WorldWideScience

Sample records for river bank stabilization

  1. Effects of Ecohydraulic Bank Stabilization Structures on Bank Stability and Macroinvertebrate Community in Surabaya River

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    Daru Setyo Rini

    2018-01-01

    Full Text Available There were 18 accelerated erosion sites identified along 7 km of Surabaya River Fishery Sanctuary Area. A model of ecohydraulic bank stabilization was applied to reduce bank erosion in Surabaya River at Gresik Regency Indonesia. The model is combination of reprofiled and revegetated bank with rock toe reinforcement and  addition of log groynes. Various native plant species were planted and naturally grown to establish multi-strata littoral vegetation structure. This study assessed effects of ecohydraulic bank stabilization on bank morphology, near bank velocity and littoral macroinvertebrate community during September 2014 to August 2016. The study found that rock toe enforcement, log groynes and reprofiled bank slope could stabilized the eroded bank, and littoral vegetation formation reduced near bank velocity at restored sites. There were 31 families of macroinvertebrate found in Surabaya River with high abundance of moderately pollution sensitive taxa Atyidae and pollution tolerant taxa Corixidae, Chironomidae and Tubificidae. The taxa richness, diversity index and abundance of sensitive and moderately sensitive macroinvertebrate group were increased after application of ecohydraulic bank stabilization at restored area. The results shown that ecohydraulic bank stabilization structure provides multi-benefits in improving bank stabilization against erosion and providing new micro-habitats for biotic community. Keywords:  ecohydraulic bank stabilization, macroinvertebrates, riparian restoration

  2. Application of ecohydraulic bank protection model to improve river bank stability and biotic community in Surabaya River

    Directory of Open Access Journals (Sweden)

    Daru Setyo Rini

    2017-10-01

    Full Text Available Ecohydraulic river bank protection design was developed as ECO-RIPRAP model and has been applied along 100 meter length to restore accelerated erosion sites in Surabaya River at Wringinanom and Klubuk. The model combined re-profiled and re-vegetated bank with rock toe reinforcement and addition of log groynes at 10 meter length interval. Various native plant species were planted on bank slopes, including water plants Ipomoea aquatica and Pistia stratiotes, grasses and shrubs Ipomoea carnea, Pluchea indica, Saccharum spontaneum, Arundo donax, and native tree species Ficus glomerata, Bambusa arundinacea, Dendrocalamus asper, Bambusa vulgaris, Ficus benjamina, Dillenia indica, Psidium guajava, Arthocarpus camansi, Arthocarpus elasticus, Hibiscus mutabilis, Nauclea sp., Inocarpus edulis, and Syzygium polyanthum. The river bank morphology after ECO-RIPRAP application showed alteration from erosion to sedimentation due to rock toe enforcement, log groynes protection, and increase of plant cover on littoral banks that decreased near bank velocity. The macro-invertebrate community shown increase of taxa richness, EPT richness, %EPT and %Atyidae, but decrease of %Chironomidae at restored sites. The fish community shown increase of taxa richness, increase of abundance by 54.2%, increase of Pangasius micronemus abundance by 25.6%, and increase of Hemibragus nemurus abundance by 6.3 % at restored reach. Rare fish species thrive back at restored area, namely Oxyeleotris marmorata, Mastacembelus unicolor and Hampala macrolepidota.

  3. Identifying the effects of parameter uncertainty on the reliability of modeling the stability of overhanging, multi-layered, river banks

    Science.gov (United States)

    Samadi, A.; Amiri-Tokaldany, E.; Davoudi, M. H.; Darby, S. E.

    2011-11-01

    Composite river banks consist of a basal layer of non-cohesive material overlain by a cohesive layer of fine-grained material. In such banks, fluvial erosion of the lower, non-cohesive, layer typically occurs at a much higher rate than erosion of the upper part of the bank. Consequently, such banks normally develop a cantilevered bank profile, with bank retreat of the upper part of the bank taking place predominantly by the failure of these cantilevers. To predict the undesirable impacts of this type of bank retreat, a number of bank stability models have been presented in the literature. These models typically express bank stability by defining a factor of safety as the ratio of resisting and driving forces acting on the incipient failure block. These forces are affected by a range of controlling factors that include such aspects as the overhanging block geometry, and the geotechnical properties of the bank materials. In this paper, we introduce a new bank stability relation (for shear-type cantilever failures) that considers the hydrological status of cantilevered riverbanks, while beam-type failures are analyzed using a previously proposed relation. We employ these stability models to evaluate the effects of parameter uncertainty on the reliability of riverbank stability modeling of overhanging banks. This is achieved by employing a simple model of overhanging failure with respect to shear and beam failure mechanisms in a series of sensitivity tests and Monte Carlo analyses to identify, for each model parameter, the range of values that induce significant changes in the simulated factor of safety. The results show that care is required in parameterising (i) the geometrical shape of the overhanging-block and (ii) the bank material cohesion and unit weight, as predictions of bank stability are sensitive to variations of these factors.

  4. Environmental protection stability of river bed and banks using convex, concave, and linear bed sills.

    Science.gov (United States)

    Keshavarzi, Alireza; Noori, Lila Khaje

    2010-12-01

    River bed scourings are a major environmental problem for fish and aquatic habitat resources. In this study, to prevent river bed and banks from scouring, different types of bed sills including convex, concave and linear patterns were installed in a movable channel bed in a laboratory flume. The bed sills were tested with nine different arrangements and under different flow conditions. To find the most effective bed sill pattern, the scouring depth was measured downstream of the bed sill for a long experimental duration. The scour depth was measured at the middle and at the end of each experimental test for different ratios of the arch radius to the channel width [r/w]. The experimental results indicated that the convex pattern with r/w=0.35 produced minimum bed scouring depth at the center line whereas the concave pattern with r/w=0.23 produced the minimum scour depth at the wall banks. Therefore, the convex pattern was the most effective configuration for prevention of scouring at the center line of the river while the concave pattern was very effective to prevent scouring at the river banks. These findings can be suggested to be used in practical applications.

  5. BANK STABILIZATION, SHORELINE LAND-USE, AND THE DISTRIBUTION OF LARGE WOODY DEBRIS IN A REGULATED REACH OF THE UPPER MISSOURI RIVER, NORTH DAKOTA, USA

    Science.gov (United States)

    Large woody debris (LWD) is an important component of ecosystem function in floodplain rivers. We examined the effects on LWD distribution of shoreline land use, bank stabilization, local channel geomorphology, and distance from the dam in the Garrison Reach, a regulated reach of...

  6. Finding of No Significant Impact: Proposed Bank Stabilization Tennessee River River Mile 466.2 - 466.5, Hamilton County, Tennessee

    Science.gov (United States)

    2013-05-02

    Bank erosion is endangering approximately 1,100 feet of a 42-inch concrete gravity sanitary main, two manholes, and a 30-inch iron sanitary sewer...stabilizing the bank. Kingfisher nests are excavated burrows with bare soil along stream banks (USACE, 2009). “Banks with a high content of clay , gravel, or...34’ g -- - -- - - ---- --- -------- 1 LEGEND ESTIMATED 42’’ GRAVITY SEWER LINE ESTIMATED 30’’ FORCE MAIN ® SANITARY SEWER MANHOLE • AUTO

  7. Simulating bank erosion over an extended natural sinuous river reach using a universal slope stability algorithm coupled with a morphodynamic model

    Science.gov (United States)

    Rousseau, Yannick Y.; Van de Wiel, Marco J.; Biron, Pascale M.

    2017-10-01

    Meandering river channels are often associated with cohesive banks. Yet only a few river modelling packages include geotechnical and plant effects. Existing packages are solely compatible with single-threaded channels, require a specific mesh structure, derive lateral migration rates from hydraulic properties, determine stability based on friction angle, rely on nonphysical assumptions to describe cutoffs, or exclude floodplain processes and vegetation. In this paper, we evaluate the accuracy of a new geotechnical module that was developed and coupled with Telemac-Mascaret to address these limitations. Innovatively, the newly developed module relies on a fully configurable, universal genetic algorithm with tournament selection that permits it (1) to assess geotechnical stability along potentially unstable slope profiles intersecting liquid-solid boundaries, and (2) to predict the shape and extent of slump blocks while considering mechanical plant effects, bank hydrology, and the hydrostatic pressure caused by flow. The profiles of unstable banks are altered while ensuring mass conservation. Importantly, the new stability module is independent of mesh structure and can operate efficiently along multithreaded channels, cutoffs, and islands. Data collected along a 1.5-km-long reach of the semialluvial Medway Creek, Canada, over a period of 3.5 years are used to evaluate the capacity of the coupled model to accurately predict bank retreat in meandering river channels and to evaluate the extent to which the new model can be applied to a natural river reach located in a complex environment. Our results indicate that key geotechnical parameters can indeed be adjusted to fit observations, even with a minimal calibration effort, and that the model correctly identifies the location of the most severely eroded bank regions. The combined use of genetic and spatial analysis algorithms, in particular for the evaluation of geotechnical stability independently of the hydrodynamic

  8. 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

  9. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

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

  10. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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    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

  11. Role of vegetation on river bank accretion

    NARCIS (Netherlands)

    Vargas Luna, A.

    2016-01-01

    There is rising awareness of the need to include the effects of vegetation in studies dealing with the morphological response of rivers. Vegetation growth on river banks and floodplains alters the river bed topography, reduces the bank erosion rates and enhances the development of new floodplains

  12. Stability evaluation of modernized bank protections in a culvert construction

    Science.gov (United States)

    Cholewa, Mariusz; Plesiński, Karol; Kamińska, Katarzyna; Wójcik, Izabela

    2018-02-01

    The paper presents stability evaluation of the banks of the Wilga River on a chosen stretch in Koźmice Wielkie, Małopolska Province. The examined stretch included the river bed upstream from the culvert on a district road. The culvert construction, built over four decades ago, was disassembled in 2014. The former construction, two pipes that were 1.4 m in diameter, was entirely removed. The investor decided to build a new construction in the form of insitu poured reinforced concrete with a 4 x 2 m cross section. Change of geometry and different location in relation to the river current caused increase in the flow velocity and, as a consequence, erosion of both protected and natural banks. Groundwater conditions were determined based on the geotechnical tests that were carried out on soil samples taken from the banks and the river bed. Stability calculations of natural slopes of the Wilga River and the ones protected with riprap indicate mistakes in the design project concerning construction of the river banks. The purpose of the study was to determine the stability of the Wilga River banks on a selected section adjacent to the rebuilt culvert. Stability of a chosen cross section was analysed in the paper. Presented conclusions are based on the results of geotechnical tests and numerical calculations.

  13. Financial stability of banking system in China

    OpenAIRE

    Jiang, B

    2014-01-01

    This thesis aims at investigating the financial stability of China's banking system. Since the banking system is one of the most important financial intermediaries in the financial systems, the financial soundness of banks could secure the stability of the whole financial system. Two of the factors that may significantly increase imbalance of the banking system, and hence affect financial stability of an economy is the accumulated non-performing loans of banks and the macro-economic turbulenc...

  14. 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.

  15. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

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

  16. Numerical simulation of hydrodynamics and bank erosion in a river bend

    NARCIS (Netherlands)

    Rinaldi, M.; Mengoni, B.; Luppi, L.; Darby, S.E.; Mosselman, E.

    2008-01-01

    We present an integrated analysis of bank erosion in a high-curvature bend of the gravel bed Cecina River (central Italy). Our analysis combines a model of fluvial bank erosion with groundwater flow and bank stability analyses to account for the influence of hydraulic erosion on mass failure

  17. The role of multigelation in the development of river banks

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    Karol AUGUSTOWSKI

    2013-03-01

    Full Text Available The development of river banks is conditioned by a few factors: fluvial erosion, mass movements and subaerial processes. Many researchers believe that the subaerial phenomena are more preparatory processes to actual erosion than the erosion itself. Among the subaerial phenomena, freezing and thawing play a key role. Multigelation affects the stability and sustainability of river banks, not only in the northern reaches of Eurasia andNorth Americabut also in temperate latitudes. Susceptibility to change in bank morphology, however, is extremely selective. Within the same layer, at a distance of 1 metre the intensity of frost erosion can be very different. This is the result of many factors determining the rate of bank retreat. These include: the height of the bank, its structure and texture, physical and chemical properties of the material from which it is built, environmental conditions, soil moisture, water pressure in the pore spaces, porosity and density of the soil, organic matter content in the soil, temperature, vegetation, as well as thickness and duriation of snow cover. An important objective is therefore to show the differences in the rate of retreat of the river banks, and above all characterized by varying degrees of density and grain size of the material it is build of. 

  18. Financial Stability and Central Bank Governance

    NARCIS (Netherlands)

    Koetter, Michael; Roszbach, Kasper; Spagnolo, Giancarlo

    2014-01-01

    The financial crisis has ignited a debate about the appropriate objectives and the governance structure of Central Banks. We use novel survey data to investigate the relation between these traits and banking system stability focusing in particular on their role in micro-prudential supervision. We

  19. Active Risk Management and Banking Stability

    NARCIS (Netherlands)

    Silva Buston, C.F.

    2013-01-01

    Abstract: This paper analyzes the net impact of two opposing effects of active risk management at banks on their stability: higher risk-taking incentives and better isolation of credit supply from varying economic conditions. We present a model where banks actively manage their portfolio risk by

  20. Organic micropollutant removal during river bank filtration

    NARCIS (Netherlands)

    Bertelkamp, C.

    2015-01-01

    This study investigated the factors influencing the main removal mechanisms (adsorption and biodegradation) for organic micropollutant (OMP) removal during river bank filtration (RBF) and the possibility of developing a predictive model of this process for OMP removal during RBF. Chapter 2 analysed

  1. Bank ownership and financial stability

    NARCIS (Netherlands)

    Perotti, E.; Vorage, M.

    2010-01-01

    This paper investigates a politician's choice for state or private control of banks, anticipating how this choice influences actions by citizens seeking exclusive access to finance. We show that when political accountability is low, politicians prefer control over lending and funneling via state

  2. CENTRAL BANKS AND FINANCIAL STABILITY - Literature review

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    Adina APÃTÃCHIOAE

    2013-06-01

    Full Text Available Financial stability is a feature of the financial system, reflecting its ability to determine an efficient allocation of the resources and to manage financial risk by its own self-regulating mechanisms. Since the condition of financial systems changes over time, due to various shocks that components suffers, financial stability is a dynamic feature, but the system itself is constantly attempting to recover under the action of specific auto regulatory mechanisms. It is generally accepted that central banks play an important role in ensuring financial stability, there are a number of specific features that can help them achieve financial stability. Recent phenomena such as deregulation, globalization, the intensification of innovation, and so on, have supplemented the functions of central banks and at the same time, led to an intensification of links between banking and other large sectors of the financial system: insurance and financial markets.The objective of this article is to present the different views in the literature on the role of the central bank in ensuring financial stability and the new challenges that she must confront in assuming this new mandate. The role of central banks in ensuring financial stability is in the forefront and should be expanded beyond the traditional functions of stability, which determined that monetary and stability policies to converge. Moreover, due to vulnerabilities manifested by the financial markets in recent decades and that capital flows have become more intense, these vulnerabilities may spread rapidly, increasing the fragility of all markets and, for this reason, ensuring financial stability has become a key objective of public policies. Especially, since the stability of financial systems stimulates economic development and improved living standards, the competent authorities pays a particular attention to these issues

  3. 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.

  4. Bank erosion along the dam-regulated lower Roanoke River, North Carolina

    Science.gov (United States)

    Hupp, C.R.; Schenk, E.R.; Richter, J.M.; Peet, Robert K.; Townsend, Phil A.

    2009-01-01

    Dam construction and its impact on downstream fluvial processes may substantially alter ambient bank stability and erosion. Three high dams (completed between 1953 and 1963) were built along the Piedmont portion of the Roanoke River, North Carolina; just downstream the lower part of the river flows across largely unconsolidated Coastal Plain deposits. To document bank erosion rates along the lower Roanoke River, >700 bank-erosion pins were installed along 66 bank transects. Additionally, discrete measurements of channel bathymetry, turbidity, and presence or absence of mass wasting were documented along the entire study reach (153 km). A bank-erosion- floodplain-deposition sediment budget was estimated for the lower river. Bank toe erosion related to consistently high low-flow stages may play a large role in increased mid- and upper-bank erosion. Present bank-erosion rates are relatively high and are greatest along the middle reaches (mean 63 mm/yr) and on lower parts of the bank on all reaches. Erosion rates were likely higher along upstream reaches than present erosion rates, such that erosion-rate maxima have since migrated downstream. Mass wasting and turbidity also peak along the middle reaches; floodplain sedimentation systematically increases downstream in the study reach. The lower Roanoke River isnet depositional (on floodplain) with a surplus of ??2,800,000 m3yr. Results suggest that unmeasured erosion, particularly mass wasting, may partly explain this surplus and should be part of sediment budgets downstream of dams. ?? 2009 The Geological Society of America.

  5. Stabilization of the bank upstream on the north shore of the La Grande-1 installation

    International Nuclear Information System (INIS)

    Massiera, M.

    1998-01-01

    As part of the completion of the La Grande-1 project, construction of a 2,444 m long dyke was required on the north bank of the La Grande River. Sensitive marine clay, covered with deltaic and river sand and silt deposits was discovered which required special design features such as stabilization of the river bank, to avoid the possibility of disastrous retrogressive slides. This paper describes the geotechnical conditions of the northern terrace and the options available for stabilizing the river bank. Different phases of the construction of the stabilization dyke, including the excavated trench across the terrace, the instrumentation installed and the control measures taken, are also outlined. 8 refs., 1 tab., 3 figs

  6. 30 CFR 56.3130 - Wall, bank, and slope stability.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 1 2010-07-01 2010-07-01 false Wall, bank, and slope stability. 56.3130... Mining Methods § 56.3130 Wall, bank, and slope stability. Mining methods shall be used that will maintain wall, bank, and slope stability in places where persons work or travel in performing their assigned...

  7. Channel Bank Cohesion and the Maintenance of Suspension Rivers

    Science.gov (United States)

    Dunne, K. B. J.; Jerolmack, D. J.

    2017-12-01

    Gravel-bedded rivers organize their channel geometry and grain size such that transport is close to the threshold of motion at bankfull. Sand-bedded rivers, however, typically maintain bankfull fluid shear (or Shields) stresses far in excess of threshold; there is no widely accepted explanation for these "suspension rivers". We propose that all alluvial rivers are at the threshold of motion for their erosion-limiting material, i.e., the structural component of the river cross-section that is most difficult to mobilize. The entrainment threshold of gravel is large enough that bank cohesion has little influence on gravel-bed rivers. Sand, however, is the most easily entrained material; silt and clay can raise the entrainment threshold of sand by orders of magnitude. We examine a global dataset of river channel geometry and show that the shear stress range for sand-bedded channels is entirely within the range of entrainment thresholds for sand-mud mixtures - suggesting that rivers that suspend their sandy bed material are still threshold rivers in terms of bank material. We then present new findings from a New Jersey coastal-plain river examining if and how river-bank toe composition controls hydraulic geometry. We consider the toe because it is the foundation of the river bank, and its erosion leads to channel widening. Along a 20-km profile of the river we measure cross-section geometry, bed slope, and bed and bank composition, and we explore multiple methods of measuring the threshold shear stress of the the river-bank toe in-situ. As the composition of the river bed transitions from gravel to sand, we see preliminary evidence of a shift from bed-threshold to bank-threshold control on hydraulic geometry. We also observe that sub-bankfull flows are insufficient to erode (cohesive) bank materials, even though transport of sand is active at nearly all flows. Our findings highlight the importance of focusing on river-bank toe material, which in the studied stream is

  8. Capital requirement, bank competition and stability in Africa

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    Jacob Oduor

    2017-06-01

    Full Text Available Monetary authorities around the world are implementing enhanced banking capital adequacy requirements under Basel III meant to improve financial stability. Critics however argue that increased capital requirements concentrate the banking industry reducing competition while not guaranteeing financial sector stability. Using data from 167 banks in 37 African countries, we find that increased capital beef-up significantly increases financial instability in Africa (except in big banks implying that higher capital requirements did not make African banks safer. We also find that increased regulatory capital improves competitive pricing for foreign banks while it makes domestic banks less competitive mainly attributed to the high cost of sourcing and holding extra capital for domestic banks compared to foreign banks who can source cheaper capital from parent companies. The results put to question the effectiveness of enhanced regulatory capital on stability and competitiveness of the African financial system.

  9. Saltmarsh creek bank stability: Biostabilisation and consolidation with depth

    Science.gov (United States)

    Chen, Y.; Thompson, C. E. L.; Collins, M. B.

    2012-03-01

    The stability of cohesive sediments of a saltmarsh in Southern England was measured in the field and the laboratory using a Cohesive Strength Meter (CSM) and a shear vane apparatus. Cores and sediment samples were collected from two tidal creek banks, covered by Atriplex portulacoides (Sea Purslane) and Juncus maritimus (Sea Rush), respectively. The objectives of the study were to examine the variation of sediment stability throughout banks with cantilevers present and investigate the influence of roots and downcore consolidation on bank stability. Data on erosion threshold and shear strength were interpreted with reference to bank depth, sediment properties and biological influences. The higher average erosion threshold was from the Sea Purslane bank whilst the Sea Rush bank showed higher average vane shear strength. The vertical variation in core sediment stability was mainly affected by roots and downcore consolidation with depth. The data obtained from the bank faces revealed that vertical variations in both erosion threshold and vane shear strength were affected primarily by roots and algae. A quantitative estimate of the relative contributions of roots and downcore consolidation to bank sediment stability was undertaken using the bank stability data and sediment density data. This showed that roots contributed more to the Sea Purslane bank stability than downcore consolidation, whilst downcore consolidation has more pronounced effects on the Sea Rush bank stability.

  10. Design Procedure Enhanced with Numerical Modeling to Mitigate River-Bank Erosion

    Directory of Open Access Journals (Sweden)

    Elhakeem Mohamed

    2016-01-01

    Full Text Available In this study, the 2D Finite Element Surface Water Modeling System (FESWMS is used to design barb structures to mitigate river bank erosion in a stream reach located on the Raccoon River near Adel, Iowa, USA just upstream of the US Highway Bridge 169. FESWMS is used also to access the barbs effect on the study reach. The model results showed that the proposed barb structures successfully reduced the flow velocity along the outside bank and increased the velocity in the center of the stream, thereby successfully increased the conveyance towards the core of the river. The estimated velocities values along the river-banks where the barbs exist were within the recommended values for channel stability design. Thus, the barb structures were able to reduce the erosion along the bankline.

  11. Stabilization of the dyke on the north bank of the La Grande 1 hydroelectric complex

    International Nuclear Information System (INIS)

    Massiera, M.; Tournier, J-P.

    2000-01-01

    Special design features required in constructing a 2444 m long dyke on the north bank of the La Grade River at the site of the La Grande 1 hydroelectric power project are described. The special features involved construction of a downstream bank and upstream stabilization berms to avoid the occurrence of potentially dangerous retrogressive slides. These special features were deemed essential due to the presence of sensitive marine clay, covered with deltaic sand and silt and river sand deposits. The paper highlights the geotechnical and hydrogeological conditions of the northern terrace, and describes the different construction phases of stabilizing the river bank. Control of groundwater pressures in the lower aquifer with relief wells is emphasized. 9 refs., 1 tab., 17 figs

  12. Water quality and treatment of river bank filtrate

    NARCIS (Netherlands)

    De Vet, W.W.J.M.; Van Genuchten, C.C.A.; Van Loosdrecht, M.C.M.; Van Dijk, J.C.

    2010-01-01

    In drinking water production, river bank filtration has the advantages of dampening peak concentrations of many dissolved components, substantially removing many micropollutants and removing, virtually completely, the pathogens and suspended solids. The production aquifer is not only fed by the

  13. Water quality and treatment of river bank filtrate

    NARCIS (Netherlands)

    De Vet, W.W.J.M.; Van Genuchten, C.C.A.; Van Loosdrecht, M.C.M.; Van Dijk, J.C.

    2009-01-01

    In drinking water production, river bank filtration has the advantages of dampening peak concentrations of many dissolved components, substantially removing many micropollutants and removing, virtually completely, the pathogens and suspended solids. The production aquifer is not only fed by the

  14. 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.

  15. Savannah River Laboratory data banks for risk assessment

    International Nuclear Information System (INIS)

    Durant, W.S.

    1984-01-01

    The Savannah River Laboratory maintains a series of computerized data banks primarily as an aid in probabilistic risk assessment studies for the Savannah River Plant (SRP) facilities. These include component failure rates, generic incidents, and reports of specific deviations from normal operating conditions. In addition to providing data for probability studies, these banks have served as a valuable aid in trend analyses, equipment histories, process hazards analyses, consequence assessments, incident audits, process problem solving, and training

  16. Management of data banks at Westinghouse Savannah River Company

    International Nuclear Information System (INIS)

    Baughman, D.F.

    1992-01-01

    The Risk Assessment Methodology Group (RAM) of the Nuclear Processes Safety Research Section (NPSR) maintains the compilation of incidents that have occurred at the Savannah River Site. The data banks have gained national recognition for their value in risk-related studies. The information provided by these data banks is widely used at SRS and across the DOE Complex. This report discusses these data banks

  17. Theoretical investigation on discharge-induced river-bank erosion

    NARCIS (Netherlands)

    Mosselman, E.

    1989-01-01

    Bank erosion is incorporated in one-dimensional and two-dimensional horizontal models for river morphology. The banks are assumed to consist of a fraction of cohesive material, which becomes washload after being eroded, and a fraction of granular material, with the same properties as the material of

  18. Deformation analysis and prediction of bank protection structure with river level fluctuations

    Science.gov (United States)

    Hu, Rui; Xing, Yixuan

    2017-04-01

    Bank structure is an important barrier to maintain the safety of the embankment. The deformation of bank protection structure is not only affected by soil pressure caused by the excavation of the riverway, but also by the water pressure caused river water level fluctuations. Thus, it is necessary to establish a coupled soil-water model to analyze the deformation of bank structure. Based on Druck-Prager failure criteria and groundwater seepage theory, a numerical model of bank protection structure with consideration of the pore water pressure of soil mass is established. According to the measured river level data with seasonal fluctuating, numerical analysis of the deformation of bank protection structure is implemented. The simulation results show that the river water level fluctuation has clear influence on the maximum lateral displacement of the pile. Meanwhile, the distribution of plastic zone is related to the depth of groundwater level. Finally, according to the river water level data of the recent ten years, we analyze the deformation of the bank structure under extreme river level. The result shows that, compared with the scenario of extreme high river level, the horizontal displacement of bank protection structure is larger (up to 65mm) under extreme low river level, which is a potential risk to the embankment. Reference Schweiger H F. On the use of drucker-prager failure criteria for earth pressure problems[J]. Computers and Geotechnics, 1994, 16(3): 223-246. DING Yong-chun,CHENG Ze-kun. Numerical study on performance of waterfront excavation[J]. Chinese Journal of Geotechnical Engineering,2013,35(2):515-521. Wu L M, Wang Z Q. Three gorges reservoir water level fluctuation influents on the stability of the slope[J]. Advanced Materials Research. Trans Tech Publications, 2013, 739: 283-286.

  19. FINANCIAL STABILITY OF ISLAMIC AND CONVENTIONAL BANKS IN BANGLADESH: REVISITING STABILITY MEASURES AND ANALYZING STABILITY BEHAVIOR

    Directory of Open Access Journals (Sweden)

    Md Enayet Hossain

    2018-03-01

    Full Text Available This study intends to assess the relative financial stability of Islamic banks in Bangladesh using three different Z-Scores as financial stability measures, based on a sample of 29 listed commercial banks (23 conventional and 6 Islamic in Bangladesh over the period 2005-2016. Apart from the existing measure of financial stability, Z-Score, the paper contributes to the literature by developing an alternative Z-Score based on bank’s loan portfolio infection ratio. We first use pair-wise comparison and find that Islamic banks are financially more stable in two stability measures i.e. Z-Score (based on Capital Adequacy Ratio and Z-Score (based on Infection Ratio. We then perform static (random effects and dynamic (GMM panel data analysis. By controlling for bank-specific, industry-specific and macroeconomic variables in the regressions, we find that Islamic banks are financially more stable in 2 panel regressions of Z-Score (based on Infection Ratio. We also find that the presence of Islamic banks increases the stability of all banks in the system including their conventional peers.

  20. Interaction between opposite river bank dynamics

    NARCIS (Netherlands)

    Bonilla Porras, J.A.; Crosato, A.; Uijttewaal, W.S.J.

    2017-01-01

    Although many studies regarding bank erosion  and accretion can be found in the literature, it is  not common to find works studying the interaction  between opposite banks. Some existing  morphodynamic models describe bank erosion as  an event that depends on

  1. New possibilities for slope stability assessment of spoil banks

    Energy Technology Data Exchange (ETDEWEB)

    Radl, A [Palivovy Kombinat, Vresova (Czechoslovakia)

    1991-03-01

    Discusses problems associated with slope stability of spoil banks consisting of sedimentary rocks from brown coal surface mining. Effects of rock physical properties on slope stability are analyzed: grain size distribution, compression strength, moisture content, angle of internal friction, etc. Mechanism of plastic slope deformation which occurs during a landslide is evaluated. Formulae for calculating slope stability considering stress distribution in a spoil bank (including all the main factors that influence stresses) are derived. Practical use of the gamma-gamma logging and logging schemes used in geodetic surveys of unstable spoil banks in Czechoslovakia (the Vintirov spoil bank in the Sokolov brown coal district) are discussed. 5 refs.

  2. Synchronisation and stability in river metapopulation networks.

    Science.gov (United States)

    Yeakel, J D; Moore, J W; Guimarães, P R; de Aguiar, M A M

    2014-03-01

    Spatial structure in landscapes impacts population stability. Two linked components of stability have large consequences for persistence: first, statistical stability as the lack of temporal fluctuations; second, synchronisation as an aspect of dynamic stability, which erodes metapopulation rescue effects. Here, we determine the influence of river network structure on the stability of riverine metapopulations. We introduce an approach that converts river networks to metapopulation networks, and analytically show how fluctuation magnitude is influenced by interaction structure. We show that river metapopulation complexity (in terms of branching prevalence) has nonlinear dampening effects on population fluctuations, and can also buffer against synchronisation. We conclude by showing that river transects generally increase synchronisation, while the spatial scale of interaction has nonlinear effects on synchronised dynamics. Our results indicate that this dual stability - conferred by fluctuation and synchronisation dampening - emerges from interaction structure in rivers, and this may strongly influence the persistence of river metapopulations. © 2013 John Wiley & Sons Ltd/CNRS.

  3. The Impact of Human Encroachment and River Bank Agricultural ...

    African Journals Online (AJOL)

    The impact of human encroachment and river bank Agricultural activities on the habitat of the manatee (Trichechus Senegalensis) was investigated. The method of data collection involved the use of a structured questionnaire administered to farmers and fishermen. Vegetation survey in three selected sites along the river ...

  4. FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

    Directory of Open Access Journals (Sweden)

    Svetlana Lanets

    2015-11-01

    Full Text Available This paper is aimed at drawing attention to the current situation and further development of the banking sector in Russia. In particular, it seeks to discuss ways to improve the financial stability of banks. The article looks at the banking system, describes the important role of banks in the economy of the country and establishes correlation between stability of banks and socioeconomic development of the country. It is underlined that the stability of banks is one of the key factors in economic growth. The article analyzes how the banking system has settled after the financial crisis. The focus of the article is on the characteristics of the current financial crisis, compares it to the previous ones and describes the impact of the crisis to the banks. In particular, in the frame of this publication we present the analysis of the features of crisis impact on regional banks and the possibility of losing them in near future. This paper emphasizes the impact of the banking system on the country's economy and demonstrates the importance of financial stability of the banks. Moreover the article underlines a set of financial – economic/bank – government approaches to the issue of improving financial stability in the contemporary financial crisis. The paper summarizes the government role in the time of modern financial crisis and describes the existing strategies of the state. At the same time article shows the dual role of the government activities in preventing to put the finance sector under such stress as on the one hand it helps banks to increase the capitalization of banks while on the other hand it introduces Basel 3 principles, which reduce capital. The study is based on the methods of analysis, comparison, statistical data and theoretical generalization. The scientific and theoretical part of the survey is based on the official statistics and data from the Central Bank. We believe that the issue of bank’s stability, especially in this

  5. Bank storage buffers rivers from saline regional groundwater: an example from the Avon River Australia

    Science.gov (United States)

    Gilfedder, Benjamin; Hofmann, Harald; Cartwrighta, Ian

    2014-05-01

    Groundwater-surface water interactions are often conceptually and numerically modeled as a two component system: a groundwater system connected to a stream, river or lake. However, transient storage zones such as hyporheic exchange, bank storage, parafluvial flow and flood plain storage complicate the two component model by delaying the release of flood water from the catchment. Bank storage occurs when high river levels associated with flood water reverses the hydraulic gradient between surface water and groundwater. River water flows into the riparian zone, where it is stored until the flood water recede. The water held in the banks then drains back into the river over time scales ranging from days to months as the hydraulic gradient returns to pre-flood levels. If the frequency and amplitude of flood events is high enough, water held in bank storage can potentially perpetually remain between the regional groundwater system and the river. In this work we focus on the role of bank storage in buffering river salinity levels against saline regional groundwater on lowland sections of the Avon River, Victoria, Australia. We hypothesize that the frequency and magnitude of floods will strongly influence the salinity of the stream water as banks fill and drain. A bore transect (5 bores) was installed perpendicular to the river and were instrumented with head and electrical conductivity loggers measuring for two years. We also installed a continuous 222Rn system in one bore. This data was augmented with long-term monthly EC from the river. During high rainfall events very fresh flood waters from the headwaters infiltrated into the gravel river banks leading to a dilution in EC and 222Rn in the bores. Following the events the fresh water drained back into the river as head gradients reversed. However the bank water salinities remained ~10x lower than regional groundwater levels during most of the time series, and only slightly above river water. During 2012 SE Australia

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

    Directory of Open Access Journals (Sweden)

    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.

  7. Mobile Bank Conditions for Laminar Micro-Rivers

    OpenAIRE

    Devauchelle, Olivier; Josserand, Christophe; Lagrée, Pierre-Yves; Zaleski, Stéphane

    2008-01-01

    International audience; The present study aims to establish a simple mechanistic model for river bank erosion. Recent experiments demonstrate that small-scale laminar flumes can develop erosion structures similar to those encountered in Nature. From Saint-Venant's Equations, a classical sediment transport law and a simple avalanche model, it is shown that bank failure caused by flow erosion can be represented through simple boundary conditions. These conditions are able to deal with the water...

  8. Quantifying Effectiveness of Streambank Stabilization Practices on Cedar River, Nebraska

    Directory of Open Access Journals (Sweden)

    Naisargi Dave

    2017-11-01

    Full Text Available Excessive sediment is a major pollutant to surface waters worldwide. In some watersheds, streambanks are a significant source of this sediment, leading to the expenditure of billions of dollars in stabilization projects. Although costly streambank stabilization projects have been implemented worldwide, long-term monitoring to quantify their success is lacking. There is a critical need to document the long-term success of streambank restoration projects. The objectives of this research were to (1 quantify streambank retreat before and after the stabilization of 18 streambanks on the Cedar River in North Central Nebraska, USA; (2 assess the impact of a large flood event; and (3 determine the most cost-efficient stabilization practice. The stabilized streambanks included jetties (10, rock-toe protection (1, slope reduction/gravel bank (1, a retaining wall (1, rock vanes (2, and tree revetments (3. Streambank retreat and accumulation were quantified using aerial images from 1993 to 2016. Though streambank retreat has been significant throughout the study period, a breached dam in 2010 caused major flooding and streambank erosion on the Cedar River. This large-scale flood enabled us to quantify the effect of one extreme event and evaluate the effectiveness of the stabilized streambanks. With a 70% success rate, jetties were the most cost-efficient practice and yielded the most deposition. If minimal risk is unacceptable, a more costly yet immobile practice such as a gravel bank or retaining wall is recommended.

  9. Water quality and treatment of river bank filtrate

    Directory of Open Access Journals (Sweden)

    W. W. J. M. de Vet

    2010-06-01

    Full Text Available In drinking water production, river bank filtration has the advantages of dampening peak concentrations of many dissolved components, substantially removing many micropollutants and removing, virtually completely, the pathogens and suspended solids. The production aquifer is not only fed by the river bank infiltrate but also by water percolating through covering layers. In the polder areas, these top layers consist of peat and deposits from river sediments and sea intrusions.

    This paper discusses the origin and fate of macro components in river bank filtrate, based on extensive full-scale measurements in well fields and treatment systems of the Drinking Water Company Oasen in the Netherlands. First, it clarifies and illustrates redox reactions and the mixing of river bank filtrate and PW as the dominant processes determining the raw water quality for drinking water production. Next, full-scale results are elaborated on to evaluate trickling filtration as an efficient and proven one-step process to remove methane, iron, ammonium and manganese. The interaction of methane and manganese removal with nitrification in these systems is further analyzed. Methane is mostly stripped during trickling filtration and its removal hardly interferes with nitrification. Under specific conditions, microbial manganese removal may play a dominant role.

  10. the left bank of the Rimac river

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

    The Focus City Research Initiative (FCRI) is a series of eight action research ... Reducing physical vulnerability of residents ... physically (along the edge of the Rimac river, on the .... the topic of disaster risk management and vulnerability.

  11. Effects of Bank Revetment on Sacramento River, California

    Science.gov (United States)

    Michael D. Harvey; Chester C. Watson

    1989-01-01

    Twelve low radius of curvature bends, half of which were rivetted, were studied in the Butte Basin reach of Sacramento River, California, to determine whether bank revetment deleteriously affected salmonid habitat. At low discharge (128.6 cubic meters/s) it was demonstrated that revetment does not cause channel narrowing or deepening, nor does it prevent re-entrainment...

  12. THE IMPORTANCE OF BANKING SUPERVISION IN ENSURING FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    CĂRUNTU GENU ALEXANDRU

    2014-12-01

    Full Text Available Financial stability plays a vital role in terms of the financial system and the economy as a whole. Analysis and management of risks in the banking sector in order to achieve the financial stability of the whole banking system requires the use of established methods in modern management of risk. The financial crisis has demonstrated certain limits in terms of efficient management of risk. In this respect supervisory authorities have developed a number of methods and techniques to detect, monitor and amount of risk. In the present context, to enhance the stability of the banking system and prevent systemic risk, it is proposed to revise the Basel II Agreement. It was necessary to review the existing prudential regulations defining, embodied in Basel III. This new agreement brings more clarity in the financial and banking sector, addresses a wider range of risks, providing a better regulator

  13. Bank retreat study of a meandering river reach case study : River Irwell

    NARCIS (Netherlands)

    Duran, R.; Beevers, L.; Crosato, A.; Wright, N.

    2010-01-01

    Lack of data is often considered a limitation when undertaking morphological studies. This research deals with morphological studies of small rivers experiencing bank erosion processes when only limited data are available. A reach of the meandering gravel-bed river Irwell (United Kingdom) is taken

  14. Bank retreat of a meandering river reach case study : River Irwell

    NARCIS (Netherlands)

    Duran, R.; Beevers, L.; Crosato, A.; Wright, N.G.

    2009-01-01

    Lack of data is often considered a limitation when undertaking morphological studies. This research deals with the morphological study of a small river experiencing bank erosion for which only limited data are available. A reach of the meandering gravel-bed river Irwell (United Kingdom) is taken as

  15. Factors influencing bank geomorphology and erosion of the Haw River, a high order river in North Carolina, since European settlement.

    Science.gov (United States)

    Macfall, Janet; Robinette, Paul; Welch, David

    2014-01-01

    The Haw River, a high order river in the southeastern United States, is characterized by severe bank erosion and geomorphic change from historical conditions of clear waters and connected floodplains. In 2014 it was named one of the 10 most threatened rivers in the United States by American Rivers. Like many developed areas, the region has a history of disturbance including extensive upland soil loss from agriculture, dams, and upstream urbanization. The primary objective of this study was to identify the mechanisms controlling channel form and erosion of the Haw River. Field measurements including bank height, bankfull height, bank angle, root depth and density, riparian land cover and slope, surface protection, river width, and bank retreat were collected at 87 sites along 43.5 km of river. A Bank Erosion Hazard Index (BEHI) was calculated for each study site. Mean bank height was 11.8 m, mean width was 84.3 m, and bank retreat for 2005/2007-2011/2013 was 2.3 m. The greatest bank heights, BEHI values, and bank retreat were adjacent to riparian areas with low slope (<2). This is in contrast to previous studies which identify high slope as a risk factor for erosion. Most of the soils in low slope riparian areas were alluvial, suggesting sediment deposition from upland row crop agriculture and/or flooding. Bank retreat was not correlated to bank heights or BEHI values. Historical dams (1.2-3 m height) were not a significant factor. Erosion of the Haw River in the study section of the river (25% of the river length) contributed 205,320 m3 of sediment and 3759 kg of P annually. Concentration of suspended solids in the river increased with discharge. In conclusion, the Haw River is an unstable system, with river bank erosion and geomodification potential influenced by riparian slope and varied flows.

  16. River Bank Erosion and the Influence of Environmental Flow Management

    Science.gov (United States)

    Vietz, Geoff J.; Lintern, Anna; Webb, J. Angus; Straccione, David

    2018-03-01

    Environmental flows aim to influence river hydrology to provide appropriate physical conditions for ecological functioning within the restrictions of flow regulation. The hydrologic characteristics of flow events, however, may also lead to unintended morphologic effects in rivers, such as increases in riverbank erosion beyond natural rates. This may negatively impact habitat for biota, riparian infrastructure, and land use. Strategic environmental flow delivery linked to monitoring and adaptive management can help mitigate risks. We monitor riverbank condition (erosion and deposition) relative to environmental flows on the Goulburn River, Victoria, Australia. We describe the process of adaptive management aimed at reducing potential impacts of flow management on bank condition. Field measurements (erosion pins) quantify the hydrogeomorphic response of banks to the delivery of planned and natural flow events. Managed flows provide opportunities for monitoring riverbank response to flows, which in turn informs planning. The results demonstrate that environmental flows have little influence on bank erosion and visual perceptions in the absence of monitoring are an unreliable guide. This monitoring project represents a mutually beneficial, science-practice partnership demonstrating that a traditional `know then do' approach can be foreshortened by close collaboration between researchers and managers. To do so requires transparent, often informal lines of communication. The benefits for researchers-a more strategic and targeted approach to monitoring activities; and benefits for the practitioners-reduced time between actions and understanding response; mean that a learn by doing approach is likely to have better outcomes for researchers, stakeholders, the public, and the environment.

  17. River Bank Erosion and the Influence of Environmental Flow Management.

    Science.gov (United States)

    Vietz, Geoff J; Lintern, Anna; Webb, J Angus; Straccione, David

    2018-03-01

    Environmental flows aim to influence river hydrology to provide appropriate physical conditions for ecological functioning within the restrictions of flow regulation. The hydrologic characteristics of flow events, however, may also lead to unintended morphologic effects in rivers, such as increases in riverbank erosion beyond natural rates. This may negatively impact habitat for biota, riparian infrastructure, and land use. Strategic environmental flow delivery linked to monitoring and adaptive management can help mitigate risks. We monitor riverbank condition (erosion and deposition) relative to environmental flows on the Goulburn River, Victoria, Australia. We describe the process of adaptive management aimed at reducing potential impacts of flow management on bank condition. Field measurements (erosion pins) quantify the hydrogeomorphic response of banks to the delivery of planned and natural flow events. Managed flows provide opportunities for monitoring riverbank response to flows, which in turn informs planning. The results demonstrate that environmental flows have little influence on bank erosion and visual perceptions in the absence of monitoring are an unreliable guide. This monitoring project represents a mutually beneficial, science-practice partnership demonstrating that a traditional 'know then do' approach can be foreshortened by close collaboration between researchers and managers. To do so requires transparent, often informal lines of communication. The benefits for researchers-a more strategic and targeted approach to monitoring activities; and benefits for the practitioners-reduced time between actions and understanding response; mean that a learn by doing approach is likely to have better outcomes for researchers, stakeholders, the public, and the environment.

  18. Banking Competition and Stability : The Role of Leverage

    NARCIS (Netherlands)

    Freixas, X.; Ma, K.

    2014-01-01

    This paper reexamines the classical issue of the possible trade-offs between banking competition and financial stability by highlighting different types of risk and the role of leverage. By means of a simple model we show that competition can affect portfolio risk, insolvency risk, liquidity risk,

  19. Suitability Evaluation of River Bank Filtration along the Second Songhua River, China

    Directory of Open Access Journals (Sweden)

    Lixue Wang

    2016-04-01

    Full Text Available The Second Songhua River is the biggest river system in Jilin Province, China. In recent years, the rapid economic development in this area has increased the prominence of water resources and water-related environmental problems; these include surface water pollution and the overexploitation of groundwater resources. Bank infiltration on the floodplains of the Second Songhua River is an important process of groundwater-surface water exchange under exploitation conditions. Understanding this process can help in the development of water resource management plans and strategies for the region. In this research, a multi-criteria evaluation index system was developed with which to evaluate the suitability of bank filtration along the Second Songhua River. The system was comprised of main suitability indexes for water quantity, water quality, the interaction intensity between surface water and groundwater, and the exploitation condition of groundwater resources. The index system was integrated into GIS (Geographic Information System to complete the evaluation of the various indicators. According to the weighted sum of each index, the suitability of river bank filtration (RBF in the study area was divided into five grades. Although the evaluation index system and evaluation method are applicable only to the Second Songhua River basin, the underlying principle and techniques it embodies can be applied elsewhere. For future generalization of the evaluation index system, the specific evaluation index and its scoring criteria should be modified appropriately based on local conditions.

  20. 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.)

  1. Risk assessment data banks at the Savannah River Site

    International Nuclear Information System (INIS)

    Townsend, C.S.; Durant, W.S.; Baughman, D.F.

