75 FR 41119 - Special Local Regulations; Sabine River, Orange, TX

Science.gov (United States)

2010-07-15

...-AA08 Special Local Regulations; Sabine River, Orange, TX AGENCY: Coast Guard, DHS. ACTION: Notice of... the Port Arthur Captain of the Port Zone on the Sabine River, Orange, Texas. This Special Local... Orange, TX, Thunder on the Sabine boat races. The powerboat race and associated testing will occur...

Marketing channels of banking products and services in contemporary business environment

Directory of Open Access Journals (Sweden)

Rakita Aleksandra

2016-01-01

Full Text Available Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion. The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the most developed markets and global trends carrier. In the paper is drafted the comparison of traditional and alternative distribution channels, in order to compare their advantages and disadvantages with the aim to find the optimum balance between them with the purpose to, on the one hand, meet customer needs, and on the other increase the efficiency of banking operations and lowered costs.

Decay of Sabin inactivated poliovirus vaccine (IPV)-boosted poliovirus antibodies.

Science.gov (United States)

Resik, Sonia; Tejeda, Alina; Fonseca, Magile; Sein, Carolyn; Hung, Lai Heng; Martinez, Yenisleidys; Diaz, Manuel; Okayasu, Hiromasa; Sutter, Roland W

We conducted a follow-on study to a phase I randomized, controlled trial conducted in Cuba, 2012, to assess the persistence of poliovirus antibodies at 21-22 months following booster dose of Sabin-IPV compared to Salk-IPV in adults who had received multiple doses of oral poliovirus vaccine (OPV) during childhood. In 2012, 60 healthy adult males aged 19-23 were randomized to receive one booster dose, of either Sabin-inactivated poliovirus vaccine (Sabin-IPV), adjuvanted Sabin-IPV (aSabin-IPV), or conventional Salk-IPV. In the original study, blood was collected at days 0 (before) and 28 (after vaccination), respectively. In this study, an additional blood sample was collected 21-22 months after vaccination, and tested for neutralizing antibodies to Sabin poliovirus types 1, 2 and 3. We collected sera from 59/60 (98.3%) subjects; 59/59 (100%) remained seropositive to all poliovirus types, 21-22 months after vaccination. The decay curves were very similar among the study groups. Between day 28 and 21-22 months, there was a reduction of ⩾87.4% in median antibody levels for all poliovirus types in all study groups, with no significant differences between the study groups. The decay of poliovirus antibodies over a 21-22-month period was similar regardless of the type of booster vaccine used, suggesting the scientific data of Salk IPV long-term persistence and decay may be broadly applicable to Sabin IPV.

Monetary Expansion and the Banking Lending Channel.

Science.gov (United States)

Tabak, Benjamin Miranda; Moreira, Tito Belchior Silva; Fazio, Dimas Mateus; Cavalcanti, André Luiz Cordeiro; Cunha, George Henrrique de Moura

2016-01-01

This paper examines the bank lending channel, which considers how monetary authority actions affect the variation of loans. We focus on the BRICS (Brazil, Russia, India, China and South Africa) totalizing 1254 banks from five countries in the period 2000-2012 (totalizing 13 years). The empirical results show that the effect of money supply growth on the growth of loans is non-linear and inverted U-shaped. In this context, our results show empirical evidence expansionary monetary policies do not increase the propensity of economic agents to systematically take greater risks on the market. After a certain level of money stock, increases in the money supply do not lead to increased negotiated credit.

Soil plutonium and cesium in stream channels and banks of Los Alamos liquid effluent-receiving areas

International Nuclear Information System (INIS)

Nyhan, J.W.; White, G.C.; Trujillo, G.

1982-01-01

Stream channel sediments and adjacent bank soils found in three intermittent streams used for treated liquid effluent disposal at Los Alamos, New Mexico were sampled to determine the distribution of 238 Pu, sup(239,240)Pu and 137 Cs. Radionuclide concentrations and inventories were determined as functions of distance downstream from the waste outfall and from the center of the stream channel, soil sampling depth, stream channel-bank physiography, and the waste use history of each disposal area. Radionuclide concentrations in channel sediments were inversely related to distances up to 10 km downstream from the outfalls. For sites receiving appreciable waste effluent additions, contaminant concentrations in bank soils decreased with perpendicular distances greater than 0.38 m from the stream channel, and with stream bank sampling depths greater than 20-40 cm. Concentrations and total inventories of radionuclides in stream bank soils generally decreased as stream bank height increased. Inventory estimates of radionuclides in channel sediments exhibited coefficients of variation that ranged 0.41-2.6, reflecting the large variation in radionuclide concentrations at each site. Several interesting temporal relationships of these radionuclides in intermittent streams were gleaned from the varying waste use histories of the three effluent-receiving areas. Eleven years after liquid wastes were added to one canyon, the major radionuclide inventories were found in the stream bank soils, unlike most of the other currently-used receiving areas. A period of time greater than 6 yr seems to be required before the plutonium in liquid wastes currently added to the canyon is approximately equilibrated with the plutonium in the bank soils. These observations are discussed relative to waste management practices in these southwestern intermittent streams. (author)

