of I-131 was resumed, there was a desire for installing the brand-new charcoal filter housing which has an intrinsically safe design and no possibility of leakage. This report describes the design, fabrication and installation of brand-new charcoal filter housing. And also were described the dismantlement of the old housings, the assessment of the structural integrity of the shielding concrete wall and the installation of the shielding doors

Bringing culture back in: A neo-Durkheimian perspective on central banking

Directory of Open Access Journals (Sweden)

Carlo Tognato

2008-06-01

Full Text Available In the course of the past few decades, independent central banks have been regarded as one of the purest institutional distillates of modern rationality. Occasionally, however, and quite paradoxically, religious metaphors and narratives percolate into the monetary sphere and transform it. The purpose of this paper is to discuss whether a Durkheimian reading of monetary affairs is analytically suitable, to what extent it is so, and what implications it may have upon monetary studies.

A multi-standard active-RC filter with accurate tuning system

International Nuclear Information System (INIS)

Ma Heping; Yuan Fang; Shi Yin; Dai, F F

2009-01-01

A low-power, highly linear, multi-standard, active-RC filter with an accurate and novel tuning architecture is presented. It exhibits IEEE 802.11 a/b/g (9.5 MHz) and DVB-H (3 MHz, 4 MHz) application. The filter exploits digitally-controlled polysilicon resistor banks and a phase lock loop type automatic tuning system. The novel and complex automatic frequency calibration scheme provides better than 4 corner frequency accuracy, and it can be powered down after calibration to save power and avoid digital signal interference. The filter achieves OIP3 of 26 dBm and the measured group delay variation of the receiver filter is 50 ns (WLAN mode). Its dissipation is 3.4 mA in RX mode and 2.3 mA (only for one path) in TX mode from a 2.85 V supply. The dissipation of calibration consumes 2 mA. The circuit has been fabricated in a 0.35 μm 47 GHz SiGe BiCMOS technology; the receiver and transmitter filter occupy 0.21 mm 2 and 0.11 mm 2 (calibration circuit excluded), respectively.

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

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...

Penilaian Kinerja PT Bank X dalam Mengelola Asset dan Kewajiban Berdasarkan Analisis Resiko dan Analisis Return

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Muhammad Yusuf

2010-05-01

Full Text Available Performance financial evaluation became a primary indicator for management, especially a bank. This research evaluated asset and liability management of PT Bank X to describe its risk and return, by using financial ratios. The results found that performance ratios of PT Bank X decreasingly, where interest margin and net margin decreased to negative. This because of interest expenses and other operational expenses increased. Risk evaluation based on liquidity ratio were also decreasing in 2006 – 2007, because of the most assets of the bank became illiquid assest and default credits. On the other hand, this conditions became worse because of “Rush”, many of their customers took their money out from the bank on the same period. In 2008, bank has reduced their default credits succesively and made its liquiditiy better than previous year. Bad quality of credit management and control made the bank budgets their bad allowances for default credits higher and made bank’s capital risk higher too. Finally, all of bank’s capital was financed with their liabilities. The other hand, bank’s operating risk were recovered slowly, by organzation rationalization to reduce number of employees, as efficiency also. But this effort, indeed, made employee expenses increasing because management must pay golden-shake hand costs to employees. 

On rationally supported surfaces

DEFF Research Database (Denmark)

Gravesen, Jens; Juttler, B.; Sir, Z.

2008-01-01

We analyze the class of surfaces which are equipped with rational support functions. Any rational support function can be decomposed into a symmetric (even) and an antisymmetric (odd) part. We analyze certain geometric properties of surfaces with odd and even rational support functions....... In particular it is shown that odd rational support functions correspond to those rational surfaces which can be equipped with a linear field of normal vectors, which were discussed by Sampoli et al. (Sampoli, M.L., Peternell, M., Juttler, B., 2006. Rational surfaces with linear normals and their convolutions...... with rational surfaces. Comput. Aided Geom. Design 23, 179-192). As shown recently, this class of surfaces includes non-developable quadratic triangular Bezier surface patches (Lavicka, M., Bastl, B., 2007. Rational hypersurfaces with rational convolutions. Comput. Aided Geom. Design 24, 410426; Peternell, M...

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.

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

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…

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.

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...

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

A template bank to search for gravitational waves from inspiralling compact binaries: II. Phenomenological model

International Nuclear Information System (INIS)

Cokelaer, T

2007-01-01

Matched filtering is used to search for gravitational waves emitted by inspiralling compact binaries in data from ground-based interferometers. One of the key aspects of the detection process is the deployment of a set of templates, also called a template bank, to cover the astrophysically interesting region of the parameter space. In a companion paper, we described the template bank algorithm used in the analysis of Laser Interferometer Gravitational-Wave Observatory (LIGO) data to search for signals from non-spinning binaries made of neutron star and/or stellar-mass black holes; this template bank is based upon physical template families. In this paper, we describe the phenomenological template bank that was used to search for gravitational waves from non-spinning black hole binaries (from stellar mass formation) in the second, third and fourth LIGO science runs. We briefly explain the design of the bank, whose templates are based on a phenomenological detection template family. We show that this template bank gives matches greater than 95% with the physical template families that are expected to be captured by the phenomenological templates

Pragmatics & rationality.

OpenAIRE

Allott, N. E.

2007-01-01

This thesis is about the reconciliation of realistic views of rationality with inferential-intentional theories of communication. Grice (1957 1975) argued that working out what a speaker meant by an utterance is a matter of inferring the speaker's intentions on the presumption that she is acting rationally. This is abductive inference: inference to the best explanation for the utterance. Thus an utterance both rationalises and causes the interpretation the hearer constructs. Human rationality...

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.

Understanding Firms' Inflation Expectations Using the Bank of Canada's Business Outlook Survey

OpenAIRE

Richards, Simon; Verstraete, Matthieu

2016-01-01

Inflation expectations are a key determinant of actual and future inflation and thus matter for the conduct of monetary policy. We study how firms form their inflation expectations using quarterly firm-level data from the Bank of Canada's Business Outlook Survey, spanning the 2001 to 2015 period. The data are aggregated to construct an inflation expectations index. Results based on the index suggest that expectations are not consistent with the rationality assumption but are, still, more comp...

Separating yolk from white: A filter based on economic properties of trend and cycle

OpenAIRE

Zhou, Peng

2017-01-01

This paper proposes a new filter technique to separate trend and cycle based on stylised economic properties of trend and cycle, rather than relying on ad hoc statistical proper-ties such as frequency. Given the theoretical separation between economic growth and business cycle literature, it is necessary to make the measures of trend and cycle match what the respective theories intend to explain. The proposed filter is applied to the long macroeconomic data collected by the Bank of England (1...

A THEORETICAL STUDY ON SIMPLIFIED KALMAN FILTER IN DATA ASSIMILATION

Institute of Scientific and Technical Information of China (English)

Ma Zhai-pu; Huang Da-ji; Zhang Ben-zhao

2003-01-01

In this paper, we put forward a new method to reduce the calculation amount of the gain matrix of Kalman filter in data assimilation. We rewrite the vector describing the total state variables with two vectors whose dimensions are small and thus obtain the main parts and the trivial parts of the state variables. On the basis of the rewrittten formula, we not only develop a reduced Kalman filter scheme, but also obtain the transition equations about truncation errors, with which the validity of the main parts acting for the total state variables can be evaluated quantitatively. The error transition equations thus offer an indirect testimony to the rationality of the main parts.

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 ...

Baseline rationing

DEFF Research Database (Denmark)

Hougaard, Jens Leth; Moreno-Ternero, Juan D.; Østerdal, Lars Peter Raahave

The standard problem of adjudicating conflicting claims describes a situation in which a given amount of a divisible good has to be allocated among agents who hold claims against it exceeding the available amount. This paper considers more general rationing problems in which, in addition to claims...... to international protocols for the reduction of greenhouse emissions, or water distribution in drought periods. We define a family of allocation methods for such general rationing problems - called baseline rationing rules - and provide an axiomatic characterization for it. Any baseline rationing rule within...... the family is associated with a standard rule and we show that if the latter obeys some properties reflecting principles of impartiality, priority and solidarity, the former obeys them too....

Retrofitting of activated charcoal filters in the iodine removal system of Cirus reactor

International Nuclear Information System (INIS)

Arora, M.K.; Thomas, Shibu; Ullas, O.P.; Sharma, V.K.; Singh, Kapil Deo S.

2002-01-01

Full text: The emergency exhaust system for removal of iodine in the 40 MWt Cirus reactor consisted of a caustic scrubber followed by a bank of silver-coated copper mesh filters. The latter filter elements are no longer commercially available, and moreover, there is need to upgrade the system to meet the current safety norms. An iodine removal system based on activated charcoal adsorbers has been selected for this purpose. The design of the system ensures high iodine removal efficiency and thermal safety of the filters for a postulated accident condition beyond design basis accident. The new iodine removal system has been retrofitted during the current refurbishing programme of Cirus and it has been commissioned and tested satisfactorily

Rationing with baselines

DEFF Research Database (Denmark)

Hougaard, Jens Leth; Moreno-Ternero, Juan D.; Østerdal, Lars Peter Raahave

2013-01-01

We introduce a new operator for general rationing problems in which, besides conflicting claims, individual baselines play an important role in the rationing process. The operator builds onto ideas of composition, which are not only frequent in rationing, but also in related problems...... such as bargaining, choice, and queuing. We characterize the operator and show how it preserves some standard axioms in the literature on rationing. We also relate it to recent contributions in such literature....

Development of rationalized system treating floor drain

International Nuclear Information System (INIS)

Nakamura, Yasuyuki; Serizawa, Kenichi; Komatsu, Akihiro; Shimizu, Takayuki

1998-01-01

Radioactive liquid wastes generated at BWR plants are collected and treated as required. These days, however, generation of floor drain has deceased and HFF (Hollow Fiber Filter) has experienced a wide applicability to several kinds of liquid wastes. We should consider that the floor drain can be mixed and diluted with equipment drain and be purified by HFF. That enables some of the sumps and long priming pipes to be combined. From this point of view, we have developed a highly rationalized waste liquid system. We have evaluated the applicability of this system after an investigation into the generation and properties of floor drain and equipment drain at the latest BWR'S and an on-site test at a typical BWR. (author)

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Aditya Wardhana

2015-09-01

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

Compaction Filter as an Optimum Solution for Multirate Subband Coder of Cyclostationary Signals

Directory of Open Access Journals (Sweden)

D. Kula

2003-09-01

Full Text Available A consistent theory of optimum subband coding of zero meanwide-sense cyclostationary signals with N-periodic statistics ispresented in this paper. Blocked polyphase representation of theanalysis and synthesis filter banks is introduced as an effective wayof multirate subband coder description. Optimum energy compaction usingNyquist-M process is presented as a solution for maximizing the codinggain of the coder. In two definitions and four theorems the authorproves that Nyquist-M filters fulfill necessary and sufficientconditions imposed on subband signals. Results from Matlab simulationsare presented to support theoretical conclusions.

Estimation of the center frequency of the highest modulation filter.