    1993-01-01

    In the risk assessment business, it is a well known fact that past mistakes will not be remembered if nothing is done to record them and make them available for future reference and review. The Savannah River Site maintains a computer database system for nonreactor facilities that contains a compilation of the incidents that have occurred since the start up of the Site in 1953. The nationally recognized data banks are highly valued across the US Department of Energy (DOE) complex for their use in risk-related analyses. They provide data for uses such as failure rate analyses, equipment reliability and breakdown studies, project justification, incident investigations, design studies, Safety Analysis Reports, Process Hazards Reviews, consequence analyses, quality assurance studies, trend analyses, management decision, administrative control effectiveness studies, and process problem solving. Five risk assessment data banks exist in the areas of reprocessing, fuel fabrication, waste management, tritium, and the Savannah River Technology Center. The data banks are comprised of approximately one-third million entries collectively and continue to grow at a rate of about two hundred entries per day

  2. Bank stability as a risk factor for pipeline infrastructure: a Scottish example

    Science.gov (United States)

    Maniatis, Georgios; Williams, Richard; Hoey, Trevor

    2017-04-01

    Bank erosion is a spatially variable process controlled by a number of factors that are interrelated (e.g. grain size, moisture content, organic content, vegetation, bank gradient). As a risk factor, bank erosion has been strongly connected to the failure of infrastructure that crosses or is adjacent to morphologically dynamic rivers. To manage this risk, comprehensive infrastructure asset management programs should include risk assessment of all structures that cross or are near a river. In Scotland, a significant proportion of cross-river infrastructure is pipe bridges, for both clean and waste water. These river crossings are maintained and managed by Scottish Water, a supplier responsible for a 48,000 km long drinking water pipe network and a 52,000 km long wastewater pipe network. Recently, Scottish Water began a comprehensive pipe bridge asset inspection program, which incorporates the acquisition of data to assess riverbank stability. The first step in the development of this database is the use of a prototype software application (a tablet app) which simplifies the surveying process by framing specific geomorphological questions and surveying tasks. As a result, the surveys can be conducted by inspectors with no specialist training in bank stability assessment and then reviewed by those with more expertise. Here, results are presented of a review of survey data, enabling the identification of the assets that are most at risk from bank erosion. The assessment focuses on assets from catchments in two contrasting areas of Scotland; the Hebrides and Glasgow. The uncertainty analysis focuses on input data quality and the variability of information available for desk based risk assessments using Geographic Information Systems (GIS). In parallel, considerations regarding the extension of this framework towards a unified strategy for assessing bank erosion are discussed such as the selection of a statistical framework and the catchment classification process

  3. Data banks for risk assessment at the Savannah River Site

    International Nuclear Information System (INIS)

    Durant, W.S.; Townsend, C.S.; Baughman, D.F.; Hang, P.

    1992-01-01

    One of the lessons learned from many years of risk assessment experience is that mistakes of the past are soon forgotten if no method is available to retrieve and review these events. Savannah River Site has maintained a computerized data bank system for recording, retrieving and reviewing its incident history. The system is based on a series of compilations developed primarily for risk assessment but has been found to be invaluable for many other uses such as equipment reliability, project justification, and incident investigations

  4. Risk assessment data bank design at the Savannah River Site

    International Nuclear Information System (INIS)

    Townsend, C.S.; Johnson, K.B.

    1992-01-01

    The Savannah River Site has designed and implemented a database system containing a series of compilations of incidents used primarily for risk assessment. Four databases have been designed and implemented using advanced database management system computer software. These databases exist for reprocessing, fuel fabrication, waste management, and the Savannah River Technology Center. They are combined into one system caged the Risk Assessment Methodology (RAM) Fault Tree Data Banks. This paper will discuss the logical design of the data, the menus, and the operating platform. Built-in updating features, such as batch and on-line data entry; data validation methods; automatic update features; and expert system programs, will also be discussed. User functions, such as on-line search/view/report and statistical functions, will be presented. Security features and backup and recovery methods will also be covered

  5. River banks and channel axis curvature: Effects on the longitudinal dispersion in alluvial rivers

    Science.gov (United States)

    Lanzoni, Stefano; Ferdousi, Amena; Tambroni, Nicoletta

    2018-03-01

    The fate and transport of soluble contaminants released in natural streams are strongly dependent on the spatial variations of the flow field and of the bed topography. These variations are essentially related to the presence of the channel banks and to the planform configuration of the channel. Large velocity gradients arise near to the channel banks, where the flow depth decreases to zero. Moreover, single thread alluvial rivers are seldom straight, and usually exhibit meandering planforms and a bed topography that deviates from the plane configuration. Channel axis curvature and movable bed deformations drive secondary helical currents which enhance both cross sectional velocity gradients and transverse mixing, thus crucially influencing longitudinal dispersion. The present contribution sets up a rational framework which, assuming mild sloping banks and taking advantage of the weakly meandering character often exhibited by natural streams, leads to an analytical estimate of the contribution to longitudinal dispersion associated with spatial non-uniformities of the flow field. The resulting relationship stems from a physics-based modeling of the flow in natural rivers, and expresses the bend averaged longitudinal dispersion coefficient as a function of the relevant hydraulic and morphologic parameters. The treatment of the problem is river specific, since it relies on an explicit spatial description, although linearized, of the flow field that establishes in the investigated river. Comparison with field data available from tracer tests supports the robustness of the proposed framework, given also the complexity of the processes that affect dispersion dynamics in real streams.

  6. Bank Erosion, Mass Wasting, Water Clarity, Bathymetry and a Sediment Budget Along the Dam-Regulated Lower Roanoke River, North Carolina

    Science.gov (United States)

    Schenk, Edward R.; Hupp, Cliff R.; Richter, Jean M.; Kroes, Daniel E.

    2010-01-01

    Dam construction and its impact on downstream fluvial processes may substantially alter ambient bank stability, floodplain inundation patterns, and channel morphology. Most of the world's largest rivers have been dammed, which has prompted management efforts to mitigate dam effects. Three high dams (completed between 1953 and 1963) occur along the Piedmont portion of the Roanoke River, North Carolina; just downstream, the lower part of the river flows across largely unconsolidated Coastal Plain deposits. To document bank erosion rates along the lower Roanoke River, more than 700 bank erosion pins were installed along 124 bank transects. Additionally, discrete measurements of channel bathymetry, water clarity, and presence or absence of mass wasting were documented along the entire 153-kilometer-long study reach. Amounts of bank erosion in combination with prior estimates of floodplain deposition were used to develop a bank erosion and floodplain deposition sediment budget for the lower river. Present bank erosion rates are relatively high [mean 42 milimeters per year (mm/yr)] and are greatest along the middle reaches (mean 60 mm/yr) and on lower parts of the bank on all reaches. Erosion rates were likely higher along upstream reaches than present erosion rates such that erosion rate maxima have migrated downstream. Mass wasting and water clarity also peak along the middle reaches.

  7. Hydrogeological investigations of river bed clogging at a river bank filtration site along the River Warta, Poland

    Directory of Open Access Journals (Sweden)

    Przybyłek Jan

    2017-12-01

    Full Text Available River bank filtration (RBF is a system that enriches groundwater resources by induced infiltration of river water to an aquifer. Problematic during operation of RBF systems is the deterioration of infiltration effectiveness caused by river bed clogging. This situation was observed in the Krajkowo well field which supplies fresh water to the city of Poznań (Poland during and after the long hydrological drought between the years 1989 and 1992. The present note discusses results of specific hydrogeological research which included drilling of a net of boreholes to a depth of 10 m below river bottom (for sediment sampling as well as for hydrogeological measurements, analyses of grain size distribution and relative density studies. The results obtained have allowed the recognition of the origin of the clogging processes, as well as the documentation of the clogged parts of the river bottom designated for unclogging activities.

  8. Topographic Signatures of Meandering Rivers with Differences in Outer Bank Cohesion

    Science.gov (United States)

    Kelly, S. A.; Belmont, P.

    2014-12-01

    Within a given valley setting, interactions between river hydraulics, sediment, topography, and vegetation determine attributes of channel morphology, including planform, width and depth, slope, and bed and bank properties. These feedbacks also govern river behavior, including migration and avulsion. Bank cohesion, from the addition of fine sediment and/or vegetation has been recognized in flume experiments as a necessary component to create and maintain a meandering channel planform. Greater bank cohesion slows bank erosion, limiting the rate at which a river can adjust laterally and preventing so-called "runaway widening" to a braided state. Feedbacks of bank cohesion on channel hydraulics and sediment transport may thus produce distinct topographic signatures, or patterns in channel width, depth, and point bar transverse slope. We expect that in bends of greater outer bank cohesion the channel will be narrower, deeper, and bars will have greater transverse slopes. Only recently have we recognized that biotic processes may imprint distinct topographic signatures on the landscape. This study explores topographic signatures of three US rivers: the lower Minnesota River, near Mankato, MN, the Le Sueur River, south central MN, and the Fall River, Rocky Mountain National Park, CO. Each of these rivers has variability in outer bank cohesion, quantified based on geotechnical and vegetation properties, and in-channel topography, which was derived from rtkGPS and acoustic bathymetry surveys. We present methods for incorporating biophysical feedbacks into geomorphic transport laws so that models can better simulate the spatial patterns and variability of topographic signatures.

  9. Using hydraulic heads, geochemistry and 3H to understand river bank infiltration; an example from the Ovens Valley, southeast Australia

    Science.gov (United States)

    Yu, Matthew; Cartwright, Ian

    2014-05-01

    Defining the relationship between the river and its river bank is important in constraining baseflow to a river and enhancing our ability in protecting water resources and riparian ecology. Hydraulic heads, geochemistry and 3H were measured in river banks along the Ovens River, southeast Australia. The Ovens River is characterised by the transition from a single channel river residing within a mountain valley to a multi-channel meandering river on broad alluvial plains in the lower catchment. The 3H concentrations of most near-river groundwater (less than 10 m from river channel) and bank water (10 - 30 m from the river channel) in the valley range between 1.93 and 2.52 TU. They are similar to those of the river, which are between 2.37 and 2.24 TU. These groundwater also have a Na/Cl ratio of 2.7 - 4.7 and are close to the river Na/Cl ratios. These similarities suggest that most river banks in the valley are recharged by the river. The hydraulic heads and EC values indicate that some of these river banks are recharged throughout the year, while others are only recharged during high flow events. Some near-river groundwater and bank water in the valley have a much lower 3H concentration, ranging from 0.97 to 1.27 TU. They also have a lower Na/Cl ratio of 1.6 - 3.1. These differences imply that some of the river banks in the valley are rarely recharged by the river. The lack of infiltration is supported by the constant head gradient toward the river and the constant EC values in these river banks. The river banks with bank infiltration are located in the first few hundred kilometres in the valley and in the middle catchment where the valley is broaden. In the first few hundred kilometres in the valley, it has a relatively flat landscape and does not allow a high regional water table to form. The river thus is always above the water table and recharges the river banks and the valley aquifers. In the broader valley, the relatively low lateral hydraulic gradient is

  10. Stability in Bank Income through Fee-based Activities

    Directory of Open Access Journals (Sweden)

    R. K. Uppal

    2010-12-01

    Full Text Available This paper is an attempt to study the trends in non-interest income which is a vital source of stability in bank income. For this, the study takes some parameters like interest and non-interest income as a percentage to total income, share of non-interest income components like exchange & brokerage, sale in investment and exchange transaction. On the basis of these parameters the study concludes that interest income is continuously declining due to deregulation in interest rates and non-interest income is rising. Among the non-interest income components, commodity exchange & brokerage witnessed a large share while exchange transaction witnessed a meager part. The paper also gives some ways and means to bring stability in the total income.

  11. Does the European financial stability bail out sovereigns or banks : An event study

    NARCIS (Netherlands)

    Horváth, Bálint; Huizinga, Harry

    2015-01-01

    On May 9, 2010 euro zone countries announced the creation of the European Financial Stability Facility. This paper investigates the impact of this announcement on bank share prices, bank credit default swap (CDS) spreads, and sovereign CDS spreads. The main private beneficiaries were bank creditors.

  12. Liberal economic nationalism, financial stability, and Commission leniency in Banking Union

    NARCIS (Netherlands)

    Donnelly, Shawn

    2017-01-01

    This paper demonstrates that protection and promotion of insolvent banks remains a high priority for national authorities in Europe, and the Commission partially accommodates these impulses in the desire to preserve national financial stability. Insolvent banks are kept alive despite Banking Union

  13. Bioengineering case studies sustainable stream bank and slope stabilization

    CERN Document Server

    Goldsmith, Wendi; McCullah, John

    2014-01-01

    This unique volume describes and evaluates 30 projects from across the United States where bio-stabilization was employed to address a detrimental naturally occurring process or byproduct of the built environment. Bio-stabilization (or soil bioengineering) refers to the use of plant materials, primarily live cuttings, arranged in the ground in different arrays to reinforce soils and protect upland slopes and/or stream banks against surficial erosion and shallow slope failures. Examples included in the collection represent different regions of the country and their specific conditions and challenges. Each project is illustrated with a number of distinctive photographs to support the reader's understanding and showcase the wide scope of projects and techniques presented. This book also: ·         Presents a range of well-documented case studies on key techniques and best practices for bio-stabilization projects ·         Emphasizes evaluation and comparison of different techniques and challeng...

  14. Islamic vs. conventional banks : Business models, efficiency and stability

    NARCIS (Netherlands)

    Beck, T.H.L.; Demirgüc-Kunt, A.; Merrouche, O.

    2013-01-01

    How different are Islamic banks from conventional banks? Does the recent crisis justify a closer look at the Sharia-compliant business model for banking? When comparing conventional and Islamic banks, controlling for time-variant country-fixed effects, we find few significant differences in business

  15. Central bank independence and its effect on money market stability

    Directory of Open Access Journals (Sweden)

    MSc. Anera Alishani

    2012-06-01

    Full Text Available Since 1990s many countries have moved toward greater central bank independence (CBI by either amending their Central Bank’s laws or writing them de novo. Also countries of Western Balkans and many other transition countries have moved toward greater CBI. There are many potential benefits associated with greater CBI, and one of them is stable growth of money and liquidity. For a given level of money market development the hypothesis is that a more independent CB is likely to promote more stable growth of money supply (Dželetović et al., 2008. As a result the main research task of this work is to estimate the effects of CBI on money market growth for five Western Balkans countries and five other European transition countries. Because the empirical studies were very limited for the relationship between CBI and money market growth, there were no clear conclusions. In addition, there were different measuring methodologies that attempt to quantify the extent of legal and actual CBI. Related to the main research task, this dissertation has examined the effects of CBI on money market stability (proxied by bank deposit growth for a sample of 10 countries for a period from 1999-2009 by using fixed effect model. Through this methodology different regressions have been estimated, but the results were not robust and there are no clear finding on the relationship between CBI and money market growth.

  16. Possible Location of Gaspar Dias Fort in Relation to the Present River Bank

    Digital Repository Service at National Institute of Oceanography (India)

    Mascarenhas, A.; Tripati, S.; ManiMurali, R.

    , it would be worthwhile to delineate the past river bank with respect to the present one, and to check whether any morphological changes occurred since then. Although the fort is marked by the river side in historical maps, the exact position of the shore...

  17. Two case studies in river naturalization: planform migration and bank erosion control

    Science.gov (United States)

    Abad, J. D.; Guneralp, I.; Rhoads, B. L.; Garcia, M. H.

    2005-05-01

    A sound understanding of river planform evolution and bank erosion control, along with integration of expertise from several disciplines is required for the development of predictive models for river naturalization. Over the last few years, several methodologies have been presented for naturalization projects, from purely heuristic to more advanced methods. Since the time and space scales of concern in naturalization vary widely, there is a need for appropriate tools at a variety of time and space scales. This study presents two case studies at different scales. The first case study describes the prediction of river planform evolution for a remeandering project based on a simplified two-dimensional hydrodynamic model. The second case study describes the applicability of a Computational Fluid Dynamics (CFD) model for evaluating the effectiveness of bank-erosion control structures in individual meander bends. Understanding the hydrodynamic influence of control structures on flow through bends allows accurate prediction of depositional and erosional distribution patterns, resulting in better assessment on river planform stability, especially for the case of natural complex systems. The first case study introduces a mathematical model for evolution of meandering rivers that can be used in remeandering projects. In United States in particular, several rivers have been channelized in the past causing environmental and ecological problems. Following Newton's third law, "for every action, there is a reaction", naturalization techniques evolve as natural reactive solutions to channelization. This model (herein referred as RVR Meander) can be used as a stand-alone Windows application or as module in a Geographic Information System. The model was applied to the Poplar Creek re-meanderization project and used to evaluate re-meandering alternatives for an approximately 800-meter long reach of Poplar Creek that was straightened in 1938. The second case study describes a

  18. Numerical Estimation of the Outer Bank Resistance Characteristics in AN Evolving Meandering River

    Science.gov (United States)

    Wang, D.; Konsoer, K. M.; Rhoads, B. L.; Garcia, M. H.; Best, J.

    2017-12-01

    Few studies have examined the three-dimensional flow structure and its interaction with bed morphology within elongate loops of large meandering rivers. The present study uses a numerical model to simulate the flow pattern and sediment transport, especially the flow close to the outer-bank, at two elongate meandering loops in Wabash River, USA. The numerical grid for the model is based on a combination of airborne LIDAR data on floodplains and the multibeam data within the river channel. A Finite Element Method (FEM) is used to solve the non-hydrostatic RANS equation using a K-epsilon turbulence closure scheme. High-resolution topographic data allows detailed numerical simulation of flow patterns along the outer bank and model calibration involves comparing simulated velocities to ADCP measurements at 41 cross sections near this bank. Results indicate that flow along the outer bank is strongly influenced by large resistance elements, including woody debris, large erosional scallops within the bank face, and outcropping bedrock. In general, patterns of bank migration conform with zones of high near-bank velocity and shear stress. Using the existing model, different virtual events can be simulated to explore the impacts of different resistance characteristics on patterns of flow, sediment transport, and bank erosion.

  19. Efficiency and stability: A comparative study between islamic and conventional banks in GCC countries

    Directory of Open Access Journals (Sweden)

    Mohammad Dulal Miah

    2017-12-01

    Full Text Available This research aims at examining the differences between Islamic and conventional banks in terms of business orientation, stability, and efficiency. Data for this research are collected from 48 conventional banks and 28 Islamic banks of the Gulf Cooperative Council (GCC countries over the period 2005 to 2014. Collected data are analyzed using accounting ratios, Stochastic Frontier Analysis (SFA, and ordinary least square (OLS regression technique. Results show that conventional banks are more efficient in managing cost than their Islamic counterparts. However, Islamic banks are more solid in terms of short-term solvency but no such difference exists as far as the long-term stability is concerned. Regression estimation further shows that the operations of Islamic banks are different from their conventional counterparts and the results remain statistically significant even after controlling for bank specific variables. Moreover, larger banks have less intermediation ratio which indicates diseconomies of scale. Results also indicate that highly capitalized banks are more stable but cost inefficient which proves that capital-rich banks have failed to capitalize on the leverage effect. JEL classification: G21, G28, Keywords: Cost efficiency, Financial stability, Financial crisis, Islamic banks, GCC

  20. Forecasting of Groundwater Level using Artificial Neural Network by incorporating river recharge and river bank infiltration

    Directory of Open Access Journals (Sweden)

    Nizar Shamsuddin Mohd Khairul

    2017-01-01

    Full Text Available Groundwater tables forecasting during implemented river bank infiltration (RBI method is important to identify adequate storage of groundwater aquifer for water supply purposes. This study illustrates the development and application of artificial neural networks (ANNs to predict groundwater tables in two vertical wells located in confined aquifer adjacent to the Langat River. ANN model was used in this study is based on the long period forecasting of daily groundwater tables. ANN models were carried out to predict groundwater tables for 1 day ahead at two different geological materials. The input to the ANN models consider of daily rainfall, river stage, water level, stream flow rate, temperature and groundwater level. Two different type of ANNs structure were used to predict the fluctuation of groundwater tables and compared the best forecasting values. The performance of different models structure of the ANN is used to identify the fluctuation of the groundwater table and provide acceptable predictions. Dynamics prediction and time series of the system can be implemented in two possible ways of modelling. The coefficient correlation (R, Mean Square Error (MSE, Root Mean Square Error (RMSE and coefficient determination (R2 were chosen as the selection criteria of the best model. The statistical values for DW1 are 0.8649, 0.0356, 0.01, and 0.748 respectively. While for DW2 the statistical values are 0.7392, 0.0781, 0.0139, and 0.546 respectively. Based on these results, it clearly shows that accurate predictions can be achieved with time series 1-day ahead of forecasting groundwater table and the interaction between river and aquifer can be examine. The findings of the study can be used to assist policy marker to manage groundwater resources by using RBI method.

  1. Volumetric measurement of river bank erosion from sequential historical aerial photography

    Science.gov (United States)

    Spiekermann, Raphael; Betts, Harley; Dymond, John; Basher, Les

    2017-11-01

    Understanding of the relative contribution of bank erosion to sediment budgets in New Zealand is limited. Few measurements of bank erosion rates exist, and this is a major limitation to the development of a locally calibrated model of bank erosion. The New Zealand sediment budget model, SedNetNZ, predicts bank erosion based on preliminary data, and this study aims to underpin the development of an improved model for bank erosion. Photogrammetric techniques and LiDAR were used to collect data on bank erosion rates for five different river reaches, ranging from 3 to 14 km in length, in the Kaipara Catchment, Northland, New Zealand. Changing river channel planform between the 1950s and 2015 was assessed using four to five well-spaced dates of historical aerial photographs. Changes in planform were combined with bank height, to calculate erosion and accretion volumes which were compared with SedNetNZ modelled estimates. Erosion and accretion is relatively evenly balanced in the study sites. The largest difference in terms of relative proportions of erosion and accretion are found along the Tangowahine River (13.4 km reach length), where 492,000 m3 of sediment eroded between 1956 and 2015 compared to 364,000 m3 of accretion. Lateral migration rates (erosion) for the five river reaches range between 0.14 m yr- 1 and 0.21 m yr- 1 and are comparable with those measured by previous assessments in New Zealand. The migration rates in channel widths per year for the three larger rivers (stream order 5-6) range between 0.4% and 0.8% of channel width per year. In contrast, the smaller streams (stream order 3-4) are retreating more rapidly, with width-averaged rates of 1.7% and 3.0%. Current SedNetNZ modelling tends to underestimate the bank height and greatly overestimates the migration rate.

  2. Radium contamination of the Laak river banks as a consequence of phosphate industry in Belgium

    International Nuclear Information System (INIS)

    Paridaens, J.; Vanmarcke, H.

    2002-01-01

    For over half a century, phosphate ores of marine origin, containing 226 Ra have been processed in Belgium to produce calcium phosphate for use in cattle food. As a result, the wastewaters contained 226 Ra, which was discharged into two little rivers, one of which is the Laak. The purpose of this study was to chart the radium contamination of the river banks, and of some areas that are regularly flooded by the river. It was seen that enhanced concentration of 226 Ra do occur along the river banks, but that the contaminated area is mostly confined to a 10 m strip on both sides of the river, even in the flooding zones. At present, no dwellings are present on top of the contamination, and no crops for direct human consumption are grown there, so there is no immediate threat to the population. (author)

  3. The analysis of Stability reliability of Qian Tang River seawall

    Science.gov (United States)

    Wu, Xue-Xiong

    2017-11-01

    Qiantang River seawall due to high water soaking pond by foreshore scour, encountered during the low tide prone slope overall instability. Considering the seawall beach scour in front of random change, using the simplified Bishop method, combined with the variability of soil mechanics parameters, calculation and analysis of Qiantang River Xiasha seawall segments of the overall stability.

  4. Competition, liquidity and stability: international evidence at the bank and systemic levels

    OpenAIRE

    Nguyen, Thi Ngoc My

    2017-01-01

    This thesis investigates the impact of market power on bank liquidity; the association between competition and systemic liquidity; and whether the associations between liquidity and stability at both bank- and systemic- levels are affected by competition. The first research question is explored in the context of 101 countries over 1996-2013 while the second and the third, which require listed banks, use a smaller sample of 32 nations during 2001-2013. The Panel Least Squares and the system Ge...

  5. THE BANKING SUPERVISION: CAN IT REDUCE THE RISK-TAKING AND, CONSEQUENTLY, STRENGTHEN THE STABILITY OF THE BANKING SECTOR IN MOLDOVA?

    Directory of Open Access Journals (Sweden)

    Elena MARGARINT

    2015-12-01

    Full Text Available Actuality: The empirical studies on the impact of the supervision on the stability of the banking sector are mitigated, varying depending on the particular characteristics of the bank and, in addition, the country's policy in which banks operate. This is why this study is important for the banking sector in Moldova. Purpose: The objective of this article is to studies the effects of the banking supervision on the risk-taking of banks and, consequently, the stability of the banking sector in Moldova. Methods: To order to achieve its purpose, the author applied the method of static panel data with random effect. Results: This empirical analysis reported the following results: increased restrictions on the activities of banks increases the stability of the banking sector. On the other hand, the power and independence of the supervisory authority have a negative impact on the stability of Moldovan banks. The increase of the capital level strengthens the stability of Moldovan banks and, at the same time, reduces the risk. Thus, capital regulations are an important pillar of the policy of the regulation of the banking sector of Moldova.

  6. The trade-off between monetary policy and bank stability

    NARCIS (Netherlands)

    Lamers, Martien; Mergaerts, Frederik; Meuleman, Elien; Vennet, Rudi Vander

    2016-01-01

    This paper investigates how monetary policy interventions by the European Central Bank and the Federal Reserve affect the stock market perception of bank systemic risk. In a first step, we identify monetary policy shocks using a structural VAR approach by exploiting the changes of the volatility of

  7. Savannah River Laboratory data banks for risk assessment of fuel reprocessing plants

    International Nuclear Information System (INIS)

    Durant, W.S.

    1981-10-01

    The Savannah River Laboratory maintains a series of computerized data banks primarily as an aid in probabilistic risk assessment studies in the fuel reprocessing facilities. These include component failure rates, generic incidents, and reports of specific deviations from normal operating conditions. In addition to providing data for probability studies, these banks, have served as a valuable aid in trend analysis, equipment histories, process hazards analysis, consequence assessments, incident audit, process problem solving, and training

  8. The Impact of Revenue Diversification on Bank Profitability and Stability: Empirical Evidence from South Asian Countries

    Directory of Open Access Journals (Sweden)

    Shoaib Nisar

    2018-04-01

    Full Text Available This paper is a contribution to the ongoing debate on the benefits and drawbacks of bank revenue diversification. Revenue diversification may benefit banks if diversified activities are inherently less risky and possess high returns, while it may hurt banks if diversified activities are more risky and have low returns. Analyzing a panel dataset of 200 commercial banks from all South Asian countries, we found that overall revenue diversification into non-interest income has a positive impact on the profitability and stability of South Asian commercial banks. We further observed that different types of non-interest income-generating activities have different impacts on bank performance and stability. While fees and commission incomes have a negative impact on the profitability and stability of South Asian commercial banks, other non-interest income has a positive impact. Our results imply that banks can benefit from revenue diversification if they diversify into specific types of non-interest income-generating activities. Our findings are robust and relevant to the use of alternative measures of revenue diversification, profitability and stability.

  9. Residence times and mixing of water in river banks: implications for recharge and groundwater-surface water exchange

    Science.gov (United States)

    Unland, N. P.; Cartwright, I.; Cendón, D. I.; Chisari, R.

    2014-12-01

    Bank exchange processes within 50 m of the Tambo River, southeast Australia, have been investigated through the combined use of 3H and 14C. Groundwater residence times increase towards the Tambo River, which suggests the absence of significant bank storage. Major ion concentrations and δ2H and δ18O values of bank water also indicate that bank infiltration does not significantly impact groundwater chemistry under baseflow and post-flood conditions, suggesting that the gaining nature of the river may be driving the return of bank storage water back into the Tambo River within days of peak flood conditions. The covariance between 3H and 14C indicates the leakage and mixing between old (~17 200 years) groundwater from a semi-confined aquifer and younger groundwater (bank infiltration. Furthermore, the more saline deeper groundwater likely controls the geochemistry of water in the river bank, minimising the chemical impact that bank infiltration has in this setting. These processes, coupled with the strongly gaining nature of the Tambo River are likely to be the factors reducing the chemical impact of bank storage in this setting. This study illustrates the complex nature of river groundwater interactions and the potential downfall in assuming simple or idealised conditions when conducting hydrogeological studies.

  10. Mechanical and Hydrologic Effects of Riparian Vegetation on Critical Conditions for Streambank Stability: Upper Truckee River, California

    Science.gov (United States)

    Simon, A.; Pollen, N. L.; Langendoen, E. J.

    2005-05-01

    The Upper Truckee River is the single largest contributor of sediment to Lake Tahoe with a large proportion of the suspended-sediment load coming from eroding streambanks. Recent advances in quantifying streambank processes highlight the combined effects of hydraulic erosion at the bank toe with geotechnical stability of the upper part of the bank and resulted in the development of a deterministic model of bank-toe erosion and streambank stability (Simon et al., 1999). The use of riparian vegetation in schemes of bank stabilization and stream restoration have become popular but are often implemented on a trial and error basis because of a lack of quantifiable information on the mechanical and hydrologic effects of vegetation on bank stability. This study, conducted along an unstable reach of the Upper Truckee River, combines field data with numerical modeling to quantify (1) hydraulic and geotechnical driving and resisting forces that control bank failures, (2) the mechanical and hydrologic effects of vegetation on shear strength, and (3) the critical conditions for bank stability with and without indigenous riparian species. Tests were conducted using three top-bank treatments: bare (control), Lemmon's willow, and young Lodgepole pine. The susceptibility of the bank toe to erosion by hydraulic forces was quantified by conducting submerged jet tests of in situ material to determine the erodibility coefficient (k) and the critical shear stress of the material. Drained, shear-strength parameters (cohesion and friction angle) of the banks were determined from borehole shear tests at various depths. Pore-water pressure and matric suction were monitored at three depths (30, 100, and 150 cm) with digital tensiometers to calculate changes in apparent cohesion for the period (September 2003 - May 2004) and to differentiate between the hydrologic effects of the two species. Root reinforcement of the two species was quantified by determining the relation between root

  11. Hydraulic design of Three Gorges right bank powerhouse turbine for improvement of hydraulic stability

    International Nuclear Information System (INIS)

    Shi, Q

    2010-01-01

    This paper presents the hydraulic design of Three Gorges Right Bank Powerhouse turbine for improvement of hydraulic stability. The technical challenges faced in the hydraulic design of the turbine are given. The method of hydraulic design for improving the hydraulic stability and particularly for eliminating the upper part load pressure pulsations is clarified. The final hydraulic design results of Three Gorges Right Bank Powerhouse turbine based on modern hydraulic design techniques are presented.

  12. Hydraulic design of Three Gorges right bank powerhouse turbine for improvement of hydraulic stability

    Energy Technology Data Exchange (ETDEWEB)

    Shi, Q, E-mail: qhshi@dfem.com.c [Dong Fang Electrical Machinery Co., Ltd., DEC 188, Huanghe West Road, Deyang, 618000 (China)

    2010-08-15

    This paper presents the hydraulic design of Three Gorges Right Bank Powerhouse turbine for improvement of hydraulic stability. The technical challenges faced in the hydraulic design of the turbine are given. The method of hydraulic design for improving the hydraulic stability and particularly for eliminating the upper part load pressure pulsations is clarified. The final hydraulic design results of Three Gorges Right Bank Powerhouse turbine based on modern hydraulic design techniques are presented.

  13. Morphology of the Zambezi River plume in the Sofala Bank ...

    African Journals Online (AJOL)

    In this paper, hydrographic data collected in the vicinity of the Zambezi River plume between 2004-2007 is discussed alongside historical data to infer the plume morphology. The sampling plan called for 73 CTD stations that were interspersed with sampling of shrimp recruitment. Satellite-derived wind speed and river ...

  14. Bank Topography, Bathymetry, and Current Velocity of the Lower Elwha River, Clallam County, Washington, May 2006

    Science.gov (United States)

    Curran, Christopher A.; Konrad, Christopher P.; Dinehart, Randal L.; Moran, Edward H.

    2008-01-01

    The removal of two dams from the mainstem of the Elwha River is expected to cause a broad range of changes to the river and nearby coastal ecosystem. The U.S. Geological Survey has documented aspects of the condition of the river to allow analysis of ecological responses to dam removal. This report documents the bank topography, river bathymetry, and current velocity data collected along the lower 0.5 kilometer of the Elwha River, May 15-17, 2006. This information supplements nearshore and beach surveys done in 2006 as part of the U.S. Geological Survey Coastal Habitats in Puget Sound program near the Elwha River delta in the Strait of Juan de Fuca, Washington.

  15. Components of formalized description of selecting tools for ensuring stability of banking system

    Directory of Open Access Journals (Sweden)

    N.P. Pogorelenko

    2015-09-01

    Full Text Available A banking system is one of the key elements of a financial market of any country. Effectiveness and functional orientation of a banking system provide continuous and targeted financial resources flowing between different sectors of economy and this allows to perform economic activities of various entities. Thus, a banking system plays an essential role in the formation of market relations. A question of stable functioning of a banking system can be defined as a key one. The basic task is to improve the management of a banking system by achieving its stability. The disclosure of formalized description of the definition of tools to influence the selection procedure for ensuring stability of a banking system should be determined as the primary objective. For reaching the goal a comparative study has been introduced and generalized concerning the concept definition of «banking system» and the ideology of its management according to the circumstances and factors of influence. The combination of individual components is to determine the instruments of influence on the banking system activity in the form of chain ties. On the base of the analysis carried out the article grounds the necessity of the generalized use of formalized description of the procedures for selecting instruments for ensuring stability of a banking system. For the purpose of this procedure the author has also grounded, determined and disclosed some of its components. To implement the relevant qualitative phase of formalization the author has proposed the use of chain patterns, and to quantify the individual parameters of such a procedure the methodology of border stochastic analysis has been offered. As a scientific novelty of the present research it is necessary to note the qualitative and quantitative phases for formal presentation of describing procedures for the selection of tools to ensure banking system stability as well as the introduction of chain schemes for the

  16. Measuring techniques for the characterisation of 137Cs contaminated river banks, Slovakia

    International Nuclear Information System (INIS)

    Slavik, O.; Moravek, J.

    2000-01-01

    In 1990, 137 Cs contaminated areas were discovered along 19 km of the banks of the rivers receiving discharged waste waters from the Bohunice NPP. The contamination was the result of uncontrolled releases of drainage water from the radioactive waste treatment unit and two accidents on the CO 2 cooled and heavy water moderated NPP-A1 unit in 1976 and 1977. In total, more than 67.000 m 2 of bank surfaces (the lower and middle parts of their slopes) have been found to be contaminated with 137 Cs at levels exceeding 1 kBq/kg of soil. This paper describes the planning for restoration of these river banks with emphasis on site characterization techniques used for these purposes. The general strategy and application of monitoring techniques for the purposes of characterisation of contaminated river banks is the main topic of the work performed in the context of the IAEA CRP on 'Site Characterisation Techniques for Environmental Restoration'. First results in developing new and more sophisticated measuring techniques, needed for the characterization of discontinuous and spot-contamination found on parts of the banks are given. The technique described is based on a dose rate measurement approach, using ratio of two detector readings at two different distances above ground and Monte-Carlo simulations of the plastic scintillation detector responses. The method will also be useful, for the final, post-remediation survey of residual spots of 137 Cs contamination. (author)

  17. Transformation of organic micropollutants during river bank filtration : Laboratory versus field data

    NARCIS (Netherlands)

    Bertelkamp, C.; Reungoat, J.; Botton, S.; Cornelissen, E.; Ghadiri, E.; De Jonge, M.; Singhal, N.; Van der Hoek, J.P.; Verliefde, A.R.D.

    2012-01-01

    This paper investigates the degradation behavior of 14 organic micropoliutants (OMPs), selected for their different physico-chemical properties (e.g., molecular weight, hydrophobicity and charge). In soil columns simulating the conditions prevailing in the first meter of river bank filtration (RBF)

  18. Missouri River 1943 Compact Line

    Data.gov (United States)

    Iowa State University GIS Support and Research Facility — Flood Control, Bank Stabilization and development of a navigational channel on the Missouri River had a great impact on the river and adjacent lands. The new...

  19. The Importance of Bank Storage in Supplying Baseflow to Rivers Flowing Through Compartmentalized, Alluvial Aquifers

    Science.gov (United States)

    Rhodes, Kimberly A.; Proffitt, Tiffany; Rowley, Taylor; Knappett, Peter S. K.; Montiel, Daniel; Dimova, Natasha; Tebo, Daniel; Miller, Gretchen R.

    2017-12-01

    As water grows scarcer in semiarid and arid regions around the world, new tools are needed to quantify fluxes of water and chemicals between aquifers and rivers. In this study, we quantify the volumetric flux of subsurface water to a 24 km reach of the Brazos River, a lowland river that meanders through the Brazos River Alluvium Aquifer (BRAA), with 8 months of high-frequency differential gaging measurements using fixed gaging stations. Subsurface discharge sources were determined using natural tracers and End-Member Mixing Analysis (EMMA). During a 4 month river stage recession following a high stage event, subsurface discharge decreased from 50 m3/s to 0, releasing a total of 1.0 × 108 m3 of water. Subsurface discharge dried up even as the groundwater table at two locations in the BRAA located 300-500 m from the river remained ˜4 m higher than the river stage. Less than 4% of the water discharged from the subsurface during the prolonged recession period resembled the chemical fingerprint of the alluvial aquifer. Instead, the chemistry of this discharged water closely resembled high stage "event" river water. Together, these findings suggest that the river is well connected to rechargeable bank storage reservoirs but disconnected from the broader alluvial aquifer. The average width of discrete bank storage zones on each side of the river, identified with Electrical Resistivity Tomography (ERT), was approximately 1.5 km. In such highly compartmentalized aquifers, groundwater pumping is unlikely to impact the exchange between the river and the alluvium.

  20. THE IMPACT OF THE FOREIGN CAPITAL BANKS ON ENSURING FINANCIAL STABILITY ON LONG TERM

    Directory of Open Access Journals (Sweden)

    Isac\tBORS

    2015-06-01

    Full Text Available The present study is focusing on analysing the role played by the foreign banks within the national and international banking system as well the impact the foreign banks have on the autochthon banking system, on the financial activity, on the real economy and on the financial stability on long terms. The research conducted highlights the fact that along the positive impact on the banking system and on the economy of the host country, generated by their quality as vectors of mobilizing and directioning the international financial flows towards the host country, there can also be considered a negative impact. The study shows that the impact of the negative effects, that have as main cause the reversibility of the international financial flows, depends, on a great extent, on the specific conditions of the host country, on the characteristics of the foreign banks, but mostly, by the share held by the foreign countries within the framework of the host banking system. Starting from the role played by the capitalization of the banking system to ensure financial stability, the research made on Romania’s case shows both, the positive effects generated by the presence of the foreign banks and also, their vulnerability in front of this excessive dependence on the foreign capital induced by this presence. The solution to reduce this dependence can only come from the autochthon capital direction whose mobilization may countervail the gap made by the foreign banks and, by surceasing the process of financial disintermediation, to ensure the maintenance of the financial stability on long term.

  1. The concentration-stability controversy in banking : New evidence from the EU-25

    NARCIS (Netherlands)

    IJtsma, Pieter; Spierdijk, Laura; Shaffer, Sherrill

    2017-01-01

    This study explores whether the concentration-stability relation is affected by the level of analysis; i.e., bank-level versus country-level stability. The diverging results in the literature suggest that we may indeed expect differences between the two levels. With the z-score as the measure of

  2. Evaluating the Financial Stability of Banking System, Considering the Emergence Property

    Directory of Open Access Journals (Sweden)

    Lesik Vitaliy O.

    2017-03-01

    Full Text Available The article is concerned with analyzing the existing approaches to evaluation of the financial stability of banking system, substantiating the expedience of accounting, and generalizing the characteristics of the emergence property to determine its level. The article considers the interrelation of concepts of «financial stability» and «financial sustainability», the necessity of their correlation, taking account of the time factor, has been substantiated. A critical analysis of the approaches to evaluating the financial stability of banking system has been carried out, their eligibility according to the criteria of accounting of the identification attributes of systemacity and the analytical data aggregation has been examined. To determine the status of banking system as a system phenomenon, the necessity of carrying out an evaluation of its financial stability on the basis of the emergence approach has been substantiated, including the following directions: intensity of credit and financial interaction in the interbank market; functional load of the banking system as to ensuring the macroeconomic development; structural changes and financial disparities in the banking system; scale effects that arise as a consequence of change in the main financial parameters of the system banks.

  3. Financial Stability in European Banking: The Role of Common Factors

    NARCIS (Netherlands)

    Kool, C.J.M.

    In this paper, I investigate the development and determinants of CDS spreads for 18 major European banks between December 2001 and January 2004 applying factor analysis to daily data. Two clear-cut conclusions can be drawn. First, the dominating first common factor that explains 88 percent of all

  4. Ground water flow velocity in the bank of the Columbia River, Hanford, Washington

    International Nuclear Information System (INIS)

    Ballard, S.

    1995-12-01

    To properly characterize the transport of contaminants from the sediments beneath the Hanford Site into the Columbia River, a suite of In Situ Permeable Flow Sensors was deployed to accurately characterize the hydrologic regime in the banks of the river. The three dimensional flow velocity was recorded on an hourly basis from mid May to mid July, 1994 and for one week in September. The first data collection interval coincided with the seasonal high water level in the river while the second interval reflected conditions during relatively low seasonal river stage. Two flow sensors located approximately 50 feet from the river recorded flow directions which correlated very well with river stage, both on seasonal and diurnal time scales. During time intervals characterized by falling river stage, the flow sensors recorded flow toward the river while flow away from the river was recorded during times of rising river stage. The flow sensor near the river in the Hanford Formation recorded a component of flow oriented vertically downward, probably reflecting the details of the hydrostratigraphy in close proximity to the probe. The flow sensor near the river in the Ringold Formation recorded an upward component of flow which dominated the horizontal components most of the time. The upward flow in the Ringold probably reflects regional groundwater flow into the river. The magnitudes of the flow velocities recorded by the flow sensors were lower than expected, probably as a result of drilling induced disturbance of the hydraulic properties of the sediments around the probes. The probes were installed with resonant sonic drilling which may have compacted the sediments immediately surrounding the probes, thereby reducing the hydraulic conductivity adjacent to the probes and diverting the groundwater flow away from the sensors

  5. Development of a methodology of evaluation of financial stability of commercial banks

    Directory of Open Access Journals (Sweden)

    Brauers Willem Karel M.

    2014-01-01

    Full Text Available The field of evaluation of financial stability of commercial banks, which emanates from persistent existence of financial crisis, induces interest of researchers for over a century. The span of prevailing methodologies stretches from over-simplified risk-return approaches to ones comprising large number of economic variables on the micro- and/or macro-economic level. Methodologies of rating agencies and current methodologies reviewed and applied by the ECB are not intended for reducing information asymmetry in the market of commercial banks. In the paper it is shown that the Lithuanian financial system is bankbased with deposits of households being its primary sources, and its stability is primarily depending on behavior of depositors. A methodology of evaluation of commercial banks with features of decreasing information asymmetry in the market of commercial banks is being developed by comparing different MCDA methods.

  6. The Asymmetric Implementation of the European Banking Union (EBU: Consequences for Financial Stability

    Directory of Open Access Journals (Sweden)

    Vollmer Uwe

    2016-06-01

    Full Text Available EU Member States outside the Eurozone are hesitating to enter the European Banking Union (EBU and to establish “close cooperation” in bank supervision with the ECB. This paper analyzes the consequences of such asymmetric integration for financial stability in Europe. It argues that the main obstacles against establishing close cooperation are a lack of voting rights and insufficient access to the fiscal backstop provided by the European Stability Mechanism (ESM. The paper presents arguments as to why international cooperation in bank supervision could be welfare improving, if multinational banks are dominant. It also discusses suitable reform options for making it more attractive for EU Member States to begin a close cooperation with the ECB.

  7. Back to Basics in Banking? A Micro-Analysis of Banking System Stability

    NARCIS (Netherlands)

    De Jonghe, O.G.

    2009-01-01

    This paper analyzes the relationship between banks’ divergent strategies toward specialization and diversification of financial activities and their ability to withstand a banking sector crash. We first generate market-based measures of banks’ systemic risk exposures using extreme value analysis.

  8. Spatio-temporal changes in river bank mass failures in the Lockyer Valley, Queensland, Australia

    Science.gov (United States)

    Thompson, Chris; Croke, Jacky; Grove, James; Khanal, Giri

    2013-06-01

    Wet-flow river bank failure processes are poorly understood relative to the more commonly studied processes of fluvial entrainment and gravity-induced mass failures. Using high resolution topographic data (LiDAR) and near coincident aerial photography, this study documents the downstream distribution of river bank mass failures which occurred as a result of a catastrophic flood in the Lockyer Valley in January 2011. In addition, this distribution is compared with wet flow mass failure features from previous large floods. The downstream analysis of these two temporal data sets indicated that they occur across a range of river lengths, catchment areas, bank heights and angles and do not appear to be scale-dependent or spatially restricted to certain downstream zones. The downstream trends of each bank failure distribution show limited spatial overlap with only 17% of wet flows common to both distributions. The modification of these features during the catastrophic flood of January 2011 also indicated that such features tend to form at some 'optimum' shape and show limited evidence of subsequent enlargement even when flow and energy conditions within the banks and channel were high. Elevation changes indicate that such features show evidence for infilling during subsequent floods. The preservation of these features in the landscape for a period of at least 150 years suggests that the seepage processes dominant in their initial formation appear to have limited role in their continuing enlargement over time. No evidence of gully extension or headwall retreat is evident. It is estimated that at least 12 inundation events would be required to fill these failures based on the average net elevation change recorded for the 2011 event. Existing conceptual models of downstream bank erosion process zones may need to consider a wider array of mass failure processes to accommodate for wet flow failures.

  9. Risk and Performance – Purposes of Banking Supervison and Stability

    OpenAIRE

    Florea Drago?

    2011-01-01

    No organisation is immune to risk. Moreover, each organisation’s risks change constantly. Every organisation must learn to anticipate and prevent risk by identifying, measures, and controlling business. In this article we will show that banking risk management is an ever-changing process shaped by general factors, such as the institution objectives, financial trends, government regulation, internal structure, the maturity structure of assets and liabilities, and the size and source of the ris...