Soil plutonium and cesium in stream channels and banks of Los Alamos liquid effluent-receiving areas.

Science.gov (United States)

Nyhan, J W; White, G C; Trujillo, G

1982-10-01

Stream channel sediments and adjacent bank soils found in three intermittent streams used for treated liquid effluent disposal at Los Alamos, New Mexico were sampled to determine the distribution of 238Pu, 239,240Pu and 137Cs. Radionuclide concentrations and inventories were determined as functions of distance downstream from the waste outfall and from the center of the stream channel, soil sampling depth, stream channel-bank physiography, and the waste use history of each disposal area. Radionuclide concentrations in channel sediments were inversely related to distances up to 10 km downstream from the outfalls. For sites receiving appreciable waste effluent additions, contaminant concentrations in bank soils decreased with perpendicular distances greater than 0.38 m from the stream channel, and with stream bank sampling depths greater than 20-40 cm. Concentrations and total inventories of radionuclides in stream bank soils generally decreased as stream bank height increased. Inventory estimates of radionuclides in channel sediments exhibited coefficients of variation that ranged 0.41-2.6, reflecting the large variation in radionuclide concentrations at each site. Several interesting temporal relationships of these radionuclides in intermittent streams were gleaned from the varying waste use histories of the three effluent-receiving areas. Eleven yr after liquid wastes were added to one canyon, the major radionuclide inventories were found in the stream bank soils, unlike most of the other currently-used receiving areas. A period of time greater than 6 yr seems to be required before the plutonium in liquid wastes currently added to the canyon is approximately equilibrated with the plutonium in the bank soils. These observations are discussed relative to waste management practices in these southwestern intermittent streams.

COSANI-2, Gamma Doses from SABINE Calculation, Activity from ANISN Flux Calculation

International Nuclear Information System (INIS)

Dupont, C.

1975-01-01

1 - Nature of physical problem solved: Retrieval of SABINE and/or ANISN results. Calculates in case of SABINE results the individual contributions of capture gamma rays in each region to the total gamma dose and to the total gamma heating may calculate in case of ANISN new activity rates starting from ANISN flux saved on tape and activity cross sections taken on an ANISN binary library tape. The program can draw on a BENSON plotter any of the following quantities: - group flux; - activity rates; - dose rates; - neutron spectra for SABINE; - neutron or gamma direct or adjoint spectra for ANISN; - gamma heating and dose rate for SABINE including individual contributions from each region. Several ANISN and/or SABINE cases can be drawn on the same graph for comparison purposes. 2 - Restrictions on the complexity of the problem: Maximum number of: - tapes containing ANISN and/or SABINE results: 5; - curves per graph: 3; - regions: 40; - points per curve: 500; - energy groups: 200

Albert Sabin and the Coalition to Eliminate Polio from the Americas.

Science.gov (United States)

Hampton, Lee

2009-01-01

Albert B. Sabin, MD, developer of the oral polio vaccine, was also a major proponent of its use in annual vaccination campaigns aimed at the elimination of polio. Sabin argued that administering his vaccine simultaneously to every child in a country would break polio's chains of transmission. Although he was already promoting mass vaccination by the 1960s, Sabin's efforts expanded considerably when he became an adviser to groups fighting polio in the Americas in the 1980s. Sabin's experiences provide a window into both the formation of the coalition that eliminated poliomyelitis from the Western Hemisphere and what can happen when biomedical researchers become public health policy advisers. Although the polio elimination coalition succeeded in part because member groups often accommodated each other's priorities, Sabin was often limited by his indifference to the interests of those he was advising and to the shortcomings of his vaccine.