Science.gov (United States)

Moore, Brian C J; Füllgrabe, Christian; Sek, Aleksander

2009-02-01

For high-frequency sinusoidal carriers, the threshold for detecting sinusoidal amplitude modulation increases when the signal modulation frequency increases above about 120 Hz. Using the concept of a modulation filter bank, this effect might be explained by (1) a decreasing sensitivity or greater internal noise for modulation filters with center frequencies above 120 Hz; and (2) a limited span of center frequencies of the modulation filters, the top filter being tuned to about 120 Hz. The second possibility was tested by measuring modulation masking in forward masking using an 8 kHz sinusoidal carrier. The signal modulation frequency was 80, 120, or 180 Hz and the masker modulation frequencies covered a range above and below each signal frequency. Four highly trained listeners were tested. For the 80-Hz signal, the signal threshold was usually maximal when the masker frequency equaled the signal frequency. For the 180-Hz signal, the signal threshold was maximal when the masker frequency was below the signal frequency. For the 120-Hz signal, two listeners showed the former pattern, and two showed the latter pattern. The results support the idea that the highest modulation filter has a center frequency in the range 100-120 Hz.

A multi-standard active-RC filter with accurate tuning system

Energy Technology Data Exchange (ETDEWEB)

Ma Heping; Yuan Fang; Shi Yin [Institute of Semiconductors, Chinese Academy of Sciences, Beijing 100083 (China); Dai, F F, E-mail: hpma@semi.ac.c [Department of Electrical and Computer Engineering, Auburn University, Auburn, AL 36849-5201 (United States)

2009-09-15

A low-power, highly linear, multi-standard, active-RC filter with an accurate and novel tuning architecture is presented. It exhibits IEEE 802.11 a/b/g (9.5 MHz) and DVB-H (3 MHz, 4 MHz) application. The filter exploits digitally-controlled polysilicon resistor banks and a phase lock loop type automatic tuning system. The novel and complex automatic frequency calibration scheme provides better than 4 corner frequency accuracy, and it can be powered down after calibration to save power and avoid digital signal interference. The filter achieves OIP3 of 26 dBm and the measured group delay variation of the receiver filter is 50 ns (WLAN mode). Its dissipation is 3.4 mA in RX mode and 2.3 mA (only for one path) in TX mode from a 2.85 V supply. The dissipation of calibration consumes 2 mA. The circuit has been fabricated in a 0.35 {mu}m 47 GHz SiGe BiCMOS technology; the receiver and transmitter filter occupy 0.21 mm{sup 2} and 0.11 mm{sup 2} (calibration circuit excluded), respectively.

Profitability Identification of National Banking Through Credit, Capital, Capital Structure, Efficiency, and Risk Level

Directory of Open Access Journals (Sweden)

Sugeng Haryanto

2016-04-01

Full Text Available This study aims to analyze the influence of credit, bank capital, capital structure, efficiency and risk toward the profitability in banking industry. Bank has an important role in the economy in Indonesia in 2014. The purposive sampling technique was used in this study to filter the samples according to several criteria such as being public at least in 2008, and publicly released the financial statement from 2008-2013. The total sample of 25 banks. Multiple regression technique was used in this study to analyze the data. The results show that credit, bank capital, and capital structure positively influence the profitability. This result supported by the previous research. The other finding shows that efficiency and risk have significantly negative effect on profitability. Bangking has an 80 percent market share in the financing of intermediation function of the entire financial system.Penelitian bertujuan menganalisis pengaruh antara kredit, permodalan bank, struktur modal, efisiensi dan risiko terhadap profitabilitas pada industri perbankan. Bank mempunyai peran penting dalam ekonomi Indonesia 2014. Teknik sampling penelitian ini adalah purposive sampling, dengan kriteria bank bank telah go public sebelum tahun 2008, mempublikasikan laporan keuangan tahun 2008-2013. Jumlah sampel sebanyak 25 bank. Teknik analisis yang digunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa kredit, permodalan bank dan struktur modal berpengaruh terhadap profitabilitas dengan arah positif. Hasil lainnya adalah variabel efisiensi dan risiko berpengaruh signifikan dengan arah negatif terhadap profitabilitas. Perbankan memiliki market share 80 persen dalam sistem keuangan.JEL Classification: G3, G32

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

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

A survey of food bank operations in five Canadian cities.

Science.gov (United States)

Tarasuk, Valerie; Dachner, Naomi; Hamelin, Anne-Marie; Ostry, Aleck; Williams, Patricia; Bosckei, Elietha; Poland, Blake; Raine, Kim

2014-11-28

Food banks have emerged in response to growing food insecurity among low-income groups in many affluent nations, but their ability to manage this problem is questionable. In Canada, in the absence of public programs and policy interventions, food banks are the only source of immediate assistance for households struggling to meet food needs, but there are many indications that this response is insufficient. The purpose of this study was to examine the factors that facilitate and limit food bank operations in five Canadian cities and appraise the potential of these initiatives to meet food needs. An inventory of charitable food provisioning in Halifax, Quebec City, Toronto, Edmonton, and Victoria, Canada was conducted in 2010. Of the 517 agencies that participated in a telephone survey of their operations, 340 were running grocery programs. Multivariate regression analyses were conducted to determine the association between program characteristics, volume of service, and indicators of strain in food banks' abilities to consistently achieve the standards of assistance they had established. Extensive, well-established food bank activities were charted in each city, with the numbers of people assisted ranging from 7,111 in Halifax to 90,141 in Toronto per month. Seventy-two percent of agencies indicated that clients needed more food than they provided. The number of people served by any one agency in the course of a month was positively associated with the proportion of food distributed that came from donations (beta 0.0143, SE 0.0024, p 0.0041) and the number of volunteers working in the agency (beta 0.0630, SE 0.0159, p 0.0167). Food banks only achieved equilibrium between supply and demand when they contained demand through restrictions on client access. When access to assistance was less restricted, the odds of food banks running out of food and invoking measures to ration remaining supplies and restrict access rose significantly. Despite their extensive history

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...

Inaugurating Rationalization: Three Field Studies Find Increased Rationalization When Anticipated Realities Become Current.

Science.gov (United States)

Laurin, Kristin

2018-04-01

People will often rationalize the status quo, reconstruing it in an exaggeratedly positive light. They will even rationalize the status quo they anticipate, emphasizing the upsides and minimizing the downsides of sociopolitical realities they expect to take effect. Drawing on recent findings on the psychological triggers of rationalization, I present results from three field studies, one of which was preregistered, testing the hypothesis that an anticipated reality becoming current triggers an observable boost in people's rationalizations. San Franciscans rationalized a ban on plastic water bottles, Ontarians rationalized a targeted smoking ban, and Americans rationalized the presidency of Donald Trump, more in the days immediately after these realities became current compared with the days immediately before. Additional findings show evidence for a mechanism underlying these behaviors and rule out alternative accounts. These findings carry implications for scholarship on rationalization, for understanding protest behavior, and for policymakers.

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...

Realization theory for rational systems: Minimal rational realizations

NARCIS (Netherlands)

J. Nemcová (Jana); J.H. van Schuppen (Jan)

2010-01-01

htmlabstractThe study of realizations of response maps is a topic of control and system theory. Realization theory is used in system identification and control synthesis. A minimal rational realization of a given response map p is a rational realization of p such that the dimension of its state

Many faces of rationality: Implications of the great rationality debate for clinical decision‐making

Science.gov (United States)

Elqayam, Shira

2017-01-01

Abstract Given that more than 30% of healthcare costs are wasted on inappropriate care, suboptimal care is increasingly connected to the quality of medical decisions. It has been argued that personal decisions are the leading cause of death, and 80% of healthcare expenditures result from physicians' decisions. Therefore, improving healthcare necessitates improving medical decisions, ie, making decisions (more) rational. Drawing on writings from The Great Rationality Debate from the fields of philosophy, economics, and psychology, we identify core ingredients of rationality commonly encountered across various theoretical models. Rationality is typically classified under umbrella of normative (addressing the question how people “should” or “ought to” make their decisions) and descriptive theories of decision‐making (which portray how people actually make their decisions). Normative theories of rational thought of relevance to medicine include epistemic theories that direct practice of evidence‐based medicine and expected utility theory, which provides the basis for widely used clinical decision analyses. Descriptive theories of rationality of direct relevance to medical decision‐making include bounded rationality, argumentative theory of reasoning, adaptive rationality, dual processing model of rationality, regret‐based rationality, pragmatic/substantive rationality, and meta‐rationality. For the first time, we provide a review of wide range of theories and models of rationality. We showed that what is “rational” behaviour under one rationality theory may be irrational under the other theory. We also showed that context is of paramount importance to rationality and that no one model of rationality can possibly fit all contexts. We suggest that in context‐poor situations, such as policy decision‐making, normative theories based on expected utility informed by best research evidence may provide the optimal approach to medical decision�

On detection of black hole quasinormal ringdowns: Detection efficiency and waveform parameter determination in matched filtering

International Nuclear Information System (INIS)

Tsunesada, Yoshiki; Tatsumi, Daisuke; Kanda, Nobuyuki; Nakano, Hiroyuki; Ando, Masaki; Sasaki, Misao; Tagoshi, Hideyuki; Takahashi, Hirotaka

2005-01-01

Gravitational radiation from a slightly distorted black hole with ringdown waveform is well understood in general relativity. It provides a probe for direct observation of black holes and determination of their physical parameters, masses and angular momenta (Kerr parameters). For ringdown searches using data of gravitational wave detectors, matched filtering technique is useful. In this paper, we describe studies on problems in matched filtering analysis in realistic gravitational wave searches using observational data. Above all, we focus on template constructions, matches or signal-to-noise ratios (SNRs), detection probabilities for Galactic events, and accuracies in evaluation of waveform parameters or black hole hairs. In template design for matched filtering, search parameter ranges and template separations are determined by requirements from acceptable maximum loss of SNRs, detection efficiencies, and computational costs. In realistic searches using observational data, however, effects of nonstationary noises cause decreases of SNRs, and increases of errors in waveform parameter determinations. These problems will potentially arise in any matched filtering searches for any kind of waveforms. To investigate them, we have performed matched filtering analysis for artificial ringdown signals which are generated with Monte-Carlo technique and injected into the TAMA300 observational data. We employed an efficient method to construct a bank of ringdown filters recently proposed by Nakano et al., and use a template bank generated from a criterion such that losses of SNRs of any signals do not exceed 2%. We found that this criterion is fulfilled in ringdown searches using TAMA300 data, by examining distribution of SNRs of simulated signals. It is also shown that with TAMA300 sensitivity, the detection probability for Galactic ringdown events is about 50% for black holes of masses greater than 20M · with SNR>10. The accuracies in waveform parameter estimations are

Many faces of rationality: Implications of the great rationality debate for clinical decision-making.

Science.gov (United States)

Djulbegovic, Benjamin; Elqayam, Shira

2017-10-01

Given that more than 30% of healthcare costs are wasted on inappropriate care, suboptimal care is increasingly connected to the quality of medical decisions. It has been argued that personal decisions are the leading cause of death, and 80% of healthcare expenditures result from physicians' decisions. Therefore, improving healthcare necessitates improving medical decisions, ie, making decisions (more) rational. Drawing on writings from The Great Rationality Debate from the fields of philosophy, economics, and psychology, we identify core ingredients of rationality commonly encountered across various theoretical models. Rationality is typically classified under umbrella of normative (addressing the question how people "should" or "ought to" make their decisions) and descriptive theories of decision-making (which portray how people actually make their decisions). Normative theories of rational thought of relevance to medicine include epistemic theories that direct practice of evidence-based medicine and expected utility theory, which provides the basis for widely used clinical decision analyses. Descriptive theories of rationality of direct relevance to medical decision-making include bounded rationality, argumentative theory of reasoning, adaptive rationality, dual processing model of rationality, regret-based rationality, pragmatic/substantive rationality, and meta-rationality. For the first time, we provide a review of wide range of theories and models of rationality. We showed that what is "rational" behaviour under one rationality theory may be irrational under the other theory. We also showed that context is of paramount importance to rationality and that no one model of rationality can possibly fit all contexts. We suggest that in context-poor situations, such as policy decision-making, normative theories based on expected utility informed by best research evidence may provide the optimal approach to medical decision-making, whereas in the context

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

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.