  10. Modelling river bank erosion processes and mass failure mechanisms using 2-D depth averaged numerical model

    Science.gov (United States)

    Die Moran, Andres; El kadi Abderrezzak, Kamal; Tassi, Pablo; Herouvet, Jean-Michel

    2014-05-01

    Bank erosion is a key process that may cause a large number of economic and environmental problems (e.g. land loss, damage to structures and aquatic habitat). Stream bank erosion (toe erosion and mass failure) represents an important form of channel morphology changes and a significant source of sediment. With the advances made in computational techniques, two-dimensional (2-D) numerical models have become valuable tools for investigating flow and sediment transport in open channels at large temporal and spatial scales. However, the implementation of mass failure process in 2D numerical models is still a challenging task. In this paper, a simple, innovative algorithm is implemented in the Telemac-Mascaret modeling platform to handle bank failure: failure occurs whether the actual slope of one given bed element is higher than the internal friction angle. The unstable bed elements are rotated around an appropriate axis, ensuring mass conservation. Mass failure of a bank due to slope instability is applied at the end of each sediment transport evolution iteration, once the bed evolution due to bed load (and/or suspended load) has been computed, but before the global sediment mass balance is verified. This bank failure algorithm is successfully tested using two laboratory experimental cases. Then, bank failure in a 1:40 scale physical model of the Rhine River composed of non-uniform material is simulated. The main features of the bank erosion and failure are correctly reproduced in the numerical simulations, namely the mass wasting at the bank toe, followed by failure at the bank head, and subsequent transport of the mobilised material in an aggradation front. Volumes of eroded material obtained are of the same order of magnitude as the volumes measured during the laboratory tests.

  11. Does competition improve financial stability of the banking sector in ASEAN countries? An empirical analysis

    Science.gov (United States)

    Gee, Chan Sok; Isa, Che Ruhana

    2017-01-01

    This study examines the influence of competition on the financial stability of the commercial banks of Association of Southeast Asian Nation (ASEAN) over the 1990 to 2014 period. Panzar-Rosse H-statistic, Lerner index and Herfindahl-Hirschman Index (HHI) are used as measures of competition, while Z-score, non-performing loan (NPL) ratio and equity ratio are used as measures of financial stability. Two-step system Generalized Method of Moments (GMM) estimates demonstrate that competition measured by H-statistic is positively related to Z-score and equity ratio, and negatively related to non-performing loan ratio. Conversely, market power measured by Lerner index is negatively related to Z-score and equity ratio and positively related to NPL ratio. These results strongly support the competition-stability view for ASEAN banks. We also capture the non-linear relationship between competition and financial stability by incorporating a quadratic term of competition in our models. The results show that the coefficient of the quadratic term of H-statistic is negative for the Z-score model given a positive coefficient of the linear term in the same model. These results support the non-linear relationship between competition and financial stability of the banking sector. The study contains significant policy implications for improving the financial stability of the commercial banks. PMID:28486548

  12. Does competition improve financial stability of the banking sector in ASEAN countries? An empirical analysis.

    Science.gov (United States)

    Noman, Abu Hanifa Md; Gee, Chan Sok; Isa, Che Ruhana

    2017-01-01

    This study examines the influence of competition on the financial stability of the commercial banks of Association of Southeast Asian Nation (ASEAN) over the 1990 to 2014 period. Panzar-Rosse H-statistic, Lerner index and Herfindahl-Hirschman Index (HHI) are used as measures of competition, while Z-score, non-performing loan (NPL) ratio and equity ratio are used as measures of financial stability. Two-step system Generalized Method of Moments (GMM) estimates demonstrate that competition measured by H-statistic is positively related to Z-score and equity ratio, and negatively related to non-performing loan ratio. Conversely, market power measured by Lerner index is negatively related to Z-score and equity ratio and positively related to NPL ratio. These results strongly support the competition-stability view for ASEAN banks. We also capture the non-linear relationship between competition and financial stability by incorporating a quadratic term of competition in our models. The results show that the coefficient of the quadratic term of H-statistic is negative for the Z-score model given a positive coefficient of the linear term in the same model. These results support the non-linear relationship between competition and financial stability of the banking sector. The study contains significant policy implications for improving the financial stability of the commercial banks.

  13. Residence times and mixing of water in river banks: implications for recharge and groundwater - surface water exchange

    Science.gov (United States)

    Unland, N. P.; Cartwright, I.; Cendón, D. I.; Chisari, R.

    2014-02-01

    The residence time of groundwater within 50 m of the Tambo River, South East Australia, has been estimated through the combined use of 3H and 14C. Groundwater residence times increase towards the Tambo River which implies a gaining river system and not increasing bank storage with proximity to the Tambo River. Major ion concentrations and δ2H and δ18O values of bank water also indicate that bank infiltration does not significantly impact groundwater chemistry under baseflow and post-flood conditions, suggesting that the gaining nature of the river may be driving the return of bank storage water back into the Tambo River within days of peak flood conditions. The covariance between 3H and 14C indicates the leakage and mixing between old (~17 200 yr) groundwater from a semi-confined aquifer and younger groundwater (bank storage, as rapid pressure propagation into the semi-confined aquifer during flooding will minimise bank infiltration. This study illustrates the complex nature of river groundwater interactions and the potential downfall in assuming simple or idealised conditions when conducting hydrogeological studies.

  14. Central bank independence and its effect on money market stability

    OpenAIRE

    MSc. Anera Alishani

    2012-01-01

    Since 1990s many countries have moved toward greater central bank independence (CBI) by either amending their Central Bank’s laws or writing them de novo. Also countries of Western Balkans and many other transition countries have moved toward greater CBI. There are many potential benefits associated with greater CBI, and one of them is stable growth of money and liquidity. For a given level of money market development the hypothesis is that a more independent CB is likely to promote more stab...

  15. Predicting the Rate of River Bank Erosion Caused by Large Wood Log

    Science.gov (United States)

    Zhang, N.; Rutherfurd, I.; Ghisalberti, M.

    2016-12-01

    When a single tree falls into a river channel, flow is deflected and accelerated between the tree roots and the bank face, increasing shear stress and scouring the bank. The scallop shaped erosion increases the diversity of the channel morphology, but also causes concern for adjacent landholders. Concern about increased bank erosion is one of the main reasons for large wood to still be removed from channels in SE Australia. Further, the hydraulic effect of many logs in the channel can reduce overall bank erosion rates. Although both phenomena have been described before, this research develops a hydraulic model that estimates their magnitude, and tests and calibrates this model with flume and field measurements, with logs with various configurations and sizes. Specifically, the model estimates the change in excess shear stress on the bank associated . The model addresses the effect of the log angle, distance from bank, and log size and flow condition by solving the mass continuity and energy conservation between the cross section at the approaching flow and contracted flow. Then, we evaluate our model against flume experiment preformed with semi-realistic log models to represent logs in different sizes and decay stages by comparing the measured and simulated velocity increase in the gap between the log and the bank. The log angle, distance from bank, and flow condition are systemically varied for each log model during the experiment. Final, the calibrated model is compared with the field data collected in anabranching channels of Murray River in SE Australia where there are abundant instream logs and regulated and consistent high flow for irrigation. Preliminary results suggest that a log can significantly increase the shear stress on the bank, especially when it positions perpendicular to the flow. The shear stress increases with the log angle in a rising curve (The log angle is the angle between log trunk and flow direction. 0o means log is parallel to flow with

  16. Phosphorus load to surface water from bank erosion in a Danish lowland river basin.

    Science.gov (United States)

    Kronvang, Brian; Audet, Joachim; Baattrup-Pedersen, Annette; Jensen, Henning S; Larsen, Søren E

    2012-01-01

    Phosphorus loss from bank erosion was studied in the catchment of River Odense, a lowland Danish river basin, with the aim of testing the hypothesis of whether stream banks act as major diffuse phosphorus (P) sources at catchment scale. Furthermore, the study aimed at analyzing the impact of different factors influencing bank erosion and P loss such as stream order, anthropogenic disturbances, width of uncultivated buffer strips, and the vegetation of buffer strips. A random stratified procedure in geographical information system (GIS) was used to select two replicate stream reaches covering different stream orders, channelized vs. naturally meandering channels, width of uncultivated buffer strips (≤ 2 m and ≥ 10 m), and buffer strips with different vegetation types. Thirty-six 100-m stream reaches with 180 bank plots and a total of 3000 erosion pins were established in autumn 2006, and readings were conducted during a 3-yr period (2006-2009). The results show that neither stream size nor stream disturbance measured as channelization of channel or the width of uncultivated buffer strip had any significant ( erosion and P losses during each of the 3 yr studied. In buffer strips with natural trees bank erosion was significantly ( erosion amounted to 13.8 to 16.5 and 2.4 to 6.3 t P, respectively, in the River Odense catchment during the three study years. The net P input from bank erosion equaled 17 to 29% of the annual total P export and 21 to 62% of the annual export of P from diffuse sources from the River Odense catchment. Most of the exported total P was found to be bioavailable (71.7%) based on a P speciation of monthly suspended sediment samples collected at the outlet of the river basin. The results found in this study have a great importance for managers working with P mitigation and modeling at catchment scale. Copyright © by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America, Inc.

  17. Long-term monitoring of stream bank stability under different vegetation cover

    Science.gov (United States)

    Krzeminska, Dominika; Skaalsveen, Kamilla; Kerkhof, Tjibbe

    2017-04-01

    Vegetated buffer zones are common environmental measures in many countries, including Norway. The presence of riparian vegetation on stream banks not only provides ecological benefits but also influence bank slope stability, through several complex interactions between riparian vegetation and hydro - mechanical processes. The hydrological processes associated with slope stability are complex and yet difficult to quantify, especially because their transient effects (e.g. changes throughout the vegetation life cycle). Additionally, there is very limited amount of field scale research focusing on investigation of coupled hydrological and mechanical influence of vegetation on stream bank behavior, accounting for both seasonal time scale and different vegetation type, and none dedicated to marine clay soils (typically soil for Norway). In order to fill this gap we established continues, long term hydrogeological monitoring o selected cross - section within stream bank, covered with different types of vegetation, typical for Norwegian agriculture areas (grass, shrubs, and trees). The monitoring involves methods such as spatial and temporal monitoring of soil moisture conditions, ground water level and fluctuation of water level in the stream. Herein we will present first 10 months of monitoring data: observed hydrological trends and differences between three cross - sections. Moreover, we will present first modelling exercises that aims to estimate stream banks stability with accounting on presence of different vegetation types using BSTEM and HYDRUS models. With this presentation, we would like to stimulate the discussion and get feedback that could help us to improve both, our experimental set up and analysis approach.

  18. Assessment of factors and conditions influencing bank stability of future lakes

    Czech Academy of Sciences Publication Activity Database

    Spanilá, Tamara; Kudrna, Z.; John, V.; Hartvich, Filip; Chour, V.

    2006-01-01

    Roč. 3, č. 4 (2006), s. 67-76 ISSN 1214-9705 R&D Projects: GA AV ČR IAA3046305 Institutional research plan: CEZ:AV0Z30460519 Keywords : flooding of residual mining pits * dangerous geodynamic phenomena * stability of banks and slopes Subject RIV: DB - Geology ; Mineralogy

  19. Banking Models Under the Impact of the Post-Crisis Organizational Changes Apt to Confer Sustainable Financial Stability - Romanian Experience

    Directory of Open Access Journals (Sweden)

    Claudia Gabriela Baicu

    2012-06-01

    Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.

  20. 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.

  1. Banking Consolidation Process and Impact to Financial Stability

    Directory of Open Access Journals (Sweden)

    Lina Novickytė

    2011-03-01

    Full Text Available Globalization promotes financial market participants to seek opportunities for efficient management of available resources and maximize benefits. In recent years, took place in the con­solidation process is mainly due to both macroeconomic and microeconomic factors. Most often leads to consolidation pro­cesses in order to gain economies of scale, market power and X-efficiency. Market consolidation and financial sector stability studies have shown that concentrated financial intermediaries market have a negative impact on the region/country/sector financial stability. In the future countries and regions (EU must find ways and means to smoothly manage the inevitable process of globalization under the supervision of future merger transac­tions in order to guarantee the efficiency and sustainability of the financial sector. Article in Lithuanian

  2. Seed banks as a source of vegetation regeneration to support the recovery of degraded rivers: A comparison of river reaches of varying condition.

    Science.gov (United States)

    O'Donnell, Jessica; Fryirs, Kirstie A; Leishman, Michelle R

    2016-01-15

    Anthropogenic disturbance has contributed to widespread geomorphic adjustment and the degradation of many rivers. This research compares for river reaches of varying condition, the potential for seed banks to support geomorphic river recovery through vegetation regeneration. Seven river reaches in the lower Hunter catchment of south-eastern Australia were assessed as being in poor, moderate, or good condition, based on geomorphic and ecological indicators. Seed bank composition within the channel and floodplain (determined in a seedling emergence study) was compared to standing vegetation. Seed bank potential for supporting geomorphic recovery was assessed by measuring native species richness, and the abundance of different plant growth forms, with consideration of the roles played by different growth forms in geomorphic adjustment. The exotic seed bank was considered a limiting factor for achieving ecological restoration goals, and similarly analysed. Seed bank native species richness was comparable between the reaches, and regardless of condition, early successional and pioneer herbs, sedges, grasses and rushes dominated the seed bank. The capacity for these growth forms to colonise and stabilise non-cohesive sediments and initiate biogeomorphic succession, indicates high potential for the seed banks of even highly degraded reaches to contribute to geomorphic river recovery. However, exotic propagules increasingly dominated the seed banks of moderate and poor condition reaches and reflected increasing encroachment by terrestrial exotic vegetation associated with riparian degradation. As the degree of riparian degradation increases, the resources required to control the regeneration of exotic species will similarly increase, if seed bank-based regeneration is to contribute to both geomorphic and ecological restoration goals. Copyright © 2015 Elsevier B.V. All rights reserved.

  3. The Prognosis of Influence of The Oder River Waters Dammed by Malczyce Barrage on Left Bank Areas

    Directory of Open Access Journals (Sweden)

    Chalfen Mieczysław

    2014-07-01

    Full Text Available The finalisation of the construction of the Malczyce barrage is planned for 2015. Damming of the river will cause a change in the water and ground conditions in the adjoining areas. The paper analyses the influence of the water level in the Oder River dammed by the barrage on groundwater table level in the left bank valley.

  4. Modification of Yellow River Sediment Based Stabilized Earth Bricks

    Directory of Open Access Journals (Sweden)

    Junxia Liu

    2016-12-01

    Full Text Available This paper presents an experimental study on the microstructure and performance of stabilized earth bricks prepared from the Yellow River sediment. The sediment is modified by inorganic cementitious material, polymer bonding agent, and jute fibre. The results show that the sediment is preliminarily consolidated when the mixture ratio of activated sediment/cementitious binder/sand is 65/25/10. Compressive strength and softening coefficient of stabilized earth bricks is further improved by polymer bonding agent and jute fibre. SEM images and EDS spectral analysis indicate that there is indeed synergy among inorganic hydration products, polymer network and jute fibre to strengthen the sediment.

  5. Effects of river ice on bank morphology and riparian vegetation along Peace River, Clayhurst to Fort Vermilion

    International Nuclear Information System (INIS)

    Uunila, L.S.

    1997-01-01

    The effects of river ice and related flooding on the bank morphology and riparian vegetation along 655 km of the Peace River from Clayhurst, British Columbia to Fort Vermilion, Alberta were studied. The river has been regulated for hydroelectric power generation since 1968 and has experienced changes in the hydrologic and ice regimes. The rate of channel adjustments under the new hydrologic regime vary longitudinally, and depend greatly on the succession of riparian vegetation. This study was conducted to determine how much of the variation in both channel adjustment and rate of riparian succession is a result of allogenic effects of ice jams. The direct physical effects of ice and the indirect effects of ice jam flooding on the channel margin were investigated. Long term ice jam severity was found to generally peak well downstream of the principal observation point. The morphology of the channel at the severe ice jam locations fit the classical ice jam criteria of confined tight meanders with several mid-channel islands and shoals. Vegetation damage was the most visible impact to the riparian environment along the Peace River. 27 refs., 1 tab., 8 figs

  6. Surf Zone Hydrodynamics and its Utilization in Biotechnical Stabilization of Water Reservoir Banks

    Directory of Open Access Journals (Sweden)

    Petr Pelikán

    2014-01-01

    Full Text Available The water reservoir banks are eroded mainly by two factors. The first one is wave action (i.e. wave abrasion affecting the bank in direction from the reservoir. The second one is the influence of water flowing downward over the bank surface in direction from land into the reservoir (e.g. rainfall. The determination of regular altitudinal emplacement of proper designed particular biotechnical stabilization elements is the most important factor on which the right functionality of whole construction depends. Surf zone hydrodynamics solves the wave and water level changes inside the region extending from the wave breaking point to the limit of wave up-rush. The paper is focused on the utilization of piece of knowledge from a part of sea coast hydrodynamics and new approach in its application in the conditions of inland water bodies when designing the biotechnical stabilization elements along the shorelines. The “reinforced grass carpets” as a type of biotechnical method of bank stabilization are presented in the paper; whether the growth of grass root system is dependent on presence or absence of geomats in the soil structure and proceeding of their establishment on the shorelines.

  7. DEVELOPING ISLAMIC WAQF BANK AS A MECHANISM FOR FINANCIAL SYSTEM STABILITY

    Directory of Open Access Journals (Sweden)

    Muhammad Ridhwan Ab. Aziz

    2017-09-01

    Full Text Available The establishment of Islamic banking institution all over the world is often related to the proclivity of muslims to live all aspects of their lives in accordance with the teachings of Islam. Islamic bank is one of the components in Islamic financial sector that plays very vital role to generate the growth of economics among muslim society. Indeed, Islamic bank was more robust to the financial crisis compared to the conventional banking institution. Cash waqf is a trust fund established with money to provide services to mankind in the name of Allah. The gifted capital then will be spent for all sorts of pious and social purposes inclusive for the financing and investment objectives. It is recognized that there is limited study in the area of cash waqf especially in the development of Islamic waqf bank (IWB. The main objective of this article is to analyze the possibility and obstacles in developing IWB in the mainstream Islamic financial institutions. The methodo-logy of research in this article is through a qualitative research based on interview with relevant officers in the Islamic banking, waqf, and academic sectors. The general finding in this article shows that IWB can apply cash waqf structure, whereby the cash waqf fund must be converted into fixed assets such as land and buildings. The rental income from the fixed assets and investments then can be channelled to waqf beneficiaries such as funding students’ education, health assistance, giving financing to the entrepreneur, and enhancing muslim economy in various fields. Nevertheless, a proper mechanism of IWB must be developed in order to avoid any obstacles in terms of capital requirement, risky investment, limited number of experts in the field of Islamic bank and waqf as well as legal and regulation requirement. Keywords:   Islamic Waqf Bank, Cash waqf, Islamic finance, Financial system stability JEL Classification: G21, I31, L31

  8. Braid-plain dynamics and bank erosion along the Matanuska River, Alaska

    Science.gov (United States)

    Curran, J. H.

    2009-12-01

    Braid-plain activity and geomorphic features in the Matanuska River in southcentral Alaska between 1949 and 2006 were examined to support a bank erosion hazard assessment. The glacial Matanuska River drains 6,500 km2 and is braided for 85 percent of its 150 km course, which parallels a major highway and flows through the towns of Sutton and Palmer, Alaska. The historical braid plain was defined as the envelope of areas with active channels, unvegetated bars, or vegetated bars with evidence of channels since 1949 and delineated in a GIS from 1949, 1962, and 2006 aerial orthoimagery. We created a strip map of bank height and composition (primarily bedrock and unconsolidated sediment) at braid-plain margins and outlined valley bottom features (terraces and tributary fans) adjacent to the braid plain to assess erodibility. Braid-plain dynamism has created a mosaic of extensive lightly vegetated bars interspersed with forested bars in strips along the banks and in small mid-channel positions. Abandoned channels filled with groundwater or tributary streamflow have created clearwater side channels within these bars that serve as the primary spawning location for chum, sockeye, and coho salmon in the Matanuska River basin. Erosion magnitudes for the periods 1949-1962 and 1962-2006 were computed as braid-plain expansion at transects across the historical braid-plain boundaries. Episodic, spatially distributed erosion and the antiquity of some eroded surfaces suggests that average annual erosion rates at a location are not adequate for assessing future erosion at that location in a braid plain. Lateral expansion caused bank erosion of 100 -275 m at 20 locations over the full period, about half at tributary fans and most occurring in a single time period. Minor growth of tributary fans constricted the braid plain, and emerging terraces have the potential to shrink the braid plain. Eroded banks included undated but pre-historic fluvial terraces and tributary fans. Where

  9. Design principles of water sensitive in settlement area on the river banks

    Science.gov (United States)

    Ryanti, E.; Hasriyanti, N.; Utami, W. D.

    2018-03-01

    This research will formulate the principle of designing settlement area of Kapuas River Pontianak with the approach of water sensitive concept of urban design (WSUD) the densely populated settlement area. By using a case study the approach that is a dense settlement area located on the banks of the river with literature study techniques to formulate the aspects considered and components that are set in the design, descriptive analysis with the rationalistic paradigm for identification characteristics of the settlement in the river banks areas with consideration of WSUD elements and formulate the principles of designing water-sensitive settlement areas. This research is important to do because the problems related to the water management system in the existing riverside settlement in Pontianak has not been maximal to do. So the primary of this research contains several objectives that will be achieved that is identifying the characteristics of riverside settlement area based on consideration of design aspects of the area that are sensitive to water and the principle of designing the area so that the existing problem structure will be formulated in relation to the community’s need for infrastructure in settlement environment and formulate and develop appropriate technology guidelines for integrated water management systems in riverside settlement areas and design techniques for water-sensitive settlements (WSUD).

  10. Stability of River Bifurcations from Bedload to Suspended Load Dominated Conditions

    Science.gov (United States)

    de Haas, T.; Kleinhans, M. G.

    2010-12-01

    Bifurcations (also called diffluences) are as common as confluences in braided and anabranched rivers, and more common than confluences on alluvial fans and deltas where the network is essentially distributary. River bifurcations control the partitioning of both water and sediment through these systems with consequences for immediate river and coastal management and long-term evolution. Their stability is poorly understood and seems to differ between braided rivers, meandering river plains and deltas. In particular, it is the question to what extent the division of flow is asymmetrical in stable condition, where highly asymmetrical refers to channel closure and avulsion. Recent work showed that bifurcations in gravel bed braided rivers become more symmetrical with increasing sediment mobility, whereas bifurcations in a lowland sand delta become more asymmetrical with increasing sediment mobility. This difference is not understood and our objective is to resolve this issue. We use a one-dimensional network model with Y-shaped bifurcations to explore the parameter space from low to high sediment mobility. The model solves gradually varied flow, bedload transport and morphological change in a straightforward manner. Sediment is divided at the bifurcation including the transverse slope effect and the spiral flow effect caused by bends at the bifurcation. Width is evolved whilst conserving mass of eroded or built banks with the bed balance. The bifurcations are perturbed from perfect symmetry either by a subtle gradient advantage for one branch or a gentle bend at the bifurcation. Sediment transport was calculated with and without a critical threshold for sediment motion. Sediment mobility, determined in the upstream channel, was varied in three different ways to isolate the causal factor: by increasing discharge, increasing channel gradient and decreasing particle size. In reality the sediment mobility is mostly determined by particle size: gravel bed rivers are near

  11. Decoding the drivers of bank erosion on the Mekong river: The roles of the Asian monsoon, tropical storms, and snowmelt.

    Science.gov (United States)

    Darby, Stephen E; Leyland, Julian; Kummu, Matti; Räsänen, Timo A; Lauri, Hannu

    2013-04-01

    We evaluate links between climate and simulated river bank erosion for one of the world's largest rivers, the Mekong. We employ a process-based model to reconstruct multidecadal time series of bank erosion at study sites within the Mekong's two main hydrological response zones, defining a new parameter, accumulated excess runoff (AER), pertinent to bank erosion. We employ a hydrological model to isolate how snowmelt, tropical storms and monsoon precipitation each contribute to AER and thus modeled bank erosion. Our results show that melt (23.9% at the upstream study site, declining to 11.1% downstream) and tropical cyclones (17.5% and 26.4% at the upstream and downstream sites, respectively) both force significant fractions of bank erosion on the Mekong. We also show (i) small, but significant, declines in AER and hence assumed bank erosion during the 20th century, and; (ii) that significant correlations exist between AER and the Indian Ocean Dipole (IOD) and El Niño Southern Oscillation (ENSO). Of these modes of climate variability, we find that IOD events exert a greater control on simulated bank erosion than ENSO events; but the influences of both ENSO and IOD when averaged over several decades are found to be relatively weak. However, importantly, relationships between ENSO, IOD, and AER and hence inferred river bank erosion are not time invariant. Specifically, we show that there is an intense and prolonged epoch of strong coherence between ENSO and AER from the early 1980s to present, such that in recent decades derived Mekong River bank erosion has been more strongly affected by ENSO.

  12. Precursors Of Emotional Stability, Stress, And Work-Family Conflict Among Female Bank Employees

    OpenAIRE

    Clifford Kendrick Hlatywayo; Tawanda Zingwe; Tatenda Shaleen Mhlanga; Bukhosi Dumoluhle Mpofu

    2014-01-01

    Women exposure to quality education and equity legislation has accelerated their participation in the workplace. The study investigated the relationship between emotional stability, stress, and work-family conflict among female bank employees in the border region of the Eastern Cape, South Africa. Findings highlighted significant positive relationships between work-family conflict, stress, and neuroticism. The findings support most relationships found in literature. Correlations were also fou...

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

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2016-09-01

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

  14. [Pollution and Potential Ecology Risk Evaluation of Heavy Metals in River Water, Top Sediments on Bed and Soils Along Banks of Bortala River, Northwest China].

    Science.gov (United States)

    Zhang, Zhao-yong; Abuduwaili, Jilili; Jiang, Feng-qing

    2015-07-01

    This paper focuses on the sources, pollution status and potential ecology risks of heavy metals (Cr, Cu, Hg, As, Cd, Pb, and Zn) in the surface water, top sediment of river bed and soil along banks of Bortala River, which locates in the oasis region of Xinjiang, northwest China. Results showed that: (1) As a whole, contents of 7 tested heavy metals of Bortala River were low, while the maximum values of Hg, Cd, Pb, and Cr in the river water were significantly higher than those of Secondary Category of the Surface Water Quality Standards of People's Republic of China (GB 3838-2002) and Drinking Water Guideline from WHO. Analysis showed that the heavy metals contents of top sediment on river bed and soils along river banks were significantly higher than those of the river water. (Correlation analysis and enrichment factor (EF) calculation showed that in the river water, top sediment on river bed and soils along river banks, Hg, Cd, Pb, and Cr mainly originated from industrial emissions, urban and rural anthropogenic activities, transportation and agricultural production activities; While Cu, Zn, and As mainly originated from natural geological background and soil parent materials. (3) Pollution assessment showed that in three matrices, the single factor pollution index(Pi) and the integrated pollution index (Pz) of 7 heavy metals were all lower than 1, and they all belonged to safe and clean levels. (4) Potential ecology risk evaluation showed that as a whole the single factor potential ecological risk (Eir) and the integrated potential ecology risks (RI) of 7 heavy metals were relatively low, and would not cause threats to the health of water and soil environment of river basin, while the potential ecology risks of Cd, Hg, Pb, and Cr were significantly higher than those of other heavy metals.

  15. Flow and Residence Times of Dynamic River Bank Storage and Sinuosity-Driven Hyporheic Exchange

    Science.gov (United States)

    Gomez-Velez, J. D.; Wilson, J. L.; Cardenas, M. B.; Harvey, J. W.

    2017-10-01

    Hydrologic exchange fluxes (HEFs) vary significantly along river corridors due to spatiotemporal changes in discharge and geomorphology. This variability results in the emergence of biogeochemical hot-spots and hot-moments that ultimately control solute and energy transport and ecosystem services from the local to the watershed scales. In this work, we use a reduced-order model to gain mechanistic understanding of river bank storage and sinuosity-driven hyporheic exchange induced by transient river discharge. This is the first time that a systematic analysis of both processes is presented and serves as an initial step to propose parsimonious, physics-based models for better predictions of water quality at the large watershed scale. The effects of channel sinuosity, alluvial valley slope, hydraulic conductivity, and river stage forcing intensity and duration are encapsulated in dimensionless variables that can be easily estimated or constrained. We find that the importance of perturbations in the hyporheic zone's flux, residence times, and geometry is mainly explained by two-dimensionless variables representing the ratio of the hydraulic time constant of the aquifer and the duration of the event (Γd) and the importance of the ambient groundwater flow (Δh∗). Our model additionally shows that even systems with small sensitivity, resulting in small changes in the hyporheic zone extent, are characterized by highly variable exchange fluxes and residence times. These findings highlight the importance of including dynamic changes in hyporheic zones for typical HEF models such as the transient storage model.

  16. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

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

  17. Do invasive alien plants really threaten river bank vegetation? A case study based on plant communities typical for Chenopodium ficifolium—An indicator of large river valleys

    Science.gov (United States)

    Nowak, Arkadiusz; Rola, Kaja

    2018-01-01

    Riparian zones are very rich in species but subjected to strong anthropogenic changes and extremely prone to alien plant invasions, which are considered to be a serious threat to biodiversity. Our aim was to determine the spatial distribution of Chenopodium ficifolium, a species demonstrating strong confinement to large river valleys in Central Europe and an indicator of annual pioneer nitrophilous vegetation developing on river banks, which are considered to be of importance to the European Community. Additionally, the habitat preferences of the species were analysed. Differences in the richness and abundance of species diagnostic for riverside habitats, as well as the contribution of resident and invasive alien species in vegetation plots along three rivers differing in terms of size and anthropogenic impact were also examined. Finally, the effect of invaders on the phytocoenoses typical for C. ficifolium was assessed. The frequency of C. ficifolium clearly decreased with an increasing distance from the river. Among natural habitats, the species mostly preferred the banks of large rivers. The vegetation plots developing on the banks of the three studied rivers differed in total species richness, the number and cover of resident, diagnostic and invasive alien species, as well as in species composition. Our research indicates that abiotic and anthropogenic factors are the most significant drivers of species richness and plant cover of riverbank vegetation, and invasive alien plants affect this type of vegetation to a small extent. PMID:29543919

  18. Do invasive alien plants really threaten river bank vegetation? A case study based on plant communities typical for Chenopodium ficifolium-An indicator of large river valleys.

    Science.gov (United States)

    Nobis, Agnieszka; Nowak, Arkadiusz; Rola, Kaja

    2018-01-01

    Riparian zones are very rich in species but subjected to strong anthropogenic changes and extremely prone to alien plant invasions, which are considered to be a serious threat to biodiversity. Our aim was to determine the spatial distribution of Chenopodium ficifolium, a species demonstrating strong confinement to large river valleys in Central Europe and an indicator of annual pioneer nitrophilous vegetation developing on river banks, which are considered to be of importance to the European Community. Additionally, the habitat preferences of the species were analysed. Differences in the richness and abundance of species diagnostic for riverside habitats, as well as the contribution of resident and invasive alien species in vegetation plots along three rivers differing in terms of size and anthropogenic impact were also examined. Finally, the effect of invaders on the phytocoenoses typical for C. ficifolium was assessed. The frequency of C. ficifolium clearly decreased with an increasing distance from the river. Among natural habitats, the species mostly preferred the banks of large rivers. The vegetation plots developing on the banks of the three studied rivers differed in total species richness, the number and cover of resident, diagnostic and invasive alien species, as well as in species composition. Our research indicates that abiotic and anthropogenic factors are the most significant drivers of species richness and plant cover of riverbank vegetation, and invasive alien plants affect this type of vegetation to a small extent.

  19. Long-term stability analysis of the left bank abutment slope at Jinping I hydropower station

    Directory of Open Access Journals (Sweden)

    Long Zhang

    2016-06-01

    Full Text Available The time-dependent behavior of the left bank abutment slope at Jinping I hydropower station has a major influence on the normal operation and long-term safety of the hydropower station. To solve this problem, a geomechanical model containing various faults and weak structural planes is established, and numerical simulation is conducted under normal water load condition using FLAC3D, incorporating creep model proposed based on thermodynamics with internal state variables theory. The creep deformations of the left bank abutment slope are obtained, and the changes of principal stresses and deformations of the dam body are analyzed. The long-term stability of the left bank abutment slope is evaluated according to the integral curves of energy dissipation rate in domain and its derivative with respect to time, and the non-equilibrium evolution rules and the characteristic time can also be determined using these curves. Numerical results show that the left bank abutment slope tends to be stable in a global sense, and the stress concentration is released. It is also indicated that more attention should be paid to some weak regions within the slope in the long-term deformation process.

  20. Technical memorandum for the 100-N Area ITRD bank stability evaluation

    International Nuclear Information System (INIS)

    Parnell, S.E.

    2000-01-01

    This technical memorandum contains an evaluation of potential effects of the Columbia River flow velocities and associated water elevations on riverbank stability under current conditions. This evaluation includes a review of erosion potential, current site conditions, and anticipated river elevations for 10-year, 20-year, 100-year, and 500-year flood events. Information obtained after an uncontrolled, that is, a pre-dam storm that occurred in 1896 is also included. The estimated flow for the 1896 flood was considerably larger than for a 500-year flood event

  1. Technical Memorandum for the 100-N Area ITRD Bank Stability Evaluation

    International Nuclear Information System (INIS)

    S. E. Parnell

    2000-01-01

    This technical memorandum contains an evaluation of potential effects of the Columbia River flow velocities and associated water elevations on riverbank stability under current conditions. This evaluation includes a review of erosion potential, current site conditions, and anticipated river elevations for 10-year, 20-year, 100-year, and 500-year flood events. Information obtained after an uncontrolled i.e., pre-dam storm that occurred in 1896 is also included. The estimated flow for the 1896 flood was considerably larger than for a 500-year flood event

  2. Impact of credit information on the banks stability: Global experience and lessons for Ukraine

    Directory of Open Access Journals (Sweden)

    Inna Bielova

    2016-05-01

    Full Text Available A quality of the credit portfolio is one of the most important factors of banking system reliability. It is obviously, that there is a direct relationship between this indicator and financial stability of the bank. In turn, the quality of the loan portfolio depends on many factors that are investigated in scientific and educational literature. In this paper, we propose to focus on a group of factors of credit risk that are connected with the availability of information about the borrower. The low efficiency of the national system of collecting information about borrowers in Ukraine in comparison with foreign models was confirmed by the quantitative analysis. This tendency cases the high level of credit risks and low financial stability level of domestic banks. It is necessary to make active efforts on improving the effectiveness of credit bureaus in Ukraine by establishing public credit registry and also to focus on solving other problems associated with the collection and use of information about borrowers

  3. Influence of riparian vegetation on near-bank flow structure and erosion rates on a large meandering river

    Science.gov (United States)

    Konsoer, K. M.; Rhoads, B. L.; Langendoen, E. J.; Johnson, K.; Ursic, M.

    2012-12-01

    Rates of meander migration are dependent upon dynamic interactions between planform geometry, three-dimensional flow structure, sediment transport, and the erodibility and geotechnical properties of the channel banks and floodplains. Riparian vegetation can greatly reduce the rate of migration through root-reinforcement and increased flow resistance near the bank. In particular, forested riverbanks can also provide large woody debris (LWD) to the channel, and if located near the outer bank, can act to amour the bank by disrupting three-dimensional flow patterns and redirecting flow away from the bank-toe, the locus of erosion in meandering rivers. In this paper, three-dimensional flow patterns and migration rates are compared for two meander bends, one forested and one non-forested, on the Wabash River, near Grayville, Illinois. Flow data were obtained using acoustic Doppler current profilers (ADCP) for two large flow events in May and June 2011. LWD was mapped using a terrestrial LiDAR survey, and residence times for the LWD were estimated by comparing the survey data to time-series aerial photography. Rates of migration and planform evolution were determined through time-series analysis of aerial photography from 1938-2011. Results from this study show that near-bank LWD can have a significant influence on flow patterns through a meander bend and can disrupt helical flow near the outer bank, thereby reducing the effect of the high velocity core on the toe of the bank. Additionally, these effects influence migration rates and the planform evolution of meandering rivers.

  4. Micrandra inundata (Euphorbiaceae), a new species with unusual wood anatomy from black-water river banks in southern Venezuela

    Science.gov (United States)

    Paul E. Berry; Alex C. Wiedenhoeft

    2004-01-01

    Micrandra inundata is a distinctive new species adapted to seasonally flooded black-water river banks in southern Venezuela. Trees rarely exceed 10 m in height but have thick basal trunks composed of very lightweight wood. It has the smallest leaves and fruits of any known Micrandra species and appears to be most closely related to M. minor Benth. The botanical...

  5. Environmental Risk of Metal Mining Contaminated River Bank Sediment at Redox-Transitional Zones

    Directory of Open Access Journals (Sweden)

    Sarah F. L. Lynch

    2014-01-01

    Full Text Available Diffuse metal pollution from mining impacted sediment is widely recognised as a potential source of contamination to river systems and may significantly hinder the achievement of European Union Water Framework Directive objectives. Redox-transitional zones that form along metal contaminated river banks as a result of flood and drought cycles could cause biogeochemical changes that alter the behaviour of polyvalent metals iron and manganese and anions such as sulphur. Trace metals are often partitioned with iron, manganese and sulphur minerals in mining-contaminated sediment, therefore the dissolution and precipitation of these minerals may influence the mobility of potentially toxic trace metals. Research indicates that freshly precipitated metal oxides and sulphides may be more “reactive” (more adsorbent and prone to dissolution when conditions change than older crystalline forms. Fluctuations at the oxic-anoxic interface brought about through changes in the frequency and duration of flood and drought episodes may therefore influence the reactivity of secondary minerals that form in the sediment and the flux of dissolved trace metal release. UK climate change models predict longer dry periods for some regions, interspersed with higher magnitude flood events. If we are to fully comprehend the future environmental risk these climate change events pose to mining impacted river systems it is recommended that research efforts focus on identifying the primary controls on trace metal release at the oxic-anoxic interface for flood and drought cycles of different duration and frequency. This paper critically reviews the literature regarding biogeochemical processes that occur at different temporal scales during oxic, reducing and dry periods and focuses on how iron and sulphur based minerals may alter in form and reactivity and influence the mobility of trace metal contaminants. It is clear that changes in redox potential can alter the composition

  6. Land use changes caused by bank erosion along the lower part of the Bosna river from 2001 to 2013

    Directory of Open Access Journals (Sweden)

    Tošić Radislav

    2014-01-01

    Full Text Available The river channel dynamics are result of the complex interaction between natural and human impact. In the presented study, we assessed spatial and temporal dynamics of Bosna river channel migration during 2001-2013 period using orthophoto images and GIS. We have identified that the total area of bank erosion during given period equaled 2.8695 km2, of which 1.2178 km2 were on the left bank and 1.6516 km2 on the right bank. The total area of bank accretion from 2001 to 2013 equaled 2.6841 km2, of which 1.2864 km2 was on the left bank and 1.3977 km2 on the right bank. The Bosna riverbed average movement in the period 2001-2013 was established in the amount of 60.7 m. During this period, the average lateral channel migration was 5.05 m per year. Lateral migration of the Bosna River has caused serious problems: disappearance of arable land, forests, pastures and meadows, economic loss due to the reduction of agricultural. Using statistical analysis of a land use structure changes along the lower part of Bosna River, we obtained the results which show significant lost in arable land. According to results, 42.3 ha of arable land, 171.9 ha forests and 31.8 ha pastures and meadows were lost during 2001-2013 period. The data presented here are significant for practical issues such as predicting channel migration rates for engineering and planning purposes, soil and water management. [Projekat Ministarstva nauke Republike Srbije, br. 43007: The Research on Climate Change Influences on Environment: Influence Monitoring, Adaptation and Mitigation, subproject No. 9: Torrential Floods Frequency, Soil and Water Degradation as the Consequence of Global Changes

  7. Explanatory Factors of the Expansion of Recreation Function on the Bank of Danube River in Budapest

    Directory of Open Access Journals (Sweden)

    Pál Szabó

    2015-10-01

    Full Text Available In a city's development a river and riverbank played important role, however in recent decades the functions of them have changed, transformed, especially in major cities in the more developed countries, so the city administration was faced with a new phenomenon and geographical space: the changing riverbanks, and the utilization, development, revitalization of them has become a key issue. The various real processes showed the direction that these areas should be provided to the people, and the recreation service will be important for the local residents and tourists. Overall, the urban waterfront development is an increasingly important researched topic and policy. The question is: can we realize it in Budapest also nowadays? In recent years, those processes took place in Budapest, which resulted in an increasing utilization of the Danube and its banks for recreational functions. On the one hand, local social and economic processes have led to the waterfront sites released, on the other hand the needs of the residential population and tourists using the river and the riverside for recreational purposes have increased, and thirdly, the new city administration decided to renew the banks of the Danube, mainly to create new recreational areas. In this paper, we analyze these three factors, focusing on a past short period, because there is an exceptional cohesion between the processes, the needs and the new development goals. Two case studies are in the paper also: the Margaret Island as the oldest traditional recreational area in Budapest, and the Kopaszi-dam, as the newest and successful recreational area of Budapest. The analysis of the processes is based on data and literature, the analysis of the needs is based on a survey, and the analysis of the goals is based on the different development documents.

  8. Modelling tools for managing Induced RiverBank Filtration MAR schemes

    Science.gov (United States)

    De Filippis, Giovanna; Barbagli, Alessio; Marchina, Chiara; Borsi, Iacopo; Mazzanti, Giorgio; Nardi, Marco; Vienken, Thomas; Bonari, Enrico; Rossetto, Rudy

    2017-04-01

    Induced RiverBank Filtration (IRBF) is a widely used technique in Managed Aquifer Recharge (MAR) schemes, when aquifers are hydraulically connected with surface water bodies, with proven positive effects on quality and quantity of groundwater. IRBF allows abstraction of a large volume of water, avoiding large decrease in groundwater heads. Moreover, thanks to the filtration process through the soil, the concentration of chemical species in surface water can be reduced, thus becoming an excellent resource for the production of drinking water. Within the FP7 MARSOL project (demonstrating Managed Aquifer Recharge as a SOLution to water scarcity and drought; http://www.marsol.eu/), the Sant'Alessio IRBF (Lucca, Italy) was used to demonstrate the feasibility and technical and economic benefits of managing IRBF schemes (Rossetto et al., 2015a). The Sant'Alessio IRBF along the Serchio river allows to abstract an overall amount of about 0.5 m3/s providing drinking water for 300000 people of the coastal Tuscany (mainly to the town of Lucca, Pisa and Livorno). The supplied water is made available by enhancing river bank infiltration into a high yield (10-2 m2/s transmissivity) sandy-gravelly aquifer by rising the river head and using ten vertical wells along the river embankment. A Decision Support System, consisting in connected measurements from an advanced monitoring network and modelling tools was set up to manage the IRBF. The modelling system is based on spatially distributed and physically based coupled ground-/surface-water flow and solute transport models integrated in the FREEWAT platform (developed within the H2020 FREEWAT project - FREE and Open Source Software Tools for WATer Resource Management; Rossetto et al., 2015b), an open source and public domain GIS-integrated modelling environment for the simulation of the hydrological cycle. The platform aims at improving water resource management by simplifying the application of EU water-related Directives and at

  9. Effects of Economic Liberalization on the Flow of Commercial Banks Credit to Farmers in Rivers State, Nigeria

    Directory of Open Access Journals (Sweden)

    Allison-Oguru, EA.

    2000-01-01

    Full Text Available This study focuses on assessment of the effect of government's economic liberalization policy on the flow of commercial banks credit to farmers in Rivers State. The empirical analyses are based on information obtained from a sample of 25 out of the over 30 commercial banks operating in the State. Results from the analyses indicate that despite the deregulation of interest rates associated with economic liberalization, commercial banks in the State are unable to meet one-half of the loan requests of farmers. The flow of loanable funds can therefore not be said to have been enhanced by interest rates deregulation. It is argued that simply re-moving restrictions on interest rates is not a sufficient condition for enhanced flow of commercial bank credit to farmers in the State. Such a policy must be complemented with programmes of sharing initial risks and administrative costs between government and the private sector.

  10. Slope and bank erosional stability of the Canonsburg, Pennsylvania, UMTRA disposal site

    International Nuclear Information System (INIS)

    1994-12-01

    This report was prepared in response to US Nuclear Regulatory Commission (NRC) comments received in a letter of 8 March 1994. This letter included discussions of the US Department of Energy (DOE) 21 May 1993 geomorphic report for the Canonsburg, Pennsylvania, site. To clarify the NRC's position, a DOE/NRC conference call was held on 12 April 1994. The NRC clarified that it did not require a preliminary erosion protection design for the Canonsburg site, but directed the DOE to address a ''one-bad-year'' scenario. The NRC wants confirmation that one bad year of stream flooding and landsliding will not release residual radioactive material (RRM) from the Canonsburg site into the creek. The NRC is concerned that a bad year theoretically could occur between postcell-closure inspections. These annual inspections are conducted in September or October. The NRC suggested that the following procedures should be conducted in this analysis: a flooding analysis, including the maximum saturation levels (flood water elevations) anticipated during a 100-year flood; a stream bank erosion analysis to determine how much of the bank adjacent to the site may be removed in a bad year; a slope stability analysis to determine how far back the site would be disturbed by slope instability that could be triggered by a bad year of stream bank erosion; and a ''critical cross section'' study to show the relationship of the RRM located outside the disposal cell to the maximum computer estimated erosion/landslide activity

  11. Management of Risks to Financial Stability from the Perspective of a Central Bank

    Directory of Open Access Journals (Sweden)

    Gabriela Lățea

    2016-11-01

    Full Text Available This article investigates the main issues pertaining to a central bank’s concerns relative to financial stability, as seen from the perspective of risks, sources and key ways of action. At macroeconomic level, central banks need to identify and monitor the risk that market operators face payment default towards local entities (companies, households, government and/or foreign creditors. Moreover, central banks entrusted with supervisory and licensing tasks are also carefully examining the various risks threatening banks, be they credit risk, liquidity risk, market risk, or risks associated with exposure concentration and distribution. On financial markets, prices, profit margins, interest rates, net exposure to certain financial instruments must be monitored to be able to identify build - ups of risks, stress and significant drawbacks to its adequate functioning. Adding to these is the Contingent Claims Analysis (CCA1, which involves oversight and assessment of risks in various sectors as well as of the needs to counter them, by drawing on the real market data to identify the probability of default in one sector or another and the impact on other sectors in an integrated manner.

  12. NATURAL RADIOACTIVITY IN SEDIMENTS AND RIVER BANK SOIL OF KALLADA RIVER OF KERALA, SOUTH INDIA AND ASSOCIATED RADIOLOGICAL RISK.