CUSTOMER PERCEPTION ON ALTERNATIVE DELIVERY CHANNEL (ADC OF BANKS IN BANGLADESH

Directory of Open Access Journals (Sweden)

Shahed BIN SADIQUE

2016-12-01

Full Text Available This paper aims at understanding the level of customer’s perception on alternative delivery channel of different commercial schedule banks of Bangladesh. Considering the significant development in technology and for sustainability, banking industry in Bangladesh has expanded banking operation through offering different ADCs to attract customers which are ultimately changing the perception of customers in the long run. Based on this reality, data were collected from a survey and a usable sample of 134 was taken for analysis. KAPPA test and multiple regression model is used to analyze the overall consistency of respondent’s responses and measurement of consumers’ perception. The results of the survey show that visibility, availability, self-security, confidential transaction ability, easiness and simplicity in the procedure of ADC makes it more attractive to consumer. The findings also suggest that security of physical establishment of ADC is vital though banks have given less importance to it. From the study, it is found that in order to change perception and to attract more users to banking; it is not going to be enough to make the system easy to interact with. Banks should develop more secured and private alternative delivery channels that will be reliable to their customers. Thus, management attention might be effectively focused on the development of such sectors that have been properly identified in this research.

Customer Perception on Alternative Delivery Channel (ADC of Banks in Bangladesh

Directory of Open Access Journals (Sweden)

Shahed BIN SADIQUE

2016-12-01

Full Text Available This paper aims at understanding the level of customer’s perception on alternative delivery channel of different commercial schedule banks of Bangladesh. Considering the significant development in technology and for sustainability, banking industry in Bangladesh has expanded banking operation through offering different ADCs to attract customers which are ultimately changing the perception of customers in the long run. Based on this reality, data were collected from a survey and a usable sample of 134 was taken for analysis. KAPPA test and multiple regression model is used to analyze the overall consistency of respondent’s responses and measurement of consumers’ perception. The results of the survey show that visibility, availability, self-security, confidential transaction ability, easiness and simplicity in the procedure of ADC makes it more attractive to consumer. The findings also suggest that security of physical establishment of ADC is vital though banks have given less importance to it. From the study, it is found that in order to change perception and to attract more users to banking; it is not going to be enough to make the system easy to interact with. Banks should develop more secured and private alternative delivery channels that will be reliable to their customers. Thus, management attention might be effectively focused on the development of such sectors that have been properly identified in this research.

Decay of Sabin inactivated poliovirus vaccine (IPV)-boosted poliovirus antibodies

OpenAIRE

Resik, Sonia; Tejeda, Alina; Fonseca, Magile; Sein, Carolyn; Hung, Lai Heng; Martinez, Yenisleidys; Diaz, Manuel; Okayasu, Hiromasa; Sutter, Roland W.

2015-01-01

Introduction: We conducted a follow-on study to a phase I randomized, controlled trial conducted in Cuba, 2012, to assess the persistence of poliovirus antibodies at 21–22 months following booster dose of Sabin-IPV compared to Salk-IPV in adults who had received multiple doses of oral poliovirus vaccine (OPV) during childhood. Methods: In 2012, 60 healthy adult males aged 19–23 were randomized to receive one booster dose, of either Sabin-inactivated poliovirus vaccine (Sabin-IPV), adjuvant...

Marketing channels of banking products and services in contemporary business environment

OpenAIRE

Rakita Aleksandra

2016-01-01

Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion). The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the mos...

Inactivated polio vaccine development for technology transfer using attenuated Sabin poliovirus strains to shift from Salk-IPV to Sabin-IPV.

Science.gov (United States)

Bakker, Wilfried A M; Thomassen, Yvonne E; van't Oever, Aart G; Westdijk, Janny; van Oijen, Monique G C T; Sundermann, Lars C; van't Veld, Peter; Sleeman, Eelco; van Nimwegen, Fred W; Hamidi, Ahd; Kersten, Gideon F A; van den Heuvel, Nico; Hendriks, Jan T; van der Pol, Leo A