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.

Document image binarization using "multi-scale" predefined filters

Science.gov (United States)

Saabni, Raid M.

2018-04-01

Reading text or searching for key words within a historical document is a very challenging task. one of the first steps of the complete task is binarization, where we separate foreground such as text, figures and drawings from the background. Successful results of this important step in many cases can determine next steps to success or failure, therefore it is very vital to the success of the complete task of reading and analyzing the content of a document image. Generally, historical documents images are of poor quality due to their storage condition and degradation over time, which mostly cause to varying contrasts, stains, dirt and seeping ink from reverse side. In this paper, we use banks of anisotropic predefined filters in different scales and orientations to develop a binarization method for degraded documents and manuscripts. Using the fact, that handwritten strokes may follow different scales and orientations, we use predefined sets of filter banks having various scales, weights, and orientations to seek a compact set of filters and weights in order to generate diffrent layers of foregrounds and background. Results of convolving these fiters on the gray level image locally, weighted and accumulated to enhance the original image. Based on the different layers, seeds of components in the gray level image and a learning process, we present an improved binarization algorithm to separate the background from layers of foreground. Different layers of foreground which may be caused by seeping ink, degradation or other factors are also separated from the real foreground in a second phase. Promising experimental results were obtained on the DIBCO2011 , DIBCO2013 and H-DIBCO2016 data sets and a collection of images taken from real historical documents.

Adolescent rationality.

Science.gov (United States)

Moshman, David

2013-01-01

Adolescents are commonly seen as irrational, a position supported to varying degrees by many developmentalists, who often appeal to recent research on adolescent brains. Careful review of relevant evidence, however, shows that (1) adults are less rational than is generally assumed, (2) adolescents (and adults) are categorically different from children with respect to the attainment of advanced levels of rationality and psychological functioning, and (3) adolescents and adults do not differ categorically from each other with respect to any rational competencies, irrational tendencies, brain structures, or neurological functioning. Development often continues in adolescence and beyond but categorical claims about adolescents as distinct from adults cannot be justified. A review of U.S. Supreme Court decisions concerning intellectual freedom, reproductive freedom, and criminal responsibility shows ongoing ambivalence and confusion about the rationality of adolescents. Developmental theory and research suggest that adolescents should be conceptualized as young adults, not immature brains, with important implications for their roles, rights, and responsibilities.

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Love and rationality: on some possible rational effects of love

Directory of Open Access Journals (Sweden)

Gustavo Ortiz-Millán

Full Text Available In this paper I defend the idea that rather than disrupting rationality, as the common-sense conception has done it, love may actually help us to develop rational ways of thinking and acting. I make the case for romantic or erotic love, since this is the kind of love that is more frequently associated with irrationality in acting and thinking. I argue that this kind of love may make us develop epistemic and practical forms of rationality. Based on an analysis of its characteristic action tendencies, I argue that love may help us to develop an instrumental form of rationality in determining the best means to achieve the object of love. It may also narrow down the number of practical considerations that may help us to achieve our goals. Finally, love may generate rational ways of belief-formation by framing the parameters taken into account in perception and attention, and by bringing into light only a small portion of the epistemic information available. Love may make us perceive reality more acutely.

Influence of Pulse Shaping Filters on PAPR Performance of Underwater 5G Communication System Technique: GFDM

Directory of Open Access Journals (Sweden)

Jinqiu Wu

2017-01-01

Full Text Available Generalized frequency division multiplexing (GFDM is a new candidate technique for the fifth generation (5G standard based on multibranch multicarrier filter bank. Unlike OFDM, it enables the frequency and time domain multiuser scheduling and can be implemented digitally. It is the generalization of traditional OFDM with several added advantages like the low PAPR (peak to average power ratio. In this paper, the influence of the pulse shaping filter on PAPR performance of the GFDM system is investigated and the comparison of PAPR in OFDM and GFDM is also demonstrated. The PAPR is restrained by selecting proper parameters and filters to make the underwater acoustic communication more efficient.

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-.

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...

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 ...

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

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-...

CONTRIBUTIONS TO RATIONAL APPROXIMATION,

Science.gov (United States)

Some of the key results of linear Chebyshev approximation theory are extended to generalized rational functions. Prominent among these is Haar’s...linear theorem which yields necessary and sufficient conditions for uniqueness. Some new results in the classic field of rational function Chebyshev...Furthermore a Weierstrass type theorem is proven for rational Chebyshev approximation. A characterization theorem for rational trigonometric Chebyshev approximation in terms of sign alternation is developed. (Author)

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...

Rational points, rational curves, and entire holomorphic curves on projective varieties

CERN Document Server

Gasbarri, Carlo; Roth, Mike; Tschinkel, Yuri

2015-01-01

This volume contains papers from the Short Thematic Program on Rational Points, Rational Curves, and Entire Holomorphic Curves and Algebraic Varieties, held from June 3-28, 2013, at the Centre de Recherches Mathématiques, Université de Montréal, Québec, Canada. The program was dedicated to the study of subtle interconnections between geometric and arithmetic properties of higher-dimensional algebraic varieties. The main areas of the program were, among others, proving density of rational points in Zariski or analytic topology on special varieties, understanding global geometric properties of rationally connected varieties, as well as connections between geometry and algebraic dynamics exploring new geometric techniques in Diophantine approximation.

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

Rational Multiparty Computation

OpenAIRE

Wallrabenstein, John Ross

2014-01-01

The field of rational cryptography considers the design of cryptographic protocols in the presence of rational agents seeking to maximize local utility functions. This departs from the standard secure multiparty computation setting, where players are assumed to be either honest or malicious. ^ We detail the construction of both a two-party and a multiparty game theoretic framework for constructing rational cryptographic protocols. Our framework specifies the utility function assumptions neces...

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....

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

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.

Irrational Rationality of Terrorism

Directory of Open Access Journals (Sweden)

Robert Nalbandov

2013-12-01

Full Text Available The present article deals with the ontological problem of applying the rational choice frameworks to the study of terrorism. It testing the application of the rational choice to the “old” (before the end of the Cold War and the “new” (after the end of the Cold War terrorisms. It starts with analyzing the fundamentals of rationality and applies it at two levels: the individual (actors and group (collective via two outlooks: tactical (short-term and strategic (long-term. The main argument of the article is that while the “old” terrorism can be explained by the rational choice theory its “new” version represents a substantial departure from rationality.

Lying for Strategic Advantage: Rational and Boundedly Rational Misrepresentation of Intentions

OpenAIRE

Crawford, Vincent P.

2001-01-01

Starting from Hendricks and McAfee's (2000) example of the Allies' decision to feint at Calais and attack at Normandy on D-Day, this paper models misrepresentation of intentions to competitors or enemies. Allowing for the possibility of bounded strategic rationality and rational players' responses to it yields a sensible account of lying via costless, noiseless messages. In many cases the model has generically unique pure-strategy sequential equilibria, in which rational players exploit bound...

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

Science.gov (United States)

2011-09-26

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

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

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...

Determinants of Actor Rationality

DEFF Research Database (Denmark)

Ellegaard, Chris

Industrial companies must exercise influence on their suppliers (or supplier actors). Actor rationality is a central theme connected to this management task. In this article, relevant literature is studied with the purpose of shedding light on determinants of actor rationality. Two buyer-supplier...... relations are investigated in a multiple case study, leading to the proposal of various additional factors that determine and shape actor rationality. Moreover a conceptual model of rationality determinants in the buyer-supplier relation is proposed, a model that may help supply managers analyse...

Two Concepts of Rationality

Directory of Open Access Journals (Sweden)

Danny Frederick

2010-02-01

Full Text Available The dominant tradition in Western philosophy sees rationality as dictating. Thus rationality may require that we believe the best explanation and simple conceptual truths and that we infer in accordance with evident rules of inference. I argue that, given what we know about the growth of knowledge, this authoritarian concept of rationality leads to absurdities and should be abandoned. I then outline a libertarian concept of rationality, derived from Popper, which eschews the dictates and which sees a rational agent as one who questions, criticises, conjectures and experiments. I argue that, while the libertarian approach escapes the absurdities of the authoritarian, it requires two significant developments and an important clarification to be made fully consistent with itself.

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

Rationality and institutions : an inquiry into the normative implications of rational choice theory

OpenAIRE

Engelen, Bart

2007-01-01

I aim to analyze in this dissertation what a desirable basic institutional structure looks like from the perspective of rationality. While the main topic is thus normative in nature, I start by clarifying in the first part what the notion of rationality exactly entails. I do so by focusing explicitly on the economic conception of rationality, according to which a rational individual is motivated to serve his self-interest on the basis of cost-benefit calculations. Such a Homo Economicus is ch...

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.

BioMagResBank databases DOCR and FRED containing converted and filtered sets of experimental NMR restraints and coordinates from over 500 protein PDB structures

Energy Technology Data Exchange (ETDEWEB)

Doreleijers, Jurgen F. [University of Wisconsin-Madison, BioMagResBank, Department of Biochemistry (United States); Nederveen, Aart J. [Utrecht University, Bijvoet Center for Biomolecular Research (Netherlands); Vranken, Wim [European Bioinformatics Institute, Macromolecular Structure Database group (United Kingdom); Lin Jundong [University of Wisconsin-Madison, BioMagResBank, Department of Biochemistry (United States); Bonvin, Alexandre M.J.J.; Kaptein, Robert [Utrecht University, Bijvoet Center for Biomolecular Research (Netherlands); Markley, John L.; Ulrich, Eldon L. [University of Wisconsin-Madison, BioMagResBank, Department of Biochemistry (United States)], E-mail: elu@bmrb.wisc.edu

2005-05-15

We present two new databases of NMR-derived distance and dihedral angle restraints: the Database Of Converted Restraints (DOCR) and the Filtered Restraints Database (FRED). These databases currently correspond to 545 proteins with NMR structures deposited in the Protein Databank (PDB). The criteria for inclusion were that these should be unique, monomeric proteins with author-provided experimental NMR data and coordinates available from the PDB capable of being parsed and prepared in a consistent manner. The Wattos program was used to parse the files, and the CcpNmr FormatConverter program was used to prepare them semi-automatically. New modules, including a new implementation of Aqua in the BioMagResBank (BMRB) software Wattos were used to analyze the sets of distance restraints (DRs) for inconsistencies, redundancies, NOE completeness, classification and violations with respect to the original coordinates. Restraints that could not be associated with a known nomenclature were flagged. The coordinates of hydrogen atoms were recalculated from the positions of heavy atoms to allow for a full restraint analysis. The DOCR database contains restraint and coordinate data that is made consistent with each other and with IUPAC conventions. The FRED database is based on the DOCR data but is filtered for use by test calculation protocols and longitudinal analyses and validations. These two databases are available from websites of the BMRB and the Macromolecular Structure Database (MSD) in various formats: NMR-STAR, CCPN XML, and in formats suitable for direct use in the software packages CNS and CYANA.