    Science.gov (United States)

    Venunathan, N; Kaliprasad, C S; Narayana, Y

    2016-10-01

    The paper presents the activity concentrations of 232 Th, 226 Ra and 40 K in the sediments and river bank soil samples collected from the Kallada river environs of coastal Kerala. The radiological risks associated with these radionuclides were calculated. The samples were processed following standard procedure, and activity was counted using a high-efficiency 5″ × 5″ NaI (Tl) detector coupled to GSPEC gamma spectroscopy system. The mean values of measured activities of 232 Th, 226 Ra and 40 K in soil samples were found to be 98.1 ± 0.4, 60.3 ± 1.1 and 343.4 ± 1.8 Bq kg -1 , respectively, which results in an average absorbed dose rate of 103 nGy h -1 The corresponding values for sediment samples were found to be 88.0 ± 0.4, 48.6 ± 0.9 and 423.2 ± 2.0 Bq kg -1 , respectively, with a resulting absorbed dose rate of 95 nGy h -1 Radium equivalent activity, annual effective dose equivalent, the external and internal hazard indices were determined and compared with recommended limits. The results of the work provide background data on natural radioactive isotopes, which are useful in the assessment of human radiation exposure from natural environment. The accumulation of information on natural radiation is of great value for radiation protection. © The Author 2016. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

  13. Determination of {sup 222}Rn in groundwater - Recent applications for the investigation of river bank infiltration

    Energy Technology Data Exchange (ETDEWEB)

    Freyer, K.; Treutler, H.C. [Leipzig-Halle Ltd, Permoserstr, Leipzig (Germany). Centre for Environmental Research; Dehnert, J.; Nestler, W. [Hochschule fuer Technik und Wirtschaft Dresrden, Dresden (Germany)

    1997-10-01

    With a half life of 3.8 days, the {sup 222}Rn found in all groundwater makes an excellent tracer for solving several problems in the field of environmental research and hydrology. In Germany alluvial aquifers connected to rivers are used for drinking water extraction. Consequently importance is attached to studying the exchange processes between surface water and groundwater in order to determine infiltration velocities and infiltrate retention times in the aquifer. However, such investigations require a reliable, reproducible method for determining radon activity concentrations in groundwater samples, as well as a suitable sampling technique. This paper reports on just such a method, containing detailed instructions for sampling, transportation and activity determination using liquid scintillation spectrometry following toluene extraction. Spectral analysis and {alpha}/{beta} separation improve the accuracy of measurement. The detection limit is about 0.05 Bq/1; the total error is <{+-}10%. Infiltration processes are studied with {sup 222}Rn by employing the effect that surface water infiltrating an aquifer absorbs {sup 222}Rn along the infiltration pathway. As the degree of uptake is a function of the retention time, flow paths and flow velocities can all be determined by measuring the radon activity concentrations at the various groundwater gauging stations along measuring profiles. Corresponding investigations were carried out into a pleistocene aquifer below the River Elbe near a waterworks extracting bank-filtered water. The findings are presented and the technique`s possibilities and limitations are discussed 12 refs., 3 figs.

  14. Determination of 222Rn in groundwater - Recent applications for the investigation of river bank infiltration

    International Nuclear Information System (INIS)

    Freyer, K.; Treutler, H.C.

    1997-01-01

    With a half life of 3.8 days, the 222 Rn found in all groundwater makes an excellent tracer for solving several problems in the field of environmental research and hydrology. In Germany alluvial aquifers connected to rivers are used for drinking water extraction. Consequently importance is attached to studying the exchange processes between surface water and groundwater in order to determine infiltration velocities and infiltrate retention times in the aquifer. However, such investigations require a reliable, reproducible method for determining radon activity concentrations in groundwater samples, as well as a suitable sampling technique. This paper reports on just such a method, containing detailed instructions for sampling, transportation and activity determination using liquid scintillation spectrometry following toluene extraction. Spectral analysis and α/β separation improve the accuracy of measurement. The detection limit is about 0.05 Bq/1; the total error is 222 Rn by employing the effect that surface water infiltrating an aquifer absorbs 222 Rn along the infiltration pathway. As the degree of uptake is a function of the retention time, flow paths and flow velocities can all be determined by measuring the radon activity concentrations at the various groundwater gauging stations along measuring profiles. Corresponding investigations were carried out into a pleistocene aquifer below the River Elbe near a waterworks extracting bank-filtered water. The findings are presented and the technique's possibilities and limitations are discussed

  15. Natural radioactivity in sediments and river bank soil of Kallada river of Kerala, South India and associated radiological risk

    International Nuclear Information System (INIS)

    Venunathan, N.; Kaliprasad, C.S.; Narayana, Y.

    2015-01-01

    The paper presents the activity concentrations of 232 Th, 226 Ra and 40 K in the sediments and river bank soil samples collected from the Kallada river environs of coastal Kerala. The radiological risks associated with these radionuclides were calculated. The samples were processed following standard procedure and activity were counted using a high efficiency 5 inch x 5 inch NaI(Tl) detector coupled to GSPEC gamma spectroscopy system. The mean values of measured activities of 232 Th, 226 Ra and 40 K in soil samples were found to be 98.1±04, 60.3±1.1 and 343.4 ± 1.8 Bq.kg -1 respectively, which results in an average absorbed dose rate of 103 nGyh -1 . The corresponding values for sediment samples were found to be 88.0±04, 48.6±0.9 and 423.2±2.03 Bq.kg -1 respectively, with a resulting absorbed dose rate of 95 nGyh -1 . The mean value of radium equivalent activity in soil and sediments were found to be 227.1 Bq.kg -1 and 207.1 Bq.kg -1 respectively, which are within the recommended limit. External and internal hazard indices were also calculated and were found to be 0.61 and 0.78 respectively for soil, and 0.56 and 0.69 respectively for sediments. The Annual Effective Dose equivalents from the soil and sediment matrices in the Kallada river environment were estimated to be 0.13 mSv y -1 and 0.12 mSv y -1 respectively. The measured radioactivity, hazard indices and effective dose received by population were found to be within the recommended limits. The results of the work provide background data on natural radioactive isotopes which are useful in the assessment of human radiation exposure from natural environment. The accumulation of information on natural radiation is of great value for radiation protection. (author)

  16. Channel Planform Dynamics Monitoring and Channel Stability Assessment in Two Sediment-Rich Rivers in Taiwan

    Directory of Open Access Journals (Sweden)

    Cheng-Wei Kuo

    2017-01-01

    Full Text Available Recurrent flood events induced by typhoons are powerful agents to modify channel morphology in Taiwan’s rivers. Frequent channel migrations reflect highly sensitive valley floors and increase the risk to infrastructure and residents along rivers. Therefore, monitoring channel planforms is essential for analyzing channel stability as well as improving river management. This study analyzed annual channel changes along two sediment-rich rivers, the Zhuoshui River and the Gaoping River, from 2008 to 2015 based on satellite images of FORMOSAT-2. Channel areas were digitized from mid-catchment to river mouth (~90 km. Channel stability for reaches was assessed through analyzing the changes of river indices including braid index, active channel width, and channel activity. In general, the valley width plays a key role in braided degree, active channel width, and channel activity. These indices increase as the valley width expands whereas the braid index decreases slightly close to the river mouth due to the change of river types. This downstream pattern in the Zhuoshui River was interrupted by hydraulic construction which resulted in limited changes downstream from the weir, due to the lack of water and sediment supply. A 200-year flood, Typhoon Morakot in 2009, induced significant changes in the two rivers. The highly active landscape in Taiwan results in very sensitive channels compared to other regions. An integrated Sensitivity Index was proposed for identifying unstable reaches, which could be a useful reference for river authorities when making priorities in river regulation strategy. This study shows that satellite image monitoring coupled with river indices analysis could be an effective tool to evaluate spatial and temporal changes in channel stability in highly dynamic river systems.

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

    Directory of Open Access Journals (Sweden)

    Mažylis Liudas

    2014-12-01

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

  18. The contribution of riparian vegetation to the stability of agricultural channels banks in the Lombardy plane

    Science.gov (United States)

    Spelta, E.; Chiaradia, E. A.; Bischetti, G. B.

    2009-04-01

    Vegetation is well-known to affect the stability of slopes and banks in several ways, influencing both the water content and the mechanical properties of the soil. From the mechanical point of view, in particular, vegetation acts by means of the root system, which reinforces the soil. Three reinforcement mechanisms are generally recognised to prevent mass movements: the first is due to soil-roots interaction, which allows the mobilisation of the root tensile strength and increases the compound matrix (soil-fibre) strength, the second is due to great size roots intersecting the shear surface, which act as individual anchors, the third is due to the whole root system which exerts buttressing and arching actions. All these effects can be quantified via modelling if appropriate parameters are provided. Due to the scarcity of data, however, only the fibre reinforcement mechanism is generally considered and it is quantified in terms of additional root cohesion, which can be easily incorporated into stability models. Root cohesion values can be estimated by means of direct shear tests (in situ or in laboratory), by means of back analysis of collapsed slopes and by means of modelling. Direct shear tests and back analysis, however, due to site-specific development of root systems (which leads to a dramatic space variability of root density and size), provide results that are valid only for the specific (or highly similar) conditions that occur in the location where the investigations are carried out. Reinforcement modelling, on the contrary, represents a more general way of estimating root cohesion along the soil profile. The scheme commonly adopted in modelling is the Wu (1976) and Waldron (1977) approach (W&W model), which estimates root cohesion values basing on root tensile strength and root density (in terms of Root Area Ratio). Despite its simplicity and some questions about the hypotheses involved in, it still represents the benchmark. To overcome some of such

  19. Tanana River Monitoring and Research Program: Relationships Among Bank Recession, Vegetation, Soils, Sediments and Permafrost on the Tanana River Near Fairbanks, Alaska.

    Science.gov (United States)

    1984-07-01

    influencing bank erosion along the Tanana River. Soils The regional soil association along both reaches is loamy, consisting of nearly level histic pergelic ...conspicuous. Most areas of this association are flooded occasionally. The histic pergelic cryaquepts occur in poorly drained, low areas such as meander...great depth; usually occupy natural levees. 6Histic pergelic cryaquepts: soils with texture ranging from gravelly sand to clay, color from gray to

  20. A GIS based study on bank erosion by the river Brahmaputra around Kaziranga National Park, Assam, India

    Science.gov (United States)

    Sarma, J. N.; Acharjee, S.

    2012-09-01

    The Kaziranga National Park is a forest-edged riverine grassland inhabited by the world's largest population of one-horned rhinoceroses, as well as a wide diversity of animals. The park is situated on the southern bank of the Brahmaputra River at the foot of the Mikir Hills. National Highway 37 forms the southern boundary and the northern boundary is the river Brahmaputra and covers an area of about 430 km2. The Brahmaputra River flows by Kaziranga National Park in a braided course for about 53 km. Sequential changes in the position of banklines of the river due to consistent bank erosion have been studied from Survey of India topographic maps of 1912-1916 and 1972, satellite IRS LISS III images from 1998 to 2008 using GIS. Study of bank line shift due to the bank erosion around Kaziranga has been carried out for the periods 1912-1916 to 1972, 1972 to 1998 and 1998 to 2008. The amounts of the bank area lost due to erosion and gained due to sediment deposition are estimated separately. The total area eroded during 1912-1916 to 1972 was more (84.87 km2) as compared to accretion due to sediment deposition (24.49 km2), the total area eroded was also more in 1972-1998 (44.769 km2) as compared to accretion (29.47 km2) and the total area eroded was again more in 1998-2008 (20.41 km2) as compared to accretion (7.89 km2). The rates of erosion during 1912-1916 to 1970, 1970 to 1998, and 1998 to 2008 were 1.46, 1.59 and 1.021 km2 per year, respectively. During the entire period (1912-1916 to 2008) of study the erosion on the whole was 150.04 km2 and overall accretion was 61.86 km2 resulting in a loss of 88.188 km2 area of the park. The maximum amounts of shift of the bankline during 1912-1916 to 1970, 1970 to 1998, and 1998 to 2008 were 4.58 km, 3.36 km, and 1.92 km, respectively, which amount to the rates of shift as 0.078, 0.12 and 0.096 km per year, respectively. A lineament and a few faults have controlled the trend of the course of the Brahmaputra around Kaziranga area

  1. Foreign banks and credit stability in Central and Eastern Europe. A panel data analysis

    NARCIS (Netherlands)

    De Haas, Ralph; van Lelyveld, Iman

    We examine whether foreign and domestic banks in Central and Eastern Europe react differently to business cycles and banking crises. Our panel dataset comprises data of more than 250 banks for the period 1993-2000, with information on bank ownership and mode of entry. During crisis periods domestic

  2. Diversity, external morphology and ‘reverse taxonomy’ in the specialized tadpoles of Malagasy river bank frogs of the subgenus Ochthomantis (genus Mantidactylus)

    NARCIS (Netherlands)

    Randrianiaina, R.-D.; Strauß, A.; Glos, J.; Glaw, F.; Vences, M.

    2011-01-01

    We provide detailed morphological descriptions of the tadpoles of Malagasy river bank frogs of the subgenera Ochthomantis and Maitsomantis (genus Mantidactylus, family Mantellidae), and data on relative abundance and habitat preferences of Ochthomantis species from Ranomafana National Park in

  3. New azonal syntaxa from the hills and river banks of the Manyeleti Game Reserve, Northern Transvaal Province, South Africa

    Directory of Open Access Journals (Sweden)

    G.J. Bredenkamp

    1995-08-01

    Full Text Available As part of a vegetation survey programme for nature conservation areas in South Africa, surveys of the plant communities of the rocky outcrops and river banks in the Manyeleti Game Reserve were undertaken. The Cardiospermo corindii-Acacietalia nigricentis are restricted to quartz and gabbro hills, mainly on shallow, soils, whereas the Spirostachyo africanae-Diospyretalia mespiliformis occur on the banks of small dry rivers. From a Braun-Blanquet analysis of the vegetation of the rocky outcrops and the riparian vegetation, two new orders, two new alliances and six new associations were identified and described. Additionally a quantitative assessment of the woody component of each association is presented. Ordinations based on floristic data revealed the position of the syntaxa on an environmental gradient.

  4. Combined effects of climate change and bank stabilization on shallow water habitats of chinook salmon.

    Science.gov (United States)

    Jorgensen, Jeffrey C; McClure, Michelle M; Sheer, Mindi B; Munn, Nancy L

    2013-12-01

    Significant challenges remain in the ability to estimate habitat change under the combined effects of natural variability, climate change, and human activity. We examined anticipated effects on shallow water over low-sloped beaches to these combined effects in the lower Willamette River, Oregon, an area highly altered by development. A proposal to stabilize some shoreline with large rocks (riprap) would alter shallow water areas, an important habitat for threatened Chinook salmon (Oncorhynchus tshawytscha), and would be subject to U.S. Endangered Species Act-mandated oversight. In the mainstem, subyearling Chinook salmon appear to preferentially occupy these areas, which fluctuate with river stages. We estimated effects with a geospatial model and projections of future river flows. Recent (1999-2009) median river stages during peak subyearling occupancy (April-June) maximized beach shallow water area in the lower mainstem. Upstream shallow water area was maximized at lower river stages than have occurred recently. Higher river stages in April-June, resulting from increased flows predicted for the 2080s, decreased beach shallow water area 17-32%. On the basis of projected 2080s flows, more than 15% of beach shallow water area was displaced by the riprap. Beach shallow water area lost to riprap represented up to 1.6% of the total from the mouth to 12.9 km upstream. Reductions in shallow water area could restrict salmon feeding, resting, and refuge from predators and potentially reduce opportunities for the expression of the full range of life-history strategies. Although climate change analyses provided useful information, detailed analyses are prohibitive at the project scale for the multitude of small projects reviewed annually. The benefits of our approach to resource managers include a wider geographic context for reviewing similar small projects in concert with climate change, an approach to analyze cumulative effects of similar actions, and estimation of the

  5. Stream bank and sediment movement associated with 2008 flooding, South Fork Iowa River

    Science.gov (United States)

    Stream bank erosion can cause substantial damage to riparian systems and impact the use of water downstream. Risks of bank erosion increase during extreme flood events, and frequencies of extreme events may be increasing under changing climate. We assessed bank erosion within the South Fork Iowa Riv...

  6. Physical modeling of river spanning rock structures: Evaluating interstitial flow, local hydraulics, downstream scour development, and structure stability

    Science.gov (United States)

    Collins, K.L.; Thornton, C.I.; Mefford, B.; Holmquist-Johnson, C. L.

    2009-01-01

    Rock weir and ramp structures uniquely serve a necessary role in river management: to meet water deliveries in an ecologically sound manner. Uses include functioning as low head diversion dams, permitting fish passage, creating habitat diversity, and stabilizing stream banks and profiles. Existing information on design and performance of in-stream rock structures does not provide the guidance necessary to implement repeatable and sustainable construction and retrofit techniques. As widespread use of rock structures increases, the need for reliable design methods with a broad range of applicability at individual sites grows as well. Rigorous laboratory testing programs were implemented at the U.S. Bureau of Reclamation (Reclamation) and at Colorado State University (CSU) as part of a multifaceted research project focused on expanding the current knowledge base and developing design methods to improve the success rate of river spanning rock structures in meeting project goals. Physical modeling at Reclamation is being used to measure, predict, and reduce interstitial flow through rock ramps. CSU is using physical testing to quantify and predict scour development downstream of rock weirs and its impact on the stability of rock structures. ?? 2009 ASCE.

  7. Guide for calculating the stability of mine berms and spoil bank slopes in the Maritsa-Iztok coal basin

    Energy Technology Data Exchange (ETDEWEB)

    Georgiev, G; Todorova, M; Doneva, V; Novachkov, N; Nedyalkov, N; Mitev, A; Rachev, R

    1984-08-01

    Major landslides are described which occurred in the basin between 1963 and 1970 during overburden removal and formation of spoil banks. Guidelines for the prevention of landslides were developed on the basis of large scale studies of geomechanics, geostatic calculations and geodetic observations of slope behavior; no further landslide has occurred since 1970. Cohesion coefficients, angle of internal friction and shear properties were determined for each material occurring in the clayey and sandy overburden and for the coal (ash content 15-55%). Slope stability of working benches and spoil banks at the Troyanovo mines was then calculated. 8 references.

  8. Redox zonation for different groundwater flow paths during bank filtration: a case study at Liao River, Shenyang, northeastern China

    Science.gov (United States)

    Su, Xiaosi; Lu, Shuai; Yuan, Wenzhen; Woo, Nam Chil; Dai, Zhenxue; Dong, Weihong; Du, Shanghai; Zhang, Xinyue

    2018-03-01

    The spatial and temporal distribution of redox zones in an aquifer is important when designing groundwater supply systems. Redox zonation can have direct or indirect control of the biological and chemical reactions and mobility of pollutants. In this study, redox conditions are characterized by interpreting the hydrogeological conditions and water chemistry in groundwater during bank infiltration at a site in Shenyang, northeast China. The relevant redox processes and zonal differences in a shallow flow path and deeper flow path at the field scale were revealed by monitoring the redox parameters and chemistry of groundwater near the Liao River. The results show obvious horizontal and vertical components of redox zones during bank filtration. Variations in the horizontal extent of the redox zone were controlled by the different permeabilities of the riverbed sediments and aquifer with depth. Horizontally, the redox zone was situated within 17 m of the riverbank for the shallow flow path and within 200 m for the deep flow path. The vertical extent of the redox zone was affected by precipitation and seasonal river floods and extended to 10 m below the surface. During bank filtration, iron and manganese oxides or hydroxides were reductively dissolved, and arsenic that was adsorbed onto the medium surface or coprecipitated is released into the groundwater. This leads to increased arsenic content in groundwater, which poses a serious threat to water supply security.

  9. Appropriate Model for Zoning Local Fish Conservation in front of Buddhist Temple on the Bank of the Chi River by Sustainable Community Participation

    OpenAIRE

    Somchob Poo-Inna; Song-Koon Jantakajon; Terdthai Pantachai

    2009-01-01

    Problem statement: The fresh water fish in The Chi River was a major source of food of people living in this area. The objectives of this research were: (1) to study the historical background, current situation and problems of local fish conservation in front of The Chi River by community participation and (2) to find the opriate model for zoning the local fish conservation on the bank of The Chi River by sustainable community participation. Approach: The research area in Esan Reg...

  10. River engineering

    NARCIS (Netherlands)

    De Vries, M.

    1993-01-01

    One dimension models - basic eauations, analytical models, numberical models. One dimensional models -suspended load, roughness and resistance of river beds. Solving river problems - tools, flood mitigation, bank protection.

  11. Stabilization of Aley river water content by forest stands

    Directory of Open Access Journals (Sweden)

    E. G. Paramonov

    2016-06-01

    Full Text Available Aley river basin is one of the most developed territories in West Siberia. Initially, the development here was related to the development of ore mining in the Altai. Currently it is associated mainly with the agricultural orientation of economic development. The intensive involvement of basin lands into the economic turnover for the last 100 years contributed to the formation of a number of environmental problems, such as water and wind erosion, loss of soil fertility and salinization, and desertification of the territory. Besides, the decrease of Aley river water content due to natural and anthropogenic reasons was observed. A specific feature of water management in Aley river basin is a significant amount of water resources used for irrigation purposes and agricultural water supply. To ensure the economic and drinking water supply, two reservoirs and a number of ponds have been constructed and operate in the basin. Forest ecosystems of the basin are considered from the viewpoint of preservation and restoration of small rivers. The ability of forest to accumulate solid precipitation and intercept them during the snowmelt for a longer time reduces the surface drainage and promotes transfer into the subsurface flow, significantly influencing the water content of permanent watercourses, is shown. The state of protective forest plantations in Aley river basin is analyzed. Aley river tributaries are compared by area, the length of water flow, and forest coverage of the basin. It is proposed to regulate the runoff through drastic actions on the increase of forest cover in the plain and especially in the mountainous parts of the basin. Measures to increase the forest cover within water protection zones, afforestation of temporary and permanent river basins, and the protection of agricultural soil fertility are worked out.

  12. STABILITY OF THE PARTICIPATION BANKING SECTOR AGAINST THE ECONOMIC CRISIS IN TURKEY

    Directory of Open Access Journals (Sweden)

    Metin Aktaş

    2013-01-01

    Full Text Available The purpose of this article is to analyze whether participating banking sector is more stable than conventional banking sector during the global economic crisis. The main point is that which banking system are financially less affected from the global economic crisis. For this anlysis, we have used trend analysis method for 2006-2011 on yearly basis. In this study, yearly financial ratios of conventional and participating banking sectors were utilized. Financial ratios can be sorted as profitability, liquidity, risknesss and asset quality ratios. Results of the study show that participating banking sector is more stable than conventional banking sector in terms of profitability, riskiness and liquidity during the analysis term which includes 2008 global economic crisis. In addition, both sectors are almost similiar and stable in terms of asset quality.

  13. Environmental Assessment and Finding of No Significant Impact: Implementation of the Wetland Mitigation Bank Program at the Savannah River Site

    Energy Technology Data Exchange (ETDEWEB)

    N/A

    1999-04-28

    The Department of Energy (DOE) has prepared an environmental assessment (EA) (DOE/EA-1205) for the proposed implementation of a wetland mitigation bank program at the Savannah River Site (SRS), located near Aiken, South Carolina. Based on the analyses in the EA, DOE has determined that the proposed action is not a major Federal action significantly affecting the quality of the human environment within the meaning of the National Environmental Policy Act of 1969 (NEPA). Therefore, the preparation of an environmental impact statement (EIS) is not required, and DOE is issuing this Finding of No Significant Impact (FONSI) and Floodplain Statement of Findings.

  14. Identification of heavy metals on vegetables at the banks of Kaligarang river using neutron analysis activation method

    Science.gov (United States)

    Yulianti, D.; Marwoto, P.; Fianti

    2018-03-01

    This research aims to determine the type, concentration, and distribution of heavy metals in vegetables on the banks river Kaligarang using Neutron Analysis Activation (NAA) Method. The result is then compared to its predefined threshold. Vegetable samples included papaya leaf, cassava leaf, spinach, and water spinach. This research was conducted by taking a snippet of sediment and vegetation from 4 locations of Kaligarang river. These snippets are then prepared for further irradiated in the reactor for radioactive samples emiting γ-ray. The level of γ-ray energy determines the contained elements of sample that would be matched to Neutron Activation Table. The results showed that vegetablesat Kaligarang are containing Cr-50, Co-59, Zn-64, Fe-58, and Mn-25, and well distributed at all research locations. Furthermore, the level of the detected metal elements is less than the predefined threshold.

  15. Modeling the fate of organic micropollutants during river bank filtration (Berlin, Germany).

    Science.gov (United States)

    Henzler, Aline F; Greskowiak, Janek; Massmann, Gudrun

    2014-01-01

    Emerging organic contaminants (EOCs) are frequently detected in urban surface water and the adjacent groundwater and are therefore an increasing problem for potable water quality. River bank filtration (RBF) is a beneficial pretreatment step to improve surface water quality for potable use. Removal is mainly caused by microbial degradation of micropollutants, while sorption retards the transport. The quantification of biodegradation and adsorption parameters for EOCs at field scale is still scarce. In this study, the fate and behavior of a range of organic compounds during RBF were investigated using a two dimensional numerical flow- and transport model. The data base used emanated from a project conducted in Berlin, Germany (NASRI: Natural and Artificial Systems for Recharge and Infiltration). Oxygen isotope signatures and hydraulic head data were used for model calibration. Afterwards, twelve organic micropollutants were simulated with a reactive transport model. Three compounds (primidone, EDTA, and AMDOPH) showed conservative behavior (no biodegradation or sorption). For the nine remaining compounds (1.5 NDSA, AOX, AOI, MTBE, carbamazepine, clindamycin, phenazone, diclofenac and sulfamethoxazole), degradation and/or sorption was observed. 1.5 NDSA and AOX were not sorbed, but slightly degraded with model results for λ=2.25e(-3) 1/d and 2.4e(-3) 1/d. For AOI a λ=0.0106 1/d and R=1 were identified. MTBE could be characterized well assuming R=1 and a low 1st order degradation rate constant (λ=0.0085 1/d). Carbamazepine degraded with a half life time of about 66 days after a threshold value of 0.2-0.3 μg/L was exceeded and retarded slightly (R=1.7). Breakthrough curves of clindamycin, phenazone, diclofenac and sulfamethoxazole could be fitted less well, probably due to the dependency of degradation on temperature and redox conditions, which are highly transient at the RBF site. Conditions range from oxic to anoxic (up to iron-reducing), with the oxic and

  16. Australia; Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on the following topics: Banking Supervision, Insurance Regulation, Securities Regulation, and Payment Systems

    OpenAIRE

    International Monetary Fund

    2006-01-01

    The Australian banking system, which holds approximately half of total financial systems assets, and is dominated by four major banks, is sound with high earnings, high asset growth, and low levels of problem assets. Stress tests did not reveal near-term stability concerns, suggesting the banking system is likely to be resilient to adverse shocks. Australia’s financial supervisory structure of prudential authority and market conduct authority is sound overall. The medium-term challenges facin...

  17. Stability Of The Regional Banking Systems In The Crisis And Post-Crisis Periods

    Directory of Open Access Journals (Sweden)

    Yelena Pavlovna Gurova

    2014-12-01

    Full Text Available In connection with the recent crises has become more urgent topic of estimating the probability of bankruptcy of financial institutions. However, do not analyze the level of bankruptcies in the «regional banking systems» and its dependence on certain bank characteristics, the economic situation in the region. The subject of this study is to estimate the probability of medium-sized («non-capital» regional banks bankruptcy. Purpose of the article is to identify the main factors that have the greatest impact on the probability of default of the situation of regional banks. The study used an analytical and theoretical method is conducted econometric analysis. For performance revealed a significant difference in the factors influencing the onset of medium-sized regional situation of default («non-capital» banks, compared with larger banks. First to assess the likelihood of bankruptcy is used the concentration index of banks included in the model and significant macro variables. Results are applicable, from our point of view, the evaluation and more precise definition of the probability of default CBR regional banks.

  18. Quantifying River Channel Stability at the Basin Scale

    Directory of Open Access Journals (Sweden)

    Philip J. Soar

    2017-02-01

    Full Text Available This paper examines the feasibility of a basin‐scale scheme for characterising and quantifying river reaches in terms of their geomorphological stability status and potential for morphological adjustment based on auditing stream energy. A River Energy Audit Scheme (REAS is explored, which involves integrating stream power with flow duration to investigate the downstream distribution of Annual Geomorphic Energy (AGE. This measure represents the average annual energy available with which to perform geomorphological work in reshaping the channel boundary. Changes in AGE between successive reaches might indicate whether adjustments are likely to be led by erosion or deposition at the channel perimeter. A case study of the River Kent in Cumbria, UK, demonstrates that basin‐wide application is achievable without excessive field work and data processing. However, in addressing the basin scale, the research found that this is inevitably at the cost of a number of assumptions and limitations, which are discussed herein. Technological advances in remotely sensed data capture, developments in image processing and emerging GIS tools provide the near‐term prospect of fully quantifying river channel stability at the basin scale, although as yet not fully realized. Potential applications of this type of approach include system‐wide assessment of river channel stability and sensitivity to land‐use or climate change, and informing strategic planning for river channel and flood risk management.

  19. Seed bank composition in a secondary forest in the Lower Delta of the Paraná River (Argentina

    Directory of Open Access Journals (Sweden)

    Fábio Kalesnik

    2013-03-01

    Full Text Available The native forests once occupying the coastal levees of the Lower Delta islands of the Paraná River (in Argentina have been replaced by commercial forests. Many of those forests have been abandoned, resulting in secondary forest formation that is subject to numerous invasive exotic species. A priori observations suggest that successional trends do not lead to recovery of the original forest. The aim of the present study was to analyze the role of invasive exotic species in these environments and the likelihood of recovery of the original forest cover. Therefore, we examined the composition of the seed bank and of the standing vegetation, as well as the population structure of tree species. Secondary forests are described as being in an intermediate successional stage, with few exotic species (mainly trees but with a high abundance of standing vegetation and seed banks. These exotic species will likely continue to successfully predominate in different forest strata over the next stages. Because of the low density of native tree species, it is difficult to predict their future persistence. In conclusion, ecological restoration strategies will be needed in order to increase native tree species richness and biodiversity of the forests in the Lower Delta of the Paraná River.

  20. Analysis of VIA and EbA in a River Bank Erosion Prone Area of Bangladesh Applying DPSIR Framework

    Directory of Open Access Journals (Sweden)

    Syed Hafizur Rahman

    2016-10-01

    Full Text Available This study aims to set up a comprehensive approach to the Vulnerability and Impact Assessment (VIA of river erosion and to suggest Ecosystem-based Adaptation (EbA practices. Based on the analysis of vulnerability using the Driver-Pressure-State-Impact-Response (DPSIR framework, this paper discusses some of the significant climatic (rainfall pattern, temperature, seasonal drift, cold wave and heat wave and non-climatic (river erosion, repetitive death of field crops and agrochemicals forces in the Kazipur Upazila (Sirajganj District—a river erosion-prone area of Bangladesh. Both primary (Key Informants Interview, Household Survey, and Focus Group Discussion and secondary (climatic, literature review data have been used in revealing the scenario of climatic stress. The analysis revealed a slightly increasing trend of mean annual temperature, and a decreasing trend of total annual rainfall from 1981 to 2015, which have been supported by people’s perception. This study found that river erosion, the increase of temperature and the late arrival of monsoon rain, excessive monsoon rainfall, high use of agrochemicals, and flow alterations are major drivers in the riverine ecosystem. These drivers are creating pressures on agricultural land, soil fertility, water availability and livelihood patterns of affected communities. Hence, floating bed cultivation, integrated pest management, use of cover crops, reforestation, the introduction of an agro-weather forecasting system, and a new variety of flood tolerant species have been suggested as potential EbA to cope with river bank erosion and to increase the capacity of the affected ecosystem.

  1. Dilemma of deposit insurance policy in ASEAN countries: Does it promote banking industry stability or moral hazard?

    Directory of Open Access Journals (Sweden)

    Suhal Kusairi

    2018-03-01

    Full Text Available The goal of this article is to investigate the influence of deposit insurance policy on the stability of the banking industry. Stability is measured by the ratio of retail deposits to total assets and the ratio of loans to total assets to cover both positive and negative impacts, and deposit insurance policy is assessed in various stages. The survey uses a data panel of 127 commercial banks from 2000 to 2013 in six member countries of the Association of Southeast Asian Nations (ASEAN. Using a dynamic panel data investigation, we obtain results showing that the implementation of deposit insurance policy negatively affects the ratio of retail deposits to total assets while positively influencing the ratio of loans to total assets. This is an important finding, as it implies that deposit insurance policy causes bank managers to take greater risks to increase their returns, rather than increasing the confidence level of depositors and ultimately increasing total deposits. This result is important for regulators as they evaluate deposit insurance policy and anticipate any negative outcomes that might follow.

  2. The Role of Structural Funding for Stability in the German Banking Sector

    OpenAIRE

    Schupp, Fabian; Silbermann, Leonid

    2017-01-01

    We analyze whether, and if so by how much, stable funding would have contributed to the financial soundness of German banks in the time period between 1995 and 2013, before the Basel III liquidity regulation to address excessive maturity mismatches in the wake of the financial crisis via the Net Stable Funding Ratio can be expected to have been fully implemented. Using a dataset that contains information on critical events of German banks, we find that financing loans using fewer customer dep...

  3. Characteristics of movement and factors affecting the choice of mode of transport of community on the bank of Musi River of Palembang City of South Sumatra

    Science.gov (United States)

    Arliansyah, Joni; Hartono, Yusuf; Hastuti, Yulia; Astuti, Rinna

    2017-11-01

    Palembang City is one of the cities having the largest river in Indonesia and it should be able to take advantage of river transportation as an alternative choice. Inadequate availability of river transport facilities and infrastructures makes the people prefer other modes of land transportation rather than using river transportation. In addition, the development planning of river transportation such as the development of river taxi is less successful because it is not yet based on the movement pattern of the origin of the community travel destination. Based on the above matter, this study was conducted. The aim of the study was to find out the characteristics and factors affecting the mode choice of the community living along the bank of Musi River of Palembang City to be the basis of the development of river transportation system in Palembang City. The selected modes were motorcycles, cars, city transports, and ketek (motorized boats). Survey of home interviews was conducted to determine the origin of the destination and characteristics of travel was conducted in 30 villages located on the banks of Musi River. Field survey was conducted to determine the conditions and types of existing river transportation facilities and services. The results show that only 5.3 % of the occurrence movement used river transportation, the rest used motorcycles (69.1%), urban transport (15.9 %) and cars (9.7%), with the travel range less than10 minutes and 10 - 20 minutes as much as 43.2 % and 29 % of the total trips. From the socioeconomic profile of the community, it is found that most of the people living along the Musi River have low and middle incomes with the largest types of jobs as workers, students, shop owner, and housewives. The peak movement time for the movement of river transport occurs at 7:00 - 8:00, 10:00 - 11:00 and 16:00 - 17:00 with the movement of origin of the destination of river transportation is known to be 50% at the traditional market center of Dermaga of

  4. Proposed Bak Stabilization Tennessee River, River Mile 466.2 - 466.5 Hamilton County, Tennessee

    Science.gov (United States)

    2013-04-01

    aegyptium ). Vegetation along the bank consists of honey locust (Gleditsia tricanthos), sycamore (Platanus occidentalis), kudzu (Pueraria lobata...Adverse effects comprise, but are not necessarily limited to, the following: (a) death or injury to one or more individuals that results from activities...exclusive privileges, nor does it authorize any injury to private property or any invasion of personal rights, nor any infringement of federal, State

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1994-12-31

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

  6. Controls on hillslope stability in a mountain river catchment

    Science.gov (United States)

    Golly, Antonius; Turowski, Jens; Hovius, Niels; Badoux, Alexandre

    2015-04-01

    Sediment transport in fluvial systems accounts for a large fraction of natural hazard damage costs in mountainous regions and is an important factor for risk mitigation, engineering and ecology. Although sediment transport in high-gradient channels gathered research interest over the last decades, sediment dynamics in steep streams are generally not well understood. For instance, the sourcing of the sediment and when and how it is actually mobilized is largely undescribed. In the Erlenbach, a mountain torrent in the Swiss Prealps, we study the mechanistic relations between in-channel hydrology, channel morphology, external climatic controls and the surrounding sediment sources to identify relevant process domains for sediment input and their characteristic scales. Here, we analyze the motion of a slow-moving landslide complex that was permanently monitored by time-lapse cameras over a period of 70 days at a 30 minutes interval. In addition, data sets for stream discharge, air temperature and precipitation rates are available. Apparent changes in the channel morphology, e.g. the destruction of channel-spanning bed forms, were manually determined from the time-lapse images and were treated as event marks in the time series. We identify five relevant types of sediment displacement processes emerging during the hillslope motion: concentrated mud flows, deep seated hillslope failure, catastrophic cavity failure, hillslope bank erosion and individual grain loss. Generally, sediment displacement occurs on a large range of temporal and spatial scales and sediment dynamics in steep streams not only depend on large floods with long recurrence intervals. We find that each type of displacement acts in a specific temporal and spatial domain with their characteristic scales. Different external climatic forcing (e.g. high-intensity vs. long-lasting precipitation events) promote different displacement processes. Stream morphology and the presence of boulders have a large effect on

  7. Results of the radiological survey of the Saddle River's East Bank, from State Highway 46 to the River's confluence with Lodi Brook, Lodi, New Jersey (LJ083)

    International Nuclear Information System (INIS)

    Foley, R.D.; Floyd, L.M.

    1989-11-01

    Maywood Chemical Works (MCW) of Maywood, New Jersey, generated process wastes and residues associated with the production and refining of thorium and thorium compounds from monazite ores from 1916 to 1956. MCW supplied rare earth metals and thorium compounds to the Atomic Energy Commission and various other government agencies from the late 1940s to the mid-1950s. Area residents used the sandlike waste from this thorium extraction process mixed with tea and cocoa leaves as mulch in their yards. Some of these contaminated wastes were also eroded from the site into Lodi Brook. At the request of the US Department of Energy (DOE), a group from Oak Ridge National Laboratory conducts investigative radiological surveys of properties in the vicinity of MCW to determine whether a property is contaminated with radioactive residues, principally 232 Th, derived from the MCW site. The survey typically includes direct measurement of gamma radiation levels and soil sampling for radionuclide analyses. The survey of this site, the Saddle River's East Bank, from State Highway 46 to the River's Confluence with Lodi Brook, Lodi, New Jersey (LJ083), was conducted during 1988. Results of the survey demonstrated no radionuclide concentrations in excess of the DOE Formerly Utilized Sites Remedial Action Program criteria. The radionuclide distributions were not significantly different from normal background levels in the northern New Jersey area. 4 refs., 2 figs., 3 tabs

  8. Savannah River Site integrated stabilization management plan. Revision 3

    International Nuclear Information System (INIS)

    Geddes, R.L.; Barone, A.; Shook, H.E.; Varner, C.E.; Rollins, R.

    1996-01-01

    On May 26, 1994, the Defense Nuclear Facilities Safety Board (DNFSB) issued Recommendation 94-1. The concern is that the halt in production of materials to be used in nuclear weapons froze the manufacturing pipeline in a state that, for safety reasons, should not be allowed to persist unremediated. This recommendation had eight specific sub-recommendations that dealt with the potential problems. Specifically, the Board expressed concern about certain liquids and solids containing fissile materials and other radioactive substances located in spent fuel storage pools, reactor basins, reprocessing canyons; and various other facilities once used for processing and weapons manufacture. The WSRC and DOE-SR acknowledges and shares the Board's concerns and has developed this Integrated Stabilization Management Plan (ISMP) to aggressively address these urgent problems in a systems engineering approach

  9. Why are price stability and statutory independence of central banks negatively correlated? : the role of culture

    NARCIS (Netherlands)

    Jong, Eelke de

    2001-01-01

    This paper investigates whether in OECD-countries the negative relation between central bank independence and inflation is related to culture, in the sense of common values and norms. It appears that inflation is lower in countries where people dislike uncertainty. The tolerance in a society with

  10. Disentailment and agricultural intensification of river banks: the vega de Aranjuez

    International Nuclear Information System (INIS)

    Lopez Garcia, M. J.; Mateu Belles, J. F.

    2009-01-01

    In Spain, successive appropriations by the state of river flood terraces which had previously been in communal or private hands led to apart from notorious social repercussions-increased pressure on the limited water resources, loss of the diversity of agricultural uses as practices became more uniform, and accelerated destruction of the few remaining fragments or riverside woodlands. later water laws (1866 and 1879) and court rulings permitted the aggregation of adjacent fields on river margins, the disappearance of customary uses (including settled and transhumant grazing) and the expansion of horticulture and other intensive arable crops. (Author) 8 refs.

  11. A LQR-Based Controller with Estimation of Road Bank for Improving Vehicle Lateral and Rollover Stability via Active Suspension

    Directory of Open Access Journals (Sweden)

    Andres Riofrio

    2017-10-01

    Full Text Available In this article, a Linear Quadratic Regulator (LQR lateral stability and rollover controller has been developed including as the main novelty taking into account the road bank angle and using exclusively active suspension for both lateral stability and rollover control. The main problem regarding the road bank is that it cannot be measured by means of on-board sensors. The solution proposed in this article is performing an estimation of this variable using a Kalman filter. In this way, it is possible to distinguish between the road disturbance component and the vehicle’s roll angle. The controller’s effectiveness has been tested by means of simulations carried out in TruckSim, using an experimentally-validated vehicle model. Lateral load transfer, roll angle, yaw rate and sideslip angle have been analyzed in order to quantify the improvements achieved on the behavior of the vehicle. For that purpose, these variables have been compared with the results obtained from both a vehicle that uses passive suspension and a vehicle using a fuzzy logic controller.

  12. A LQR-Based Controller with Estimation of Road Bank for Improving Vehicle Lateral and Rollover Stability via Active Suspension.

    Science.gov (United States)

    Riofrio, Andres; Sanz, Susana; Boada, Maria Jesus L; Boada, Beatriz L

    2017-10-13

    In this article, a Linear Quadratic Regulator (LQR) lateral stability and rollover controller has been developed including as the main novelty taking into account the road bank angle and using exclusively active suspension for both lateral stability and rollover control. The main problem regarding the road bank is that it cannot be measured by means of on-board sensors. The solution proposed in this article is performing an estimation of this variable using a Kalman filter. In this way, it is possible to distinguish between the road disturbance component and the vehicle's roll angle. The controller's effectiveness has been tested by means of simulations carried out in TruckSim, using an experimentally-validated vehicle model. Lateral load transfer, roll angle, yaw rate and sideslip angle have been analyzed in order to quantify the improvements achieved on the behavior of the vehicle. For that purpose, these variables have been compared with the results obtained from both a vehicle that uses passive suspension and a vehicle using a fuzzy logic controller.

  13. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  14. Hydraulic conductivity changes in river valley sediments caused by river bank filtration - an analysis of specific well capacity

    Science.gov (United States)

    Kaczmarek, Piotr M. J.

    2017-06-01

    Parameters from archive data of the Kalisz-Lis waterworks, located in the Prosna River valley south of Kalisz, have been analysed. Well barrier discharges groundwater from Quaternary sediments which is mixed with riverbank filtration water. The analysis focused on specific well capacity, a parameter that represents the technical and natural aspects of well life. To exclude any aging factor, an examination of specific well capacity acquired only in the first pumping tests of a new well was performed. The results show that wells drilled between 1961 and 2004 have similar values of specific well capacity and prove that > 40 years discharge has had little influence on hydrodynamic conditions of the aquifer, i.e., clogging has either not occurred or is of low intensity. This implies that, in the total water balance of the Kalisz- Lis well barrier, riverbank filtration water made little contribution. In comparison, a similar analysis of archive data on the Mosina-Krajkowo wells of two generations of well barriers located in the Warta flood plains was performed; this has revealed a different trend. There was a significant drop in specific well capacity from the first pumping test of substitute wells. Thus, long-term groundwater discharge in the Warta valley has had a great impact on the reduction of the hydraulic conductivity of sediments and has worsened hydrodynamic conditions due to clogging of river bed and aquifer, which implies a large contribution of riverbank filtration water in the total water well balance. For both well fields conclusions were corroborated by mathematical modeling; in Kalisz-Lis 16.2% of water comes from riverbank filtration, whereas the percentage for Mosina-Krajkowo is 78.9%.

  15. Bank pull or bar push: What drives scroll-bar formation in meandering rivers?

    NARCIS (Netherlands)

    van de Lageweg, W. I.; van Dijk, W. M.; Baar, A. W.; Rutten, J.; Kleinhans, M. G.

    2014-01-01

    One of the most striking features of meandering rivers are quasi-regular ridges of the point bar, evidence of a pulsed lateral migration of meander bends. Scroll bars formed on the inner bend are preserved on the point-bar surface as a series of ridges as meanders migrate, and in the subsurface of

  16. An Automated Approach to Extracting River Bank Locations from Aerial Imagery Using Image Texture

    Science.gov (United States)

    2015-11-04

    is more likely to be encountered in high latitudes. The technique recognizes areas of urban or rural built environments, such as mowed fields...optical remote sensing of river channel morphology and in-stream habitat : physical basis and feasability. Remote Sensing of the Environment 93: 493

  17. Bank vegetation of Rimavica River from the perspective of landscape ecology

    International Nuclear Information System (INIS)

    Aschenbrenner, S.

    2011-01-01

    The object of our study was 5.3 km long stretch of the river Rimavica with its adjacent ecosystems. The research results show that most of the observed vegetation fulfill its function well in the country. Only certain sections require more human care, in order to strengthen their positive impact on the flow of water and other components of the ecosystem. (authors)

  18. Magnetic properties of floodplain deposits along the banks of the Morava River (Czech Republic)

    Czech Academy of Sciences Publication Activity Database

    Kadlec, Jaroslav; Diehl, J. F.

    2005-01-01

    Roč. 5, č. 3 (2005), s. 2-3 R&D Projects: GA AV ČR(CZ) IAA3013201 Institutional research plan: CEZ:AV0Z30130516 Keywords : rock magnetic properties * floodplain deposits * Morava River Subject RIV: DE - Earth Magnetism, Geodesy, Geography

  19. Sacramento River, Chico Landing to Red Bluff, California Bank Protection Project

    Science.gov (United States)

    1975-01-01

    i onwi de X X X X X X X (Turdus migratorius) Ruby-crowned kinglet Common-Nat i onwide X X X X X (Regulus calendula ) Water pipit Common-Nat i...City. In addition, State Point of Historical Interest, Glenn-011, Swifts Point, is located on the Sacramento River near Hamilton City and Glenn- Oil

  20. Long-term stability analysis of the left bank abutment slope at Jinping I hydropower station

    OpenAIRE

    Zhang, Long; Yang, Qiang; Liu, Yaoru

    2016-01-01

    The time-dependent behavior of the left bank abutment slope at Jinping I hydropower station has a major influence on the normal operation and long-term safety of the hydropower station. To solve this problem, a geomechanical model containing various faults and weak structural planes is established, and numerical simulation is conducted under normal water load condition using FLAC3D, incorporating creep model proposed based on thermodynamics with internal state variables theory. The creep defo...