2011-09-22

Industrial-scale inactivated polio vaccine (IPV) production dates back to the 1960s when at the Rijks Instituut voor de Volksgezondheid (RIV) in Bilthoven a process was developed based on micro-carrier technology and primary monkey kidney cells. This technology was freely shared with several pharmaceutical companies and institutes worldwide. In this contribution, the history of one of the first cell-culture based large-scale biological production processes is summarized. Also, recent developments and the anticipated upcoming shift from regular IPV to Sabin-IPV are presented. Responding to a call by the World Health Organization (WHO) for new polio vaccines, the development of Sabin-IPV was continued, after demonstrating proof of principle in the 1990s, at the Netherlands Vaccine Institute (NVI). Development of Sabin-IPV plays an important role in the WHO polio eradication strategy as biocontainment will be critical in the post-OPV cessation period. The use of attenuated Sabin strains instead of wild-type Salk polio strains will provide additional safety during vaccine production. Initially, the Sabin-IPV production process will be based on the scale-down model of the current, and well-established, Salk-IPV process. In parallel to clinical trial material production, process development, optimization and formulation research is being carried out to further optimize the process and reduce cost per dose. Also, results will be shown from large-scale (to prepare for future technology transfer) generation of Master- and Working virus seedlots, and clinical trial material (for phase I studies) production. Finally, the planned technology transfer to vaccine manufacturers in low and middle-income countries is discussed. Copyright © 2011 Elsevier Ltd. All rights reserved.

Towards a context-aware multi-channel messaging model for African banks: preliminary investigations

CSIR Research Space (South Africa)

Salami, O

2016-05-01

Full Text Available Technological advancements have provided Banks several means of sending messages to their customers. In the context of business-to-customer interaction, Single Channel Messaging (SCM) model is prominently used by most Banks in Africa. SCM...

Phase 3 Trial of a Sabin Strain-Based Inactivated Poliovirus Vaccine.

Science.gov (United States)

Liao, Guoyang; Li, Rongcheng; Li, Changgui; Sun, Mingbo; Jiang, Shude; Li, Yanping; Mo, Zhaojun; Xia, Jielai; Xie, Zhongping; Che, Yanchun; Yang, Jingsi; Yin, Zhifang; Wang, Jianfeng; Chu, Jiayou; Cai, Wei; Zhou, Jian; Wang, Junzhi; Li, Qihan

2016-12-01

 The development of a Sabin strain-based inactivated poliovirus vaccine (Sabin-IPV) is imperative to protecting against vaccine-associated paralytic poliomyelitis in developing countries.  In this double-blinded, parallel-group, noninferiority trial, eligible infants aged 60-90 days were randomly assigned in a ratio of 1:1 to receive either 3 doses of Sabin-IPV or Salk strain-based IPV (Salk-IPV) at 30-day intervals and a booster at the age of 18 months. Immunogenicity and safety were assessed on the basis of a protocol.  Of 1438 infants, 1200 eligible infants were recruited and received either Sabin-IPV or Salk-IPV. From the Sabin-IPV and Salk-IPV groups, 570 and 564 infants, respectively, completed the primary immunization and formed the per-protocol population. The seroconversion rates of the participants who received Sabin-IPV were 100%, 94.9%, and 99.0% (types I, II, and III, respectively), and those of the participants who received Salk-IPV were 94.7%, 91.3%, and 97.9% 1 month after the completion of primary immunization. An anamnestic response for poliovirus types I, II, and III was elicited by a booster in both groups. Except in the case of fever, other adverse events were similar between the 2 groups.  The immune response induced by Sabin-IPV was not inferior to that established with Salk-IPV. © The Author 2016. Published by Oxford University Press for the Infectious Diseases Society of America. All rights reserved. For permissions, e-mail journals.permissions@oup.com.

Deep water overflow in the Faroe Bank Channel; modelling, processes, and impact

DEFF Research Database (Denmark)

Rullyanto, Arief

, creating new water masses with distinct temperature, salinity and density characteristics. The change of water mass characteristics not only affects the local environment, but also far distant regions. The Faroe Bank Channel, which is located in the southern part of Faroe Islands, is one of the most...... under different circumstances. The focus is on the Faroe Bank Channel, a relatively small region, which has a significant impact on the global ocean circulation and marine organisms that live in its environment....... or tides, but also deep beneath the surface, where deep-water currents circulate waters throughout the world’s oceans. In certain very-localized regions, the flow of the deep-water has to travel over a sill in a narrow submarine channel. This overflow process mixes the deep water with overlying waters...

Study on the reduction and hysteresis effect of soil nitrogen pollution by Alfalfa in channel buffer bank

Science.gov (United States)

Chi, Yixia; Xue, Lianqing; Zhang, Zhanyu; Li, Dongying

2018-01-01

Based on the simulation experiments of solute transport in channel buffer bank and pot experiments, this study analyzed the transport of nitrogen pollution from farmland drains along the South-North Water Transfer east route project; and compared the nitrogen transport rule and purification effect of alfalfa in channel buffer bank soil under situations of bare land and alfalfa mulching. The results showed that: (1) soil nitrogen content decreased gradually with the width increase of channel buffer bank by the soil adsorption and decomposition; (2) the migration rates of nitrogen were 0.06 g·kg-1 by the alfalfa mulching; (3) the removed rates of nitrogen from the soil were 0.088 g·kg-1 by cutting alfalfa; (4) the residual nitrogen of soil with alfalfa was 10% of the bare land. Alfalfa in channel buffer bank had obvious reduction and hysteresis effect to soil nitrogen pollution.