BioMagResBank databases DOCR and FRED containing converted and filtered sets of experimental NMR restraints and coordinates from over 500 protein PDB structures

International Nuclear Information System (INIS)

Doreleijers, Jurgen F.; Nederveen, Aart J.; Vranken, Wim; Lin Jundong; Bonvin, Alexandre M.J.J.; Kaptein, Robert; Markley, John L.; Ulrich, Eldon L.

2005-01-01

We present two new databases of NMR-derived distance and dihedral angle restraints: the Database Of Converted Restraints (DOCR) and the Filtered Restraints Database (FRED). These databases currently correspond to 545 proteins with NMR structures deposited in the Protein Databank (PDB). The criteria for inclusion were that these should be unique, monomeric proteins with author-provided experimental NMR data and coordinates available from the PDB capable of being parsed and prepared in a consistent manner. The Wattos program was used to parse the files, and the CcpNmr FormatConverter program was used to prepare them semi-automatically. New modules, including a new implementation of Aqua in the BioMagResBank (BMRB) software Wattos were used to analyze the sets of distance restraints (DRs) for inconsistencies, redundancies, NOE completeness, classification and violations with respect to the original coordinates. Restraints that could not be associated with a known nomenclature were flagged. The coordinates of hydrogen atoms were recalculated from the positions of heavy atoms to allow for a full restraint analysis. The DOCR database contains restraint and coordinate data that is made consistent with each other and with IUPAC conventions. The FRED database is based on the DOCR data but is filtered for use by test calculation protocols and longitudinal analyses and validations. These two databases are available from websites of the BMRB and the Macromolecular Structure Database (MSD) in various formats: NMR-STAR, CCPN XML, and in formats suitable for direct use in the software packages CNS and CYANA

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…

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...

Rationing medical education.

African Journals Online (AJOL)

This paper discussed the pros and cons of the application of rationing to medical education and the different ... Different types of rationing exist in healthcare professional education. ... state-of-the-art resources, technology and tutors con-.

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...

An embedded implementation based on adaptive filter bank for brain-computer interface systems.

Science.gov (United States)

Belwafi, Kais; Romain, Olivier; Gannouni, Sofien; Ghaffari, Fakhreddine; Djemal, Ridha; Ouni, Bouraoui

2018-07-15

Brain-computer interface (BCI) is a new communication pathway for users with neurological deficiencies. The implementation of a BCI system requires complex electroencephalography (EEG) signal processing including filtering, feature extraction and classification algorithms. Most of current BCI systems are implemented on personal computers. Therefore, there is a great interest in implementing BCI on embedded platforms to meet system specifications in terms of time response, cost effectiveness, power consumption, and accuracy. This article presents an embedded-BCI (EBCI) system based on a Stratix-IV field programmable gate array. The proposed system relays on the weighted overlap-add (WOLA) algorithm to perform dynamic filtering of EEG-signals by analyzing the event-related desynchronization/synchronization (ERD/ERS). The EEG-signals are classified, using the linear discriminant analysis algorithm, based on their spatial features. The proposed system performs fast classification within a time delay of 0.430 s/trial, achieving an average accuracy of 76.80% according to an offline approach and 80.25% using our own recording. The estimated power consumption of the prototype is approximately 0.7 W. Results show that the proposed EBCI system reduces the overall classification error rate for the three datasets of the BCI-competition by 5% compared to other similar implementations. Moreover, experiment shows that the proposed system maintains a high accuracy rate with a short processing time, a low power consumption, and a low cost. Performing dynamic filtering of EEG-signals using WOLA increases the recognition rate of ERD/ERS patterns of motor imagery brain activity. This approach allows to develop a complete prototype of a EBCI system that achieves excellent accuracy rates. Copyright © 2018 Elsevier B.V. All rights reserved.

Rational Asymmetric Development, Piketty and Poverty in Africa

Directory of Open Access Journals (Sweden)

Simplice A. Asongu

2016-12-01

Full Text Available An April 2015 World Bank report on the Millennium Development Goal poverty target has revealed that extreme poverty has been decreasing in all regions of the world with the exception of Africa. This study extends the implications of Thomas Piketty’s celebrated literature from developed countries to the nexus between developed nations and African countries by building on responses from Rogoff (2014 and Stiglitz (2014, post Washington Consensus paradigms and underpinnings from SolowSwan and Boyce-Fofack-Ndikumana. The central argument presented is that the inequality problem is at the heart of rational asymmetric development between rich and poor countries. Piketty has shown that inequality increases when the return on capital is higher than the growth rate, because the poor cannot catch-up with the rich. We argue that when the return on political economy (or capitalism fuelled illicit capital flight is higher than the growth rate in African countries, inequality in development increases and Africa may not catch-up with the developed world. As an ideal solution, Piketty has proposed progressive income taxation based on automatic exchange of bank information. The ideal analogy proposed in tackling the spirit of African poverty is a comprehensive commitment to fighting illicit capital flight based on this. Hence, contrary to theoretical underpinnings of exogenous growth models, catch-up may not be so apparent. Implications for the corresponding upward bias in endogenous development and catch-up literature are discussed.

Directional dual-tree rational-dilation complex wavelet transform.

Science.gov (United States)

Serbes, Gorkem; Gulcur, Halil Ozcan; Aydin, Nizamettin

2014-01-01

Dyadic discrete wavelet transform (DWT) has been used successfully in processing signals having non-oscillatory transient behaviour. However, due to the low Q-factor property of their wavelet atoms, the dyadic DWT is less effective in processing oscillatory signals such as embolic signals (ESs). ESs are extracted from quadrature Doppler signals, which are the output of Doppler ultrasound systems. In order to process ESs, firstly, a pre-processing operation known as phase filtering for obtaining directional signals from quadrature Doppler signals must be employed. Only then, wavelet based methods can be applied to these directional signals for further analysis. In this study, a directional dual-tree rational-dilation complex wavelet transform, which can be applied directly to quadrature signals and has the ability of extracting directional information during analysis, is introduced.

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...

Rationality problem for algebraic tori

CERN Document Server

Hoshi, Akinari

2017-01-01

The authors give the complete stably rational classification of algebraic tori of dimensions 4 and 5 over a field k. In particular, the stably rational classification of norm one tori whose Chevalley modules are of rank 4 and 5 is given. The authors show that there exist exactly 487 (resp. 7, resp. 216) stably rational (resp. not stably but retract rational, resp. not retract rational) algebraic tori of dimension 4, and there exist exactly 3051 (resp. 25, resp. 3003) stably rational (resp. not stably but retract rational, resp. not retract rational) algebraic tori of dimension 5. The authors make a procedure to compute a flabby resolution of a G-lattice effectively by using the computer algebra system GAP. Some algorithms may determine whether the flabby class of a G-lattice is invertible (resp. zero) or not. Using the algorithms, the suthors determine all the flabby and coflabby G-lattices of rank up to 6 and verify that they are stably permutation. The authors also show that the Krull-Schmidt theorem for G-...

Perfect Reconstruction Conditions and Design of Oversampled DFT-Modulated Transmultiplexers

Directory of Open Access Journals (Sweden)

Siohan Pierre

2006-01-01

Full Text Available This paper presents a theoretical analysis of oversampled complex modulated transmultiplexers. The perfect reconstruction (PR conditions are established in the polyphase domain for a pair of biorthogonal prototype filters. A decomposition theorem is proposed that allows it to split the initial system of PR equations, that can be huge, into small independent subsystems of equations. In the orthogonal case, it is shown that these subsystems can be solved thanks to an appropriate angular parametrization. This parametrization is efficiently exploited afterwards, using the compact representation we recently introduced for critically decimated modulated filter banks. Two design criteria, the out-of-band energy minimization and the time-frequency localization maximization, are examined. It is shown, with various design examples, that this approach allows the design of oversampled modulated transmultiplexers, or filter banks with a thousand carriers, or subbands, for rational oversampling ratios corresponding to low redundancies. Some simulation results, obtained for a transmission over a flat fading channel, also show that, compared to the conventional OFDM, these designs may reduce the mean square error.

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...

Reliable Recognition of Partially Occluded Objects with Correlation Filters

Directory of Open Access Journals (Sweden)

Alexey Ruchay

2018-01-01

Full Text Available Design of conventional correlation filters requires explicit knowledge of the appearance and shape of a target object, so the performance of correlation filters is significantly affected by changes in the appearance of the object in the input scene. In particular, the performance of correlation filters worsens when objects to be recognized are partially occluded by other objects, and the input scene contains a cluttered background and noise. In this paper, we propose a new algorithm for the design of a system consisting of a set of adaptive correlation filters for recognition of partially occluded objects in noisy scenes. Since the input scene may contain different fragments of the target, false objects, and background to be rejected, the system is designed in such a manner to guarantee equally high correlation peaks corresponding to parts of the target in the scenes. The key points of the system are as follows: (i it consists of a bank of composite optimum filters, which yield the best performance for different parts of the target; (ii it includes a fragmentation of the target into a given number of parts in the training stage to provide equal intensity responses of the system for each part of the target. With the help of computer simulation, the performance of the proposed algorithm for recognition partially occluded objects is compared with that of common algorithms in terms of objective metrics.

Rational Approximations to Rational Models: Alternative Algorithms for Category Learning

Science.gov (United States)

Sanborn, Adam N.; Griffiths, Thomas L.; Navarro, Daniel J.

2010-01-01

Rational models of cognition typically consider the abstract computational problems posed by the environment, assuming that people are capable of optimally solving those problems. This differs from more traditional formal models of cognition, which focus on the psychological processes responsible for behavior. A basic challenge for rational models…

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

... Bancshares, Inc., and thereby acquire control of First Commercial Bank, both of Edmond, Oklahoma. Board of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

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

Science.gov (United States)

2012-10-05

... shares of Anchor Commercial Bank, Juno Beach, Florida. Board of Governors of the Federal Reserve System... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Optimal public rationing and price response.

Science.gov (United States)

Grassi, Simona; Ma, Ching-To Albert

2011-12-01

We study optimal public health care rationing and private sector price responses. Consumers differ in their wealth and illness severity (defined as treatment cost). Due to a limited budget, some consumers must be rationed. Rationed consumers may purchase from a monopolistic private market. We consider two information regimes. In the first, the public supplier rations consumers according to their wealth information (means testing). In equilibrium, the public supplier must ration both rich and poor consumers. Rationing some poor consumers implements price reduction in the private market. In the second information regime, the public supplier rations consumers according to consumers' wealth and cost information. In equilibrium, consumers are allocated the good if and only if their costs are below a threshold (cost effectiveness). Rationing based on cost results in higher equilibrium consumer surplus than rationing based on wealth. Copyright © 2011 Elsevier B.V. All rights reserved.