  1. Comparison of hyporheic flow and water quality in open and tree-covered banks downstream of Xin'an River dam, China

    Science.gov (United States)

    Liu, D.

    2017-12-01

    Plants, especially trees, in the riparian zone may have a significant impact on the flow rate, temperature and chemical properties of groundwater. A field study was conducted in the downstream bank of the Xin'an River dam, Zhejiang, China. In the field, two areas of about 20 meters apart were chosen, of which one was a open place and the other was covered with many orange trees. Comparison of hyporheic flow and water quality in the open and tree-covered banks were made by monitoring the water level, water temperature, water chemistry (March, 2015) along the cross sections perpendicular to the river. The analyses indicated that water level around the trees was relatively low in the day and high in the evening, thus changed the direction and magnitude of the natural groundwater flow velocity, totally strengthened the hyporheic exchange between the groundwater and river. The trees also changed the temperature distribution of the natural river bank, and induced the wider infiltration range of the low-temperature water. The temperature around the trees was relatively low in the day, yet it was high in the evening. Dissolved oxygen (DO) and electricity conductivity (EC) around the trees were significantly increased, yet the pH was almost unaffected.

  2. 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

  3. Evaluating the accotink creek restoration project for improving water quality, in-stream habitat, and bank stability

    Science.gov (United States)

    Struck, S.D.; Selvakumar, A.; Hyer, K.; O'Connor, T.

    2007-01-01

    Increased urbanization results in a larger percentage of connected impervious areas and can contribute large quantities of stormwater runoff and significant quantities of debris and pollutants (e.g., litter, oils, microorganisms, sediments, nutrients, organic matter, and heavy metals) to receiving waters. To improve water quality in urban and suburban areas, watershed managers often incorporate best management practices (BMPs) to reduce the quantity of runoff as well as to minimize pollutants and other stressors contained in stormwater runoff. It is well known that land-use practices directly impact urban streams. Stream flows in urbanized watersheds increase in magnitude as a function of impervious area and can result in degradation of the natural stream channel morphology affecting the physical, chemical, and biological integrity of the stream. Stream bank erosion, which also increases with increased stream flows, can lead to bank instability, property loss, infrastructure damage, and increased sediment loading to the stream. Increased sediment loads may lead to water quality degradation downstream and have negative impacts on fish, benthic invertebrates, and other aquatic life. Accotink Creek is in the greater Chesapeake Bay and Potomac watersheds, which have strict sediment criteria. The USEPA (United States Environmental Protection Agency) and USGS (United States Geological Survey) are investigating the effectiveness of stream restoration techniques as a BMP to decrease sediment load and improve bank stability, biological integrity, and in-stream water quality in an impaired urban watershed in Fairfax, Virginia. This multi-year project continuously monitors turbidity, specific conductance, pH, and water temperature, as well as biological and chemical water quality parameters. In addition, physical parameters (e.g., pebble counts, longitudinal and cross sectional stream surveys) were measured to assess geomorphic changes associated with the restoration. Data

  4. Radium contamination of the banks of a small river receiving the liquid effluents of a large phosphate plant

    International Nuclear Information System (INIS)

    Vanmarcke, H.; Paridaens, J.

    2000-01-01

    A chemical plant in the north of Belgium processes since 1929 large quantities of marine phosphate ore, with a 226 Ra content of 1500 Bq/kg, into products suited for animal feeding, using hydrochloric acid (HCl) as dissolution agent instead of the more common sulphuric acid (H 2 SO 4 ). Until 1991, two thirds of the radium was released with the waste water into two small rivers with a concentration of about 20 Bq/l and a flow rate of 1500 m 3 /h. Adding barium salts has recently reduced the radium concentration of the waste water to 3 Bq/l. The purpose of this study was to map the historical radium contamination of one of the receiving rivers, the Laak, over a distance of 20 km. Enhanced dose rates are found everywhere along the Laak between the discharge points and the merging with the Grote Nete. The contamination is mostly confined to a narrow strip of 5 to 10 m wide on one or on both sides, caused by the periodic dredging of the sediment. The measured dose rates vary between the low natural background of the region, 50 to 80 nSv/h, and 1000 to 2000 nSv/h. The total surface area contaminated above 100 nSv/h amounts to 22 ha. The radiological impact on the surrounding population was estimated. Realistic scenarios for critical groups for the external exposure result in doses of a few hundreds of μSv/year. Pastures and maize for animal feeding are currently the only cultures along the contaminated banks of the Laak. This additional step in the food chain reduces the internal doses to a few tens of μSv/year. The inhalation of radon decay products in open air poses no problem. The construction of dwellings on the contaminated banks would undo this favorable situation as radon gas could accumulate in the dwellings resulting in doses that could exceed the limit for radiation workers. (author)

  5. Banks' Stability: The effect of Monetary Policies in the light of Global Financial Crisis

    Directory of Open Access Journals (Sweden)

    Wael Bakhit

    2014-04-01

    Full Text Available This paper employs a quarterly time series to determine the timing of structural breaks for interest rates in USA over the last 60 years. The Chow test is used for investigating the non-stationary, where the date of the potential break is assumed to be known. Moreover, an empirically examination of the financial sector to check if it is positively related to deviations from an assumed interest rate as given in a standard Taylor rule. The empirical analysis is strengthened by analysing the rule from a historical perspective and look at the effect of setting the interest rate by the central bank on financial imbalances. The empirical evidence indicates that deviation in monetary policy has a potential causal factor in the build up of financial imbalances and the subsequent crisis where macro prudential intervention could have beneficial effect. Thus, my findings tend to support the view which states that the probable existence of central banks has been one source of global financial crisis since the past decade.

  6. Use of radon-222 as tracer to estimate groundwater infiltration velocity in a river bank area

    International Nuclear Information System (INIS)

    Trinh Van Giap

    2003-01-01

    Naturally occurring isotope Rn-222 has been used as a natural tracer to determine the residence time of groundwater infiltrated from river into an aquifer in a riverbank area. The applied method is based on the increasing radon concentration in infiltrating water during it passes through the riverbank and reaches an equilibrium value. Solid-state nuclear track detector technique is used to measure directly radon concentration in water of a well. In order to confirm the relationship between radon concentration and it's residence time, a model was constructed in the laboratory. Experiment carried out in Nam Dinh are showed that mean infiltrating velocity of groundwater in the studied area as high as 5.1 m/day. (author)

  7. Securing Financial Stability: Problems and Prospects for New EU Members, Report on the SUERF Seminar jointly organised with the Central Bank of Malta

    DEFF Research Database (Denmark)

    Balling, Morten

    2003-01-01

    topics are monetary policy transparency, preservation of investor confidence, the adequacy of the legal framework governing the financial sector, asset price volatility, size and volatility of cross-border capital flows, implications of bank privatisations, increasing market shares of foreign banks......The article gives an overview of twelve contributions to a seminar organised in March 2003 by SUERF in cooperation with the Central Bank of Malta. The contributions analyse from different perspectives the problems related to securing financial stability in the EU accession countries. Important......, integration of European supervisory systems, choice of exchange rate regime and government debt policy. Four of the contributions are country case studies in which the financial stability experiences of countries that have become members of the EMU are described. Udgivelsesdato: July...

  8. Quantifying root-reinforcement of river bank soils by four Australian tree species

    Science.gov (United States)

    Docker, B. B.; Hubble, T. C. T.

    2008-08-01

    The increased shear resistance of soil due to root-reinforcement by four common Australian riparian trees, Casuarina glauca, Eucalyptus amplifolia, Eucalyptus elata and Acacia floribunda, was determined in-situ with a field shear-box. Root pull-out strengths and root tensile-strengths were also measured and used to evaluate the utility of the root-reinforcement estimation models that assume simultaneous failure of all roots at the shear plane. Field shear-box results indicate that tree roots fail progressively rather than simultaneously. Shear-strengths calculated for root-reinforced soil assuming simultaneous root failure, yielded values between 50% and 215% higher than directly measured shear-strengths. The magnitude of the overestimate varies among species and probably results from differences in both the geometry of the root-system and tensile strengths of the root material. Soil blocks under A. floribunda which presents many, well-spread, highly-branched fine roots with relatively higher tensile strength, conformed most closely with root model estimates; whereas E. amplifolia, which presents a few, large, unbranched vertical roots, concentrated directly beneath the tree stem and of relatively low tensile strength, deviated furthest from model-estimated shear-strengths. These results suggest that considerable caution be exercised when applying estimates of increased shear-strength due to root-reinforcement in riverbank stability modelling. Nevertheless, increased soil shear strength provided by tree roots can be calculated by knowledge of the Root Area Ratio ( RAR) at the shear plane. At equivalent RAR values, A. floribunda demonstrated the greatest earth reinforcement potential of the four species studied.

  9. Long-term spatiotemporal stability and dynamic changes in helminth infracommunities of bank voles (Myodes glareolus) in NE Poland.

    Science.gov (United States)

    Grzybek, Maciej; Bajer, Anna; Bednarska, Małgorzata; Al-Sarraf, Mohammed; Behnke-Borowczyk, Jolanta; Harris, Philip D; Price, Stephen J; Brown, Gabrielle S; Osborne, Sarah-Jane; Siński, Edward; Behnke, Jerzy M

    2015-12-01

    Parasites are considered to be an important selective force in host evolution but ecological studies of host-parasite systems are usually short-term providing only snap-shots of what may be dynamic systems. We have conducted four surveys of helminths of bank voles at three ecologically similar woodland sites in NE Poland, spaced over a period of 11 years, to assess the relative importance of temporal and spatial effects on helminth infracommunities. Some measures of infracommunity structure maintained relative stability: the rank order of prevalence and abundance of Heligmosomum mixtum, Heligmosomoides glareoli and Mastophorus muris changed little between the four surveys. Other measures changed markedly: dynamic changes were evident in Syphacia petrusewiczi which declined to local extinction, while the capillariid Aonchotheca annulosa first appeared in 2002 and then increased in prevalence and abundance over the remaining three surveys. Some species are therefore dynamic and both introductions and extinctions can be expected in ecological time. At higher taxonomic levels and for derived measures, year and host-age effects and their interactions with site are important. Our surveys emphasize that the site of capture is the major determinant of the species contributing to helminth community structure, providing some predictability in these systems.

  10. The Western Borderlands of the Bulgar Ulus of the Golden Horde (based on materials of sites located on the left bank of the lower Sura river area

    Directory of Open Access Journals (Sweden)

    Gribov Nikolay N.

    2013-12-01

    Full Text Available The article is devoted to the research of medieval settlements Kurmysh-4 and Murzitsyy-1, located on the left bank of the Sura river in Nizhny Novgorod oblast. The sites were discovered and surveyed in 2007-2009. These are large unfortified settlements, founded in the border area between the Russian lands and the Bulgar Ulus in the 14th century. According to written sources, the Lower Sura river area belonged to the Nizhny Novgorod princes at the time. The sites reveal a number of urban features, such as a large area, multiethnic population, traces of varied craft and trade activities. The data obtained during the preliminary investigation of these sites make it possible to add new features regarding the specificity of populating the Western borderlands of the Bulgar Ulus in the Golden Horde period.

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

    Science.gov (United States)

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

    2017-12-01

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

  12. Uganda; Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on the following topics: Monetary and Financial Policy Transparency, Banking Supervision, Securities Regulation, and Payment Systems

    OpenAIRE

    International Monetary Fund

    2003-01-01

    This paper presents findings of Uganda’s Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on Monetary and Financial Policy Transparency, Banking Supervision, Securities Regulation, Insurance Regulation, Corporate Governance, and Payment Systems. The banking system in Uganda, which dominates the financial system, is fundamentally sound, more resilient than in the past, and currently poses no threat to macroeconomic stability. A major disruption ...

  13. The effect of feed water dissolved organic carbon concentration and composition on organic micropollutant removal and microbial diversity in soil columns simulating river bank filtration.

    Science.gov (United States)

    Bertelkamp, C; van der Hoek, J P; Schoutteten, K; Hulpiau, L; Vanhaecke, L; Vanden Bussche, J; Cabo, A J; Callewaert, C; Boon, N; Löwenberg, J; Singhal, N; Verliefde, A R D

    2016-02-01

    This study investigated organic micropollutant (OMP) biodegradation rates in laboratory-scale soil columns simulating river bank filtration (RBF) processes. The dosed OMP mixture consisted of 11 pharmaceuticals, 6 herbicides, 2 insecticides and 1 solvent. Columns were filled with soil from a RBF site and were fed with four different organic carbon fractions (hydrophilic, hydrophobic, transphilic and river water organic matter (RWOM)). Additionally, the effect of a short-term OMP/dissolved organic carbon (DOC) shock-load (e.g. quadrupling the OMP concentrations and doubling the DOC concentration) on OMP biodegradation rates was investigated to assess the resilience of RBF systems. The results obtained in this study imply that - in contrast to what is observed for managed aquifer recharge systems operating on wastewater effluent - OMP biodegradation rates are not affected by the type of organic carbon fraction fed to the soil column, in case of stable operation. No effect of a short-term DOC shock-load on OMP biodegradation rates between the different organic carbon fractions was observed. This means that the RBF site simulated in this study is resilient towards transient higher DOC concentrations in the river water. However, a temporary OMP shock-load affected OMP biodegradation rates observed for the columns fed with the river water organic matter (RWOM) and the hydrophilic fraction of the river water organic matter. These different biodegradation rates did not correlate with any of the parameters investigated in this study (cellular adenosine triphosphate (cATP), DOC removal, specific ultraviolet absorbance (SUVA), richness/evenness of the soil microbial population or OMP category (hydrophobicity/charge). Copyright © 2015 Elsevier Ltd. All rights reserved.

  14. Comparative water quality assessment between a young and a stabilized hydroelectric reservoir in Aliakmon River, Greece.

    Science.gov (United States)

    Samiotis, Georgios; Trikoilidou, Eleni; Tsikritzis, Lazaros; Amanatidou, Elisavet

    2018-03-20

    In this work, a comparative study on the water quality characteristics of two in-line water reservoirs (artificial lakes) in Aliakmon River (Western Macedonia, Greece) is performed. Polyfytos Reservoir and Ilarion Reservoir were created in 1975 and 2012 respectively, in order to serve the homonymous hydroelectric stations. In young artificial lakes, severe deterioration of water quality may occur; thus, the monitoring and assessment of their water quality characteristics and their statistical interpretation are of great importance. In order to evaluate any temporal or spatial variations and to characterize water quality of these two in-line water reservoirs, water quality data from measurements conducted from 2012 to 2015 were statistically processed and interpreted by using a modified National Sanitation Foundation water quality index (WQI). The water physicochemical characteristics of the two reservoirs were found to be generally within the legislation limits, with relatively small temporal and spatial variations. Although Polyfytos Reservoir showed no significant deviations of its water quality, Ilarion Reservoir exhibited deviations in total Kjeldahl nitrogen, nitrite nitrogen, total suspended solids, and turbidity due to the inundated vegetation decomposition. The conducted measurements and the use of the modified NSFWQI revealed that during the inundation period of Ilarion Reservoir, its water quality was "moderate" and that the deviations were softened through time, leading to "good" water quality during its maturation period. Three years since the creation of Ilarion Reservoir, water quality does not match that of Aliakmon River (feeding water) or that of the stabilized reservoir (Polyfytos Reservoir), whose quality is characterized as "high." The use of a WQI, such as the proposed modified NSFWQI, for evaluating water quality of each sampling site and of an entire water system proved to be a rapid and relatively accurate assessment tool.

  15. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  16. Geomorphic Effects of Gravel Augmentation and Bank Re-erosion on the Old Rhine River Downstream From The Kembs Dam (France, Germany)

    Science.gov (United States)

    Chardon, V.; Laurent, S.; Piegay, H.; Arnaud, F.; Houssier, J.; Serouilou, J.; Clutier, A.

    2017-12-01

    The Old Rhine is a 50 km by-passed reach downstream from the Kembs diversion dam in the Alsacian plain (France/Germany). It has been impacted by engineering works since the 19th century. This reach exhibits poor ecological functionalities due to severe geomorphological alterations (e.g., channel bed stabilization, narrowing, degradation and armoring, sediment deficit). In the frame of the Kembs power plant relicensing (2010), Électricité de France has undertaken two gravel augmentations (18 000 and 30 000 m3) and three controlled bank erosions following riprap protection removal over 300 m bank length to enhance bedload transport and habitat diversification. A first pilot gravel augmentation was also implemented in 2010 (23 000 m3). A geomorphological monitoring based on bedload tracking, grain size analyses and topo-bathymetric surveys has been performed on the three gravel augmentation reaches and one of the controlled bank erosion sites to assess the efficiency and sustainability of these actions (2010-2017). Results show that augmented gravels are entrained for a Q2 flood. Gravels moved several hundred meters for moderate floods and up to one kilometer for more intense floods (Q15), while sediment deposition mainly diffused within the channel. Morphological and grain size diversification, including sediment refinement, are still relatively limited following gravel augmentation. Furthermore, sediment armoring reestablished once the sediment wave moved more downstream, after only four to six years, due to the stability and the narrowness of the channel but also by the absence of upstream bedload supply. Habitat diversification was higher on the controlled bank erosion site thanks to the presence of two artificial groynes, even though eroded sediment volumes were lower than expected (less than 1500m3 for a Q15 flood). This monitoring demonstrates gravel augmentations are not sufficient to really diversify geomorphological conditions of the Old Rhine. Channel

  17. Stability Analysis of a Run-of-River Diversion Hydropower Plant with Surge Tank and Spillway in the Head Pond

    Directory of Open Access Journals (Sweden)

    José Ignacio Sarasúa

    2014-01-01

    Full Text Available Run-of-river hydropower plants usually lack significant storage capacity; therefore, the more adequate control strategy would consist of keeping a constant water level at the intake pond in order to harness the maximum amount of energy from the river flow or to reduce the surface flooded in the head pond. In this paper, a standard PI control system of a run-of-river diversion hydropower plant with surge tank and a spillway in the head pond that evacuates part of the river flow plant is studied. A stability analysis based on the Routh-Hurwitz criterion is carried out and a practical criterion for tuning the gains of the PI controller is proposed. Conclusions about the head pond and surge tank areas are drawn from the stability analysis. Finally, this criterion is applied to a real hydropower plant in design state; the importance of considering the spillway dimensions and turbine characteristic curves for adequate tuning of the controller gains is highlighted.

  18. River-corridor habitat dynamics, Lower Missouri River

    Science.gov (United States)

    Jacobson, Robert B.

    2010-01-01

    Intensive management of the Missouri River for navigation, flood control, and power generation has resulted in substantial physical changes to the river corridor. Historically, the Missouri River was characterized by a shifting, multithread channel and abundant unvegetated sandbars. The shifting channel provided a wide variety of hydraulic environments and large areas of connected and unconnected off-channel water bodies.Beginning in the early 1800s and continuing to the present, the channel of the Lower Missouri River (downstream from Sioux City, Iowa) has been trained into a fast, deep, single-thread channel to stabilize banks and maintain commercial navigation. Wing dikes now concentrate the flow, and revetments and levees keep the channel in place and disconnect it from the flood plain. In addition, reservoir regulation of the Missouri River upstream of Yankton, South Dakota, has substantially changed the annual hydrograph, sediment loads, temperature regime, and nutrient budgets.While changes to the Missouri River have resulted in broad social and economic benefits, they have also been associated with loss of river-corridor habitats and diminished populations of native fish and wildlife species. Today, Missouri River stakeholders are seeking ways to restore some natural ecosystem benefits of the Lower Missouri River without compromising traditional economic uses of the river and flood plain.

  19. Evaluating the Effects of Dam Construction on the Morphological Changes of Downstream Meandering Rivers (Case Study: Karkheh River

    Directory of Open Access Journals (Sweden)

    A. Liaghat

    2017-04-01

    Full Text Available The establishment of stability in rivers is dependent on a variety of factors, and yet the established stability can be interrupted at any moment or time. One factor that can strongly disrupt the stability of rivers is the construction of dams. For this study, the identification and evaluation of morphological changes occurring to the Karkheh River, before and after the construction of the Karkheh Dam, along with determining the degree of changes to the width and length of the downstream meanders of the river, have been performed with the assistance of satellite images and by applying the CCHE2D hydrodynamic model. Results show that under natural circumstances the width of the riverbed increases downstream parallel to the decrease in the slope angle of the river. The average width of the river was reduced from 273 meters to 60 meters after dam construction. This 78% decrease in river width has made available 21 hectares of land across the river bank per kilometer length of the river. In the studied area, the average thalweg migration of the river is approximately 340 meters, while the minimum and maximum of river migration measured 53 and 768 meters, respectively. Evaluations reveal that nearly 56% of the migrations pertain to the western side of the river, while over 59% of these migrations take place outside the previous riverbed. By average, each year, the lateral migration rate of the river is 34 meters in the studied area which signifies the relevant instability of the region.

  20. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  1. 76 FR 35434 - Federal Home Loan Bank Members Selected for Community Support Review

    Science.gov (United States)

    2011-06-17

    ............ Massachusetts. Company. Danversbank Danvers........ Massachusetts. Mechanics' Co-operative Bank. Taunton.... OceanFirst Bank Tom Rivers..... New Jersey. Roma Bank Robbinsville... New Jersey. Glen Rock Savings Bank... Savings, FSB........ Munster........ Indiana. Farmers and Mechanics Federal Bloomfield..... Indiana...

  2. DEVELOPMENTAL STABILITY AND CYTOGENETIC HOMEOSTASIS OF FISH FAUNA OF THE SLUCH RIVER IN CURRENT CONDITIONS OF ANTHROPOGENIC STRESS

    Directory of Open Access Journals (Sweden)

    O. Bedunkova

    2015-03-01

    Full Text Available Purpose. To assess the developmental stability and cytogenetic homeostasis of fish populations in the Sluch River in the watercourse areas subjected to anthropogenic stress of different intensities. Methodology. Studies of fish populations in the Sluch River were carried out within Berezne district of Rivne region. The condition of individual fish in the populations were evaluated integrally using morphological (evaluation of the stability of development based on the level of fluctuating asymmetry (FA and cytogenetic (micronucleus (MN test of peripheral blood erythrocytes of fish methods. The methods used allowed identifying the destabilization level of organism development, even in the cases when there is no direct disturbance of population homeostasis. Findings. The found FA levels reflect minor (initial deviations from the normal developmental processes of fish populations in in the studied watercourse areas. Especially significantly this is reflected in a high proportion of individuals with FA in the samples of roach (Rutilus rutilus, bleak (Alburnus alburnus, bream (Abramis brama and perch (Perca fluviatilis. An excess in the frequency of MN erythrocyte cells in roach and pike (Esox lucius blood relatively the level of spontaneous mutagenesis was observed in the cross section №2, which is exposed to sewage waters. The observed manifestation of degenerative processes in fish organisms at this stage can be evaluated as an increased reactivity of sensitive species to the presence of mutagenic agents in the composition of river pollution. The functioning of spawning populations gives reason to believe that the current level of human impact is not critical for the hydroecosystem. Originality. For the first time we obtained data on the stability of development and cytogenetic homeostasis of fish populations in the hydroecosystem of Rivne region in current conditions of anthropogenic stress. Practical value. The obtained results can be used for

  3. 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.

  4. Sediment-stabilizing and Destabilizing Ecoengineering Species from River to Estuary: the Case of the Scheldt System

    Science.gov (United States)

    Selakovic, S.; Cozzoli, F.; Leuven, J.; Van Braeckel, A.; Speybroeck, J.; Kleinhans, M. G.; Bouma, T.

    2017-12-01

    Interactions between organisms and landscape forming processes play an important role in evolution of coastal landscapes. In particular, biota has a strong potential to interact with important geomorphological processes such as sediment dynamics. Although many studies worked towards quantifying the impact of different species groups on sediment dynamics, information has been gathered on an ad hoc base. Depending on species' traits and distribution, functional groups of ecoengineering species may have differential effects on sediment deposition and erosion. We hypothesize that the spatial distributions of sediment-stabilizing and destabilizing species across the channel and along the whole salinity gradient of an estuary partly determine the planform shape and channel-shoal morphology of estuaries. To test this hypothesis, we analyze vegetation and macrobenthic data taking the Scheldt river-estuarine continuum as model ecosystem. We identify species traits with important effects on sediment dynamics and use them to form functional groups. By using linearized mixed modelling, we are able to accurately describe the distributions of the different functional groups. We observe a clear distinction of dominant ecosystem engineering functional groups and their potential effects on the sediment in the river-estuarine continuum. The first results of longitudinal cross section show the highest effects of stabilizing plant species in riverine and sediment bioturbators in weak polyhaline part of continuum. The distribution of functional groups in transverse cross sections shows dominant stabilizing effect in supratidal zone compared to dominant destabilizing effect in the lower intertidal zone. This analysis offers a new and more general conceptualization of distributions of sediment stabilizing and destabilizing functional groups and their potential impacts on sediment dynamics, shoal patterns, and planform shapes in river-estuarine continuum. We intend to test this in future

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

    Science.gov (United States)

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

    2016-12-01

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

  6. Rediscovery Of The Northern Mole Vole, Ellobius Talpinus (Rodentia, Cricetidae, At The Western Bank Of The Dnipro River, Ukraine

    Directory of Open Access Journals (Sweden)

    Rusin M.

    2015-06-01

    Full Text Available Ellobius talpinus was supposed to become extinct from the westernbank of the river Dnipro. Aft er 50 years the species was found again in Dnipropetrovsk and Kherson Region. The brief description of the current distribution of the northern mole vole to the west of the Dnipro is given. Altogether 11 localities were found. The rediscovered populations may be treated as endangered in the region.

  7. Phenomena and characteristics of barrier river reaches in the middle and lower Yangtze River, China

    Science.gov (United States)

    You, Xingying; Tang, Jinwu

    2017-06-01

    Alluvial river self-adjustment describes the mechanism whereby a river that was originally in an equilibrium state of sediment transport encounters some disturbance that destroys the balance and results in responses such as riverbed deformation. A systematic study of historical and recent aerial photographs and topographic maps in the Middle and Lower Reaches of the Yangtze River (MLYR) shows that river self-adjustment has the distinguishing feature of transferring from upstream to downstream, which may affect flood safety, waterway morphology, bank stability, and aquatic environmental safety over relatively long reaches downstream. As a result, it is necessary to take measures to control or block this transfer. Using the relationship of the occurrence time of channel adjustments between the upstream and downstream, 34 single-thread river reaches in the MLYR were classified into four types: corresponding, basically corresponding, basically not corresponding, not corresponding. The latter two types, because of their ability to prevent upstream channel adjustment from transferring downstream, are called barrier river reaches in this study. Statistics indicate that barrier river reaches are generally single thread and slightly curved, with a narrow and deep cross-sectional morphology, and without flow deflecting nodes in the upper and middle parts of reaches. Moreover, in the MLYR, barrier river reaches have a hydrogeometric coefficient of {}1.2‱, a silty clay content of the concave bank {>}{9.5}%, and a median diameter of the bed sediment {>}{0.158} mm. The barrier river reach mechanism lies in that can effectively centralise the planimetric position of the main stream from different upstream directions, meaning that no matter how the upper channel adjusts, the main stream shows little change, providing relatively stable inflow conditions for the lower reaches. Regarding river regulation, it is necessary to optimise the benefits of barrier river reaches; long river

  8. THE POLICY OF THE EXCHANGE RATE PROMOTED BY NATIONAL BANK OF ROMANIA AND ITS IMPLICATIONS UPON THE FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    Chifane Cristina

    2010-12-01

    Full Text Available The more profound world economic crisis has strongly marked the evolution of the Romanian financial system. The size of current account deficit, the relatively high external financing needs and the dependence of the banks on it, the high ratio between loans in foreign currency and deposits in foreign currency made of the Romanian economy, a risky destination for investors. In these conditions, since the end of 2008 and throughout 2009, the government's economic program was focused on reducing the external deficit in both public and private sector, on minimizing the effects of recession, on avoiding a crisis of the exchange rate and on cooling the inflationary pressures.

  9. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  10. Preliminary assessment of channel stability and bed-material transport in the Tillamook Bay tributaries and Nehalem River basin, northwestern Oregon

    Science.gov (United States)

    Jones, Krista L.; Keith, Mackenzie K.; O'Connor, Jim E.; Mangano, Joseph F.; Wallick, J. Rose

    2012-01-01

    subject to incision and aggradation as well as lateral shifts in thalweg position and bank deposition and erosion. * In fluvial reaches, unit bar area declined a net 5.3-83.6 percent from 1939 to 2009. The documented reduction in bar area may be attributable to several factors, including vegetation establishment and stabilization of formerly active bar surfaces, lateral channel changes and resulting alterations in sediment deposition and erosion patterns, and streamflow and/or tide differences between photographs. Other factors that may be associated with the observed reduction in bar area but not assessed in this reconnaissance level study include changes in the sediment and hydrology regimes of these rivers over the analysis period. * In tidal reaches, unit bar area increased on the Tillamook and Nehalem Rivers (98.0 and 14.7 percent, respectively), but declined a net 24.2 to 83.1 percent in the other four tidal reaches. Net increases in bar area in the Tidal Tillamook and Nehalem Reaches were possibly attributable to tidal differences between the photographs as well as sediment deposition behind log booms and pile structures on the Tillamook River between 1939 and 1967. * The armoring ratio (ratio of the median grain sizes of a bar's surface and subsurface layers) was 1.6 at Lower Waldron Bar on the Miami River, tentatively indicating a relative balance between transport capacity and sediment supply at this location. Armoring ratios, however, ranged from 2.4 to 5.5 at sites on the Trask, Wilson, Kilchis, and Nehalem Rivers; these coarse armor layers probably reflect limited bed-material supply at these sites. * On the basis of mapping results, measured armoring ratios, and channel cross section surveys, preliminary conclusions are that the fluvial reaches on the Tillamook, Trask, Kilchis, and Nehalem Rivers are currently sediment supply-limited in terms of bed material - that is, the transport capacity of the channel generally exceeds the supply of bed material. The

  11. Landuse Types within Channel Corridor and River Channel Morphology of River Ona, Ibadan, Nigeria

    Directory of Open Access Journals (Sweden)

    Olutoyin Fashae

    2017-12-01

    Full Text Available The importance of river a corridor warrants a well thought out and balanced management approach because it helps in improving or maintaining water quality, protecting wetlands, etc. Hence, this study seeks to identify major landuse types within the River Ona Corridor; examine the impact of these landuse types within the River Ona corridor on its channel morphology and understand the risk being posed by these landuse types. The study is designed by selecting two reaches of six times the average width from each of the four major landuse types that exist along the river corridor. This study revealed that along the downstream section of Eleyele Dam of River Ona, natural forest stabilizes river channel banks, thereby presenting a narrow and shallow width and depth respectively but the widest of all is found at the agricultural zones.

  12. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  13. Remedial Action Plan and final design for stabilization of the inactive uranium mill tailings at Green River, Utah

    International Nuclear Information System (INIS)

    Matthews, M.L.; Alkema, K.

    1991-03-01

    This Remedial Action Plan (RAP) has been developed to serve a threefold purpose. It presents the series of activities that are proposed by the US Department of Energy (DOE) to accomplish long-term stabilization and control of radioactive materials at the inactive uranium processing site located near Green River, Utah. It provides a characterization of the present conditions of the site. It also serves to document the concurrence of the state of Utah and the US Nuclear Regulatory Commission (NRC) in the remedial action. This agreement, upon execution by the DOE and the state of Utah, and concurrence by the NRC, becomes Appendix 8 of the Cooperative Agreement

  14. Bank Swallow - Monitoring [ds6

    Data.gov (United States)

    California Natural Resource Agency — The data set represents the annual count of bank swallow burrows at nesting colonies located along the Sacramento River. The data set contains two databases which...

  15. 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.

  16. The effect of redox conditions and adaptation time on organic micropollutant removal during river bank filtration: A laboratory-scale column study.

    Science.gov (United States)

    Bertelkamp, C; Verliefde, A R D; Schoutteten, K; Vanhaecke, L; Vanden Bussche, J; Singhal, N; van der Hoek, J P

    2016-02-15

    This study investigated the redox dependent removal and adaptive behaviour of a mixture of 15 organic micropollutants (OMPs) in laboratory-scale soil columns fed with river water. Three separate pilot systems were used consisting of: (1) two columns, (2) ten columns and (3) twenty two columns to create oxic, suboxic (partial nitrate removal) and anoxic (complete nitrate removal). The pilot set-up has some unique features--it can simulate fairly long residence times (e.g., 45 days using the 22 column system) and reduced conditions developed naturally within the system. Dimethoate, diuron, and metoprolol showed redox dependent removal behaviour with higher biodegradation rates in the oxic zone compared to the suboxic/anoxic zone. The redox dependent behaviour of these three OMPs could not be explained based on their physico-chemical properties (hydrophobicity, charge and molecular weight) or functional groups present in the molecular structure. OMPs that showed persistent behaviour in the oxic zone (atrazine, carbamazepine, hydrochlorothiazide and simazine) were also not removed under more reduced conditions. Adaptive behaviour was observed for five OMPs: dimethoate, chloridazon, lincomycin, sulfamethoxazole and phenazone. However, the adaptive behaviour could not be explained by the physico-chemical properties (hydrophobicity, charge and molecular weight) investigated in this study and only rough trends were observed with specific functional groups (e.g. ethers, sulphur, primary and secondary amines). Finally, the adaptive behaviour of OMPs was found to be an important factor that should be incorporated in predictive models for OMP removal during river bank filtration. Copyright © 2015 Elsevier B.V. All rights reserved.

  17. 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.

  18. In situ solidification/stabilization pilot study for the treatment of coal tar contaminated soils and river sediments

    International Nuclear Information System (INIS)

    Lawson, M.A.; Venn, J.G.; Pugh, L.B.; Vallis, T.

    1996-01-01

    Coal tar contamination was encountered at a former coal gasification site in soils below the groundwater table, and in the sediments of the adjacent river. Ex situ remediation techniques at this site would be costly because of the need to dewater the impacted media. In situ solidification/stabilization was tested to evaluate its effectiveness. Treatability testing was performed to evaluate a Portland cement/fly ash binder system with added stabilizing agents. Results were sufficiently promising to warrant pilot testing. Grout containing Portland cement, fly ash, organically modified clay, and granular activated carbon was pilot tested at the site. Test specimens were collected and tested to evaluate durability, compressive strength, and permeability. The samples were extracted by several methods and analyzed to measure the leachable concentrations of organic compounds and metals. Results indicated acceptable physical characteristics. Leachable concentrations of most polynuclear aromatic compounds were decreased

  19. Lead mobilisation in the hyporheic zone and river bank sediments of a contaminated stream. Contribution to diffuse pollution

    Energy Technology Data Exchange (ETDEWEB)

    Palumbo-Roe, Barbara; Wragg, Joanna; Banks, Vanessa J. [British Geological Survey, Keyworth Nottingham (United Kingdom)

    2012-12-15

    Purpose: Past metal mining has left a legacy of highly contaminated sediments representing a significant diffuse source of contamination to water bodies in the UK and worldwide. This paper presents the results of an integrated approach used to define the role of sediments in contributing to the dissolved lead (Pb) loading to surface water in a mining-impacted catchment. Materials and methods: The Rookhope Burn catchment, northern England, UK is affected by historical mining and processing of lead ore. Quantitative geochemical loading determinations, measurements of interstitial water chemistry from the stream hyporheic zone and inundation tests of bank sediments were carried out. Results and discussion: High concentrations of Pb in the sediments from the catchment, identified from the British Geological Survey Geochemical Baseline Survey of the Environment (GBASE) data, demonstrate both the impact of mineralisation and widespread historical mining. The results from stream water show that the stream Pb load increased in the lower part of the catchment, without any apparent or significant contribution of point sources of Pb to the stream. Relative to surface water, the interstitial water of the hyporheic zone contained high concentrations of dissolved Pb in the lower reaches of the Rookhope Burn catchment, downstream of a former mine washing plant. Concentrations of 56 {mu}g l{sup -1} of dissolved Pb in the interstitial water of the hyporheic zone may be a major cause of the deterioration of fish habitats in the stream and be regarded as a serious risk to the target of good ecological status as defined in the European Water Framework Directive. Inundation tests provide an indication that bank sediments have the potential to contribute dissolved Pb to surface water. Conclusions: The determination of Pb in the interstitial water and in the inundation water, taken with water Pb mass balance and sediment Pb distribution maps at the catchment scale, implicate the

  20. 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

  1. 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...

  2. Holocene Vegetation Succession and Response to Climate Change on the South Bank of the Heilongjiang-Amur River, Mohe County, Northeast China

    Directory of Open Access Journals (Sweden)

    Chao Zhao

    2016-01-01

    Full Text Available Pollen samples from peat sediments on the south bank of the Heilongjiang River in northern Northeast China (NE China were analyzed to reconstruct the historical response of vegetation to climate change since 7800 cal yr BP. Vegetation was found to have experienced five successions from cold-temperate mixed coniferous and broadleaved forest to forest-steppe, steppe-woodland, steppe, and finally meadow-woodland. From 7800 to 7300 cal yr BP, the study area was warmer than present, and Betula, Larix, and Picea-dominated mixed coniferous and broadleaved forests thrived. Two cooling events at 7300 cal yr BP and 4500 cal yr BP led to a decrease in Betula and other broadleaved forests, whereas herbs of Poaceae expanded, leading to forest-steppe and then steppe-woodland environments. After 2500 cal yr BP, reduced temperatures and a decrease in evaporation rates are likely to have resulted in permafrost expansion and surface ponding, with meadow and isolated coniferous forests developing a resistance to the cold-wet environment. The Holocene warm period in NE China (7800–7300 cal yr BP could have resulted in a strengthening of precipitation in northernmost NE China and encouraged the development of broadleaved forests.

  3. Dynamics of spatial clustering of schistosomiasis in the Yangtze River Valley at the end of and following the World Bank Loan Project.

    Science.gov (United States)

    Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Ward, Michael; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu

    2014-06-01

    The 10-year (1992-2001) World Bank Loan Project (WBLP) contributed greatly to schistosomiasis control in China. However, the re-emergence of schistosomiasis in recent years challenged the long-term progress of the WBLP strategy. In order to gain insight in the long-term progress of the WBLP, the spatial pattern of the epidemic was investigated in the Yangtze River Valley between 1999-2001 and 2007-2008. Two spatial cluster methods were jointly used to identify spatial clusters of cases. The magnitude and number of clusters varied during 1999-2001. It was found that prevalence of schistosomiasis had been greatly reduced and maintained at a low level during 2007-2008, with little change. Besides, spatial clusters most frequently occurred within 16 counties in the Dongting Lake region and within 5 counties in the Poyang Lake region. These findings precisely pointed out the prior places for future public health planning and resource allocation of schistosomiasis. Copyright © 2014 Elsevier Ireland Ltd. All rights reserved.

  4. [Effects of land cover change on soil organic carbon and light fraction organic carbon at river banks of Fuzhou urban area].

    Science.gov (United States)

    Zeng, Hong-Da; Du, Zi-Xian; Yang, Yu-Sheng; Li, Xi-Bo; Zhang, Ya-Chun; Yang, Zhi-Feng

    2010-03-01

    By using Vario EL III element analyzer, the vertical distribution characteristics of soil organic carbon (SOC) and light-fraction organic carbon (LFOC) in the lawn, patch plantation, and reed wetland at river banks of Fuzhou urban area were studied in July 2007. For all the three land cover types, the SOC and LFOC contents were the highest in surface soil layer, and declined gradually with soil depth. Compared with reed wetland, the lawn and patch plantation had higher SOC and LFOC contents in each layer of the soil profile (0-60 cm), and the lawn had significantly higher contents of SOC and LFOC in 0-20 cm soil layer, compared with the patch plantation. After the reed wetland was converted into lawn and patch plantation, the SOC stock in the soil profile was increased by 94.8% and 72.0%, and the LFOC stock was increased by 225% and 93%, respectively. Due to the changes of plant species, plant density, and management measure, the conversion from natural wetland into human-manipulated green spaces increased the SOC and LFOC stocks in the soil profile, and improved the soil quality. Compared with the SOC, soil LFOC was more sensitive to land use/cover change, especially for those in 0-20 cm soil layer.

  5. Antarctic Ice Shelf Potentially Stabilized by Export of Meltwater in Surface River

    Science.gov (United States)

    Bell, Robin E.; Chu, Winnie; Kingslake, Jonathan; Das, Indrani; Tedesco, Marco; Tinto, Kirsty J.; Zappa, Christopher J.; Frezzotti, Massimo; Boghosian, Alexandra; Lee, Won Sang

    2017-01-01

    Meltwater stored in ponds and crevasses can weaken and fracture ice shelves, triggering their rapid disintegration. This ice-shelf collapse results in an increased flux of ice from adjacent glaciers and ice streams, thereby raising sea level globally. However, surface rivers forming on ice shelves could potentially export stored meltwater and prevent its destructive effects. Here we present evidence for persistent active drainage networks-interconnected streams, ponds and rivers-on the Nansen Ice Shelf in Antarctica that export a large fraction of the ice shelf's meltwater into the ocean. We find that active drainage has exported water off the ice surface through waterfalls and dolines for more than a century. The surface river terminates in a 130-metre-wide waterfall that can export the entire annual surface melt over the course of seven days. During warmer melt seasons, these drainage networks adapt to changing environmental conditions by remaining active for longer and exporting more water. Similar networks are present on the ice shelf in front of Petermann Glacier, Greenland, but other systems, such as on the Larsen C and Amery Ice Shelves, retain surface water at present. The underlying reasons for export versus retention remain unclear. Nonetheless our results suggest that, in a future warming climate, surface rivers could export melt off the large ice shelves surrounding Antarctica-contrary to present Antarctic ice-sheet models, which assume that meltwater is stored on the ice surface where it triggers ice-shelf disintegration.

  6. Study of the Behavior and Distribution of Mercury in Soil Samples Collected on the Banks of the Valdeazogues River

    International Nuclear Information System (INIS)

    Lominchar, M. A.; Sierra, M. J.; Rodiriguez, J.; Millam, R.

    2010-01-01

    The main objective of this study is to determine the behavior of mercury in the soil of the Valdeazogues river (Almaden, Ciudad Real, Spain) by using a six-step sequential extraction procedure (CIEMAT) and checking the relationship between the percentage of organic matter in soil and the percentage of mercury associated with the exchangeable and oxidizable fractions. The results show that total mercury concentrations in soil range from 116.7 ±24.3 to 245.5 ±59.6 mg kg - 1 of Hg even to concentrations of 350.9 ±68.6 mg kg -1 . However, the available mercury concentration is a smaller percentage of 0.15% of total mercury measured in the samples. Also, the soluble mercury is less than 0,037 mg kg - 1, so that, the leaching process and transport of mercury to surface water and groundwater are very slow. With regard to the distribution of mercury between the different fractions of soil, the metal is associated with more resistant soil fractions, these are: crystalline Fe-Mn oxyhydroxides, organic matter absorbed and the fi nal residue. (Author9) 50 refs.

  7. Effects of land use and management on aggregate stability and hydraulic conductivity of soils within River Njoro Watershed in Kenya

    Directory of Open Access Journals (Sweden)

    Zachary G. Mainuri

    2013-09-01

    Full Text Available There has been tremendous changes in land use and management in the River Njoro Watershed during the last three decades. Formerly large scale farms have been converted into smallholder farms and plantation forests have gradually been lost. These changes in land use and management have brought in different approaches that have triggered soil erosion and other forms of land degradation. The objective of this study was to trace the changes in land use and determine their effects on aggregate stability and hydraulic conductivity. A semi detailed soil survey of the watershed was undertaken following a three-tier approach comprising image interpretation, field surveys and laboratory analysis. The measured variables in the soil were analysed using ANOVA and correlation analysis. The major land uses were found to be forestland, agricultural land, grassland, and wetland. A strong soil type _ landscape relationship was observed within the watershed. Soils of slopes were moderately to severely eroded, shallow and less developed whereas those on summits, pen plains, uplands, plateaus and valleys were deep and well developed. Aggregate stability was the highest in forestland and decreased in the order of grassland, agricultural land and wetland respectively. The mean weight diameter under the various land use conditions was 0.68, 0.64, 0.58, and 0 41 respectively. Hydraulic conductivity was the highest in forest-land and decreased in the order of agricultural land, grassland and wetland respectively. There was significant negative correlation between hydraulic conductivity and the bulk density and clay content of the soils. Reduced aggregate stability and lowered hydraulic conductivity is likely to be responsible for some of the severe soil erosion and other forms of land degradation observed in the River Njoro Watershed.

  8. 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…

  9. Origins of and countermeasures for the abnormal pressures in well production of the Ojarly gas field in the Right Bank of the Amu-Darya River, Turkmenistan

    Directory of Open Access Journals (Sweden)

    Peijun Zhang

    2017-01-01

    Full Text Available The Ojarly gas field, the major supplier of the Project Phase Ⅱ of the Right Bank of the Amu Darya River, is just small but valuable like a golden bean, although it has good reservoir properties and a high gas production capacity, the occurrence of continuous sharp decline of pressure in the well production shows a great difference from the previous well test program. In view of this, an integrated analysis method was established for the whole gas well production process to discover the three main reasons causing the abnormal well pressure. First, the formation energy and pressure dropped so fast that the wellhead pressure also fell over the period. Second, there was abnormal fluids pressure drop in the wellbore tube and throttling effect might occur in the production tube, so the pressure drop became abnormally increased. Third, due to the abnormally-increasing gas-yield pressure drop and unusually-decreasing gas productivity, the wellhead oil pressure dropped significantly. Also, through dynamic monitoring and in-depth analysis, it is also considered that due to the high density of drilling fluids and well-developed pores and caverns in the reservoirs, more and more barites separated from the fluids would be settled down covering the pay zones, so both the gas-generating capacity and production pressure significantly decreased. On this basis, some technical countermeasures were taken such as re-stimulation of reservoirs, removal of gas-producing channels, increase of seepage capacity, etc. In addition, by use of sand-flushing and acidizing, both the comprehensive skin factor and the production pressure drop were reduced to improve the well gas production capacity and maintain high productivity effectively. This study provides a technical support for long-term sustainable development and production of this gas field.