Sabin and wild type polioviruses from children who presented with ...

African Journals Online (AJOL)

Conclusion: This study further confirms the presence of Sabin and wild-type poliovirus among children in Nigeria. The isolation of Sabin strain of poliovirus is advantageous to the polio eradication program as it is capable of inducing natural immunity in susceptible hosts. Transmission of wild-type poliovirus among children ...

75 FR 55968 - Special Local Regulations, Sabine River; Orange, TX

Science.gov (United States)

2010-09-15

...-AA08 Special Local Regulations, Sabine River; Orange, TX AGENCY: Coast Guard, DHS. ACTION: Temporary... Arthur Captain of the Port Zone on the Sabine River, Orange, Texas. This Special Local Regulation is... River, Orange, TX in the Federal Register (75 FR 41119). We received no comments on the proposed rule...

Design of Nonuniform Filter Bank Transceivers for Frequency Selective Channels

Directory of Open Access Journals (Sweden)

Yuan-Pei Lin

2007-01-01

Full Text Available In recent years, there has been considerable interest in the theory and design of filter bank transceivers due to their superior frequency response. In many applications, it is desired to have transceivers that can support multiple services with different incoming data rates and different quality-of-service requirements. To meet these requirements, we can either do resource allocation or design transceivers with a nonuniform bandwidth partition. In this paper, we propose a method for the design of nonuniform filter bank transceivers for frequency selective channels. Both frequency response and signal-to-interference ratio (SIR can be incorporated in the transceiver design. Moreover, the technique can be extended to the case of nonuniform filter bank transceivers with rational sampling factors. Simulation results show that nonuniform filter bank transceivers with good filter responses as well as high SIR can be obtained by the proposed design method.

76 FR 30890 - Special Local Regulations; Sabine River, Orange, TX

Science.gov (United States)

2011-05-27

...-AA08 Special Local Regulations; Sabine River, Orange, TX AGENCY: Coast Guard, DHS. ACTION: Notice of... the Port Arthur Captain of the Port Zone on the Sabine River, Orange, Texas on September 24-25, 2011... race in conjunction with the Orange, TX S.P.O.R.T. boat races. The powerboat race and associated...

Detecting the impact of bank and channel modification on invertebrate communities in Mediterranean temporary streams (Sardinia, SW Italy).

Science.gov (United States)

Buffagni, Andrea; Tenchini, Roberta; Cazzola, Marcello; Erba, Stefania; Balestrini, Raffaella; Belfiore, Carlo; Pagnotta, Romano

2016-09-15

We hypothesized that reach-scale, bank and channel modification would impact benthic communities in temporary rivers of Sardinia, when pollution and water abstraction are not relevant. A range of variables were considered, which include both artificial structures/alterations and natural features observed in a stream reach. Multivariate regression trees (MRT) were used to assess the effects of the explanatory variables on invertebrate assemblages and five groups, characterized by different habitat modification and/or features, were recognized. Four node variables determined the splits in the MRT analysis: channel reinforcement, tree-related bank and channel habitats, channel modification and bank modification. Continuity of trees in the river corridor diverged among MRT groups and significant differences among groups include presence of alders, extent of channel shading and substrate diversity. Also, the percentage of in-stream organic substrates, in particular CPOM/Xylal, showed highly significant differences among groups. For practical applications, thresholds for the extent of channel reinforcement (40%) and modification (10%) and for bank alteration (≈30%) were provided, that can be used to guide the implementation of restoration measures. In moderately altered river reaches, a significant extent of tree-related habitats (≈5%) can noticeably mitigate the effects of morphological alteration on aquatic invertebrates. The outcomes highlight the importance of riparian zone management as an opportune, achievable prospect in the restoration of Mediterranean temporary streams. The impact of bank and channel modification on ecological status (sensu WFD) was investigated and the tested benthic metrics, especially those based on abundance data, showed legible differences among MRT groups. Finally, bank and channel modification appears to be a potential threat for the conservation of a few Sardo-Corsican endemic species. The introduction of management criteria that

Legacy effects of colonial millponds on floodplain sedimentation, bank erosion, and channel morphology, MID-Atlantic, USA

Science.gov (United States)

Schenk, E.R.; Hupp, C.R.