Application of wavelet-based multi-model Kalman filters to real-time flood forecasting

Science.gov (United States)

Chou, Chien-Ming; Wang, Ru-Yih

2004-04-01

This paper presents the application of a multimodel method using a wavelet-based Kalman filter (WKF) bank to simultaneously estimate decomposed state variables and unknown parameters for real-time flood forecasting. Applying the Haar wavelet transform alters the state vector and input vector of the state space. In this way, an overall detail plus approximation describes each new state vector and input vector, which allows the WKF to simultaneously estimate and decompose state variables. The wavelet-based multimodel Kalman filter (WMKF) is a multimodel Kalman filter (MKF), in which the Kalman filter has been substituted for a WKF. The WMKF then obtains M estimated state vectors. Next, the M state-estimates, each of which is weighted by its possibility that is also determined on-line, are combined to form an optimal estimate. Validations conducted for the Wu-Tu watershed, a small watershed in Taiwan, have demonstrated that the method is effective because of the decomposition of wavelet transform, the adaptation of the time-varying Kalman filter and the characteristics of the multimodel method. Validation results also reveal that the resulting method enhances the accuracy of the runoff prediction of the rainfall-runoff process in the Wu-Tu watershed.

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

Exploring rationality in schizophrenia

DEFF Research Database (Denmark)

Revsbech, Rasmus; Mortensen, Erik Lykke; Owen, Gareth

2015-01-01

Background Empirical studies of rationality (syllogisms) in patients with schizophrenia have obtained different results. One study found that patients reason more logically if the syllogism is presented through an unusual content. Aims To explore syllogism-based rationality in schizophrenia. Meth...... differences became non-significant. Conclusions When taking intelligence and neuropsychological performance into account, patients with schizophrenia and controls perform similarly on syllogism tests of rationality.......Background Empirical studies of rationality (syllogisms) in patients with schizophrenia have obtained different results. One study found that patients reason more logically if the syllogism is presented through an unusual content. Aims To explore syllogism-based rationality in schizophrenia. Method...... Thirty-eight first-admitted patients with schizophrenia and 38 healthy controls solved 29 syllogisms that varied in presentation content (ordinary v. unusual) and validity (valid v. invalid). Statistical tests were made of unadjusted and adjusted group differences in models adjusting for intelligence...

Respect for rational autonomy.

Science.gov (United States)

Walker, Rebecca L

2009-12-01

The standard notion of autonomy in medical ethics does not require that autonomous choices not be irrational. The paper gives three examples of seemingly irrational patient choices and discusses how a rational autonomy analysis differs from the standard view. It then considers whether a switch to the rational autonomy view would lead to overriding more patient decisions but concludes that this should not be the case. Rather, a determination of whether individual patient decisions are autonomous is much less relevant than usually considered in determining whether health care providers must abide by these decisions. Furthermore, respect for rational autonomy entails strong positive requirements of respect for the autonomy of the person as a rational decision maker. The rationality view of autonomy is conceptually stronger than the standard view, allows for a more nuanced understanding of the practical moral calculus involved in respecting patient autonomy, and promotes positive respect for patient autonomy.

Embodying rationality

OpenAIRE

Mastrogiorgio, Antonio; Petracca, Enrico

2016-01-01

The current notions of bounded rationality in economics share distinctive features with Simon’s original notion, which still influences the theoretical and experimental research in the fields of choice, judgment, decision making, problem solving, and social cognition. All these notions of bounded rationality are in fact equally rooted in the information-processing approach to human cognition, expressing the view that reasoning is disembodied and that it can be reduced to the processing of abs...

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

Science.gov (United States)

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

2007-01-01

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

The effects of shadow banking on the traditional banking system in Zimbabwe

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

Full Text Available The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.

[Rationalization and rationing at the bedside. A normative and empirical status quo analysis].

Science.gov (United States)

Strech, D

2014-02-01

The topic of bedside rationing is increasingly discussed in Germany. Further need for clarification exists for the question how bedside rationing (e.g., in the area of overcare) can be justified despite coexistent inefficiencies. This paper outlines and analyses the relationship of waste avoidance and rationing from an ethical perspective. Empirical findings regarding the status quo of bedside rationing and rationalization are presented. These normative and empirical explorations will then be further specified regarding opportunities for future physician-driven activities to tackle overuse. The self-government partners in Germany should communicate more explicitly within their communities and to the public how and with which benchmarks they aim to reduce inefficient health care (overuse) in an appropriate manner. Physician-driven activities such as the "Choosing Wisely®" initiative in the USA could provide a first step to raise the awareness for overuse among physicians as well as in the public.

Contribution of Internet Banking toward Profitability of Banking in India

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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.

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...

Islamic Banking and Green Banking for Sustainable Development: Evidence from Bangladesh

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Mohammad Nazim Uddin

2018-01-01

Full Text Available Green banking is an integral part of Islamic banking that makes a basis of environmental protection. This study attempts to examine the relationship between Islamic banking and green banking that contribute to sustainable development. The study has used the primary data through a structural questionnaire that includes various dimensions on green banking of Islamic banking in Bangladesh. The investigation revealed that Islamic banks had made a significant contribution to green banking that improves the environment as means of cost and energy savings, preservation of natural resources and the need to respect all living things. The study seems to carry an enormous academic value since a few studies have undertaken in this areaDOI: 10.15408/aiq.v10i1.4563

Rational BRDF.

Science.gov (United States)

Pacanowski, Romain; Salazar Celis, Oliver; Schlick, Christophe; Granier, Xavier; Poulin, Pierre; Cuyt, Annie

2012-11-01

Over the last two decades, much effort has been devoted to accurately measuring Bidirectional Reflectance Distribution Functions (BRDFs) of real-world materials and to use efficiently the resulting data for rendering. Because of their large size, it is difficult to use directly measured BRDFs for real-time applications, and fitting the most sophisticated analytical BRDF models is still a complex task. In this paper, we introduce Rational BRDF, a general-purpose and efficient representation for arbitrary BRDFs, based on Rational Functions (RFs). Using an adapted parametrization, we demonstrate how Rational BRDFs offer 1) a more compact and efficient representation using low-degree RFs, 2) an accurate fitting of measured materials with guaranteed control of the residual error, and 3) efficient importance sampling by applying the same fitting process to determine the inverse of the Cumulative Distribution Function (CDF) generated from the BRDF for use in Monte-Carlo rendering.

ASSESING THE DETERMINANTS OF BANK LIQUIDITY. CASE STUDY ROMANIAN BANKING SYSTEM

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Florin Alexandru LUCA

2016-06-01

Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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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.

Cooperation or Competition: An Evolutionary Game Study between Commercial Banks and Big Data-Based E-Commerce Financial Institutions in China

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Yi Zhao

2015-01-01

Full Text Available On the premise of participants’ bounded rationality and information asymmetry, this paper focuses on the cooperation or competition relationship between Chinese e-commerce financial institutions and commercial banks from the perspective of dynamic game. Theoretical mathematical model is built to analyze an evolutionary stable strategy under different conditions. We adopt real-life data set collected in Alibaba’s network credit loan business case and Jingdong’s supply chain financing business case to verify the evolution process of cooperation and competition relationship. The results show that (cooperation, cooperation is bound to be the evolutionary stable strategy (ESS and cooperation tends to be increasingly in-depth and expansive for commercial banks as well as e-commerce financial institutions in China. The complementarity of participants’ core competitiveness is explored as the root of cooperation. Finally, strategic suggestions are put forward on cooperation between e-commerce financial institutions and commercial banks.

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...

Strategic positioning in banking industry: Evidence from banking industry

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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.

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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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.

Is It Rational to Assume that Infants Imitate Rationally? A Theoretical Analysis and Critique

Science.gov (United States)

Paulus, Markus

2012-01-01

It has been suggested that preverbal infants evaluate the efficiency of others' actions (by applying a "principle of rational action") and that they imitate others' actions rationally. The present contribution presents a conceptual analysis of the claim that preverbal infants imitate rationally. It shows that this ability rests on at least three…

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

... Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant... ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring to become member banks. (a) Application for stock or deposit. Each national bank in process of organization...

USERS' PREFERENCE TOWARDS TRADITIONAL BANKING VERSUS E-BANKING – AN ANALYSIS

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

Banking transactions that takes place in a virtual ambience on the website of a banking company or a financial institution is termed as ‘Internet Banking’. The essence of Internet banking lies in on-line access by customers of banking and financial services. This is the right time to discuss about the customer prefer whether traditional banking or online banking. What are reasons are beyond that for their preference has been analysed here. Finally, it is concluded that as people are very clos...

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

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Yaser Taufik Syamlan

2017-06-01

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

Bounded Rationality and Budgeting

OpenAIRE

Ibrahim, Mukdad

2016-01-01

This article discusses the theory of bounded rationality which had been introduced by Herbert Simon in the 1950s. Simon introduced the notion of bounded rationality stating that while decision-makers strive for rationality, they are limited by the effect of the environment, their information process capacity and by the constraints on their information storage and retrieval capabilities. Moreover, this article tries to specifically blend this notion into budgeting, using the foundations of inc...

Bank regulation and financial fragility in developing countries: Does bank structure matter?

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Jeroen Klomp

2015-12-01

Full Text Available Using data for 1238 banks located in 94 developing and emerging countries, we explore whether the impact of bank regulation and supervision on banking risk (measured by the banks’ Z-scores depends on bank structure. Our findings suggest that stricter regulation and supervision increases the banks’ Z-scores. Notably capital requirements and supervisory control diminish banking risk. However, the effectiveness of other dimensions of regulation and supervision depends on the organizational structure of banks. Notably activity restrictions reduce risk of large and foreign owned banks, while liquidity restrictions have most effect on the Z-scores of unlisted and commercial banks.

Analisis Kinerja Keuangan Bank Sebelum Dan Sesudah Diakuisisi Oleh Investor Asing: Studi Empiris Pada Bank Central Asia Dan Bank Niaga

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Yen Sun

2011-11-01

Full Text Available Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity. The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

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Muhammad Shakil AHMAD

2011-01-01

Full Text Available This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services.

A study on relationship between electronic banking and liquidity management on Iranian banks

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Hassan Ghodrati

2014-06-01

Full Text Available E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

Soil seed banks Banco de sementes do solo

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P.J. Christoffoleti

1998-01-01

Full Text Available The goal of this literature review is to discuss some of the major aspects of the soil seed bank, from its characteristics down to methodological aspects of its determination. Soil seed bank is the reservoir of viable seeds or of vegetative propagules that are present in the soil and that are able to recompose a natural vegetation. In the agroecossystems the soil seed bank is related to weeds, and the knowledge of its size and composition in terms of species can be used in the prediction of future infestations, to built simulation models of population establishment through time and also the definition of soil and cultural management programs, in order to have a rational use of herbicides.O objetivo desta revisão é discorrer sobre alguns pontos importantes no estudo do banco de sementes no solo, desde as sua características até aspectos metodológicos para sua determinação. Denomina-se de banco de sementes a reserva destas ou de propágulos vegetativos viáveis presentes no solo e que são capazes de recompor uma vegetação. Nos sistemas agrícolas o banco está relacionado com o estudo das plantas daninhas; o conhecimento do seu tamanho e das espécies que o compõem poderá ser utilizado na previsão de infestações futuras, na construção de modelos de estabelecimentos populacionais no tempo e consequentemente na definição de programas de manejo de solo e culturais, visando racionalizar a utilização de herbicidas.

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’

Rational valuations

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Georg Spielthenner

2007-01-01

Full Text Available Valuations are ubiquitous. We may be for or against genetically modified food; we find some politicians irresponsible; we prefer Beethoven to rock ‘n’ roll or vice versa; some enjoy bird-watching while others find it boring; and we may think that we have to tighten up on green-house gas emissions. Valuing is pervasive and often we are not even aware that we are valuing. However, many of ourvaluations are ill grounded and rationally defective. They are frequently based on misinformation, sloppy thinking, prejudice, and are biased in many ways as psychological research shows. For this reason there is widespread agreement among phi-losophers that we need an account of substantive valuational rationality, both for the theory of practical reasoning and for ethics as well. My main objectin this paper is to outline such an account and to present a principle that allows a non-technical rational criticism of valuations

Rational emotions.