  10. 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...

  11. Lower Red River Meadow Stream Restoration Project

    International Nuclear Information System (INIS)

    1996-05-01

    As part of a continuing effort to restore anadromous fish populations in the South Fork Clearwater River basin of Idaho, Bonneville Power Administration (BPA) proposes to fund the Lower Red River Meadow Restoration Project (Project). The Project is a cooperative effort with the Idaho Soil and Water Conservation District, Nez Perce National Forest, Idaho Department of Fish and Game (IDFG), and the Nez Perce Tribe of Idaho. The proposed action would allow the sponsors to perform stream bank stabilization, aquatic and riparian habitat improvement activities on IDFG's Red River Management Area and to secure long-term conservation contracts or agreements for conducting streambank and habitat improvement activities with participating private landowners located in the Idaho County, Idaho, study area. This preliminary Environmental Assessment (EA) examines the potential environmental effects of stabilizing the stream channel, restoring juvenile fish rearing habitat and reestablishing a riparian shrub community along the stream

  12. Long-Term Stability Testing Results Using Surrogates And Sorbents For Savannah River Site Organic And Aqueous Wastestreams - 10016

    International Nuclear Information System (INIS)

    Burns, H.

    2009-01-01

    The U.S. Department of Energy (DOE) has tasked MSE Technology Applications, Inc. (MSE) with evaluating the long-term stability of various commercially available sorbent materials to solidify two organic surrogate wastestreams (both volatile and nonvolatile), a volatile organic surrogate with a residual aqueous phase, an aqueous surrogate, and an aqueous surrogate with a residual organic phase. The Savannah River Site (SRS) Legacy and F-Canyon plutonium/uranium extraction (PUREX) process waste surrogates constituted the volatile organic surrogates, and various oils constituted the nonvolatile organic surrogates. The aqueous surrogates included a rainwater surrogate and an aqueous organic surrogate. MSE also evaluated the PUREX surrogate with a residual aqueous component with and without aqueous type sorbent materials. Solidification of the various surrogate wastestreams listed above was performed from 2004 to 2006 at the MSE Test Facility located in Butte, Montana. This paper summarizes the comparison of the initial liquid release test (LRT) values with LRT results obtained during subsequent sampling events in an attempt to understand and define the long-term stability characteristics for the solidified wastestreams.

  13. Stability of selected serum hormones and lipids after long-term storage in the Janus Serum Bank.

    Science.gov (United States)

    Gislefoss, Randi E; Grimsrud, Tom K; Mørkrid, Lars

    2015-04-01

    The potential value of a biobank depends on the quality of the samples, i.e. how well they reflect the biological or biochemical state of the donors at the time of sampling. Documentation of sample quality has become a particularly important issue for researchers and users of biobank studies. The aim of this study was to investigate the long-term stability of selected components: cholesterol, high density cholesterol (HDLC), low density cholesterol (LDLC), apolipoprotein A1 (apo-A1), apolipoprotein B (apo B), follicle stimulating hormone (FSH), luteinizing hormone (LH), prolactin (PRL), thyroid stimulating hormone (TSH) and free thyroxin (FT4). Samples, stored at -25°C, from 520 men aged 40-49 years at blood sampling distributed in equally sized groups (n=130) according to length of storage, 0, 4, 17 and 29 years, respectively, were used in a cross sectional design. The freshly collected serum samples were used as a reference group to calculate storage related changes. The differences between fresh samples and samples stored for 29 years were substantial for apo-A1 (+12%), apo-B (+22.3%), HDLC (-69.2%), LDLC (+31.3%), and PRL (-33.5%), while total cholesterol, FSH, LH, TSH and FT4 did not show any significant difference. The study showed large differences in serum level of the selected components. The lipids and apolipoproteins were all changed except for total cholesterol. Most hormones investigated (FSH, LH, TSH and FT4) proved to be stable after 29 years of storage while PRL showed sign of degradation. The observed differences are probably due to long-term storage effects and/or external factors (i.e. diet and smoking). Copyright © 2014 The Canadian Society of Clinical Chemists. Published by Elsevier Inc. All rights reserved.

  14. Seasonal and inter-annual dynamics of suspended sediment at the mouth of the Amazon river: The role of continental and oceanic forcing, and implications for coastal geomorphology and mud bank formation

    Science.gov (United States)

    Gensac, Erwan; Martinez, Jean-Michel; Vantrepotte, Vincent; Anthony, Edward J.

    2016-04-01

    Fine-grained sediments supplied to the Ocean by the Amazon River and their transport under the influence of continental and oceanic forcing drives the geomorphic change along the 1500 km-long coast northward to the Orinoco River delta. The aim of this study is to give an encompassing view of the sediment dynamics in the shallow coastal waters from the Amazon River mouth to the Capes region (northern part of the Amapa region of Brazil and eastern part of French Guiana), where large mud banks are formed. Mud banks are the overarching features in the dynamics of the Amazon-Orinoco coast. They start migrating northward in the Capes region. Suspended Particulate Matter (SPM) concentrations were calculated from satellite products (MODIS Aqua and Terra) acquired over the period 2000-2013. The Census-X11 decomposition method used to discriminate short-term, seasonal and long-term time components of the SPM variability has rendered possible a robust analysis of the impact of continental and oceanic forcing. Continental forcing agents considered are the Amazon River water discharge, SPM concentration and sediment discharge. Oceanic forcing comprises modelled data of wind speed and direction, wave height and direction, and currents. A 150 km-long area of accretion is detected at Cabo Norte that may be linked with a reported increase in the river's sediment discharge concurrent with the satellite data study period. We also assess the rate of mud bank migration north of Cabo Norte, and highlight its variability. Although we confirm a 2 km y-1 migration rate, in agreement with other authors, we show that this velocity may be up to 5 km y-1 along the Cabo Orange region, and we highlight the effect of water discharge by major rivers debouching on this coastal mud belt in modulating such rates. Finally, we propose a refined sediment transport pattern map of the region based on our results and of previous studies in the area such as the AMASSEDS programme, and discuss the

  15. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

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

  16. Stabilization of Savannah River National Laboratory (SRNL) Aqueous Waste by Fluidized Bed Steam Reforming (FBSR)

    International Nuclear Information System (INIS)

    Jantzen, C

    2004-01-01

    The Savannah River National Laboratory (SRNL) is a multidisciplinary laboratory operated by Westinghouse Savannah River Company (WSRC) in Aiken, South Carolina. Research and development programs have been conducted at SRNL for ∼50 years generating non-radioactive (hazardous and non-hazardous) and radioactive aqueous wastes. Typically the aqueous effluents from the R and D activities are disposed of from each laboratory module via the High Activity Drains (HAD) or the Low Activity Drains (LAD) depending on whether they are radioactive or not. The aqueous effluents are collected in holding tanks, analyzed and shipped to either H-Area (HAD waste) or the F/H Area Effluent Treatment Facility (ETF) (LAD waste) for volume reduction. Because collection, analysis, and transport of LAD and HAD waste is cumbersome and since future treatment of this waste may be curtailed as the F/H-Area evaporators and waste tanks are decommissioned, SRNL laboratory operations requested several proof of principle demonstrations of alternate technologies that would define an alternative disposal path for the aqueous wastes. Proof of principle for the disposal of SRNL HAD waste using a technology known as Fluidized Bed Steam Reforming (FBSR) is the focus of the current study. The FBSR technology can be performed either as a batch process, e.g. in each laboratory module in small furnaces with an 8'' by 8'' footprint, or in a semi-continuous Bench Scale Reformer (BSR). The proof of principle experiments described in this study cover the use of the FBSR technology at any scale (pilot or full scale). The proof of principle experiments described in this study used a non-radioactive HAD simulant

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

    Science.gov (United States)

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

    2018-06-01

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

  18. The contribution of bank and surface sediments to fluvial sediment ...

    African Journals Online (AJOL)

    The contribution of bank and surface sediments to fluvial sediment transport of the Pra River. ... the relative contribution of surface and bank sediments to the fluvial sediment transport. ... EMAIL FREE FULL TEXT EMAIL FREE FULL TEXT

  19. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  20. South-east frontier of the Russian Empire and the processes on the division of the Ural River left bank area between Kirghiz-Kaysaks and Ural Cossacks in the second half of the XIX century

    Directory of Open Access Journals (Sweden)

    Alexey I. Kortunov

    2015-03-01

    Full Text Available The article highlights the issue related to the peculiarities of formation of the south-east frontier of the Russian Empire and with the process on separation of the border areas of the Orenburg line (in particular of the Ural River left bank area between Kirghiz-Kaysaks and Ural Cossacks in the second half of XIX century. The author pays particular attention to the problem of the resolution of disputes between the Ural Cossacks and Kirghiz-Kaysaks by local and central authorities.

  1. Sewage-Borne Ammonium at a River Bank Filtration Site in Central Delhi, India: Simplified Flow and Reactive Transport Modeling to Support Decision-Making about Water Management Strategies

    Directory of Open Access Journals (Sweden)

    Maike Groeschke

    2017-06-01

    Full Text Available In the Indian metropolis of Delhi, the Yamuna River is highly influenced by sewage water, which has led to elevated ammonium (NH4+ concentrations up to 20 mg/L in the river water during 2012–2013. Large drinking water production wells located in the alluvial aquifer draw high shares of bank filtrate. Due to the infiltrating river water, the raw water NH4+ concentrations in some wells exceed the threshold value of 0.5 mg/L ammonia-N of the Indian drinking water specifications, making the water unfit for human consumption without prior treatment. However, to meet the city’s growing water demand, it might be advantageous to consider the long-term use of the well field. This requires the development of an adapted post-treatment unit in concert with an adjusted well field management. To better understand the groundwater dynamics and contamination and decontamination times at the well field, a theoretical modeling study has been conducted. The results of 2D numerical modeling reveal that the groundwater flux beneath the river is negligible because of the aquifer and river geometry, indicating that infiltrating river water is not diluted by the ambient groundwater. Increasing the water abstraction in the wells closest to the river would result in a larger share of bank filtrate and a decreasing groundwater table decline. Simplified 1D reactive transport models set up for a distance of 500 m (transect from the riverbank to the first production well showed that the NH4+ contamination will prevail for the coming decades. Different lithological units of the aquifer (sand and kankar—a sediment containing calcareous nodules have a strong influence on the respective contamination and decontamination periods, as the retardation of NH4+ is higher in the kankar than in the sand layer. Although this simplified approach does not allow for a quantification of processes, it can support decision-making about a possible future use of the well field and point to

  2. Stabilization

    Directory of Open Access Journals (Sweden)

    Muhammad H. Al-Malack

    2016-07-01

    Full Text Available Fuel oil flyash (FFA produced in power and water desalination plants firing crude oils in the Kingdom of Saudi Arabia is being disposed in landfills, which increases the burden on the environment, therefore, FFA utilization must be encouraged. In the current research, the effect of adding FFA on the engineering properties of two indigenous soils, namely sand and marl, was investigated. FFA was added at concentrations of 5%, 10% and 15% to both soils with and without the addition of Portland cement. Mixtures of the stabilized soils were thoroughly evaluated using compaction, California Bearing Ratio (CBR, unconfined compressive strength (USC and durability tests. Results of these tests indicated that stabilized sand mixtures could not attain the ACI strength requirements. However, marl was found to satisfy the ACI strength requirement when only 5% of FFA was added together with 5% of cement. When the FFA was increased to 10% and 15%, the mixture’s strength was found to decrease to values below the ACI requirements. Results of the Toxicity Characteristics Leaching Procedure (TCLP, which was performed on samples that passed the ACI requirements, indicated that FFA must be cautiously used in soil stabilization.

  3. 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.

  4. Geographic Diversification, Competition and Bank Survival

    NARCIS (Netherlands)

    Jochem, T.

    2013-01-01

    This article analyzes the effects from portfolio diversification and banking competition on the stability of U.S. banks during the 2008-2011 banking crisis. To do so, it uses exogenous cross-sectional and time-series variation in states' branching restrictions between 1997-2005, the degree of local

  5. Diet preference of Eurasian Beaver (Castor Fiber L., 1758 in the environment of Oderské vrchy and its influence on the tree species composition of river bank stands

    Directory of Open Access Journals (Sweden)

    Jan Dvořák

    2013-01-01

    Full Text Available This paper deals with the dietary behaviour and the tree species preference in the river bank stands in the diet of established population Eurasian Beaver (Castor fiber L., 1758 in the environment of Oderské vrchy; the objective is to assess the suitability of this environment for future development of the Eurasian Beaver and to asses the influence of the beaver’s dietary behaviour on the river bank stands. In the monitored area, the total of 5 tree species with the following preference were recorded: willow (Salix 42.2%, aspen (Populus 28%, dogwood (Comus 15.5%, birch (Betula 7.4% and alder (Alnus 6.9%. The most damaged diameter interval recorded within the all damaged tree species ranges from 2.6 to 6 cm, followed by the interval 6.1–12 cm. Over 61% of the trees felled by the beaver had a bigger diameter. The most sensitive reaction to beaver’s dietary behaviour was shown by aspen (reduction of numbers by 27.6% and by willow (reduction of numbers by 16.6% on the monitored area.

  6. Investigations of slope stability, Savannah River Plant, Aiken, South Carolina. Draft report

    International Nuclear Information System (INIS)

    1985-01-01

    Our analysis of slope stability indicates acceptable factors of safety for trenches excavated at a slope inclination of one (horizontal) to one (vertical). Further, without the addition of externally applied loads, such as construction trafficking and the gantry crane, a slope inclination of 0.75 horizontal to 1.0 vertical was found to have an acceptable factor of safety of 1.5. Setback distances were calculated for a slope inclination of one to one, and it was found that the gantry crane loading could safely be applied at a setback distance of approximately 7.5 feet while maintaining a factor of safety of approximately 1.2. Similarly, setback distances required for dump trucks and scrapers would be expected to be approximately 6 feet and 10 feet, respectively, to maintain a factor of safety of 1.2. In order to allow flexibility with construction loadings, parametric studies were utilized for construction trafficking to enable setback distances to be selected consistent with actual equipment to be utilized during construction. The effect of removal of surficial soils was investigated, and it is concluded that a minimum of 4-1/2 feet should be removed from all areas prior to the excavation of slopes

  7. 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...

  8. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

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

  9. Monetary Policy and Excessive Bank Risk Taking

    NARCIS (Netherlands)

    Agur, I.; Demertzis, M.

    2010-01-01

    If monetary policy is to aim at financial stability, how would it change? To analyze this question, this paper develops a general-form model with endogenous bank risk profiles. Policy rates affect both bank incentives to search for yield and the cost of wholesale funding. Financial stability

  10. Central bank independence and financial instability

    NARCIS (Netherlands)

    Klomp, J.G.; de Haan, J.

    2009-01-01

    It has been argued that central bank independence (CBI) may not only be beneficial for reaching the objective of price stability, but also for maintaining financial stability. Greater independence from external pressure implies that central banks are less politically constrained in acting to prevent

  11. Enhanced sediment loading facilitates point bar growth and accelerates bank erosion along a modelled meander bend on the Sacramento River, USA

    Science.gov (United States)

    Ahmed, J.; Constantine, J. A.; Hales, T. C.

    2017-12-01

    Meandering channels provide a conduit through which sediment and water is routed from the uplands to the sea. Alluvial material is periodically stored and transported through the channel network as permitted by the prevailing hydrologic conditions. The lowlands are typically characterised by accumulations of sediment attached to the inner banks of meander bends (point bars). These bedforms have been identified as important for facilitating a link between in-stream sediment supplies and channel dynamism. A 2D curvilinear hydrodynamic model (MIKE 21C) was used to perform a number of experiments in which the sediment load was adjusted to investigate how changes in alluvial material fluxes affect the development of point bars and the resultant patterns of bank erosion. A doubling of the sediment load caused a longitudinal increase in the bar in the upstream direction and caused a coeval doubling of the transverse channel slope at the meander apex. The upstream growth of the point bar was accompanied by an increase in length over which lateral migration took place at the outer bank. The magnitude of outer bank erosion was 9-times greater for the high-sediment simulation. These results suggest that enhanced sediment loads (potentially the result of changes in land use or climate) can trigger greater rates of bank erosion and channel change through the sequestration of alluvial material on point bars, which encourage high-velocity fluid deflection towards the outer bank of the meander. This controls riparian habitat development and exchanges of sediment and nutrients across the channel-floodplain interface.

  12. What Should a Restored River Look Like? (Invited)

    Science.gov (United States)

    Florsheim, J. L.; Chin, A.

    2010-12-01

    Removal of infrastructure such as dams, levees, and erosion control structures is a promising approach toward restoring river system connectivity, processes, and ecology. Significant management challenges exist, however, related to removal of such structures that have already transformed riparian processes or societal perceptions. Here, we consider the effects of bank erosion infrastructure versus the benefits of allowing channel banks to erode in order to address the question: what should a restored river look like? The extent of channel bank infrastructure globally is unknown; nevertheless, it dominates rivers in most urban areas and is growing in rural areas as small projects merge and creeks and rivers are progressively channelized. Bank erosion control structures are usually installed to limit land loss and to reduce associated hazards. Structures are sometimes themselves considered restoration under the assumption that sediment erosion is bad for ecosystems. Geomorphic and ecological effects of bank erosion control structures are well understood, however, and include loss of sediment sources, bank substrate, dynamic geomorphic processes, and riparian habitat. Thus, a rationale for allowing eroding banks in restored rivers is as follows: 1) bank erosion processes are a component of system-scale channel adjustment needed to accommodate variable hydrology and sediment loads and to promote long-term stability; 2) bank erosion is a source of coarse and fine sediment to channels needed to maintain downstream bed elevations and topographic heterogeneity; and 3) bank erosion is a component of river migration, a process that promotes riparian vegetation succession and provides large woody material and morphologic diversity required to sustain habitat and riparian biodiversity. When structures that were originally intended to control or manage dynamic natural processes such as flooding and erosion are removed, not surprisingly, a return to dynamic processes may cause

  13. Mitigation and enhancement techniques for the Upper Mississippi River system and other large river systems

    Science.gov (United States)

    Schnick, Rosalie A.; Morton, John M.; Mochalski, Jeffrey C.; Beall, Jonathan T.

    1982-01-01

    Extensive information is provided on techniques that can reduce or eliminate the negative impact of man's activities (particularly those related to navigation) on large river systems, with special reference to the Upper Mississippi River. These techniques should help resource managers who are concerned with such river systems to establish sound environmental programs. Discussion of each technique or group of techniques include (1) situation to be mitigated or enhanced; (2) description of technique; (3) impacts on the environment; (4) costs; and (5) evaluation for use on the Upper Mississippi River Systems. The techniques are divided into four primary categories: Bank Stabilization Techniques, Dredging and Disposal of Dredged Material, Fishery Management Techniques, and Wildlife Management Techniques. Because techniques have been grouped by function, rather than by structure, some structures are discussed in several contexts. For example, gabions are discussed for use in revetments, river training structures, and breakwaters. The measures covered under Bank Stabilization Techniques include the use of riprap revetments, other revetments, bulkheads, river training structures, breakwater structures, chemical soil stabilizers, erosion-control mattings, and filter fabrics; the planting of vegetation; the creation of islands; the creation of berms or enrichment of beaches; and the control of water level and boat traffic. The discussions of Dredging and the Disposal of Dredged Material consider dredges, dredging methods, and disposal of dredged material. The following subjects are considered under Fishery Management Techniques: fish attractors; spawning structures; nursery ponds, coves, and marshes; fish screens and barriers; fish passage; water control structures; management of water levels and flows; wing dam modification; side channel modification; aeration techniques; control of nuisance aquatic plants; and manipulated of fish populations. Wildlife Management

  14. 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.

  15. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  16. The Influence of Large-scale Bank Roughness and Floodplain Composition on Spatial and Temporal Variations in Bank Erosion

    Science.gov (United States)

    Hackney, C. R.; Darby, S. E.; Leyland, J.; Aalto, R. E.; Best, J.; Parsons, D. R.; Nicholas, A. P.

    2016-12-01

    Knowledge of bank erosion processes and rates along the world's largest rivers remains incomplete, primarily due to the difficulties of obtaining data pertaining to the key driving processes (i.e., during the floods that drive most bank retreat). Recently, larger scale bank roughness elements (slump blocks and embayments) have been shown to impact upon rates and locations of bank erosion. However, a complete understanding of the way such features affect rates of bank erosion is currently hindered by the lack of detailed concurrent observations of slump block geometry, embayment geometry and flow at formative discharges in natural environments. Here, we report on high spatial resolution topographic (Terrestrial Laser Scanner and Multibeam Echo Souder) and flow (Acoustic Doppler Current Profiler) surveys undertaken on the Mekong River, Cambodia, from which we extract the geometric properties of roughness elements across a range of scales. We combine this data with sub-bottom profile data, revealing the composition of the surrounding floodplain, to link, for the first time, scales of bank roughness to bank material composition. Through the categorisation of a series of cut river banks by roughness geometry, we show how rates and locations of bank erosion are dependent on that roughness and associated bank material changes. We test how observed patterns of bank erosion conform to previously detailed models of embayment development, and provide new insight into processes affecting the retreat of large river banks.

  17. Preliminary assessment of channel stability and bed-material transport in the Rogue River basin, southwestern Oregon

    Science.gov (United States)

    Jones, Krista L.; O'Connor, Jim E.; Keith, Mackenzie K.; Mangano, Joseph F.; Wallick, J. Rose

    2012-01-01

    This report summarizes a preliminary assessment of bed-material transport, vertical and lateral channel changes, and existing datasets for the Rogue River basin, which encompasses 13,390 square kilometers (km2) along the southwestern Oregon coast. This study, conducted to inform permitting decisions regarding instream gravel mining, revealed that: * The Rogue River in its lowermost 178.5 kilometers (km) alternates between confined and unconfined segments, and is predominately alluvial along its lowermost 44 km. The study area on the mainstem Rogue River can be divided into five reaches based on topography, hydrology, and tidal influence. The largely confined, active channel flows over bedrock and coarse bed material composed chiefly of boulders and cobbles in the Grants Pass (river kilometers [RKM] 178.5-152.8), Merlin (RKM 152.8-132.7), and Galice Reaches (RKM 132.7-43.9). Within these confined reaches, the channel contains few bars and has stable planforms except for locally wider segments such as the Brushy Chutes area in the Merlin Reach. Conversely, the active channel flows over predominately alluvial material and contains nearly continuous gravel bars in the Lobster Creek Reach (RKM 43.9-6.7). The channel in the Tidal Reach (RKM 6.7-0) is also alluvial, but tidally affected and unconfined until RKM 2. The Lobster Creek and Tidal Reaches contain some of the most extensive bar deposits within the Rogue River study area. * For the 56.6-km-long segment of the Applegate River included in this study, the river was divided into two reaches based on topography. In the Upper Applegate River Reach (RKM 56.6-41.6), the confined, active channel flows over alluvium and bedrock and has few bars. In the Lower Applegate River Reach (RKM 41.6-0), the active channel alternates between confined and unconfined segments, flows predominantly over alluvium, shifts laterally in unconfined sections, and contains more numerous and larger bars. * The 6.5-km segment of the lower

  18. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; Scher, Mark J.

    1999-01-01

    Financial market recommendations for less industrialized economies, particularly in the wake of the recent financial crises, have included a push for more international financial competition. The entry of multinational banks (MNBs) into developing economies is supposed to create more market discipline for domestic banks, thus making them more efficient, and enhancing financial stability. Using data from the BIS and the IMF, we look at the determinants of MNB presence, at MNB activities, and t...

  19. REFORMING THE EUROPEAN FINANCIAL AND BANKING ARCHITECTURE IN THE CRISIS CONTEXT. THE BANKING UNION CONCEPT

    Directory of Open Access Journals (Sweden)

    Magdalena, RADULESCU

    2014-11-01

    Full Text Available Deep financial crisis which started in 2007 proved to be extremely contagious affecting the financial and banking EU system. Achieving an integrated banking market is the main component of the European policy in the financial-banking services area. The latest developments underlined that the difficulties faced by the banks can negatively impact on the entire financial stability of the member states. That's why, the European Central Bank will be entitled to supervise any bank of the euro area, especially the ones that benefit of public support. Reforming the financial and banking system must be shaped in the frame of insuring some durable national finances, of an urgent recapitalizing of the banks that need that and of elaborating some common fiscal and financial and banking regulations effective in the eurozone.

  20. Commercial Banks and Capital Regulation in the Early 20th Century US

    OpenAIRE

    Gou, Michael

    2017-01-01

    My dissertation investigates the effect of capital requirements on commercial banks and the impact of commercial bank suspensions on the United States economy during the early 20th century. The first chapter examines the effect of capital requirements on bank stability. The early 20th century United States provides an opportunity to determine whether imposing capital requirements on commercial banks promotes banking stability in the long run. The structure of the national banking system fac...

  1. 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...

  2. Banking competition and financial fragility: Evidence from panel-data

    OpenAIRE

    Ruiz-Porras, Antonio

    2007-01-01

    We study how banking competition may affect the stability of banking systems. We develop our study by expanding the failure-determinant methodology to include panel-data techniques and by controlling the effects of financial structure and development. We use indicators for 47 countries between 1990 and 1997. The main findings show that banking concentration and foreign ownership are associated to bank-based financial systems and financial underdevelopment. They also show that banking credit a...

  3. The Decline of Traditional Banking Activities

    Directory of Open Access Journals (Sweden)

    Gabriela Cornelia Piciu

    2011-05-01

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

  4. Remedial Action Plan and final design for stabilization of the inactive uranium mill tailings at Green River, Utah. Volume 1, Text, Appendices A, B, and C: Final report

    Energy Technology Data Exchange (ETDEWEB)

    Matthews, M.L. [USDOE Albuquerque Operations Office, NM (United States). Uranium Mill Tailings Remedial Action Project Office; Alkema, K. [Utah Dept. of Health, Salt Lake City, UT (United States). Environmental Health Div.

    1991-03-01

    This Remedial Action Plan (RAP) has been developed to serve a threefold purpose. It presents the series of activities that are proposed by the US Department of Energy (DOE) to accomplish long-term stabilization and control of radioactive materials at the inactive uranium processing site located near Green River, Utah. It provides a characterization of the present conditions of the site. It also serves to document the concurrence of the state of Utah and the US Nuclear Regulatory Commission (NRC) in the remedial action. This agreement, upon execution by the DOE and the state of Utah, and concurrence by the NRC, becomes Appendix 8 of the Cooperative Agreement.

  5. Can We Stabilize the Price of a Cryptocurrency?: Understanding the Design of Bitcoin and Its Potential to Compete with Central Bank Money

    OpenAIRE

    Iwamura, Mitsuru; Kitamura, Yukinobu; Matsumoto, Tsutomu; Saito, Kenji

    2014-01-01

    This paper discusses the potential and limitations of Bitcoin as a digital currency. Bitcoin as a digital asset has been extensively discussed from the viewpoints of engineering and security design. But there are few economic analyses of Bitcoin as a currency. Bitcoin was designed as a payments vehicle and as a store of value (or speculation). It has no use bar as money or currency. Despite recent enthusiasm for Bitcoin, it seems very unlikely that currencies provided by central banks are at ...

  6. 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...

  7. Artists of both banks of the Prut river participating in the exhibitions of the Biennale of Illustrations Bratislava (1967–2015

    Directory of Open Access Journals (Sweden)

    Vladimir Kravchenko

    2017-10-01

    Full Text Available The paper provides data on the almost fifty-year-long participation of artists from the Romanian cultural region in the BIB exhibitions, one of the world’s most prestigious. The issue has not been studied earlier because of the lack of scholarly interest in children’s book illustration. The paper examines artworks executed by professional artists from the left bank of the Prut or the Prut-Nistru area (the Moldavian Soviet Socialist Republic / the Republic of Moldova and the right bank of the Prut (the Romanian Socialist Republic / the Republic of Romania. Both regions are considered since they have a common literary folk heritage. In the paper, the illustrations are examined both in terms of the evolution of national traditions in illustrating children’s literature, and in terms of the impact of European art. Since the very beginning, the participation of artists has been conditioned by the publication of illustrations. Thus, any illustration presented at the BIB could be examined as an individual artwork, and also as a piece of book design. The organizers of the contest have been guided by the provisions of the Declaration of the Rights of the Child (1959, the Universal Copyright Convention (1952 and also the statements of the International Board on Books for Young (founded 1953 concerning support in publishing and distributing books for children around the world.

  8. Visualization of Flow Alternatives, Lower Missouri River

    Science.gov (United States)

    Jacobson, Robert B.; Heuser, Jeanne

    2002-01-01

    Background The U.S. Army Corps of Engineers (COE) 'Missouri River Master Water Control Manual' (Master Manual) review has resulted in consideration of many flow alternatives for managing the water in the river (COE, 2001; 1998a). The purpose of this report is to present flow-management alternative model results in a way that can be easily visualized and understood. This report was updated in October 2001 to focus on the specific flow-management alternatives presented by the COE in the 'Master Manual Revised Draft Environmental Impact Statement' (RDEIS; COE, 2001). The original version (February 2000) is available by clicking here. The COE, U.S. Fish and Wildlife Service (FWS), Missouri River states, and Missouri River basin tribes have been participating in discussions concerning water management of the Missouri River mainstem reservoir system (MRMRS), the Missouri River Bank Stabilization and Navigation Project, and the Kansas River reservoir system since 1986. These discussions include general input to the revision of the Master Manual as well as formal consultation under Section 7 of the Endangered Species Act. In 2000, the FWS issued a Biological Opinion that prescribed changes to reservoir management on the Missouri River that were believed to be necessary to preclude jeopardy to three endangered species, the pallid sturgeon, piping plover, and interior least tern (USFWS, 2000). The combined Missouri River system is large and complex, including many reservoirs, control structures, and free-flowing reaches extending over a broad region. The ability to assess future impacts of altered management scenarios necessarily involves complex, computational models that attempt to integrate physical, chemical, biological, and economic effects. Graphical visualization of the model output is intended to improve understanding of the differences among flow-management alternatives.

  9. Competitive implications of cross-border banking

    OpenAIRE

    Claessens, Stijn

    2006-01-01

    This paper reviews the recent literature on cross-border banking, with a focus on policy implications. Cross-border banking has increased sharply in recent decades, particularly in the form of entry, and has affected the development of financial systems, access to financial services, and stability. Reviewing the empirical literature, the author finds much, although not uniform, evidence that cross-border banking supports the development of an efficient and stable financial system that offers ...

  10. 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-.

  11. 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.

  12. The European Central Bank: The Bank that rules Europe?

    OpenAIRE

    Howarth, D.

    2009-01-01

    The power of the European Central Bank (ECB) is rooted in its independence established in the Maastricht Treaty of 1992. This power is reinforced though the bank’s monetary policy credibility—achieved through meeting its price stability mandate, whilst resisting political pressures to manipulate monetary policy to other ends. This credibility contributes to the ideational power of the ECB which is rooted in widespread support for price stability, one of the core objectives of Economic and Mon...

  13. Optimization of the bank's operating portfolio

    Science.gov (United States)

    Borodachev, S. M.; Medvedev, M. A.

    2016-06-01

    The theory of efficient portfolios developed by Markowitz is used to optimize the structure of the types of financial operations of a bank (bank portfolio) in order to increase the profit and reduce the risk. The focus of this paper is to check the stability of the model to errors in the original data.

  14. Soil seed bank during succession at an abandoned pasture in the upper Paraná river-floodplain, Brazil - doi: 10.4025/actascibiolsci.v33i1.6391 Soil seed bank during succession at an abandoned pasture in the upper Paraná river-floodplain, Brazil - doi: 10.4025/actascibiolsci.v33i1.6391

    Directory of Open Access Journals (Sweden)

    João Batista Campos

    2011-02-01

    Full Text Available We evaluated density and species composition of the soil seed bank in active pasture and in secondary forest on a 10 year-old abandoned pasture to identify changes in density, richness, diversity and species composition during secondary succession of abandoned pastures. The implications of those changes for the forest recovery process were also considered. Soil samples were collected at Porto Rico island, state of Paraná, in 2007. The seedling emergence method was used. Data on active pasture collected in 1996, published by Campos and Souza (2003 were used for comparative analysis. No evidence was found of a pattern of changes in density of the soil seed bank during succession of abandoned pastures. We observed increases in richness and diversity, in the contribution of tree and shrub species and dominance of herb species for the seed bank during the first 10 years of abandonment of pastures in riparian forests. At the end of succession, the soil used as pasture can result in systems that are different from the original environment, due to seed bank impoverishment and presence of exotic species.We evaluated density and species composition of the soil seed bank in active pasture and in secondary forest on a 10 year-old abandoned pasture to identify changes in density, richness, diversity and species composition during secondary succession of abandoned pastures. The implications of those changes for the forest recovery process were also considered. Soil samples were collected at Porto Rico island, state of Paraná, in 2007. The seedling emergence method was used. Data on active pasture collected in 1996, published by Campos and Souza (2003 were used for comparative analysis. No evidence was found of a pattern of changes in density of the soil seed bank during succession of abandoned pastures. We observed increases in richness and diversity, in the contribution of tree and shrub species and dominance of herb species for the seed bank during the

  15. Hydro-mechanically coupled finite-element analysis of the stability of a fractured-rock slope using the equivalent continuum approach: a case study of planned reservoir banks in Blaubeuren, Germany

    Science.gov (United States)

    Song, Jie; Dong, Mei; Koltuk, Serdar; Hu, Hui; Zhang, Luqing; Azzam, Rafig

    2017-12-01

    Construction works associated with the building of reservoirs in mountain areas can damage the stability of adjacent valley slopes. Seepage processes caused by the filling and drawdown operations of reservoirs also affect the stability of the reservoir banks over time. The presented study investigates the stability of a fractured-rock slope subjected to seepage forces in the lower basin of a planned pumped-storage hydropower (PSH) plant in Blaubeuren, Germany. The investigation uses a hydro-mechanically coupled finite-element analyses. For this purpose, an equivalent continuum model is developed by using a representative elementary volume (REV) approach. To determine the minimum required REV size, a large number of discrete fracture networks are generated using Monte Carlo simulations. These analyses give a REV size of 28 × 28 m, which is sufficient to represent the equivalent hydraulic and mechanical properties of the investigated fractured-rock mass. The hydro-mechanically coupled analyses performed using this REV size show that the reservoir operations in the examined PSH plant have negligible effect on the adjacent valley slope.

  16. Hydro-mechanically coupled finite-element analysis of the stability of a fractured-rock slope using the equivalent continuum approach: a case study of planned reservoir banks in Blaubeuren, Germany

    Science.gov (United States)

    Song, Jie; Dong, Mei; Koltuk, Serdar; Hu, Hui; Zhang, Luqing; Azzam, Rafig

    2018-05-01

    Construction works associated with the building of reservoirs in mountain areas can damage the stability of adjacent valley slopes. Seepage processes caused by the filling and drawdown operations of reservoirs also affect the stability of the reservoir banks over time. The presented study investigates the stability of a fractured-rock slope subjected to seepage forces in the lower basin of a planned pumped-storage hydropower (PSH) plant in Blaubeuren, Germany. The investigation uses a hydro-mechanically coupled finite-element analyses. For this purpose, an equivalent continuum model is developed by using a representative elementary volume (REV) approach. To determine the minimum required REV size, a large number of discrete fracture networks are generated using Monte Carlo simulations. These analyses give a REV size of 28 × 28 m, which is sufficient to represent the equivalent hydraulic and mechanical properties of the investigated fractured-rock mass. The hydro-mechanically coupled analyses performed using this REV size show that the reservoir operations in the examined PSH plant have negligible effect on the adjacent valley slope.

  17. Pollution control costs of a transboundary river basin: Empirical tests of the fairness and stability of cost allocation mechanisms using game theory.

    Science.gov (United States)

    Shi, Guang-Ming; Wang, Jin-Nan; Zhang, Bing; Zhang, Zhe; Zhang, Yong-Liang

    2016-07-15

    With rapid economic growth, transboundary river basin pollution in China has become a very serious problem. Based on practical experience in other countries, cooperation among regions is an economic way to control the emission of pollutants. This study develops a game theoretic simulation model to analyze the cost effectiveness of reducing water pollutant emissions in four regions of the Jialu River basin while considering the stability and fairness of four cost allocation schemes. Different schemes (the nucleolus, the weak nucleolus, the Shapley value and the Separable Cost Remaining Benefit (SCRB) principle) are used to allocate regionally agreed-upon water pollutant abatement costs. The main results show that the fully cooperative coalition yielded the highest incremental gain for regions willing to cooperate if each region agreed to negotiate by transferring part of the incremental gain obtained from the cooperation to cover the losses of other regions. In addition, these allocation schemes produce different outcomes in terms of their fairness to the players and in terms of their derived stability, as measured by the Shapley-Shubik Power Index and the Propensity to Disrupt. Although the Shapley value and the SCRB principle exhibit superior fairness and stabilization to the other methods, only the SCRB principle may maintains full cooperation among regions over the long term. The results provide clear empirical evidence that regional gain allocation may affect the sustainability of cooperation. Therefore, it is implied that not only the cost-effectiveness but also the long-term sustainability should be considered while formulating and implementing environmental policies. Copyright © 2016 Elsevier Ltd. All rights reserved.

  18. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

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

  19. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

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

  20. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

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

  1. Mobile bank conditions for laminar microrivers

    OpenAIRE

    Devauchelle , Olivier; Josserand , Christophe; Lagrée , Pierre-Yves; Zaleski , Stéphane

    2008-01-01

    International audience; The present study aims to establish a simple mechanistic model for river bank erosion. Recent experiments demonstrate that small-scale laminar flumes can develop erosion structures similar to those encountered in Nature. From the Saint-Venant Equations, a classical sediment transport law and a simple avalanche model, it is shown that bank failure caused by flow erosion can be represented through simple boundary conditions. These conditions are able to deal with the wat...

  2. 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…

  3. Transformation of the Polish Banking Sector

    Directory of Open Access Journals (Sweden)

    Marek Stefański

    2009-07-01

    Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single

  4. The European Central Bank : Independence, accountability and strategy: A review

    NARCIS (Netherlands)

    De Haan, J

    1997-01-01

    This paper reviews research on central banking and monetary policy, with special emphasis on the position of the future European Central Bank. Nowadays, it is often thought that an independent central bank with an explicit mandate to aim for price stability constitutes an important institutional

  5. 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...

  6. Process of Internationalization in Islamic Banking: The Case of Serbia

    Directory of Open Access Journals (Sweden)

    Aida Hanić

    2017-12-01

    Full Text Available Islamic banks are financial institutions operating in accordance with religious Islamic law (Sharia. Although it is familiar as non interest banking, because the interest is forbidden, Islamic banking represents a complete set of moral and ethical activities that must be taken into account when making investment decisions and financing business activities. Share of Islamic banking in Islamic finance is around 80% with the value of approximately $ 1.57 trillion by the end of 2015 (IFSI Stability Report 2016. Islamic banking in Western Balkan is present only in Bosnia and Herzegovina (B&H that has one Islamic bank, Bosna Bank International (BBI established in 2000. Serbia, as a country that has attracted many Arab investors, doesn’t have any Islamic bank operating in the country. The aim of this research is to explore is there a public interest in Islamic banking, especially among the commercial banks in Serbia and are there possibilities for development of Islamic banking in this country. To explore these two main questions, author conducted a research by using a questionnaire among the chairmen and members of the administrative Board of 12 commercial banks in Serbia. The result of the research show that commercial banks in Serbia are not interested in this type of a banking activity. On the other hand they are also not sufficiently familiar with the concept of Islamic banking. The research showed that process of internationalization of Islamic banking is not present in Serbia.

  7. History of river regulation of the Noce River (NE Italy) and related bio-morphodynamic responses

    Science.gov (United States)

    Serlet, Alyssa; Scorpio, Vittoria; Mastronunzio, Marco; Proto, Matteo; Zen, Simone; Zolezzi, Guido; Bertoldi, Walter; Comiti, Francesco; Prà, Elena Dai; Surian, Nicola; Gurnell, Angela

    2016-04-01

    The Noce River is a hydropower-regulated Alpine stream in Northern-East Italy and a major tributary of the Adige River, the second longest Italian river. The objective of the research is to investigate the response of the lower course of the Noce to two main stages of hydromorphological regulation; channelization/ diversion and, one century later, hydropower regulation. This research uses a historical reconstruction to link the geomorphic response with natural and human-induced factors by identifying morphological and vegetation features from historical maps and airborne photogrammetry and implementing a quantitative analysis of the river response to channelization and flow / sediment supply regulation related to hydropower development. A descriptive overview is presented. The concept of evolutionary trajectory is integrated with predictions from morphodynamic theories for river bars that allow increased insight to investigate the river response to a complex sequence of regulatory events such as development of bars, islands and riparian vegetation. Until the mid-19th century the river had a multi-thread channel pattern. Thereafter (1852) the river was straightened and diverted. Upstream of Mezzolombardo village the river was constrained between embankments of approximately 100 m width while downstream they are of approximately 50 m width. Since channelization some interesting geomorphic changes have appeared in the river e.g. the appearance of alternate bars in the channel. In 1926 there was a breach in the right bank of the downstream part that resulted in a multi-thread river reach which can be viewed as a recovery to the earlier multi-thread pattern. After the 1950's the flow and sediment supply became strongly regulated by hydropower development. The analysis of aerial images reveals that the multi-thread reach became progressively stabilized by vegetation development over the bars, though signs of some dynamics can still be recognizable today, despite the

  8. Study of Absorption and Distribution of Mercury in Nerium Oleander L. on Banks of the Valdeazogues River (Chillon Station- Ciudad Real)

    International Nuclear Information System (INIS)

    Lopez-Tejedor, I.; Sierra, M. J.; Rodriguez, J.; Millan, R.

    2010-01-01

    The main objective of this study is to determine the absorption and distribution of mercury in oleander (Nerium oleander L.) in the Valdeazogues river, located within the mining regions of Almaden (Ciudad Real). The results show that total mercury concentrations in soil range from 116,7 ±24,3 to 350,9 ± 68,6 mg kg - 1 of Hg, but the readily available fraction (soluble + exchangeable) is very low (from 0,013 to 0,017 ± 0,257 ± 0,000 mg Hg kg - 1: less than 0,16% of the total concentration of mercury measured directly on the soil sample).The distribution of mercury absorbed by N. oleander is not homogeneous throughout the aerial part. In general, the concentration is significantly higher in the leaves followed by stems and fruits. According to the results, although the concentration of mercury in the plant is not very high (Leaves: 0,282 ±0,014-1,022 ± 0,110 mg Kg - 1; Stems: 0,087 ± 0,011-0,354 ± 0,046 mg Kg - 1; Fruits: 0,030 ± 0,003-0,077 ± 0,009 mg Kg - 1), oleander has a number of characteristics (high biomass, toxicity, non-edible) that could turn into a future candidate as phyto extraction of mercury in decontamination processes. (Author) 67 refs.

  9. Seasonal variations in composite riverbank stability in the Lower Jingjiang Reach, China

    Science.gov (United States)

    Xia, Junqiang; Zong, Quanli; Deng, Shanshan; Xu, Quanxi; Lu, Jinyou

    2014-11-01

    Bank erosion is a key process in a fluvial system in the context of river dynamics and geomorphology. Since the operation of the Three Gorges Project (TGP), the Lower Jingjiang Reach (LJR) below the dam has experienced continuous channel degradation, with the phenomenon of bank erosion occurring frequently in local reaches. Therefore it is necessary to quantitatively investigate seasonal variations in the stability of composite riverbanks along the reach in order to better understand the fluvial processes in the reach. Laboratory tests were conducted for the sampled soils at six riverbanks during a field survey, with various bank soil properties being presented for the first time. These test results show that: the cohesive bank soils are relatively loose due to the high water contents of 28.5-40.0% and the low dry densities of 1.31-1.47 tonnes/m3; and the cohesion or angle of internal friction generally decreases with an increase in water content of the cohesive soil. Based on the measured cross-sectional profiles and interpolated hydrological data, the near-bank hydrodynamic conditions and soil parameters of two typical composite riverbanks were then determined during the 2007 hydrological year. An improved method was proposed for calculating the stability at the mode of cantilever failure for the overhanging block of a composite riverbank, and the stability degrees of these two riverbanks were calculated at different stages. These results reveal that: (i) the incipient velocity of the non-cohesive lower bank had a magnitude of 0.4 m/s, less than the mean near-bank velocity of about 1.0 m/s, which led to intensive basal erosion especially during the flood season; (ii) the cohesive upper bank before failure had sufficient strength to resist direct fluvial erosion, but the failed soil mass deposited in the near-bank zone was disintegrated easily with the submerged immersion and was then transported downstream by fluvial entrainment; (iii) the degree of bank

  10. Quality indicators for eye bank

    Directory of Open Access Journals (Sweden)

    Manisha Acharya

    2018-01-01

    Full Text Available Purpose: The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Methods: Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions – “result quality” and “process quality.” The indicators were measured and tracked as part of quality assurance (QA program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011–2016. Results: Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%, discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. Conclusion: These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

  11. Quality indicators for eye bank.

    Science.gov (United States)

    Acharya, Manisha; Biswas, Saurabh; Das, Animesh; Mathur, Umang; Dave, Abhishek; Singh, Ashok; Dubey, Suneeta

    2018-03-01

    The aim of this study is to identify quality indicators of the eye bank and validate their effectivity. Adverse reaction rate, discard rate, protocol deviation rate, and compliance rate were defined as Quality Indicators of the eye bank. These were identified based on definition of quality that captures two dimensions - "result quality" and "process quality." The indicators were measured and tracked as part of quality assurance (QA) program of the eye bank. Regular audits were performed to validate alignment of standard operating procedures (SOP) with regulatory and surgeon acceptance standards and alignment of activities performed in the eye bank with the SOP. Prospective study of the indicators was performed by comparing their observed values over the period 2011-2016. Adverse reaction rate decreased more than 8-fold (from 0.61% to 0.07%), discard rate decreased and stabilized at 30%, protocol deviation rate decreased from 1.05% to 0.08%, and compliance rate reported by annual quality audits improved from 59% to 96% at the same time. In effect, adverse reaction rate, discard rate, and protocol deviation rate were leading indicators, and compliance rate was the trailing indicator. These indicators fulfill an important gap in available literature on QA in eye banking. There are two ways in which these findings can be meaningful. First, eye banks which are new to quality measurement can adopt these indicators. Second, eye banks which are already deeply engaged in quality improvement can test these indicators in their eye bank, thereby incorporating them widely and improving them over time.