Science.gov (United States)

Meshulam, Meir; Winter, Eyal; Ben-Shakhar, Gershon; Aharon, Itzhak

2012-01-01

We present here the concept of rational emotions: Emotions may be directly controlled and utilized in a conscious, analytic fashion, enabling an individual to size up a situation, to determine that a certain "mental state" is strategically advantageous and adjust accordingly. Building on the growing body of literature recognizing the vital role of emotions in determining decisions, we explore the complementary role of rational choice in choosing emotional states. Participants played the role of "recipient" in the dictator game, in which an anonymous "dictator" decides how to split an amount of money between himself and the recipient. A subset of recipients was given a monetary incentive to be angry at low-split offers. That subset demonstrated increased physiological arousal at low offers relative to high offers as well as more anger than other participants. These results provide a fresh outlook on human decision-making and contribute to the continuing effort to build more complete models of rational behavior.

DISTANCE BANKING SERVICES - A SOLUTION FOR THE ROMANIAN MANAGEMENT BANKING SYSTEM

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ELENA SILVIA DINCULESCU

2010-01-01

Full Text Available Involved in the competition to attract and turn the clientele faithful, banks develop a series of activities that could increase their popularity, trust, and acknowledgement. Thus, creating a distance banking service is an opportunity that must be put into value. The present tendency at international level is the significant decrease of the importance of distribution channels through the classic banking network. In this context, active banks in Romania cannot be dissociated from the existing tendencies, and the spectacular dynamics of distance banking services in the last years has shown that, in a future closer than expected, clients might abandon the services of a bank with bad quality e-banking.

Models for Rational Number Bases

Science.gov (United States)

Pedersen, Jean J.; Armbruster, Frank O.

1975-01-01

This article extends number bases to negative integers, then to positive rationals and finally to negative rationals. Methods and rules for operations in positive and negative rational bases greater than one or less than negative one are summarized in tables. Sample problems are explained and illustrated. (KM)

The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience

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Pooja MALHOTRA

2009-11-01

Full Text Available The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank

Tanggung Jawab Bank terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Elektronik Banking

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Selly Maulina

2016-12-01

ABSTRACT. The strong development economy requires a bank as a financial institution that is safe for undertaking various financial activities.The positive impact of developments on financial services is the use of e-bankingis also known as internet banking is the bank services that enable customers to obtain information, communicate and conduct banking transactions through the internet, quickly, can be done anywhere and anytime. Internet banking transactions can also pose some risk, Article 1, paragraph (2 of Bank Indonesia Regulation No. 5/8/PBI/2003 on the Application of Risk Management for Commercial Bank said that the risk is the potential for the occurrence of an event  that can cause harm. Risks experienced by customers of PT. BNIS and PT. BCA. According to the Bank Indonesia Regulation Number 10/10/PBI/2008 on the Settlement of customer complaints,customers who suffered the financial  losses can lodge a complaint by means of submitting a complaint to the bank. The protection from a legal perspective rule has no detail rules yet about internet banking so bank makes initiave on internet banking terms and condition.The agreement prioritize customer client obligations rather than rights.

Are security analysts rational? a literature review

OpenAIRE

Peixinho, Rúben; Coelho, Luís; Taffler, Richard J.

2005-01-01

Rational choice theory and bounded rationality constitute the basis for the discussion in several areas regarding human rationality. In finance, this discussion has been made between traditional finance and behavioural finance approach, which have different perspectives concerning market agents’ rationality. This paper reviews several studies addressing rationality among security analysts. The analysis shows that analysts’systematic optimism seems to be inconsistent with rationality....

A Bio-Realistic Analog CMOS Cochlea Filter With High Tunability and Ultra-Steep Roll-Off.

Science.gov (United States)

Wang, Shiwei; Koickal, Thomas Jacob; Hamilton, Alister; Cheung, Rebecca; Smith, Leslie S

2015-06-01

This paper presents the design and experimental results of a cochlea filter in analog very large scale integration (VLSI) which highly resembles physiologically measured response of the mammalian cochlea. The filter consists of three specialized sub-filter stages which respectively provide passive response in low frequencies, actively tunable response in mid-band frequencies and ultra-steep roll-off at transition frequencies from pass-band to stop-band. The sub-filters are implemented in balanced ladder topology using floating active inductors. Measured results from the fabricated chip show that wide range of mid-band tuning including gain tuning of over 20 dB, Q factor tuning from 2 to 19 as well as the bio-realistic center frequency shift are achieved by adjusting only one circuit parameter. Besides, the filter has an ultra-steep roll-off reaching over 300 dB/dec. By changing biasing currents, the filter can be configured to operate with center frequencies from 31 Hz to 8 kHz. The filter is 9th order, consumes 59.5 ∼ 90.0 μW power and occupies 0.9 mm2 chip area. A parallel bank of the proposed filter can be used as the front-end in hearing prosthesis devices, speech processors as well as other bio-inspired auditory systems owing to its bio-realistic behavior, low power consumption and small size.

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 ...

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

Business ethics is considered critical for the reputation and competitive power of banks, especially in China after WTO Entry. This study applied the theory and research on ethical practices of successful managers and ethics control mechanisms to identify the ethical climates that result in ethical behaviors in the banking. 141 employees from different banks in Shanghai, China, completed measures of all scales in the survey. The results support the theorizing of the value of well-formed business ethics in the banking in China. The correlation and structural equation analysis suggests that ethical practices of successful managers and ethics control mechanisms of banks reinforce three ethical climates of 'service', 'law and rules' and 'caring' that promote the ethical level of employees, and the independence and instrumental climate on the contrary. This study also found that there are three ethics control mechanisms most commonly used in the banking and ethics-focused reward system is believed to be a mostly effective one by the employees of banking in China.

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

Full Text Available This paper investigates the difference between the dividend payout policy of Islamic banks and conventional banks in Pakistan for a period from 2012 to 2016 analyzing the data through regression using Least Square Method (OLS. Specifically, the study aims to study the impact of the profitability, liquidity, revenue growth and financial leverage on the dividend payout policy of the Islamic Banks and conventional banks of Pakistan and how Islamic banks dividend policy differs from conventional banks. This study concludes that the factors like liquidity and financial leverage should be considered and addressed accordingly, because these are key indicators to help policymakers and investors in assessing the performance of the Islamic Banking Industry. DOI: 10.15408/aiq.v10i1.6103

The Banks Rating Analysis The Differences Between The Regional Development Banks And Non-Foreign Exchange Commercial Banks In Indonesia

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Dr. Irwan Ch

2017-06-01

Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.

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

Limited rationality and strategic interaction

DEFF Research Database (Denmark)

Fehr, Ernst; Tyran, Jean-Robert

2008-01-01

Much evidence suggests that people are heterogeneous with regard to their abilities to make rational, forward-looking decisions. This raises the question as to when the rational types are decisive for aggregate outcomes and when the boundedly rational types shape aggregate results. We examine...... this question in the context of a long-standing and important economic problem: the adjustment of nominal prices after an anticipated monetary shock. Our experiments suggest that two types of bounded rationality-money illusion and anchoring-are important behavioral forces behind nominal inertia. However......, depending on the strategic environment, bounded rationality has vastly different effects on aggregate price adjustment. If agents' actions are strategic substitutes, adjustment to the new equilibrium is extremely quick, whereas under strategic complementarity, adjustment is both very slow and associated...

The mechanisms for filling carbon nanotubes with molten salts: carbon nanotubes as energy landscape filters

International Nuclear Information System (INIS)

Bishop, Clare L; Wilson, Mark

2009-01-01

The mechanisms for filling carbon nanotubes with molten salts are investigated using molecular dynamics computer simulation. Inorganic nanotubular structures, whose morphologies can be rationalized in terms of the folding, or the removal of sections from, planes of square nets are found to form. The formation mechanisms are found to follow a 'chain-by-chain' motif in which the structures build systematically from charge neutral M-X-M-Xc chains. The formation mechanisms are rationalized in terms of the ion-ion interactions (intra-chain and inter-chain terms). In addition, the mechanisms of filling are discussed in terms of a 'hopping' between basins on the underlying energy landscape. The role of the carbon nanotube as an energy landscape filter is discussed.

Bank Stability and Competition: Evidence from Albanian Banking Market

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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.

Interpolation of rational matrix functions

CERN Document Server

Ball, Joseph A; Rodman, Leiba

1990-01-01

This book aims to present the theory of interpolation for rational matrix functions as a recently matured independent mathematical subject with its own problems, methods and applications. The authors decided to start working on this book during the regional CBMS conference in Lincoln, Nebraska organized by F. Gilfeather and D. Larson. The principal lecturer, J. William Helton, presented ten lectures on operator and systems theory and the interplay between them. The conference was very stimulating and helped us to decide that the time was ripe for a book on interpolation for matrix valued functions (both rational and non-rational). When the work started and the first partial draft of the book was ready it became clear that the topic is vast and that the rational case by itself with its applications is already enough material for an interesting book. In the process of writing the book, methods for the rational case were developed and refined. As a result we are now able to present the rational case as an indepe...

Cooperation or Competition: An Evolutionary Game Study between Commercial Banks and Big Data-Based E-Commerce Financial Institutions in China

OpenAIRE

Yi Zhao; Dong Li; Liqiang Pan

2015-01-01

On the premise of participants’ bounded rationality and information asymmetry, this paper focuses on the cooperation or competition relationship between Chinese e-commerce financial institutions and commercial banks from the perspective of dynamic game. Theoretical mathematical model is built to analyze an evolutionary stable strategy under different conditions. We adopt real-life data set collected in Alibaba’s network credit loan business case and Jingdong’s supply chain financing business ...

Particulate removal processes and hydraulics of porous gravel media filters

Science.gov (United States)

Minto, J. M.; Phoenix, V. R.; Dorea, C. C.; Haynes, H.; Sloan, W. T.