  12. Six Dimension Strategy As A Basis Of Banking Standard Contract

    Directory of Open Access Journals (Sweden)

    Wulanmas Frederik

    2012-01-01

    Full Text Available Indonesia banking based on Article 4 of Act No.10, 1998, aims at supporting the implementation of national development in order to improve equity, economic growth and national stability in the direction of improving people’s welfare. Therefore, to show how important is banking role in supporting the implementation of development, the 6 (six Strategic Dimensions as the foundation of Banking Standards Contract are: (1. Prudent Banking Supervision and Good Corporate Governance (GCG in banking activities, (2. Refunctionalization the principle of Contract Law in Banking Standards Contract, (3. Ethics Value in Business, (4. The Act No. 8, 1999 on Consumer Protection, (5. Enforcement of Human Rights Principles in banking activities, (6. Abuse of Circumstances implementations (Misbruik van Omstandigheden in banking Contract. Based on the 6 (six Strategic Dimension as the foundation of Banking Standard Contract, it will undoubtedly create justice, equity and assurance of the rights and obligations of the parties framed in the contractual and law bonds.

  13. Area-based historical modeling of the effects of the river bank regulation on the potential abundance of eleven mosquito species in the River Danube between Hungary and Slovakia

    Directory of Open Access Journals (Sweden)

    Attila Trájer

    2015-11-01

    Full Text Available The construction of reservoirs and hydropower plants was accelerated in the past century due to the increasing aridity in many parts of the world. The effect of water regulations on the abundance of mosquito vectors is controversial. In this paper, the habitat preference of mosquitoes was investigated based on a 30-years long collection of the mosquito data in Hungary and military maps and satellite images. Three time phases of the analyzed section in the Danube River were analyzed in order to characterize the impact of human influence on mosquito habitats: the semi-natural phase, the post channelization phase and the post hydropower dam state. Geographical data referring to the years 1790, 1820, 1830, 1870, 1946 and 1955 were based on military maps, whereas the years 2004 and 2013 were analyzed by satellite imagery. The Amoros-like eupotamon A - plesiopotamon line represents an increasing gradient of habitat-suitability for mosquitoes. The habitat-preference of different mosquitoes to the Amoros-classified water habitats was based on a monographic collection data. This dataset contains the collecting and trapping results from the 1960s to the early 2000s in Hungary. We found that human-induced changes had prolonged impact on mosquito-suitable habitats, although the effect can be different for diverse mosquito species. The increase of the evenness of the mosquito fauna was seen since the mid-20th century, after the primary river regulation. The increasing areal extension of relatively warm and nutrient-rich water habitats had positive effects on the more rare members of the mosquito fauna, such as the potential malaria vector mosquito Anopheles algeriensis according to the model results. Summarizing, we found a strong, positive link between anthropogenic interventions and the mosquito diversity in water ecosystems.

  14. 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.

  15. 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...

  16. 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.

  17. Carrying the (paper) burden: A portfolio view of systemic risk and optimal bank size

    NARCIS (Netherlands)

    Bos, J.W.B.; Lamers, M.; Purice, V.

    2014-01-01

    We examine the relationship between bank size and financial stability by viewing the supervisor of a banking system as an ‘investor’ holding a portfolio of banks. Based on this view, we investigate the role of large banks in determining the systemic risk in this portfolio. Our results, based on book

  18. 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.

  19. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  20. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

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

  1. Success is in the bank

    Science.gov (United States)

    de Vincent-Humphreys, Rupert

    2008-05-01

    As the nation's central bank, the Bank of England is committed to promoting and maintaining monetary and financial stability. Broadly speaking, this means that it sets the interest rate at a level such that the economy should meet the UK government's 2% inflation target in the medium term, and it analyses the financial system to identify and reduce systemic risks to the country's financial infrastructure. The Bank also performs several other critical functions, including managing the approximately £42bn worth of banknotes in circulation and managing the nation's foreign-currency reserves - a multicurrency fund worth some £23bn. As a physicist, I find that I can make a full contribution to this work.

  2. Lidar quantification of bank erosion in Blue Earth County, Minnesota.

    Science.gov (United States)

    Kessler, A C; Gupta, S C; Dolliver, H A S; Thoma, D P

    2012-01-01

    Sediment and phosphorus (P) transport from the Minnesota River Basin to Lake Pepin on the upper Mississippi River has garnered much attention in recent years. However, there is lack of data on the extent of sediment and P contributions from riverbanks vis-à-vis uplands and ravines. Using two light detection and ranging (lidar) data sets taken in 2005 and 2009, a study was undertaken to quantify sediment and associated P losses from riverbanks in Blue Earth County, Minnesota. Volume change in river valleys as a result of bank erosion amounted to 1.71 million m over 4 yr. Volume change closely followed the trend: the Blue Earth River > the Minnesota River at the county's northern edge > the Le Sueur River > the Maple River > the Watonwan River > the Big Cobb River > Perch Creek > Little Cobb River. Using fine sediment content (silt + clay) and bulk density of 37 bank samples representing three parent materials, we estimate bank erosion contributions of 48 to 79% of the measured total suspended solids at the mouth of the Blue Earth and the Le Sueur rivers. Corresponding soluble P and total P contributions ranged from 0.13 to 0.20% and 40 to 49%, respectively. Although tall banks (>3 m high) accounted for 33% of the total length and 63% of the total area, they accounted for 75% of the volume change in river valleys. We conclude that multitemporal lidar data sets are useful in estimating bank erosion and associated P contributions over large scales, and for riverbanks that are not readily accessible for conventional surveying equipment. Copyright © by the American Society of Agronomy, Crop Science Society of America, and Soil Science Society of America, Inc.

  3. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

  4. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

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

    African Journals Online (AJOL)

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

  6. Bank Governance

    OpenAIRE

    Laura Ard; Alexander Berg

    2010-01-01

    Principles of good governance have been a major component of international financial standards and are seen as essential to the stability and integrity of financial systems. Over the past 10 years much energy and attention have gone to improving the ability of company boards, managers, and owners to prudently navigate rapidly changing and volatile market conditions. So, how to explain the ...

  7. Microscale Insight into Microbial Seed Banks.

    Science.gov (United States)

    Locey, Kenneth J; Fisk, Melany C; Lennon, J T

    2016-01-01

    Microbial dormancy leads to the emergence of seed banks in environmental, engineered, and host-associated ecosystems. These seed banks act as reservoirs of diversity that allow microbes to persist under adverse conditions, including extreme limitation of resources. While microbial seed banks may be influenced by macroscale factors, such as the supply of resources, the importance of microscale encounters between organisms and resource particles is often overlooked. We hypothesized that dimensions of spatial, trophic, and resource complexity determine rates of encounter, which in turn, drive the abundance, productivity, and size of seed banks. We tested this using >10,000 stochastic individual based models (IBMs) that simulated energetic, physiological, and ecological processes across combinations of resource, spatial, and trophic complexity. These IBMs allowed realistic dynamics and the emergence of seed banks from ecological selection on random variation in species traits. Macroscale factors like the supply and concentration of resources had little effect on resource encounter rates. In contrast, encounter rates were strongly influenced by interactions between dispersal mode and spatial structure, and also by the recalcitrance of resources. In turn, encounter rates drove abundance, productivity, and seed bank dynamics. Time series revealed that energetically costly traits can lead to large seed banks and that recalcitrant resources can lead to greater stability through the formation of seed banks and the slow consumption of resources. Our findings suggest that microbial seed banks emerge from microscale dimensions of ecological complexity and their influence on resource limitation and energetic costs.

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

    OpenAIRE

    Ross Levine

    2003-01-01

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

  9. 77 FR 3774 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

    Science.gov (United States)

    2012-01-25

    ..., Dupont, Indiana. River Valley Financial Bank, Madison, Indiana, the existing thrift subsidiary of... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Bank Holding Companies The companies listed in this notice have applied to the Board for approval, pursuant to the Bank Holding Company...

  10. 78 FR 29091 - Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC

    Science.gov (United States)

    2013-05-17

    ...-AA00 Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC AGENCY: Coast Guard, DHS... the Outer Banks Bluegrass Festival. This action is necessary to protect the life and property of the... vessels from a portion of Shallowbag Bay River during the Outer Banks Bluegrass Festival Fireworks display...

  11. Tides Stabilize Deltas until Humans Interfere

    Science.gov (United States)

    Hoitink, T.; Zheng Bing, W.; Vermeulen, B.; Huismans, Y.; Kastner, K.

    2017-12-01

    Despite global concerns about river delta degradation caused by extraction of natural resources, sediment retention by reservoirs and sea-level rise, human activity in the world's largest deltas intensifies. In this review, we argue that tides tend to stabilize deltas until humans interfere. Under natural circumstances, delta channels subject to tides are more stable than their fluvial-dominated counterparts. The oscillatory tidal flow counteracts the processes responsible for bank erosion, which explains why unprotected tidal channels migrate only slowly. Peak river discharges attenuate the tides, which creates storage space to accommodate the extra river discharge during extreme events and as a consequence, reduce flood risk. With stronger tides, the river discharge is being distributed more evenly over the various branches in a delta, preventing silting up of smaller channels. Human interference in deltas is massive. Storm surge barriers are constructed, new land is being reclaimed and large-scale sand excavation takes place, to collect building material. Evidence from deltas around the globe shows that in human-controlled deltas the tidal motion often plays a destabilizing role. In channels of the Rhine-Meuse Delta, some 100 scour holes are identified, which relates to the altered tidal motion after completion of a storm surge barrier. Sand mining has led to widespread river bank failures in the tidally-influenced Mekong Delta. The catastrophic flood event in the Gauges-Brahmaputra Delta by Cyclone Aila, which caused the inundation of an embanked polder area for over two years, was preceded by river bank erosion at the mouths of formal tidal channels that were blocked by the embankment. Efforts to predict the developments of degrading deltas are few. Existing delta models are capable of reproducing expanding deltas, which is essentially a matter of simulating the transport of sediment from source in a catchment to the sink in a delta. Processes of soil

  12. 33 CFR 165.150 - New Haven Harbor, Quinnipiac River, Mill River.

    Science.gov (United States)

    2010-07-01

    ... River, Mill River. 165.150 Section 165.150 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF... New Haven Harbor, Quinnipiac River, Mill River. (a) The following is a regulated navigation area: The... 303°T to point D at the west bank of the mouth of the Mill River 41°18′05″ N, 72°54′23″ W thence south...

  13. 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

  14. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  15. 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’

  16. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  17. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  18. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  19. TECHNICAL BASIS FOR DOE STANDARD 3013 EQUIVALENCY SUPPORTING REDUCED TEMPERATURE STABILIZATION OF OXALATE-DERIVED PLUTONIUM OXIDE PRODUCED BY THE HB-LINE FACILITY AT SAVANNAH RIVER SITE

    Energy Technology Data Exchange (ETDEWEB)

    Duffey, J.; Livingston, R.; Berg, J.; Veirs, D.

    2012-07-02

    The HB-Line (HBL) facility at the Savannah River Site (SRS) is designed to produce high-purity plutonium dioxide (PuO{sub 2}) which is suitable for future use in production of Mixed Oxide (MOX) fuel. The MOX Fuel Fabrication Facility (MFFF) requires PuO{sub 2} feed to be packaged per the U.S. Department of Energy (DOE) Standard 3013 (DOE-STD-3013) to comply with the facility's safety basis. The stabilization conditions imposed by DOE-STD-3013 for PuO{sub 2} (i.e., 950 C for 2 hours) preclude use of the HBL PuO{sub 2} in direct fuel fabrication and reduce the value of the HBL product as MFFF feedstock. Consequently, HBL initiated a technical evaluation to define acceptable operating conditions for production of high-purity PuO{sub 2} that fulfills the DOE-STD-3013 criteria for safe storage. The purpose of this document is to demonstrate that within the defined operating conditions, the HBL process will be equivalent for meeting the requirements of the DOE-STD-3013 stabilization process for plutonium-bearing materials from the DOE complex. The proposed 3013 equivalency reduces the prescribed stabilization temperature for high-purity PuO{sub 2} from oxalate precipitation processes from 950 C to 640 C and places a limit of 60% on the relative humidity (RH) at the lowest material temperature. The equivalency is limited to material produced using the HBL established flow sheet, for example, nitric acid anion exchange and Pu(IV) direct strike oxalate precipitation with stabilization at a minimum temperature of 640 C for four hours (h). The product purity must meet the MFFF acceptance criteria of 23,600 {micro}g/g Pu (i.e., 2.1 wt %) total impurities and chloride content less than 250 {micro}g/g of Pu. All other stabilization and packaging criteria identified by DOE-STD-3013-2012 or earlier revisions of the standard apply. Based on the evaluation of test data discussed in this document, the expert judgment of the authors supports packaging the HBL product under a 3013

  20. Heterogeneity across emerging market central bank reaction functions

    Directory of Open Access Journals (Sweden)

    Mesut Turkay

    2017-09-01

    Full Text Available The purpose of this study is to analyze monetary policy reaction functions of inflation targeting emerging market economies. Heterogeneity across central bank behavior is modelled using dynamic common correlated effects estimator in a panel data framework of 15 countries. The empirical method allows us to obtain country specific coefficients and shows differences across central bank reaction functions. Model results imply that central banks behave according to an extended Taylor rule and respond to deviation of inflation from the target, output gap, real exchange rate and external financial conditions. The study finds that emerging market central banks consider not only price stability, but also financial stability in setting of interest rates.

  1. Prediction of Banking Systemic Risk Based on Support Vector Machine

    Directory of Open Access Journals (Sweden)

    Shouwei Li

    2013-01-01

    Full Text Available Banking systemic risk is a complex nonlinear phenomenon and has shed light on the importance of safeguarding financial stability by recent financial crisis. According to the complex nonlinear characteristics of banking systemic risk, in this paper we apply support vector machine (SVM to the prediction of banking systemic risk in an attempt to suggest a new model with better explanatory power and stability. We conduct a case study of an SVM-based prediction model for Chinese banking systemic risk and find the experiment results showing that support vector machine is an efficient method in such case.

  2. 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...

  3. Securities and banking: bridges and walls

    Directory of Open Access Journals (Sweden)

    Tommaso Padoa-Schioppa

    2002-09-01

    Full Text Available The paper examines the relationship between banking and securities activities in the light of financial market developments (securitisation, institutionalization of investment, emergence of complex financial instruments, conglomeration and consolidation, with particular reference to Europe. The enhanced links between banking and securitiesbusinesses have generated increased and new risks to financial institutions. However, banks' stability remains crucial for the stability of the financial system as a whole, because of their unique role as provider of liquidity. The paper also addresses the implications of the banking-securities combination for regulatory and supervisory arrangements. The exporting of prudential requirements traditional in banking (such as capital ratios into the securities field, and the importing of securities regulation (such as transparency requirements into the banking sector, can be deemed mutually beneficial. As regards supervision, there is a need to monitor the continued effectiveness of the current framework. This entails strengthening co-operation both at the national level and on a cross-border basis among sectoral supervisors in the micro-prudential field, and between them and central banks in the macro-prudential field.

  4. Equilibrium depth of scour at straight guide banks

    Science.gov (United States)

    Gjunsburgs, B.; Bulankina, V.

    2017-10-01

    The equilibrium stage of scour at the head of straight guide banks with a uniform and stratified bed conditions have been studied. The contraction of the river by bridge crossing with straight guide banks considerably alters the flow pattern. The streamlines become curve and the concentration of streamlines, longitudinal and transverse slopes of the water surface, a local increase in velocity, vortex and eddy structures, and the origin of a flow separation zone between the extreme streamlines and the guide bank are observed and local scour is developing at the head of the straight guide banks. New formulae for calculation of equilibrium depth of scour at straight guide banks at uniform and stratified river bed is elaborated and confirmed by tests and computer modelling results.

  5. Understanding Single-Thread Meandering Rivers with High Sinuosity on Mars through Chemical Precipitation Experiments

    Science.gov (United States)

    Lim, Y.; Kim, W.

    2015-12-01

    Meandering rivers are extremely ubiquitous on Earth, yet it is only recently that single-thread experimental channels with low sinuosity have been created. In these recent experiments, as well as in natural rivers, vegetation plays a crucial role in maintaining a meandering pattern by adding cohesion to the bank and inhibiting erosion. The ancient, highly sinuous channels found on Mars are enigmatic because presumably vegetation did not exist on ancient Mars. Under the hypothesis that Martian meandering rivers formed by chemical precipitation on levees and flood plain deposits, we conducted carbonate flume experiments to investigate the formation and evolution of a single-thread meander pattern without vegetation. The flow recirculating in the flume is designed to accelerate chemical reactions - dissolution of limestone using CO2 gas to produce artificial spring water and precipitation of carbonates to increase cohesion- with precise control of water discharge, sediment discharge, and temperature. Preliminary experiments successfully created a single-thread meandering pattern through chemical processes. Carbonate deposits focused along the channel sides improved the bank stability and made them resistant to erosion, which led to a stream confined in a narrow path. The experimental channels showed lateral migration of the bend through cut bank and point bar deposits; intermittent floods created overbank flow and encouraged cut bank erosion, which enhanced lateral migration of the channel, while increase in sediment supply improved lateral point bar deposition, which balanced erosion and deposition rates. This mechanism may be applied to terrestrial single-thread and/or meandering rivers with little to no vegetation or before its introduction to Earth and also provide the link between meandering river records on Mars to changes in Martian surface conditions.

  6. Rivers running deep : complex flow and morphology in the Mahakam River, Indonesia

    NARCIS (Netherlands)

    Vermeulen, B.

    2014-01-01

    Rivers in tropical regions often challenge our geomorphological understanding of fluvial systems. Hairpin bends, natural scours, bifurcate meander bends, tie channels and embayments in the river bank are a few examples of features ubiquitous in tropical rivers. Existing observation techniques

  7. Stability and spatio-temporal structure in fish assemblages of two floodplain lagoons of the lower Orinoco River

    Directory of Open Access Journals (Sweden)

    Nirson González

    Full Text Available Fish assemblage structure and variability were analyzed in two floodplain lagoons (Las Arhuacas and Los Cardonales along the lower Orinoco over a hydrological cycle. Every three months during continuous three-day sampling, experimental gill nets (5 to 12.5 cm of mesh opening and 1 mm-mesh seine nets were utilized according to the types of habitats presents. A total of 133 fish species were found in Las Arhuacas and 95 species in Cardonales. Fifty five and 17 species were exclusive to Las Arhuacas and Los Cardonales respectively, and 77 were common to both lagoons. In Las Arhuacas, the most speciesrich orders were Characiformes, Siluriformes, Perciformes and Gymnotiformes and in Los Cardonales, the most species-rich orders were Characiformes, Siluriformes, Clupeiformes and Perciformes. The richness, abundance and biomass were significantly higher (p < 0.001 in Arhuacas than in Cardonales. In general, the fishes assemblage was highly variable during the high water phase and moderately stable during low water phase in both lagoons, with more stability or less variability in Cardonales than Arhuacas. Also, there were significant differences in the fish assemblages between the two lagoons, mainly during low waters (ANOSIM; p < 0.001. The species that contributed most to the mean dissimilarity between the lagoons were Hypostomus argus, Aphanotorulus ammophilus, Potamorhina altamazonica, Prochilodus mariae, Loricaria gr. cataphracta, Oxydoras sifontesi, Hydrolycus armatus, Hyphopthalmus edentatus and Pterodoras rivasi. The last four species were more commonly collected in Los Cardonales. Also, the species of small size (mainly SL < 5 cm such as Rhinosardinia amazonica, Moenkhausia sp. 1 "lepidura", Moenkhausia sp. 2, Aphyocharax alburnus, Characidium sp. 1, Moenkhausia sp. 3, Exodon paradoxus and Roeboides dientonito contributed to the mean dissimilarity among the beach and aquatic vegetation habitats. The patterns of the species assemblage

  8. Prospects of implementation of "Basel III" international standards for domestic banks based on international experience

    Directory of Open Access Journals (Sweden)

    Baha Oksana

    2016-04-01

    Full Text Available This article summarizes the main requirements of the "Basel III" new standards in the context of banks capital regulation and identifies prospects for implementation of domestic banks based on analysis of international experience. The urgency of the problem is formulated in the need to restore the stability of the banking system of Ukraine with the new standards, which purpose is to increase the stability of banks and to protect the rights of financial services consumers. The main threats faced by the banking systems of developed countries and possible for the Ukrainian financial system were determined. The ways of achieving maximum benefits of new banking reform introduction were proposed.

  9. 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

  10. Magnitude and processes of bank erosion at a small stream in Denmark

    DEFF Research Database (Denmark)

    Veihe, Anita; Jensen, Niels H.; Schiøtz, Iris Gunia

    2011-01-01

    River banks are important sources of sediment and phosphorus to fluvial systems, and the erosion processes operating on the banks are complex and change over time. This study explores the magnitude of bank erosion on a cohesive streambank within a small channelized stream and studies the various...... (17Ð6–30Ð1 mm year-1) and total P content on the banks were relatively high, which makes the bank an important source of sediment and phosphorus to the stream, and it was estimated that 0Ð27 kg Ptot year-1 ha-1 may potentially be supplied to the stream from the banks. Yearly pin erosion rates...

  11. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

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

    Directory of Open Access Journals (Sweden)

    Ivanović Valentina

    2014-05-01

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

  13. 33 CFR 165.709 - Security Zone; Charleston Harbor, Cooper River, South Carolina.

    Science.gov (United States)

    2010-07-01

    ..., Cooper River, South Carolina. 165.709 Section 165.709 Navigation and Navigable Waters COAST GUARD... § 165.709 Security Zone; Charleston Harbor, Cooper River, South Carolina. (a) Regulated area. The Coast Guard is establishing a fixed security zone on all waters of the Cooper River, bank-to-bank and surface...

  14. Bathymetric and velocimetric surveys at highway bridges crossing the Missouri River near Kansas City, Missouri, June 2–4, 2015

    Science.gov (United States)

    Huizinga, Richard J.

    2016-06-22

    Bathymetric and velocimetric data were collected by the U.S. Geological Survey, in cooperation with the Missouri Department of Transportation, near 8 bridges at 7 highway crossings of the Missouri River in Kansas City, Missouri, from June 2 to 4, 2015. A multibeam echosounder mapping system was used to obtain channel-bed elevations for river reaches ranging from 1,640 to 1,660 feet longitudinally and extending laterally across the active channel from bank to bank during low to moderate flood flow conditions. These bathymetric surveys indicate the channel conditions at the time of the surveys and provide characteristics of scour holes that may be useful in the development of predictive guidelines or equations for scour holes. These data also may be useful to the Missouri Department of Transportation as a low to moderate flood flow comparison to help assess the bridges for stability and integrity issues with respect to bridge scour during floods.

  15. 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

  16. Financial structure, financial development and banking fragility: International evidence

    OpenAIRE

    Ruiz-Porras, Antonio

    2008-01-01

    We study the effects of financial structure and financial development on banking fragility. We develop our study by using fixed-effects panel-data regressions and by controlling the effects of certain banking indicators. We use individual and principal-components indicators of the activity, size and efficiency of intermediaries and markets. The indicators include data for 211 countries between 1990 and 2003. Our main findings suggest that banking stability is enhanced in market-based financia...

  17. The Challenges of Basel III for Romanian Banking System

    OpenAIRE

    Anca Elena NUCU

    2011-01-01

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

  18. Fractional Reserve Banking : Sebuah Representasi Ekonomi Semu (Tinjauan Ekonomi Islam)

    OpenAIRE

    Fathurrahman, Ayief

    2012-01-01

    This article tries to explain that fractional reserve banking is a system full of risks, even threatening the stability of the economy. Its implications led to many phenomena of the crisises, the most obvious exampleis the occurrence of the great depression in the 1930's. Related to this, Islam considers that fractional reserve banking is a great dengarous system, so that it has been considered contrary to the principles and values which brought by Islam. Concretely Islamic Bank offers a very...

  19. 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...

  20. 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...

  1. 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....

  2. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  3. GenBank

    Data.gov (United States)

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

  4. Liquidity Risk and its Management in Lithuanian Banking System

    Directory of Open Access Journals (Sweden)

    Erika Bareikaitė

    2014-04-01

    Full Text Available Banks are the main part of financial sector in each economy and strength of banking system becomes vital for ensuringfavourable economic stability and growth. Recent failure of two commercial banks in Lithuania showed that managershaven’t evaluated liquidity risk or haven’t dealt with it properly. The tasks of the paper are to investigate Lithuanian banksposition towards liquidity risk, analyse what kind of management tools banks use for ensuring favourable position towardsliquidity and to explore the liquidity influence to profitability in Lithuanian banking sector. The article examines liquidity andits management processes in Lithuanian banking sector. Description of liquidity importance is presented. Liquidity risk and itsmeasurement as well as the ways of managing the above mentioned risk is analysed in the article. In order to analyse the relationshipbetween liquidity risk and profitability of banks, analysis of scientific literature, research synthesis and generalizationshave been made.

  5. An appraisal of river erosion mitigation in the Niger Delta

    International Nuclear Information System (INIS)

    Aban, T. K. S.; Omuso, W. O.

    1999-01-01

    River erosion processes in the Niger Delta and the effectiveness of locally applied remedial measures is appraised, using information on channel geometry, flow velocity distribution, soil type, stratification, bank height and steepness, state of compaction, together with pool level variation in river channels. High flow velocity and bank height were identified as the major erosion causative factors. Local responses towards erosion mitigation have involved structural methods to varying degree of success. River training has been recommended as a long - term regional approach to mitigate river bank erosion. However, in the short -term revetments, concrete and sheets piles may be applied cautiously

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  11. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

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

  12. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  13. Wind River Watershed Restoration: 1999 Annual Report.

    Energy Technology Data Exchange (ETDEWEB)

    Connolly, Patrick J.

    2001-09-01

    This document represents work conducted as part of the Wind River Watershed Restoration Project during its first year of funding through the Bonneville Power Administration (BPA). The project is a comprehensive effort involving public and private entities seeking to restore water quality and fishery resources in the basin through cooperative actions. Project elements include coordination, watershed assessment, restoration, monitoring, and education. Entities involved with implementing project components are the Underwood Conservation District (UCD), USDA Forest Service (USFS), U.S. Geological Survey--Columbia River Research Lab (USGS-CRRL), and WA Department of Fish & Wildlife (WDFW). Following categories given in the FY1999 Statement of Work, the broad categories, the related objectives, and the entities associated with each objective (lead entity in boldface) were as follows: Coordination--Objective 1: Coordinate the Wind River watershed Action Committee (AC) and Technical Advisory Committee (TAC) to develop a prioritized list of watershed enhancement projects. Monitoring--Objective 2: Monitor natural production of juvenile, smolt, and adult steelhead in the Wind River subbasin. Objective 3: Evaluate physical habitat conditions in the Wind River subbasin. Assessment--Objective 4: Assess watershed health using an ecosystem-based diagnostic model that will provide the technical basis to prioritize out-year restoration projects. Restoration--Objective 5: Reduce road related sediment sources by reducing road densities to less than 2 miles per square mile. Objective 6: Rehabilitate riparian corridors, flood plains, and channel morphology to reduce maximum water temperatures to less than 61 F, to increase bank stability to greater than 90%, to reduce bankfull width to depth ratios to less than 30, and to provide natural levels of pools and cover for fish. Objective 7: Maintain and evaluate passage for adult and juvenile steelhead at artificial barriers. Education

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

    Directory of Open Access Journals (Sweden)

    Ciupac-Ulici Maria-Lenuta

    2013-07-01

    Full Text Available In the last three decades, many emerging countries have moved away from a system of restrictive monetary and financial controls to a more liberalized financial sector. The restrictive imposed policies were expected to contribute to industrialization of the economy and to the stability of the banking sector. However, financial liberalization had big costs on the banking system's competitiveness and efficiency. Financial liberalization has a different impact on banking markets. Thus, there is no size that fits all policies concerning banking liberalization process. For highly efficient banks, competition is improving their efficiency standard, while less efficient banks can`t compete with foreign banks and further are decreasing in efficiency or are driven out of the market. Overall, the average efficiency of domestic banking markets should be an important variable in deciding to open up their banking market. Banks that are operating close to the frontier, in general are improving their efficiency following financial liberalization process. Banks that are operating in a further distance can`t manage to compete with foreign market entrants, so, they are losing from liberalization process. In this article we propose to measure the impact of financial liberalization process on Romanian banking system. We used the panel regression to study the informational efficiency of three Romanian banks during 2004 - 2012. The dependent variable of the model was the price of stock bank, and the independent variables were the financial indicators (return on equity, return on assets, net profit margin. In the second regression we introduce a dummy variable for crisis period. Our results show that the financial indicators choose do not affect the efficiency of Romanian bank, but the crisis had a negative impact on them. International context, credit risk, the implementation of Basel III and reducing exposures in the absence of investment alternatives remains key

  15. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  16. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

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

  17. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  18. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  19. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  20. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

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

  1. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  2. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  3. Fluvial Geomorphology and River Restoration: Uneasy Allies (Invited)

    Science.gov (United States)

    Kondolf, G. M.

    2009-12-01

    A growing body of literature demonstrates that river restoration based on understanding of geomorphic and ecological process is more likely to be sustainable than form-based approaches. In the early days of river ‘restoration’ in North America, most projects involved bank stabilization, habitat structure placement, or construction of rocked meandering channels, at odds with restoration of the dynamic processes we now see as fundamental to effective, sustainable restoration. Recent years have seen a growing body of restoration programs emphasizing restoration of connectivity and geomorphic process. This evolution has been reflected in publications, from the form-based approach advocated in the early 1990s by an NRC panel (which did not include a geomorphologist) to more recent works by interdisciplinary panels emphasizing process restoration. Large-scale river restoration came later to Europe, motivated by the EU Water Framework Directive (2000) requirements that member states implement measures to improve ecological status of degraded rivers. Interestingly, European approaches to restoration have often reflected a more nuanced understanding of process, including deliberate recreation of unstable braided channels, removal of bank protection, and reconnecting floodplains. In part this may reflect a reaction to the more thorough post-war channelization of rivers in western Europe. In part it may also reflect a greater influence of academic and research laboratories upon practitioners than in the US, where a strong anti-intellectual strain, cultural preference for easy fixes, and reluctance to conduct objective post-project assessments have contributed to the adoption of form-based approaches by many public agencies.

  4. Banking Union- Present Stage and its Perspectives

    Directory of Open Access Journals (Sweden)

    Petre Prisecaru

    2014-05-01

    Full Text Available Banking Union is very important for financial stability of EU, for preventing any future crisis, for improving corporate governance in the banking sector, for completing the single market for financial services and for the strengthening of monetary union, for opening the way to fiscal union and to political union. There is not enough theoretical research in the field of banking union, but there are many recent contributions on behalf of foreign and Romanian experts and analysts, which refer mainly to the three components/pillars of EU banking union: a Single Supervision Mechanism (SSM, a Single Resolution Mechanism (SRM and an harmonized system of deposit guarantee schemes. Some micro studies and surveys carried out by prestigious institutions, like Deutsche Bank, Brookings Institution, CEPS have been run over and analyzed together with the positions and opinions of different European officials, and also with the content of EU secondary legislation. An empirical research was made with the aim to identify all essential aspects relating to EU banking union, which may concern the academics, researchers and business community. The paper is based on a previous research study coordinated by author and contains his own conclusions focused on the main arguments in favour of banking union.

  5. A new paradigm of modern central banking

    Directory of Open Access Journals (Sweden)

    Aleksandra Szunke

    2013-05-01

    Full Text Available The changes in the modern monetary policy, which took place at the beginning of the twenty-first century, in response to the global financial crisis led to the transformation of the place and the role of central banks. The strategic aim of the central monetary institutions has become preventing financial instability. So far, central banks have defined financial stability as a public good, which took care independently of other monetary purposes (Pyka, 2010. Unconventional monetary policy resulted in changes the global central banking. The aim of the study is to identify a new paradigm of the role and place of the central bank in the financial system and its new responsibilities, aimed at countering financial instability.

  6. Impact of Basel Accord on Banking System(Evidence from Islamic Banks of Pakistan)

    OpenAIRE

    Muhammad Mehtab Azeem; Akin Marsap; Cigdem Ozari

    2015-01-01

    Banks and bank regulatory authorities are vital players for the stability of economy and financial system in potential way. Basel III and its related to capital¡¯s requirement obligations have been effective useful tool for the banking system. Since, this is tough job for the bankers to maintain the liquidity for hedging the future risk but it also been expensive for bankers to keep the extra capital and become more liquid since this discourage the provision of loans but promote the credit ra...

  7. Market liquidity and financial stability.

    OpenAIRE

    Crockett, A.

    2008-01-01

    Stability in financial institutions and in financial markets are closely intertwined. Banks and other financial institutions need liquid markets through which to conduct risk management. And markets need the back-up liquidity lines provided by financial institutions. Market liquidity depends not only on objective, exogenous factors, but also on endogenous market dynamics. Central banks responsible for systemic stability need to consider how far their traditional responsibility for the health ...

  8. Modification of meander migration by bank failures

    Science.gov (United States)

    Motta, D.; Langendoen, E. J.; Abad, J. D.; García, M. H.

    2014-05-01

    Meander migration and planform evolution depend on the resistance to erosion of the floodplain materials. To date, research to quantify meandering river adjustment has largely focused on resistance to erosion properties that vary horizontally. This paper evaluates the combined effect of horizontal and vertical floodplain material heterogeneity on meander migration by simulating fluvial erosion and cantilever and planar bank mass failure processes responsible for bank retreat. The impact of stream bank failures on meander migration is conceptualized in our RVR Meander model through a bank armoring factor associated with the dynamics of slump blocks produced by cantilever and planar failures. Simulation periods smaller than the time to cutoff are considered, such that all planform complexity is caused by bank erosion processes and floodplain heterogeneity and not by cutoff dynamics. Cantilever failure continuously affects meander migration, because it is primarily controlled by the fluvial erosion at the bank toe. Hence, it impacts migration rates and meander shapes through the horizontal and vertical distribution of erodibility of floodplain materials. Planar failures are more episodic. However, in floodplain areas characterized by less cohesive materials, they can affect meander evolution in a sustained way and produce preferential migration patterns. Model results show that besides the hydrodynamics, bed morphology and horizontal floodplain heterogeneity, floodplain stratigraphy can significantly affect meander evolution, both in terms of migration rates and planform shapes. Specifically, downstream meander migration can either increase or decrease with respect to the case of a homogeneous floodplain; lateral migration generally decreases as result of bank protection due to slump blocks; and the effect on bend skewness depends on the location and volumes of failed bank material caused by cantilever and planar failures along the bends, with possible achievement of

  9. 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

  10. 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.

  11. A prototype NDT inspection data bank

    International Nuclear Information System (INIS)

    Wells, N.S.

    1978-01-01

    Existing reliability data banks provide information on items with catastrophic failure modes. However, many system components in a nuclear generating station, e.g., the steam generators, have a time-dependent degradation failure mode. Non-destructive tests associated with this failure mode require a different data base to permit predictive estimates of the component service life and performance. A data base suitable for this failure mode is presently being tested at Chalk River Nuclear Laboratories. (author)

  12. Tracking changes of river morphology in Ayeyarwady River in Myanmar using earth observations and surface water mapping tool

    Science.gov (United States)

    Piman, T.; Schellekens, J.; Haag, A.; Donchyts, G.; Apirumanekul, C.; Hlaing, K. T.

    2017-12-01

    River morphology changes is one of the key issues in Ayeyarwady River in Myanmar which cause impacts on navigation, riverine habitats, agriculture lands, communities and livelihoods near the bank of the river. This study is aimed to track the changes in river morphology in the middle reach of Ayeyarwady River over last 30 years from 1984-2014 to improve understanding of riverbank dynamic, erosion and deposition procress. Earth observations including LandSat-7, LandSat-8, Digital Elevation Model from SRTM Plus and, ASTER-2 GoogleMap and Open Street Map were obtained for the study. GIS and remote sensing tools were used to analyze changes in river morphology while surface water mapping tool was applied to determine how the dynamic behaviour of the surface river and effect of river morphology changes. The tool consists of two components: (1) a Google Earth Engine (GEE) javascript or python application that performs image analysis and (2) a user-friendly site/app using Google's appspot.com that exposes the application to the users. The results of this study shown that the fluvial morphology in the middle reach of Ayeyarwady River is continuously changing under the influence of high water flows in particularly from extreme flood events and land use change from mining and deforestation. It was observed that some meandering sections of the riverbank were straightened, which results in the movement of sediment downstream and created new sections of meandering riverbank. Several large islands have formed due to the stabilization by vegetation and is enforced by sedimentation while many small bars were formed and migrated dynamically due to changes in water levels and flow velocity in the wet and dry seasons. The main channel was changed to secondary channel in some sections of the river. This results a constant shift of the navigation route. We also found that some villages were facing riverbank erosion which can force villagers to relocate. The study results demonstrated

  13. Channel stability of Turkey Creek, Nebraska

    Science.gov (United States)

    Rus, David L.; Soenksen, Philip J.

    1998-01-01

    Channelization on Turkey Creek and its receiving stream, the South Fork Big Nemaha River, has disturbed the equilibrium of Turkey Creek and has led to channel-stability problems, such as degradation and channel widening, which pose a threat to bridges and land adjacent to the stream. As part of a multiagency study, the U.S. Geological Survey assessed channel stability at two bridge sites on upper and middle portions of Turkey Creek by analyzing streambed-elevation data for gradation changes, comparing recent cross-section surveys and historic accounts, identifying bank-failure blocks, and analyzing tree-ring samples. These results were compared to gradation data and trend results for a U.S. Geological Survey streamflow-gaging station near the mouth of Turkey Creek from a previous study. Examination of data on streambed elevations reveals that degradation has occurred. The streambed elevation declined 0.5 m at the upper site from 1967-97. The streambed elevation declined by 3.2 m at the middle site from 1948-97 and exposed 2 m of the pilings of the Nebraska Highway 8 bridge. Channel widening could not be verified at the two sites from 1967-97, but a historic account indicates widening at the middle site to be two to three times that of the 1949 channel width. Small bank failures were evident at the upper site and a 4-m-wide bank failure occurred at the middle site in 1987 according to tree ring analyses. Examination of streambed-elevation data from a previous study at the lower site reveals a statistically significant aggrading trend from 1958-93. Further examination of these data suggests minor degradation occurred until 1975, followed by aggradation.

  14. Scienti fi c Approaches and Methods in the Investigation of the Formation and Stability of Hydromorphic Natural Complexes of the Irtysh River Valley System (The Kazakhstan Part

    Directory of Open Access Journals (Sweden)

    A. G. Tsaregorodtseva

    2006-12-01

    Full Text Available The current geo-environmental situation of the Irtysh River valley system is connected with the high degree of control of the river drainage, which affects the functioning of its entire ecosystem and determines some morphological features of its channel. In the present work, the methodological approaches in the study of formation of the valley’s hydromorphic natural complexes are discussed, and the results of studies on the channel processes in the middle course of the Irtysh River are given.

  15. Assessment of the Efficiency of Sediment Deposition Reduction in the Zengwen River Watershed in Taiwan

    Science.gov (United States)

    Wu, M.; Tan, H. N.; Lo, W. C.; Tsai, C. T.

    2015-12-01

    The river upstream of watersheds in Taiwan is very steep, where soil and rock are often unstable so that the river watershed typically has the attribute of high sand yield and turbid runoff due to the excessive erosion in the heavy rainfall seasons. If flood water overflows the river bank, it would lead to a disaster in low-altitude plains. When flood retards or recesses, fine sediment would deposit. Over recent decades, many landslides arise in the Zengwen river watershed due to climate changes, earthquakes, and typhoons. The rocks and sands triggered by these landslides would move to the river channel through surface runoff, which may induce sediment disasters and also render an impact on the stability and sediment transport of the river channel. The risk of the sediment disaster could be reduced by implementing dredging works. However, because of the nature of the channel, the dredged river sections may have sediment depositions back; thus, causing an impact on flood safety. Therefore, it is necessary to evaluate the effectiveness of dredged works from the perspectives of hydraulic, sediment transport, and flood protection to achieve the objective of both disaster prevention and river bed stability. We applied the physiographic soil erosion-deposition (PSED) model to simulate the sediment yield, the runoff, and sediment transport rate of the Zengwen river watershed corresponding to one-day rainstorms of the return periods of 25, 50, and 100 year. The potential of sediment deposition and erosion in the river sections of the Zengwen river could be simulated by utilizing the alluvial river-movable bed two dimensional (ARMB-2D) model. The results reveal that the tendency for the potential of river sediment deposition and erosion obtained from these two models is agreeable. Furthermore, in order to evaluate the efficiency of sediment deposition reduction, two quantized values, the rate of sediment deposition reduction and the ratio of sediment deposition reduction

  16. 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...

  17. 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.

  18. Stabilizing eroding streambanks in sand drift areas of the Lake States.

    Science.gov (United States)

    Edward A. Hansen

    1968-01-01

    Banks are stabilized to protect adjacent high-value items such as cabins and campgrounds, or to reduce reservoir or lake sedimentation rates. Also, bank stabilization is undertaken as one part of fish habitat improvement programs. Rock rip-rap is the best material for bank stabilization in most cases. It does not deteriorate with time and it blends in well with the...

  19. METHODS OF ANALYSIS OF THE FINANCIAL STATEMENTS OF BANKS

    Directory of Open Access Journals (Sweden)

    Natal’ya A Prodanova

    2016-01-01

    Full Text Available The article discusses the features of banking activities, objectives and functions of banks, they are fundamentally different from the activity of the company any other independent of the economic sphere, the role of credit institutions in society and the need for their existence in order to maintain the country’s economy as a whole. The author stresses that banks should not only be multi-functional and operational, but also to meet all the requirements of reliability and stability. The article provides a method for analyzing the nancial condition of banks.

  20. Credit Risk Management. A study on risk integration in the bank lending process.

    NARCIS (Netherlands)

    Sleddens, Linda Elsa Wilhelmina

    2011-01-01

    Credit risk management has been a topic much written about in the last decade. Substantial credit risk losses can undermine the stability of the bank. Both banks and national bank supervisors have realized the need to invest in credit risk management. Partly driven by regulations such as the Basel

  1. Freedom space for rivers: An economically viable river management concept in a changing climate

    Science.gov (United States)

    Buffin-Bélanger, Thomas; Biron, Pascale M.; Larocque, Marie; Demers, Sylvio; Olsen, Taylor; Choné, Guénolé; Ouellet, Marie-Audray; Cloutier, Claude-André; Desjarlais, Claude; Eyquem, Joanna

    2015-12-01

    The freedom space concept applies hydrogeomorphic principles to delineate zones that are either frequently flooded or actively eroding, or that include riparian wetlands. Freedom space limits mapped for three rivers in southern Quebec (Canada) were assessed to determine whether they would still be valid under a future climate using a sensitivity analysis approach with numerical models predicting mobility of meanders (RVRMeander) and flood stage (HEC-RAS). The freedom space limits were also used in a cost-benefit analysis over a 50-year period where costs consist of loss or limitations to the right of farming and construction in this zone, whereas benefits are avoided costs for existing or future bank stabilization structures and avoided costs of flooding in agricultural areas. The economic value of ecosystem services provided by riparian wetlands and increased buffer zones within the freedom space were also included in the analysis. Results show that freedom space limits would be robust in future climate, and show net present values ranging from CDN0.7 to 3.7 million for the three rivers, with ratios of benefits over costs ranging between 1.5:1 and 4.8:1. River management based on freedom space is thus beneficial for society over a 50-year period.

  2. Physical hydrogeology and environmental isotopes to constrain the age, origins, and stability of a low-salinity groundwater lens formed by periodic river recharge: Murray Basin, Australia

    Science.gov (United States)

    Cartwright, Ian; Weaver, Tamie R.; Simmons, Craig T.; Fifield, L. Keith; Lawrence, Charles R.; Chisari, Robert; Varley, Simon

    2010-01-01

    SummaryA low-salinity (total dissolved solids, TDS, Australia. Hydraulic heads, surface water elevations, δ 18O values, major ion geochemistry, 14C activities, and 3H concentrations show that the lens is recharged from the Murray River largely through the riverbank with limited recharge through the floodplain. Recharge of the lens occurs mainly at high river levels and the low-salinity groundwater forms baseflow to some river reaches during times of low river levels. Within the lens, flow through the shallow Channel Sands and deeper Parilla Sands aquifers is sub-horizontal. While the Blanchetown Clay locally separates the Channel Sands and the Parilla Sands, the occurrence of recently recharged low-salinity groundwater below the Blanchetown Clay suggests that there is considerable leakage through this unit, implying that it is not an efficient aquitard. The lateral margin of the lens with the regional groundwater (TDS >25,000 mg/L) is marked by a hectometer to kilometer scale transition in TDS concentrations that is not stratigraphically controlled. Rather this boundary represents a mixing zone with the regional groundwater, the position of which is controlled by the rate of recharge from the river. The lens is part of an active and dynamic hydrogeological system that responds over years to decades to changes in river levels. The lens has shrunk during the drought of the late 1990s to the mid 2000s, and it will continue to shrink unless regular high flows in the Murray River are re-established. Over longer timescales, the rise of the regional water table due to land clearing will increase the hydraulic gradient between the regional groundwater and the groundwater in the lens, which will also cause it to degrade. Replacement of low-salinity groundwater in the lens with saline groundwater will ultimately increase the salinity of the Murray River reducing its utility for water supply and impacting riverine ecosystems.

  3. Effect of low quality effluent from wastewater stabilization ponds to receiving bodies, case of Kilombero sugar ponds and Ruaha river, Tanzania.

    Science.gov (United States)

    Machibya, Magayane; Mwanuzi, Fredrick

    2006-06-01

    A study was conducted in a sewage system at Kilombero Sugar Company to review its design, configuration, effectiveness and the quality of influent and effluent discharged into the Ruaha river (receiving body). The concern was that, the water in the river, after effluent has joined the river, is used as drinking water by villages located downstream of the river. Strategic sampling at the inlet of the oxidation pond, at the outlet and in the river before and after the effluent has joined the receiving body (river) was undertaken. Samples from each of these locations were taken three times, in the morning, noon and evening. The sample were then analysed in the laboratory using standard methods of water quality analysis. The results showed that the configuration and or the layout of the oxidation ponds (treatment plant) were not in accordance with the acceptable standards. Thus, the BOD5 of the effluent discharged into the receiving body (Ruaha River) was in the order of 41 mg/l and therefore not meeting several standards as set out both by Tanzanian and international water authorities. The Tanzanian water authorities, for example, requires that the BOD5 of the effluent discharged into receiving bodies be not more that 30 mg/l while the World Health Organization (WHO) requires that the effluent quality ranges between 10 - 30 mg/l. The paper concludes that proper design of treatment plants (oxidation ponds) is of outmost importance especially for factories, industries, camps etc located in rural developing countries where drinking water from receiving bodies like rivers and lakes is consumed without thorough treatment. The paper further pinpoint that both owners of treatment plants and water authorities should establish monitoring/management plan such that treatment plants (oxidation ponds) could be reviewed regarding the change on quantity of influent caused by population increase.