2013-12-01

Sustainable urban Drainage Systems (SuDS) are rapidly gaining acceptance as a low-cost tool for treating urban runoff pollutants close to source. Road runoff water in particular requires treatment due to the presence of high levels of suspended particles and heavy metals adsorbed to these particles. The aim of this research is to elucidate the particle removal processes that occur within gravel filters that have so far been considered as 'black-box' systems. Based on these findings, a better understanding will be attained on what influences gravel filter removal efficiency and how this changes throughout their design life; leading to a more rational design of this useful technology. This has been achieved by tying together three disparate research elements: tracer residence time distribution curves of filters during clogging; 3D magnetic resonance imaging (MRI) of clogging filters and computational fluid dynamics (CFD) modelling of complex filter pore networks. This research relates column average changes in particle removal efficiency and tracer residence time distributions (RTDs) due to clogging with non-invasive measurement of the spatial variability in particle deposition. The CFD modelling provides a link between observed deposition patterns, flow velocities and wall shear stresses as well as the explanations for the change in RTD with clogging and the effect on particle transport. Results show that, as a filter clogs, particles take a longer, more tortuous path through the filter. This is offset by a reduction in filter volume resulting in higher flow velocities and more rapid particle transport. Higher velocities result in higher shear stresses and the development of preferential pathways in which the velocity exceeds the deposition threshold and the overall efficiency of the filter decreases. Initial pore geometry is linked to the pattern of deposition and subsequent formation of preferential pathways. These results shed light on the 'black-box' internal

An empirical analysis of macroeconomic and bank-specific factors affecting liquidity of Indian banks

Directory of Open Access Journals (Sweden)

Anamika Singh

2016-06-01

Full Text Available This paper investigates bank-specific and macroeconomic factors that determine the liquidity of Indian banks. To explore the association, we perform OLS, fixed effect and random effect estimates on a data set of 59 banks from 2000 to 2013. Studied bank-specific factors include bank size, profitability, cost of funding, capital adequacy and deposits. GDP, inflation and unemployment are the macroeconomic factors considered. We also perform liquidity trend analysis of Indian banks based on ownership. Findings reveal that bank ownership affects liquidity of banks. Based on panel data analysis, we suggest that bank-specific (except cost of funding and macroeconomic (except unemployment factors significantly affect bank liquidity. These include bank size, deposits, profitability, capital adequacy, GDP and inflation. Further, bank size and GDP were found to have a negative effect on bank liquidity. On the other hand, deposits, profitability, capital adequacy and inflation showed a positive effect on bank liquidity. Cost of funding and unemployment showed an insignificant effect on bank liquidity. Our paper highlights new facts for enhanced understanding of liquidity in emerging economies like India.

The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

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Mansor H. Ibrahim

2017-02-01

Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

KEWAJIBAN BANK UNTUK LAPOR PERPAJAKAN ATAS DATA NASABAH BANK YANG MENGGUNAKAN JASA KARTU KREDIT DITINJAU DARI PRINSIP KERAHASIAAN BANK

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

Bank is the main actor in a country's economic. however, bank has a high dependency on their customers, which that means bank cannot operate without the people, in this case the customers who use their services. To maintain its bond with the customers, bank have to at least fulfill three principles, and one of those principles is principle of confidentiality. With the principle of confidentiality, bank have to keep well their customers privacy, but there are some affiliated party ...

An analysis of river bank slope and unsaturated flow effects on bank storage.

Science.gov (United States)

Doble, Rebecca; Brunner, Philip; McCallum, James; Cook, Peter G

2012-01-01

Recognizing the underlying mechanisms of bank storage and return flow is important for understanding streamflow hydrographs. Analytical models have been widely used to estimate the impacts of bank storage, but are often based on assumptions of conditions that are rarely found in the field, such as vertical river banks and saturated flow. Numerical simulations of bank storage and return flow in river-aquifer cross sections with vertical and sloping banks were undertaken using a fully-coupled, surface-subsurface flow model. Sloping river banks were found to increase the bank infiltration rates by 98% and storage volume by 40% for a bank slope of 3.4° from horizontal, and for a slope of 8.5°, delay bank return flow by more than four times compared with vertical river banks and saturated flow. The results suggested that conventional analytical approximations cannot adequately be used to quantify bank storage when bank slope is less than 60° from horizontal. Additionally, in the unconfined aquifers modeled, the analytical solutions did not accurately model bank storage and return flow even in rivers with vertical banks due to a violation of the dupuit assumption. Bank storage and return flow were also modeled for more realistic cross sections and river hydrograph from the Fitzroy River, Western Australia, to indicate the importance of accurately modeling sloping river banks at a field scale. Following a single wet season flood event of 12 m, results showed that it may take over 3.5 years for 50% of the bank storage volume to return to the river. © 2011, The Author(s). Ground Water © 2011, National Ground Water Association.

Foreign bank entry impacted domestic-owned banks in Ghana from 1975 to 2008

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Nsiah K. Acheampong

2013-12-01

Full Text Available This article empirically examines the effects of foreign bank entry on the financial performance of Merchant Bank Ghana Limited and Ghana Commercial Banks Limited in Ghana from 1975 to 2008. The main result of the pooled regression was that foreign bank entry relatively increased domestic banks’ return on assets for the period 1992-2008; a period with a high influx of foreign banks into Ghana. This result supported the studies by Beck, Demirguc-Kunt, and Levine (2006 and Boldrin and Levine (2009 that found that foreign bank entry enhanced domestic banks profitability margins. The presence of foreign-owned banks was not detrimental to the financial performance of the domestic-owned banks in Ghana.

Pleasant/Unpleasant Filtering for Affective Image Retrieval Based on Cross-Correlation of EEG Features

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Keranmu Xielifuguli

2014-01-01

Full Text Available People often make decisions based on sensitivity rather than rationality. In the field of biological information processing, methods are available for analyzing biological information directly based on electroencephalogram: EEG to determine the pleasant/unpleasant reactions of users. In this study, we propose a sensitivity filtering technique for discriminating preferences (pleasant/unpleasant for images using a sensitivity image filtering system based on EEG. Using a set of images retrieved by similarity retrieval, we perform the sensitivity-based pleasant/unpleasant classification of images based on the affective features extracted from images with the maximum entropy method: MEM. In the present study, the affective features comprised cross-correlation features obtained from EEGs produced when an individual observed an image. However, it is difficult to measure the EEG when a subject visualizes an unknown image. Thus, we propose a solution where a linear regression method based on canonical correlation is used to estimate the cross-correlation features from image features. Experiments were conducted to evaluate the validity of sensitivity filtering compared with image similarity retrieval methods based on image features. We found that sensitivity filtering using color correlograms was suitable for the classification of preferred images, while sensitivity filtering using local binary patterns was suitable for the classification of unpleasant images. Moreover, sensitivity filtering using local binary patterns for unpleasant images had a 90% success rate. Thus, we conclude that the proposed method is efficient for filtering unpleasant images.

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 ...

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

We explore the determinants of the number of long-term bank relations of listed Japanese firms using a unique data set covering the period 1982-1999. Having a relation with a top-equity holding bank reduces the number of bank relations, while debt-rich and cash-poor firms have more bank relations.

History of Economic Rationalities

DEFF Research Database (Denmark)

This book concentrates upon how economic rationalities have been embedded into particular historical practices, cultures, and moral systems. Through multiple case-studies, situated in different historical contexts of the modern West, the book shows that the development of economic rationalities...... takes place in the meeting with other regimes of thought, values, and moral discourses. The book offers new and refreshing insights, ranging from the development of early economic thinking to economic aspects and concepts in the works of classical thinkers such as Thomas Hobbes, John Locke and Karl Marx......, to the role of economic reasoning in contemporary policies of art and health care. With economic rationalities as the read thread, the reader is offered a unique chance of historical self-awareness and recollection of how economic rationality became the powerful ideological and moral force that it is today....

Traditional Medicine Through the Filter of Modernity: A brief historical analysis

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R. Rabarihoela Razafimandimby

2014-12-01

Full Text Available Traditional medicines still prevail in current Malagasy context. A careful historical analysis shows however that Malagasy traditional medicine has been screened through many filters before being accepted in a global context. Traditional medicine in its authentic form has been more or less rejected with the advent of  modern medicine – although not without reaction. This paper will retrace the historical encountering of the modern and traditional to determine the extent to which traditional medicine is acknowledged and used in the current prevailing modern, rational and scientific global context.

Efficiency and Competition in the Malaysian Banking Market: Foreign versus Domestic Banks

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Rossazana Ab-Rahim

2017-08-01

Full Text Available The aim of this paper is to investigate efficiency performance of Malaysian banking market using data envelopment analysis approach in the context of the increasing presence of foreign banks. Specifically, two measures of efficiency are constructed, cost and profit efficiency by utilizing bank-level data of Malaysian commercial banks, over the period 2003 to 2014. The results obtained show the domestic banks are more efficient than the foreign banks counterparts for both measures of efficiency. Next, the Lerner Index approach is employed to measure competition and finally, Granger causality tests are undertaken to answer the question, does competition foster efficiency? The results of causality tests support a positive effect of competition on cost and profit efficiency of Malaysian banks. With regard to the financial liberalization, the findings imply that higher competitive pressure may be offset the market power of individual banks; however, eventually it will results in efficiency gains of Malaysian banks.

Does Concentration Matter for Bank Stability? Evidence from the Albanian Banking Sector

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Shijaku Gerti

2017-09-01

Full Text Available Motivated by the debate on the concentration-stability nexus, this paper studies the impact of bank concentration on the likelihood of a country suffering systemic bank fragility. For this reason, we followed a new approach using on-site bank balance sheet information to construct our proxy that represents each bank stability condition and uses a variety of internal and external factors to estimate a balance panel dynamic two-step General Method of Moments (GMM approach for the period 2008 - 2015. First, results provide supportive evidence consistent with the concentration-fragility view. Second, macroeconomic variables seem to have a significant effect on bank stability, which is not found for the sovereignty primary risk. By contrast, the bank-specific variables have also a significant effect on bank stability conditions. Finally, non-systemic banks are found to be more sensitive to macroeconomic condition and market concentration, while the better capitalised banks are less sensitive to fragility at the expense of lower operation efficiency.

Pricing linkage between Islamic banking and conventional banking: The case of Bangladesh

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Sarwar Uddin Ahmed

2014-11-01

Full Text Available Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.   On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

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...

Psychology and the Rationality of Emotion.

Science.gov (United States)

Clore, Gerald L

2011-04-01

Questions addressed by recent psychological research on emotion include questions about how thought shapes emotion and how emotion, in turn, shapes thought. Research on emotion and cognition paints a somewhat different picture than that seen in traditional discussions of passion and reason. This article reviews several aspects of this research, concentrating specifically on three views of rationality: Rationality as Process, Rationality as Product, and Rationality as Outcome.

Psychology and the Rationality of Emotion*

OpenAIRE

Clore, Gerald L.

2011-01-01

Questions addressed by recent psychological research on emotion include questions about how thought shapes emotion and how emotion, in turn, shapes thought. Research on emotion and cognition paints a somewhat different picture than that seen in traditional discussions of passion and reason. This article reviews several aspects of this research, concentrating specifically on three views of rationality: Rationality as Process, Rationality as Product, and Rationality as Outcome.

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.

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.

Testing bounded rationality against full rationality in job changing behavior

OpenAIRE

Contini, Bruno; Morini, Matteo

2007-01-01

In this paper we question the hypothesis of full rationality in the context of job changing behaviour, via simple econometric explorations on microdata drawn from WHIP (Worker Histories Italian Panel). Workers' performance is compared at the end of a three-year time window that starts when choices are expressed, under the accepted notion that the main driving forces of job change are future real wages and expected job quality. Bounded rationality suggests that individuals will search for new ...

Testing Bounded Rationality Against Full Rationality in Job Changing Behavior

OpenAIRE

Bruno Contini

2008-01-01

In this paper I question the hypothesis of full rationality in the context of job changing behaviour, via simple econometric explorations on microdata drawn from WHIP (Worker Histories Italian Panel). Workers’ performance is compared at the end of a three-year time window that starts when choices are expressed, under the accepted notion that the main driving forces of job change are future real wages and expected job quality. Bounded rationality suggests that individuals will search for new o...

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.

A Proposal of Client Application Architecture using Loosely Coupled Component Connection Method in Banking Branch System

Science.gov (United States)

Someya, Harushi; Mori, Yuichi; Abe, Masahiro; Machida, Isamu; Hasegawa, Atsushi; Yoshie, Osamu

Due to the deregulation of financial industry, the branches in banking industry need to shift to the sales-oriented bases from the operation-oriented bases. For corresponding to this movement, new banking branch systems are being developed. It is the main characteristics of new systems that we bring the form operations that have traditionally been performed at each branch into the centralized operation center for the purpose of rationalization and efficiency of the form operations. The branches treat a wide variety of forms. The forms can be described by common items in many cases, but the items include the different business logic and each form has the different relation among the items. And there is a need to develop the client application by user oneself. Consequently the challenge is to arrange the development environment that is high reusable, easy customizable and user developable. We propose a client application architecture that has a loosely coupled component connection method, and allows developing the applications by only describing the screen configurations and their transitions in XML documents. By adopting our architecture, we developed client applications of the centralized operation center for the latest banking branch system. Our experiments demonstrate good performances.

Psychology and the Rationality of Emotion*

Science.gov (United States)

Clore, Gerald L.

2014-01-01

Questions addressed by recent psychological research on emotion include questions about how thought shapes emotion and how emotion, in turn, shapes thought. Research on emotion and cognition paints a somewhat different picture than that seen in traditional discussions of passion and reason. This article reviews several aspects of this research, concentrating specifically on three views of rationality: Rationality as Process, Rationality as Product, and Rationality as Outcome. PMID:25125770

ELECTRONIC BANKING AS ANS COMPETITIVE EDGE FOR COMMERCIAL BANKS OF PAKISTAN: ROE MODEL

Directory of Open Access Journals (Sweden)

Sundas Rauf

2013-12-01

Full Text Available The impact of electronic banking on the profitability of commercial banks has been measured by developing the integrated model based on Return on Equity for the period of 2002 to 2012. Three major banks named as National Bank of Pakistan, Habib Metropolitan Bank, and Askari Bank Limited have been incorporated into the sample of this study, by applying the Ordinary Least Square (OLS , it has been concluded that services of E-Banking have significant impact on the profitability of recent adopters in terms of Return on Equity.

Legal and actual central bank independence : A case study of Bank of Indonesia

NARCIS (Netherlands)

Artha, I.K.D.S.; de Haan, J.

2010-01-01

Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period

Small finance banks: Challenges

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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.

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...

DISTRIBUTED RC NETWORKS WITH RATIONAL TRANSFER FUNCTIONS,

Science.gov (United States)

A distributed RC circuit analogous to a continuously tapped transmission line can be made to have a rational short-circuit transfer admittance and...one rational shortcircuit driving-point admittance. A subcircuit of the same structure has a rational open circuit transfer impedance and one rational ...open circuit driving-point impedance. Hence, rational transfer functions may be obtained while considering either generator impedance or load

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

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...

STUDI KOMPARATIF KINERJA BANK SYARIAH DAN BANK KONVENSIONAL DALAM MENGHADAPI KRISIS GLOBAL BERDASARKAN RASIO KEUANGAN

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

Full Text Available At the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis. Keywords: shariah banking, conventional banking, performance.

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...

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...

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...

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

Tujuan dilakukan penelitian ini adalah untuk mengetahui bagaimana peratuan Perundang-undangan yang melindungi nasabah bank pengguna internet banking dari ancaman cybercrime, dan bagaimana mekanisme perlindungan dan tanggungjawab yang diberikan pihak bank terhadap nasabah yang mengalami masalah dalam pengguna internet banking. Berdasarkan penelitian normatif disimpulkan bahwa; 1. Sumber hukum formal mengenai bidang perbankan, adalah UUD 1945 (Pasal 1 ayat 3), Undang-undang Nomor 7 Tahun 1992 ...

Max Weber's Types of Rationality: Cornerstones for the Analysis of Rationalization Processes in History.

Science.gov (United States)

Kalberg, Stephen

1980-01-01

Explores rationality in Max Weber's works and identifies four types of rationality which play major roles in his writing--practical, theoretical, substantive, and formal. Implications for society and education are discussed. (DB)

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.

Bank Ownership, Board Characteristics and Performance: Evidence from Commercial Banks in India

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

Full Text Available We study the effect of board governance in state-owned and private banks by undertaking a study of commercial banks in India that has both bank groups. Covering a ten-year period from 2003 to 2012 that witnessed a large number of governance reforms in India, the results of our empirical analysis provide evidence of strong ownership effects with board independence exhibiting a significant positive correlation with the performance of private banks and a significant but negative correlation with the performance of state-owned banks. The effect of CEO duality is negative in state-owned banks where incidence of CEO duality is high. We find that a longer CEO tenure has significant positive effects on bank outcomes with these effects strengthening in the later years of CEO tenure. Our results have governance implications for strengthening the composition of board of directors and CEO tenure especially in state-owned banks.

A simple structure wavelet transform circuit employing function link neural networks and SI filters

Science.gov (United States)

Mu, Li; Yigang, He

2016-12-01

Signal processing by means of analog circuits offers advantages from a power consumption viewpoint. Implementing wavelet transform (WT) using analog circuits is of great interest when low-power consumption becomes an important issue. In this article, a novel simple structure WT circuit in analog domain is presented by employing functional link neural network (FLNN) and switched-current (SI) filters. First, the wavelet base is approximated using FLNN algorithms for giving a filter transfer function that is suitable for simple structure WT circuit implementation. Next, the WT circuit is constructed with the wavelet filter bank, whose impulse response is the approximated wavelet and its dilations. The filter design that follows is based on a follow-the-leader feedback (FLF) structure with multiple output bilinear SI integrators and current mirrors as the main building blocks. SI filter is well suited for this application since the dilation constant across different scales of the transform can be precisely implemented and controlled by the clock frequency of the circuit with the same system architecture. Finally, to illustrate the design procedure, a seventh-order FLNN-approximated Gaussian wavelet is implemented as an example. Simulations have successfully verified that the designed simple structure WT circuit has low sensitivity, low-power consumption and litter effect to the imperfections.

The concept of rational suicide.

Science.gov (United States)

Mayo, D J

1986-05-01

Suicide has been condemned in our culture in one way or another since Augustine offered theological arguments against it in the sixth century. More recently, theological condemnation has given way to the view that suicidal behavior must always be symptomatic of emotional disturbance and mental illness. However, suicide has not always been viewed so negatively. In other times and cultures, it has been held that circumstances might befall a person in which suicide would be a perfectly rational course of action, in the same sense that any other course of action could be rational: that it could be sensible, i.e., defensible by good reasons, or that it could be in keeping with the agent's fundamental interests. Indiscriminate use of modern life-sustaining technologies has renewed interest in the possibility of rational suicide. Today proponents of rational suicide tend to equate the rationality of suicide with the competence of the decision to commit suicide.

The banking union and the financial and banking system reform in EU

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

Full Text Available Coordination among supervisors in financial and banking system is vital, but the financial crisis has shown that is not enough, and especially in the context of a single currency would require more common actions in EU. Therefore, the European Commission proposed “the creation of a banking union”, in order to place the banking sector on a more solid base and to restore confidence in the single currency, as part of a longer-term vision for the promotion of the economic and fiscal integration. Therefore, the new direction of the reform of the financial sector is "the creation of a banking union", that will help: to strengthen banks supervision, to ensure better deposits security, to recapitalize banks and last but not least to achieve the centralized management of the banking crises.

Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

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Muhamad Abduh

2008-01-01

Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

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Gatot Nazir Ahmad

2014-04-01

Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

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

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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...

76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-07-27

..., and Logan County Bank, Lincoln, Illinois. C. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen L. Grobel, Tabb... thereby indirectly acquire voting shares of First Community Bank, Glasgow, Montana. In addition, Stephen L...

RATGRAPH: Computer Graphing of Rational Functions.

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Minch, Bradley A.

1987-01-01

Presents an easy-to-use Applesoft BASIC program that graphs rational functions and any asymptotes that the functions might have. Discusses the nature of rational functions, graphing them manually, employing a computer to graph rational functions, and describes how the program works. (TW)

Effects of e-banking on growth of customer base in kenyan banks

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

The study highlights the effects of E-banking services on growth of customer base in Kenyan banks for over the last five years. It addresses issues that affect effective utilization of E-banking facilities by customers. The study generally investigates how lack of technological know-how, illiteracy, unreliability, and transaction limits has hindered growth of on-line customer base in Kenyan banks. E-banking provides enormous benefits to consumers in terms of time saving and cost of transactio...

Banking beyond banks and money a guide to banking services in the twenty-first century

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Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...

F-theory and all things rational: surveying U(1) symmetries with rational sections

International Nuclear Information System (INIS)

Lawrie, Craig; Schäfer-Nameki, Sakura; Wong, Jin-Mann

2015-01-01

We study elliptic fibrations for F-theory compactifications realizing 4d and 6d supersymmetric gauge theories with abelian gauge factors. In the fibration these U(1) symmetries are realized in terms of additional rational section. We obtain a universal characterization of all the possible U(1) charges of matter fields by determining the corresponding codimension two fibers with rational sections. In view of modelling supersymmetric Grand Unified Theories, one of the main examples that we analyze are U(1) symmetries for SU(5) gauge theories with 5̄ and 10 matter. We use a combination of constraints on the normal bundle of rational curves in Calabi-Yau three- and four-folds, as well as the splitting of rational curves in the fibers in codimension two, to determine the possible configurations of smooth rational sections. This analysis straightforwardly generalizes to multiple U(1)s. We study the flops of such fibers, as well as some of the Yukawa couplings in codimension three. Furthermore, we carry out a universal study of the U(1)-charged GUT singlets, including their KK-charges, and determine all realizations of singlet fibers. By giving vacuum expectation values to these singlets, we propose a systematic way to analyze the Higgsing of U(1)s to discrete gauge symmetries in F-theory.

"Leaky" Rationality: How Research on Behavioral Decision Making Challenges Normative Standards of Rationality.

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Keys, Daniel J; Schwartz, Barry

2007-06-01

For more than 30 years, decision-making research has documented that people often violate various principles of rationality, some of which are so fundamental that theorists of rationality rarely bother to state them. We take these characteristics of decision making as a given but argue that it is problematic to conclude that they typically represent departures from rationality. The very psychological processes that lead to "irrational" decisions (e.g., framing, mental accounting) continue to exert their influence when one experiences the results of the decisions. That is, psychological processes that affect decisions may be said also to "leak" into one's experience. The implication is that formal principles of rationality do not provide a good enough normative standard against which to assess decision making. Instead, what is needed is a substantive theory of rationality-one that takes subjective experience seriously, considers both direct and indirect consequences of particular decisions, considers how particular decisions fit into life as a whole, and considers the effects of decisions on others. Formal principles may play a role as approximations of the substantive theory that can be used by theorists and decision makers in cases in which the formal principles can capture most of the relevant considerations and leakage into experience is negligible. © 2007 Association for Psychological Science.

Popper, Rationality and the Possibility of Social Science

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Danny Frederick

2013-02-01

Full Text Available Social science employs teleological explanations which depend upon the rationality principle, according to which people exhibit instrumental rationality. Popper points out that people also exhibit critical rationality, the tendency to stand back from, and to question or criticise, their views. I explain how our critical rationality impugns the explanatory value of the rationality principle and thereby threatens the very possibility of social science. I discuss the relationship between instrumental and critical rationality and show how we can reconcile our critical rationality with the possibility of social science if we invoke Popper’s conception of limited rationality and his indeterminism.

Ethics of rationing of nursing care.

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