  4. Effect of Low Quality Effluent from Wastewater Stabilization Ponds to Receiving Bodies, Case of Kilombero Sugar Ponds and Ruaha River, Tanzania

    Directory of Open Access Journals (Sweden)

    Fredrick Mwanuzi

    2006-06-01

    Full Text Available A study was conducted in a sewage system at Kilombero Sugar Company to review its design, configuration, effectiveness and the quality of influent and effluent discharged into the Ruaha river (receiving body. The concern was that, the water in the river, after effluent has joined the river, is used as drinking water by villages located downstream of the river. Strategic sampling at the inlet of the oxidation pond, at the outlet and in the river before and after the effluent has joined the receiving body (river was undertaken. Samples from each of these locations were taken three times, in the morning, noon and evening. The sample were then analysed in the laboratory using standard methods of water quality analysis. The results showed that the configuration and or the layout of the oxidation ponds (treatment plant were not in accordance with the acceptable standards. Thus, the BOD5 of the effluent discharged into the receiving body (Ruaha River was in the order of 41 mg/l and therefore not meeting several standards as set out both by Tanzanian and international water authorities. The Tanzanian water authorities, for example, requires that the BOD5 of the effluent discharged into receiving bodies be not more that 30 mg/l while the World Health Organization (WHO requires that the effluent quality ranges between 10 – 30 mg/l. The paper concludes that proper design of treatment plants (oxidation ponds is of outmost importance especially for factories, industries, camps etc located in rural developing countries where drinking water from receiving bodies like rivers and lakes is consumed without thorough treatment. The paper further pinpoint that both owners of treatment plants and water authorities should establish monitoring/management plan such that treatment plants (oxidation ponds could be reviewed regarding the change on quantity of influent caused by population increase.

  5. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  6. Central Bank Independence and Inflation IN EU-28

    Directory of Open Access Journals (Sweden)

    Beju Daniela-Georgeta

    2017-12-01

    Full Text Available Today, both policymakers and academicians consider that the central bank’s main goal is to guarantee price stability. The central bank can sustain the government’s economic policies, but only without prejudicing this objective. In order to focus on price stability several studies found that central bank should have a high level of independence. This is why during the recent decades the majority of developed countries, but also several emerging economies have employed institutional reforms that conferred their monetary authorities – the central bank – more independence.

  7. River meander modeling of the Wabash River near the Interstate 64 Bridge near Grayville, Illinois

    Science.gov (United States)

    Lant, Jeremiah G.; Boldt, Justin A.

    2018-01-16

    Natural river channels continually evolve and change shape over time. As a result, channel evolution or migration can cause problems for bridge structures that are fixed in the flood plain. A once-stable bridge structure that was uninfluenced by a river’s shape could be encroached upon by a migrating river channel. The potential effect of the actively meandering Wabash River on the Interstate 64 Bridge at the border with Indiana near Grayville, Illinois, was studied using a river migration model called RVR Meander. RVR Meander is a toolbox that can be used to model river channel meander migration with physically based bank erosion methods. This study assesses the Wabash River meandering processes through predictive modeling of natural meandering over the next 100 years, climate change effects through increased river flows, and bank protection measures near the Interstate 64 Bridge.

  8. Unanswered Quibbles with Fractional Reserve Free Banking

    Directory of Open Access Journals (Sweden)

    Philipp Bagus

    2011-07-01

    Full Text Available In this article we reply to George Selgin’s counterarguments to our article “Fractional Reserve Free Banking: Some Quibbles”. Selgin regards holding cash as saving while we focus on the real savings necessary to maintain investment projects. Real savings are unconsumed real income. Variations in real savings are not necessarily equal to variations in cash holdings. We show that a coordinated credit expansion in a fractional reserve free banking (FRFB system is possible and that precautionary reserves consequently do not pose a necessary limit. We discuss various instances in which a FRFB system may expand credit without a prior increase in real savings. These facets all demonstrate why a fractional reserve banking system – even a free banking one – is inherently unstable, and incentivized to impose a stabilizing central bank. We find that at the root of our disagreements with Selgin lies a different approach to monetary theory. Selgin subscribes to the aggregative equation of exchange, which impedes him from seeing the microeconomic problems that the stabilization of “MV” by a FRFB system causes.

  9. SUPERVISION OF CREDIT INSTITUTIONS SIGNIFICANT RISKS TO FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    LUCIAN-ION MEDAR

    2014-12-01

    Full Text Available Financial stability of Romanian banking system is determined by the constant supervision of credit institutions significant risks. Accession of Romania to Union Banking requires the signing of a linked protocol between the central bank and European Central Bank regarding prudential supervision to ensure financial stability. This means that from the next year, the central bank will impose a new supervision of credit institutions in our country. And especially to those credit institutions that do not fall under European supervisors, according to the procedures of the ECB. Through this study we propose to specify the main elements of management of significant risks to ensure financial stability.

  10. THEORETICAL CONSIDERATIONS OF PRICE STABILITY AS PART OF THE FINANCIAL STABILITY

    OpenAIRE

    Magdalena RĂDULESCU; Marinela TANASCOVICI

    2012-01-01

    Currently there are many authors who consider that the only objective of the central bank should be the price stability and between the respective objective and financial stability there is incompatibility. As far we are concerned, we subscribe the idea that between price stability and financial stability there are complementarities. And a strong argument in the favour of this position is also historical. Actually, many older or newer facts show that banking crises were often caused by the un...

  11. H-ADCP discharge monitoring of a large tropical river

    NARCIS (Netherlands)

    Hidayat, H.; Sassi, M.G.; Vermeulen, B.

    2012-01-01

    River flow can be continuously monitored through velocity measurements with an acoustic Doppler current profiler, deployed horizontally at a river bank (H-ADCP). This approach was adopted to obtain continuous discharge estimates at two cross-sections in the River Mahakam, i.e. at an upstream station

  12. Missouri River Flood 2011 Vulnerabilities Assessment Report. Volume 2 - Technical Report

    Science.gov (United States)

    2012-10-01

    Michels at Dakota Dunes , South Dakota. ............................................................................................................... 2...91 Figure 28. Upper Hamburg Bend Levee Toe Scour...Bend Project at Dakota Dunes along Left Bank River Mile 737 ........................... 109 Figure 37. Stage Trends on the Missouri River at St

  13. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  14. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

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

  15. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  16. The Spatial Distribution of Bed Sediment on Fluvial System: A Mini Review of the Aceh Meandering River

    Directory of Open Access Journals (Sweden)

    Muhammad Irham

    2016-08-01

    Full Text Available Dynamic interactions of hydrological and geomorphological processes in the fluvial system result in accumulated deposit on the bed because the capacity to carry sediment has been exceeded. The bed load of the Aceh fluvial system is primarily generated by mechanical weathering resulting in boulders, pebbles, and sand, which roll or bounce along the river bed forming temporary deposits as bars on the insides of meander bends, as a result of a loss of transport energy in the system. This dynamic controls the style and range of deposits in the Aceh River. This study focuses on the spatial distribution of bed-load transport of the Aceh River. Understanding the spatial distribution of deposits facilitates the reconstruction of the changes in controlling factors during accumulation of deposits. One of the methods can be done by sieve analysis of sediment, where the method illuminates the distribution of sediment changes associated with channel morphology under different flow regimes. Hence, the purpose of this mini review is to investigate how the sediment along the river meander spatially dispersed. The results demonstrate that channel deposits in the Aceh River are formed from four different type of materials: pebble deposited along upstream left bank; sand located on the upstream, downstream, and along meander belts; and silt and clay located along the cut bank of meander bends. Because of different depositional pattern, the distribution of the sediment along the river can be used as a surrogate to identify bank stability, as well as to predict critical geometry for meander bend initiation

  17. Bank Funding Structures and Risk; Evidence From the Global Financial Crisis

    OpenAIRE

    Pablo Federico; Francisco F. Vazquez

    2012-01-01

    This paper analyzes the evolution of bank funding structures in the run up to the global financial crisis and studies the implications for financial stability, exploiting a bank-level dataset that covers about 11,000 banks in the U.S. and Europe during 2001?09. The results show that banks with weaker structural liquidity and higher leverage in the pre-crisis period were more likely to fail afterward. The likelihood of bank failure also increases with bank risk-taking. In the cross-section, th...

  18. CENTRAL BANK INDEPENDENCE AND INFLATION TARGETING - THE BRITISH EXPERIENCE

    Directory of Open Access Journals (Sweden)

    David Delia

    2010-07-01

    Full Text Available Known as the ‘Old Lady’ of Threadneedle Street, the Bank of England is the central bank of the United Kingdom. Founded in 1694, the Bank of England is standing at the centre of the United Kingdom’s financial system, and is committed to promoting and maintaining monetary and financial stability as its contribution to a healthy economy. In our opinion, it is very important to analyze the Bank of England’s monetary policy strategy, starting from 1992 – adoption of the inflation target and the evolution of it’s monetary policy strategy, through an important feature – delegating operational accountability regarding the monetary policy in 1997 as well as the appropriate institutional framework. More over, it is important to analyze the Bank of England’s performances before and after granting central bank independence.

  19. Digital Banking 2025

    OpenAIRE

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

    2017-01-01

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

  20. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

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

  1. GenBank

    OpenAIRE

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

    2008-01-01

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

  2. GenBank

    OpenAIRE

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

    2012-01-01

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

  3. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

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

  4. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  5. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  6. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

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

  7. Interlinking of Rivers in India: Issues & Challenges

    OpenAIRE

    MEHTA, Dharmendra; MEHTA, Naveen K.

    2013-01-01

    Abstract. The rivers in India are truly speaking not only life-line of masses but also for wild-life. The rivers play a vital role in the lives of the Indian people. The river systems help us in irrigation, potable water, cheap transportation, electricity as well as a source of livelihood for our ever increasing population. Some of the major cities of India are situated at the banks of holy rivers. Proper management of river water is the need of the hour. Indian agriculture largely d...

  8. A 2D hydrodynamic-sedimentological model for gravel bed rivers. Part II, Case study: the Brenta River in Italy

    Directory of Open Access Journals (Sweden)

    Gabriel Kaless

    2013-09-01

    Full Text Available A 2D depth average model has been used to simulate water and sediment flow in the Brenta River so as to interpret channel changes and to assess model predictive capabilities. The Brenta River is a gravel bed river located in Northern Italy. The study reach is 1400 long and has a mean slope of 0.0056. High resolution digital terrain models has been produced combining laser imaging detection and ranging data with colour bathymetry techniques. Extensive field sedimentological surveys have been also carried out for surface and subsurface material. The data were loaded in the model and the passage of a high intense flood (R.I. > 9 years was simulated. The model was run under the hypothesis of a substantial equilibrium between sediment input and transport capacity. In this way, the model results were considered as a reference condition, and the potential trend of the reach was assessed. Low-frequency floods (R.I. » 1.5 years are expected to produce negligible changes in the channel while high floods may focalize erosion on banks instead than on channel bed. Furthermore, the model predicts well the location of erosion and siltation areas and the results promote its application to other reaches of the Brenta River in order to assess their stability and medium-term evolution.

  9. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  10. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

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

  11. To assess the investment policy and investment activity of banks of Russia

    OpenAIRE

    Mandron V.; Buzaeva O.

    2016-01-01

    A priority to increase the profits of banks is investment operations in the stock market. Investment banking includes activities on raising capital using capital market instruments with the objective of capital appreciation. The article describes the investment objectives of the banks to improve their profitability, financial stability and enhance the effectiveness of the whole. The basic tools that enable banks to achieve the relevant objectives: profit, risk diversification, the maintenance...

  12. THE IMPACT OF THE BASEL III AGREEMENT ON THE BANKING SYSTEMS

    OpenAIRE

    Magdalena RADULESCU

    2014-01-01

    In the light of the current financial crisis, some deficiencies of the financial supervision system were highlighted. The former Basel II Agreement needed to be reformulated to achieve more stability of the banking systems. The new Basel III launched tight regulation regarding both banking solvency and liquidity and the leverage ratio. These regulations imply more costs for banks. Many bankers didn’t agree because of the decrease of the profitability of banks. Still, even the current crisis w...

  13. THEORETICAL CONSIDERATIONS OF PRICE STABILITY AS PART OF THE FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    Magdalena RĂDULESCU

    2012-09-01

    Full Text Available Currently there are many authors who consider that the only objective of the central bank should be the price stability and between the respective objective and financial stability there is incompatibility. As far we are concerned, we subscribe the idea that between price stability and financial stability there are complementarities. And a strong argument in the favour of this position is also historical. Actually, many older or newer facts show that banking crises were often caused by the unfavourable macroeconomic situation coupled with the bad macroeconomic policies carried by the authorities. But, a monetary policy that aims the price stability reduces this risk. The truth is that the central banks have a series of tools that allow them to act for achieving both the objective of price stability, and that of the stability of financial sector. Although the financial stability is not, usually, an explicit objective for the modern central bank, the systematic financial instability can cancel their performances in achieving their major final objective: the price stability. Being that, because of the need that it creates to inject additional liquidity into the banking system, a crisis of the banking sector may directly affect the monetary stability. Here the mentioned complementarities arise between price stability and financial stability, although the achievement of the first does not necessarily involve the assurance of the last.

  14. The effects of monovalent and divalent cations on the stability of silver nanoparticles formed from direct reduction of silver ions by Suwannee River humic acid/natural organic matter

    Energy Technology Data Exchange (ETDEWEB)

    Akaighe, Nelson [Chemistry Department, Florida Institute of Technology, 150 West University Boulevard, Melbourne, FL 32901 (United States); Depner, Sean W.; Banerjee, Sarbajit [Department of Chemistry, 410 Natural Sciences Complex, University at Buffalo, The State University of New York, Buffalo, NY 14260-3000 (United States); Sharma, Virender K. [Chemistry Department, Florida Institute of Technology, 150 West University Boulevard, Melbourne, FL 32901 (United States); Sohn, Mary, E-mail: msohn@fit.edu [Chemistry Department, Florida Institute of Technology, 150 West University Boulevard, Melbourne, FL 32901 (United States)

    2012-12-15

    The formation and characterization of AgNPs (silver nanoparticles) formed from the reduction of Ag{sup +} by SRNOM (Suwannee River natural organic matter) is reported. The images of SRNOM-formed AgNPs and the selected area electron diffraction (SAED) were captured by high resolution transmission electron microscopy (HRTEM). The colloidal and chemical stability of SRNOM- and SRHA (Suwannee River humic acid)-formed AgNPs in different ionic strength solutions of NaCl, KCl, CaCl{sub 2} and MgCl{sub 2} was investigated in an effort to evaluate the key fate and transport processes of these nanoparticles in natural aqueous environments. The aggregation state, stability and sedimentation rate of the AgNPs were monitored by Dynamic Light Scattering (DLS), zeta potential, and UV-vis measurements. The results indicate that both types of AgNPs are very unstable in high ionic strength solutions. Interestingly, the nanoparticles appeared more unstable in divalent cation solutions than in monovalent cation solutions at similar concentrations. Furthermore, the presence of SRNOM and SRHA contributed to the nanoparticle instability at high ionic strength in divalent metallic cation solutions, most likely due to intermolecular bridging with the organic matter. The results clearly suggest that changes in solution chemistry greatly affect nanoparticle long term stability and transport in natural aqueous environments. Highlights: Black-Right-Pointing-Pointer Formation of SRNOM-AgNPs under environmentally relevant conditions Black-Right-Pointing-Pointer Influence of monovalent versus divalent cations on SRHA- and SRNOM-AgNP stability Black-Right-Pointing-Pointer Effect of AgNPs on organic matter removal from water columns.

  15. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  16. Umatilla River Basin Anadromous Fish Habitat Enhancement Project : 2001 Annual Report.

    Energy Technology Data Exchange (ETDEWEB)

    Shaw, R. Todd; Sexton, Amy D.

    2003-02-01

    The Umatilla River Basin Anadromous Fish Habitat Enhancement Project continued to identify impacted stream reaches throughout the Umatilla River Basin for habitat improvements during the 2001 project period. Public outreach efforts, biological and physical monitoring, and continued development of a Umatilla Subbasin Watershed Assessment assisted the project in fostering public cooperation, targeting habitat deficiencies and determining habitat recovery measures. Projects continued to be maintained on 49 private properties, one 25-year Non-Exclusive Bureau of Indian Affairs' Easement was secured, six new projects implemented and two existing project areas improved to enhance anadromous fish habitat. New project locations included sites on the mid Umatilla River, upper Umatilla River, Mission Creek, Cottonwood Creek and Buckaroo Creek. New enhancements included: (1) construction of 11,264 feet of fencing between River Mile 43.0 and 46.5 on the Umatilla River, (2) a stream bank stabilization project implemented at approximately River Mile 63.5 Umatilla River to stabilize 330 feet of eroding stream bank and improve instream habitat diversity, included construction of eight root wad revetments and three boulder J-vanes, (3) drilling a 358-foot well for off-stream livestock watering at approximately River Mile 46.0 Umatilla River, (4) installing a 50-foot bottomless arch replacement culvert at approximately River Mile 3.0 Mission Creek, (5) installing a Geoweb stream ford crossing on Mission Creek (6) installing a 22-foot bottomless arch culvert at approximately River Mile 0.5 Cottonwood Creek, and (7) providing fence materials for construction of 21,300 feet of livestock exclusion fencing in the Buckaroo Creek Drainage. An approximate total of 3,800 native willow cuttings and 350 pounds of native grass seed was planted at new upper Umatilla River, Mission Creek and Cottonwood Creek project sites. Habitat improvements implemented at existing project sites included

  17. BANKING SYSTEM FRAGILITY: CASE OF THE REPUBLIC OF MOLDOVA

    Directory of Open Access Journals (Sweden)

    Dorina CLICHICI

    2014-04-01

    Full Text Available The paper studied the determinants of Moldovan banking system fragility. It underlines the existing researches into the empirical determinants of banking fragility. The analysis revealed that there are numerous channels through which weaknesses within the macroeconomic conditions and structural characteristics might increase banking system fragility. The main macroeconomic determinants which may have an impact on Moldovan banking system fragility are: excessive domestic liquidity, pro-cyclical character of the banking system, dependence on remittances, financial dollarization. There are also several banking characteristics which play a role for Moldovan banking system fragility: the undermined intermediation function, high level of bad loans, uncertainties in the ownership structure, low presence of foreign strategic investors. The paper employed a quantitative, a qualitative and a comparative analysis using the financial soundness and structural indicators of the Moldovan banking system in order to assess the impact of various determinants on Moldovan banking system fragility. The results reveal a high degree of capitalization and liquidity of Moldovan banking system, factors which contribute and maintain the general stability of the entire financial system.

  18. 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...

  19. 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-...

  20. 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.

  1. Análise da estrutura e da diversidade de uma vegetação ciliar do rio São Francisco, Petrolina–PE. Structure and diversity analysis of a São Francisco river banks vegetation, Petrolina–PE.

    Directory of Open Access Journals (Sweden)

    Silvana Cristina Pereira Muniz de SOUZA

    2010-06-01

    Full Text Available No pólo agrícola Petrolina–PE/Juazeiro–BA é grande a devastação das matas ciliares do rio São Francisco, devido à expansão da agricultura irrigada. Levantamentos fitossociológicos podem subsidiar a adoção de práticas de manejo e a recuperação dos remanescentes florestais com o objetivo de avaliar o quanto permaneceu de estrutura e diversidade nessas matas. Foi realizado um levantamento fitossociológico numa vegetação ciliar do rio São Francisco perturbada, no Projeto de Irrigação Bebedouro, emPetrolina–PE. Foraminstalados ao longo damargemdo rio cinco transectos, perpendiculares ao leito, compostos de sete parcelas, com exceção de um transecto com três parcelas, de 8 m x 25 m (200 m², num total de 27 parcelas ou 0,54 ha. Foram levantados indivíduos adultos e regenerantes. Foram encontrados 853 indivíduos de 32 espécies. A família mais rica foi Fabaceae e o gênero mais rico foi Mimosa. A densidade foi de 1.376 ind.ha , onde a maior contribuição foi dos regenerantes. A espécie com maior valor de importância (VI foi Poepiggia procera seguida por Inga Vera. O estrato adulto apresentou maior diversidade doque o estrato regenerante.Oambiente topográfico Margem foi o que teve a maior diversidade e estrutura mais próxima do esperado para uma vegetação conservada. Apesar de perturbada, a vegetação estudada apresenta valores de riqueza e diversidade compatíveis com áreas mais preservadas. Concluiu-se que, a despeito da perturbação, a vegetação ciliar ainda detémum grandepotencialde autorrecuperaçãoe ainda cumpreoseupapeldedetentorade altadiversidade.On the Petrolina–PE/Juazeiro–BA agricultural pole the São Francisco river banks destruction have been large, due to the expansion of irrigated agriculture. Phytosociological survey can produce information for management and restoration action leading to studies that aim to evaluate how much of structure and diversity of forest remained. A

  2. Fluvial geomorphology and river engineering: future roles utilizing a fluvial hydrosystems framework

    Science.gov (United States)

    Gilvear, David J.

    1999-12-01

    geophysical techniques; dovetailing engineering approaches to the study of river channels which emphasize reach-scale flow resistance, shear stresses, and material strength with catchment scale geomorphic approaches, empirical predictions, bed and bank processes, landform evolution, and magnitude-frequency concepts; producing accepted river channel typologies; fundamental research aimed at producing more reliable deterministic equations for prediction of bed and bank stability and bedload transport; and collaboration with aquatic biologists to determine the role and importance of geomorphologically and hydraulically defined habitats.

  3. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

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

  4. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

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

  5. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

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

  6. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  7. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  8. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  9. Transparency of Banking Supervisors

    NARCIS (Netherlands)

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

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

  10. International fuel bank

    International Nuclear Information System (INIS)

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

  11. Destroy The Bank! (case)

    NARCIS (Netherlands)

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

    2016-01-01

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

  12. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  13. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  14. 78 FR 40394 - Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC

    Science.gov (United States)

    2013-07-05

    ...-AA00 Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC AGENCY: Coast Guard, DHS... Festival. This action is necessary to protect the life and property of the maritime public from the hazards... Shallowbag Bay River during the Outer Banks Bluegrass Festival Fireworks display. DATES: This rule is...

  15. The competitive challenge in banking

    NARCIS (Netherlands)

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

    2005-01-01

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

  16. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

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

  17. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  18. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  19. Results of the detection and exposure evaluation of the effects of bank filtration on ground water. Lectures; Untersuchungsergebnisse zur Erfassung und Expositionsbewertung der Auswirkungen der Uferfiltration auf Grundwaesser. Vortraege

    Energy Technology Data Exchange (ETDEWEB)

    Seiler, K.P. [comp.] [GSF - Forschungszentrum fuer Umwelt und Gesundheit Neuherberg GmbH, Oberschleissheim (Germany). Inst. fuer Hydrologie

    1997-02-01

    Main topics of this meeting are: bank filtration; surface water; groundwater; german rivers; water quality; organic pollutants; inorganic pollutants; pollutants transport; particulates; radiohydrometric analyses of bank filtration; mathematical models for materials balances; transport models. (SR)

  20. Bank and sovereign debt risk

    OpenAIRE

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

    2013-01-01

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

  1. Columbia River water quality monitoring

    International Nuclear Information System (INIS)

    Anon.

    1983-01-01

    Waste water from Hanford activities is discharged at eight points along the Hanford reach of the Columbia River. These discharges consist of backwash water from water intake screens, cooling water, river bank springs, water storage tank overflow, and fish laboratory waste water. Each discharge point is identified in an existing National Pollutant Discharge Elimination System (NPDES) permit issued by the EPA. Effluents from each of these outfalls are routinely monitored and reported by the operating contractors as required by their NPDES permits. Measurements of several Columbia River water quality parameters were conducted routinely during 1982 both upstream and downstream of the Hanford Site to monitor any effects on the river that may be attributable to Hanford discharges and to determine compliance with the Class A designation requirements. The measurements indicated that Hanford operations had a minimal, if any, impact on the quality of the Columbia River water

  2. Historical cartographic materials as a source for international and cadastral boundary management in rivers

    Science.gov (United States)

    Srebro, Haim

    2018-05-01

    adjacent to the river banks has stabilized them. In 2000, due to the construction of a dam on the Yarmuk River, both sides jointly fixed coordinates of the relevant boundary line in the river according to the boundary delineation in the peace treaty. The accumulated artificial changes along both rivers have cancelled their natural behavior and have influenced the changes in the river channels. This may justify an initiative to fix the boundary lines in both rivers by coordinates according to the peace treaty delimitation, enabling the cadastral boundaries to be fixed according to the fixed international boundary line. The article analyzes boundary line management in changing rivers in light of development of the legal approach and practice from the time of the Romans until today. It analyzes the special case of the boundary line in the Jordan and Yarmuk rivers, and introduces a proposal for stabilizing this boundary line. The research of the changes of these rivers is based on changes in the depiction of their channels on various kinds of maps and cartographic sources, produced through the last century by many producers. They include British, German, ANZAC, Israeli and Jordanian maps and charts. The cartographic materials include large scale field survey sheets and engineering charts from the 1920s, cadastral charts from the 1930s, topographic maps produced through the last century and orthophoto maps produced since the 1990s, including joint Israeli-Jordanian orthophoto and charts produced by the Joint Boundary Commission as part of the peace agreement and its implementation. The article includes a variety of cartographic examples.

  3. Framework for Preserving Financial Stability in Montenegro

    Directory of Open Access Journals (Sweden)

    Žugić Radoje

    2014-01-01

    Full Text Available The global financial crisis has challenged the traditional monetary policy framework of one instrument (short-term interest rates - one objective (price stability. More and more central banks nowadays consider financial stability as a monetary policy objective, whereas the Central Bank of Montenegro is the only one that has identified financial stability as its primary objective. As this is a relatively new objective, all central banks endeavouring to attain this objective have been facing numerous difficulties. Therefore, the article analyzes some of these difficulties such as defining financial (instability, the selection of indicators, macroeconomic environment for preserving financial stability, and the like. The main objective of the paper is to analyse the framework for preserving financial stability in Montenegro and the challenges that the Central Bank of Montenegro has been facing in accomplishing this objective

  4. Spatial dynamic of mobile dunes, soil crusting and Yobe's bank ...

    African Journals Online (AJOL)

    In the fluvio-deltaic area of Kadzell, the soil crusting and the Yobe River retreat remain the major damages. The crusting area has been multiplied by more than two while the lateral migration of the Yobe bank reached near of 3 m.yr-1. This study highlights the key role of man in the process of degradation related to climate ...

  5. Conveyance estimation in channels with emergent bank vegetation ...

    African Journals Online (AJOL)

    Emergent vegetation along the banks of a river channel influences its conveyance considerably. The total channel discharge can be estimated as the sum of the discharges of the vegetated and clear channel zones calculated separately. The vegetated zone discharge is often negligible, but can be estimated using ...

  6. Characteristics and value of the Thukela Banks crustacean and ...

    African Journals Online (AJOL)

    This study describes the Thukela Banks crustacean and linefish fisheries and investigates the potential impacts of reduced flow from the Thukela River on the value of these fisheries. Data were obtained from published and unpublished material, key informants and government records. The crustacean fishery employs ...

  7. 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.

  8. Comparing Between Commercial and Investment Banking: A Case Study from Iraq

    Directory of Open Access Journals (Sweden)

    Dr. Majeed Mohsen

    2016-11-01

    Full Text Available The research aim is to evaluating investment and commercial banking to led the investor who want to be shareholder in equity to the suitable banking in Iraqi environment, which banking is suitable for risk averse and which is suitable for risk seeker, by comparing between depending on market attractiveness and business strength by comparing between Iraqi’s investment and commercial banking for the period (2010-2014, it is evaluate market attractiveness by using banking return, banking risk, banking size, and banking stability and business strength by using market share (competition, and banking development. The data were from financial report used for statistical testing of difference between two means for comparing instead of comparing between variables directly by using t-test between means. The result explained there wasn’t difference between the two banking marketing, but commercial banking was more total risk than investment banking and systematic risk was the most in both banking. Research conclusion the risky environment, is resulting the conservative depositors decreasing the project, and weak effect of globalization on banking, that is resulting nearly same strategies to avoid internal risk by trying to create safely internal environment depending on strategy of less risk through minimizing unsystematic risks which reduce the ability on diversification which led to weak globalization’s effect.

  9. 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 ...

  10. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

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

  11. Modifications to the remedial action plan and site design for stabilization of the inactive Uranium Mill Tailings Site at Green River, Utah

    International Nuclear Information System (INIS)

    1994-09-01

    Modifications to the water resources protection strategy detailed in the remedial action plan for the Green River, Utah, disposal site are presented. The modifications are based on new information, including ground water quality data collected after remedial action was completed and on a revised assessment of disposal cell design features, surface conditions, and site hydrogeology. The modifications will result in compliance with the U.S. EPA proposed ground water standards (52 FR 36000 (1987))

  12. ESTABILIDADE DE CANAIS FLUVIAIS EM TORNO DE PONTES E BUEIROS NA BACIA HIDROGRÁFICA DO PARANÁ III, OESTE DO PARANÁ - EVALUATION OF THE CHANNEL STABILITY IN BRIDGES AND CULVERTS IN PARANÁ III WATERSHED, WESTERN PARANÁ STATE, BRAZIL

    Directory of Open Access Journals (Sweden)

    Leandro Neri Bortoluzzi

    2017-04-01

    The bridges and culverts alter the natural conditions of rivers, causing changes in fluvial processes. The level of stability of river banks and beds around crossing structures was evaluated in the Paraná III watershed, Western region of Paraná State (Brazil, adopting the methodology of FHWA (2006. A watershed has an area of 7,979.4 Km2 and it predominantly basaltic rocks of the Serra Geral Formation (Cretaceous that make up the basalt plateau with altitudes ranging between 220 and 725 m. The degree of channel stability was analyzed at 46 structures (18 bridges, 15 culverts box, 7 culverts pipe and 6 small bridges. We selected all crossings structures located in the Paraná III watershed along paved roads, positioned outside the urban area. Among the crossings structure, 13 were classified as excellent level of stability and 33 as good level. It was not registered any points with regular or poor stability. The prevalence of high levels of stability is credited to the outcrop of basalt substrate in bed and the low erodibility of the banks soils (Oxisols and Ultisols providing greater stability to the channel in the vicinity of the structures.

  13. Red River Below Denison Dam, Texas, Oklahoma, Arkansas, and Louisiana

    National Research Council Canada - National Science Library

    Copeland, Ronald

    2002-01-01

    A numerical model study was conducted to evaluate the effect that reducing bank erosion between Arthur City, TX, and Index, AR, would have on deposition rates in the J. Bennett Johnston (Red River) Waterway...

  14. Channel and island change in the lower Platte River, Eastern Nebraska, USA: 1855 2005

    Science.gov (United States)

    Joeckel, R. M.; Henebry, G. M.

    2008-12-01

    The lower Platte River has undergone considerable change in channel and bar characteristics since the mid-1850s in four 20-25 km-long study stretches. The same net effect of historical channel shrinkage that was detected upstream from Grand Island, Nebraska, can also be detected in the lower river but differences in the behaviors of study stretches upstream and downstream from major tributaries are striking. The least relative decrease occurred downstream from the Loup River confluence, and the stretch downstream from the Elkhorn River confluence actually showed an increase in channel area during the 1940s. Bank erosion was also greater downstream of the tributaries between ca. 1860 and 1938/1941, particularly in stretch RG, which showed more lateral migration. The cumulative island area and the ratio of island area to channel area relative to the 1938/1941 baseline data showed comparatively great fluctuations in median island size in both downstream stretches. The erratic behavior of island size distributions over time indicates that large islands were accreted to the banks at different times, and that some small, newly-stabilized islands were episodically "flushed" out of the system. In the upstream stretches the stabilization of mobile bars to create new, small islands had a more consistent impact over time. Channel decrease by the abandonment of large, long-lived anabranches and by the in-place narrowing resulting from island accretion were more prominent in these upstream stretches. Across all of the study area, channel area appears to be stabilizing gradually as the rate of decrease lessens. This trend began earliest in stretch RG in the late 1950s and was accompanied by shifts in the size distributions of stabilized islands in that stretch into the 1960s. Elsewhere, even in the easternmost study stretch, stabilizing was occurring by the late 1960s, the same time frame documented by investigations of the Platte system upstream of the study area. Comprehensive

  15. Western Balkans’ Banking Sector Performance in Terms of Macroeconomic and Bank Specific Efficiency Determinants

    Directory of Open Access Journals (Sweden)

    Lindita Varesi

    2015-02-01

    Full Text Available Main objective of this study is to analyse banking efficiency and productivity considering evidences from Western Balkan countries in pre-crisis, during and the recovery period. Referring to the historic background and the transformations suffered, the WB countries have developed bank based financial structure so the soundness of the banking sector is significantly important for the stability and progress of their economies on the long run. The problems faced by the last recession, the deteriorated macroeconomic indicators and weak, inefficient banking sector translated in slow recovery rates, encouraged this study. Prior studies have been mainly focused in causes and effects of crisis in different sectors of economies while this paper presents relations and dependencies between the macroeconomic and bank specific efficiency determinants. The methodology used is the comparison between countries and as method the financial ratio analysis, intending the presentation of trends and evaluation of changes in efficiency, profitability and performance indicators during 2000- 2007 comparing with 2008-2013. Results that the banking sector profitability indicators follow the same negative trend with the economic growth rates and the recovery rates are lower than the forecasted. The results can be used by performance monitors to better identify vulnerabilities and examine uncertainties/risks.

  16. Application of ELJ to create and maintain side channels in a dynamic gravel bed river

    Science.gov (United States)

    Crabbe, E.; Crowe Curran, J.; Ockelford, A.

    2017-12-01

    Braided and anastomosing rivers create and maintain a large amount of side channel habitat. Unfortunately, many rivers that were once multi-channel rivers have been constrained to single thread channels as a consequence of land use changes that occurred in the 19th and 20th centuries or earlier. An increasingly common management goal today is the re-creation of self-maintaining side and tributary habitat through as natural means as possible. This work examines the geomorphic history of one such channel and the success of recent rehabilitation efforts. Our case study comes from the South Fork Nooksack River in the Cascades Range in Washington State. The Nooksack River is a gravel and sand bed channel with a snowmelt dominated hydrograph. Engineered log jams (ELJ) have been employed to direct flow into side and chute channels with the larger goals of increasing overall channel complexity and salmon spawning opportunities. ELJs have been constructed on the channel since the 2000s, and the ELJs in the study reaches range in age up to 10 years. The size and design of individual jams within the reach vary, enabling a comparison between jam types. ELJs are evaluated for their ability to maintain gravel bar locations and open tributary channels through the snowmelt season over the reach scale. Additional goals of trapping wood onto the jams and existing bars, stabilizing channel banks, and allowing for the growth of bar vegetation are also examined.

  17. Risk of Debt-Based Financing in Indonesian Islamic Banking

    Directory of Open Access Journals (Sweden)

    Kharisya Ayu Effendi

    2017-05-01

    Full Text Available The purpose of this study is to know the risk of debt-based financing in Islamic banking in Indonesia by using an accounting based calculation, those are NPF analysis, Credit risk Z-score and Altman Z-score. This study is telling about the risk of debt-based finacing on Indonesian Islamic banking using an accounting based measurement, those are NPF analysis, Credit Risk Z-score analysis and Altman Z-score analysis. The data was obtained from 2011 to 2015 from the website of each bank. The result is a risk on debt-based financing on Indonesian Islamic banking is low. The measurement using 3 accounting based measurement tool gives a consistent result, that is Indonesian Islamic banking use a debt-based financing have a high financial stability and a low risk.DOI: 10.15408/aiq.v9i2.4821

  18. The Sovereign Debt Crisis in Europe, Save Banks Not States

    Directory of Open Access Journals (Sweden)

    Schäfer, Hans-Bernd

    2012-08-01

    Full Text Available The European central bank is a bank of banks but not a bank of states. This reduces the capabilities of member states to finance deficits. The role of the central bank to cope with the debt crises is institutionally more limited than in most other Western countries. The European Stability Mechanism has not enough financial power to bail out all distressed countries in the Eurozone. Eurobonds could increase lending capacities but would require a change of the European treaty, which is not in sight. They violate the no bail out clause of Art.125 of the Treaty on the Functioning of the European Union. The policy option is therefore debt restructuring of distressed countries and a bailout of financial institutions to avoid conflagration. This option would also shift some of the burden to creditors outside the Eurozone rather than to shift all risk on the people in solvent countries within the Eurozone.

  19. Corporate governance in banks: Problems and remedies

    Directory of Open Access Journals (Sweden)

    Monika Marcinkowska

    2012-05-01

    Full Text Available Weak and ineffective corporate governance mechanisms in banks are pointed out as the main factors contributing to the recent financial crisis. Deep changes in this area are necessary to reinforce the financial sector stability. The paper presents key aspects requiring reforms: the role, constitution and accountability of board, risk management, management remuneration, transparency. New regulations and guidance are presented, creating the foundations for a new order of the financial market. The paper also points out the banks’ stakeholders’ accountability.

  20. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  1. Protein Data Bank (PDB)

    Data.gov (United States)

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

  2. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  3. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

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

  4. Mitigation Banking Factsheet

    Science.gov (United States)

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

  5. The social connectivity of urban rivers

    Science.gov (United States)

    Kondolf, G. Mathias; Pinto, Pedro J.

    2017-01-01

    By social connectivity we refer to the communication and movement of people, goods, ideas, and culture along and across rivers, recognizing longitudinal, lateral, and vertical connectivity, much as has been described for other rivers for hydrology and ecology. We focus on rivers as they pass through cities, and the relationships between these rivers and city dwellers. Historically, the most important longitudinal connectivity function of rivers was their role as major transport routes and the simplification of formerly complex, irregular banks and beds, into straight, uniform shipping channels has resulted in a loss of lateral and vertical connectivity, notably the quotidian uses such as fishing, washing clothes, water supply, swimming and other recreation. The scale of the river itself, and its scale in comparison to the scale of the city, largely determine the river's social function and the degree to which it influences city form. River width affects the perception of 'closeness' of the other bank, ease of bridging the river, influence of the river on the city's street pattern, and type of waterfront uses that occur. Up to 15 m wide, people can converse, whereas across rivers 50 to 200 m wide, people are not recognizable but still clearly visible, instilling the banks with a 'lively' atmosphere. At widths over 200 m, people blur, yet moving vehicles and trees branches shaking in wind may still provide some dynamic elements to an otherwise static landscape composed of building facades. In exceptionally wide rivers, the city on the opposite bank is little more than a skyline, which often becomes a signature and symbol of regional identity. In contemplating how people use rivers, we can define a range of human activities in relation to height above the water (i.e., instream to banktop), a vertical dimension of human connectivity with rivers. Many uses occur on the top of the bank, such as quiet contemplation, walking, or cycling along a riverside trail, while

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

    Directory of Open Access Journals (Sweden)

    Nalim Nalim

    2015-12-01

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

  7. Habitat assessment of non-wadeable rivers in Michigan.

    Science.gov (United States)

    Wilhelm, Jennifer G O; Allan, J David; Wessell, Kelly J; Merritt, Richard W; Cummins, Kenneth W

    2005-10-01

    Habitat evaluation of wadeable streams based on accepted protocols provides a rapid and widely used adjunct to biological assessment. However, little effort has been devoted to habitat evaluation in non-wadeable rivers, where it is likely that protocols will differ and field logistics will be more challenging. We developed and tested a non-wadeable habitat index (NWHI) for rivers of Michigan, where non-wadeable rivers were defined as those of order >or=5, drainage area >or=1600 km2, mainstem lengths >or=100 km, and mean annual discharge >or=15 m3/s. This identified 22 candidate rivers that ranged in length from 103 to 825 km and in drainage area from 1620 to 16,860 km2. We measured 171 individual habitat variables over 2-km reaches at 35 locations on 14 rivers during 2000-2002, where mean wetted width was found to range from 32 to 185 m and mean thalweg depth from 0.8 to 8.3 m. We used correlation and principal components analysis to reduce the number of variables, and examined the spatial pattern of retained variables to exclude any that appeared to reflect spatial location rather than reach condition, resulting in 12 variables to be considered in the habitat index. The proposed NWHI included seven variables: riparian width, large woody debris, aquatic vegetation, bottom deposition, bank stability, thalweg substrate, and off-channel habitat. These variables were included because of their statistical association with independently derived measures of human disturbance in the riparian zone and the catchment, and because they are considered important in other habitat protocols or to the ecology of large rivers. Five variables were excluded because they were primarily related to river size rather than anthropogenic disturbance. This index correlated strongly with indices of disturbance based on the riparian (adjusted R2 = 0.62) and the catchment (adjusted R2 = 0.50), and distinguished the 35 river reaches into the categories of poor (2), fair (19), good (13), and

  8. How Does Distress Acquisition Incentivized by Government Purchases of Distressed Loans Affect Bank Default Risk?

    Directory of Open Access Journals (Sweden)

    Jyh-Jiuan Lin

    2018-04-01

    Full Text Available The topic of bank default risk in connection with government bailouts has recently attracted a great deal of attention. In this paper, the question of how a bank’s default risk is affected by a distress acquisition is investigated. Specifically, the government provides a bailout program of distressed loan purchases for a strong bank to acquire a bank in distress. The acquirer bank may likely refuse the acquisition with a bailout when the amount of distressed loan purchases is large or the knock-out value of the acquired bank is high. When the acquirer bank realizes acquisition gains, the default risk in the consolidated bank’s equity return is negatively related to loan purchases, but positively to the knock-out value of the acquired bank. The government bailout, as such, in large part contributes to banking stability.

  9. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

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

  10. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

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

  11. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

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

  12. 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.

  13. 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.

  14. River habitat assessment for ecological restoration of Wei River Basin, China.

    Science.gov (United States)

    Yang, Tao; Wang, Shuo; Li, Xiaoping; Wu, Ting; Li, Li; Chen, Jia

    2018-04-11

    As an important composition component of river ecosystems, river habitats must undergo quality assessment to potentially provide scientific basis for river ecological restoration. Substrate composition, habitat complexity, bank erosion degree, river meandering degree, human activity intensity, vegetation buffer width, water quality, and water condition were determined as indicators for river habitat assessment. The comprehensive habitat quality index (CHQI) was established for the Wei River Basin. In addition, the indicator values were determined on the basis of a field investigation at 12 national hydrological stations distributed across the Wei, Jing, and Beiluo Rivers. The analytic hierarchy process was used to determine the indicator weights and thus distinguish the relative importance of the assessment indicator system. Results indicated that the average CHQIs for the Wei, Jing, and Beiluo Rivers were 0.417, 0.508, and 0.304, respectively. The river habitat quality for the three rivers was well. As for the whole river basin, the river habitat quality for 25% of the cross section was very well, the other 25% was well, and the 50% remaining was in critical state. The river habitat quality of the Jing River was better than that of the Wei and Beiluo Rivers.

  15. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

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

  16. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

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

  17. Examining the physical meaning of the bank erosion coefficient used in meander migration modeling

    Science.gov (United States)

    Constantine, Candice R.; Dunne, Thomas; Hanson, Gregory J.

    2009-05-01

    Widely used models of meander evolution relate migration rate to vertically averaged near-bank velocity through the use of a coefficient of bank erosion ( E). In applications to floodplain management problems, E is typically determined through calibration to historical planform changes, and thus its physical meaning remains unclear. This study attempts to clarify the extent to which E depends on measurable physical characteristics of the channel boundary materials using data from the Sacramento River, California, USA. Bend-average values of E were calculated from measured long-term migration rates and computed near-bank velocities. In the field, unvegetated bank material resistance to fluvial shear ( k) was measured for four cohesive and noncohesive bank types using a jet-test device. At a small set of bends for which both E and k were obtained, we discovered that variability in k explains much of the variability in E. The form of this relationship suggests that when modeling long-term meander migration of large rivers, E depends largely on bank material properties. This finding opens up the possibility that E may be estimated directly from field data, enabling prediction of meander migration rates for systems where historical data are unavailable or controlling conditions have changed. Another implication is that vegetation plays a limited role in affecting long-term meander migration rates of large rivers like the Sacramento River. These hypotheses require further testing with data sets from other large rivers.

  18. The Structural Reform for EU Banks:Does It Works

    DEFF Research Database (Denmark)

    Hu, Chenchen

    2015-01-01

    watered down due to the narrowed scope of the tier 2 banks and its strength on curbing subsidization. On (2), the BSR mainly stresses reducing the ‘probability of failure’, but not much the ‘impact of failure’, i.e. it does not provides material provisions on cooperation between structural reform...... and resolution reform. Putting aside other technical leaks in enhancing stability and safety of banks, that cast significant doubt on its capacity to enhance resolvability....

  19. Basel III and prudent risk management in banking: Continuing the cycle of fixing past crises

    Directory of Open Access Journals (Sweden)

    François Laurens

    2012-09-01

    Full Text Available Financial crises have had a significant impact on bank regulation and supervision. Reforms are often focussed on correcting past failings. Following the 2007 financial crisis, Basel III reforms have been introduced with a view to promote a more resilient banking sector and to improve the banking sector’s ability to absorb shocks arising from financial distress. A review of the Basel III reforms and the literature on the link between capital adequacy regulations and bank stability indicates that these regulations are unlikely to prevent the failure of banks resulting in systemic crises

  20. Are Banks Passive Liquidity Backstops? Deposit Rates and Flows during the 2007-2009 Crisis

    OpenAIRE

    Viral V. Acharya; Nada Mora

    2012-01-01

    Can banks maintain their advantage as liquidity providers when they are heavily exposed to a financial crisis? The standard argument - that banks can - hinges on deposit inflows that are seeking a safe haven and provide banks with a natural hedge to fund drawn credit lines and other commitments. We shed new light on this issue by studying the behavior of bank deposit rates and inflows during the 2007-09 crisis. Our results indicate that the role of the banking system as a stabilizing liquidit...