2009-01-01

Many rivers and streams of the Mid-Atlantic Region, United States (U.S.) have been altered by postcolonial floodplain sedimentation (legacy sediment) associated with numerous milldams. Little Conestoga Creek, Pennsylvania, a tributary to the Susquehanna River and the Chesapeake Bay, is one of these streams. Floodplain sedimentation rates, bank erosion rates, and channel morphology were measured annually during 2004-2007 at five sites along a 28-km length of Little Conestoga Creek with nine colonial era milldams (one dam was still in place in 2007). This study was part of a larger cooperative effort to quantify floodplain sedimentation, bank erosion, and channel morphology in a high sediment yielding region of the Chesapeake Bay watershed. Data from the five sites were used to estimate the annual volume and mass of sediment stored on the floodplain and eroded from the banks for 14 segments along the 28-km length of creek. A bank and floodplain reach based sediment budget (sediment budget) was constructed for the 28 km by summing the net volume of sediment deposited and eroded from each segment. Mean floodplain sedimentation rates for Little Conestoga Creek were variable, with erosion at one upstream site (-5 mm/year) to deposition at the other four sites (highest = 11 mm/year) despite over a meter of floodplain aggradation from postcolonial sedimentation. Mean bank erosion rates range between 29 and 163 mm/year among the five sites. Bank height increased 1 m for every 10.6 m of channel width, from upstream to downstream (R2 = 0.79, p channel and the floodplain. Floodplain sedimentation and bank erosion rates also appear to be affected by the proximity of the segments to one existing milldam, which promotes deposition upstream and scouring downstream. The floodplain and bank along the 28-km reach produced a net mean sediment loss of 5,634 Mg/year for 2004-2007, indicating that bank erosion was exceeding floodplain sedimentation. In particular, the three segments

A study for bank effect on ship traffic in narrow water channels using cellular automata

Science.gov (United States)

Sun, Zhuo; Cong, Shuang; Pan, Junnan; Zheng, Jianfeng

2017-12-01

In narrow water channels, bank might affect nearby ships due to hydrodynamic forces (bank effect). To avoid accidents, different sailing rules (i.e., lane-changing, speed control) are required. In this paper, a two-lane cellular automata model is proposed to evaluate such phenomena. Numerical experiments show that ships will form a “slow-moving chunk” in the bank area, which will significantly block the flux. As further study demonstrated to alleviate bank effect, ship speed and bank length should be controlled.

Molecular Mechanisms of Attenuation of the Sabin Strain of Poliovirus Type 3

OpenAIRE

Guest, Stephen; Pilipenko, Evgeny; Sharma, Kamal; Chumakov, Konstantin; Roos, Raymond P.

2004-01-01

Mutations critical for the central nervous system (CNS) attenuation of the Sabin vaccine strains of poliovirus (PV) are located within the viral internal ribosome entry site (IRES). We examined the interaction of the IRESs of PV type 3 (PV3) and Sabin type 3 (Sabin3) with polypyrimidine tract-binding protein (PTB) and a neural cell-specific homologue, nPTB. PTB and nPTB were found to bind to a site directly adjacent to the attenuating mutation, and binding at this site was less efficient on t...

[Immunogenicity of sabin inactivated poliovirus vaccine induced by diphtheria-tetanus-acellular pertussis and Sabin inactivated poliovirus combined vaccine].

Science.gov (United States)

Ma, Yan; Qin, Min; Hu, Hui-Qiong; Ji, Guang; Feng, Ling; Gao, Na; Gu, Jie; Xie, Bing-Feng; He, Ji-Hong; Sun, Ming-Bo

2011-06-01

In order to search the preparation process and optimazing dosage ratio of adsorbed diphtheria-tetanus-acellular pertussis and sabin inactivated poliovirus combined vaccine (DTaP-sIPV), the neutralizing antibody titers of IPV induced by different concentration of DTaP-sIPV were investigated on rats. Two batches of DTaP-sLPV were produced using different concentration of sIPV and the quality control was carried. Together with sabin-IPV and DTaP-wIPV ( boostrix-polio, GSK, Belgium) as control group, the DTaP-sIPV were administrated on three-dose schedule at 0, 1, 2 month on rats. Serum sample were collected 30 days after each dose and neutralizing antibody titers against three types poliovirus were determined using micro-neutralization test. Two batches of prepared DTaP-sIPV and control sLPV were according to the requirement of Chinese Pharmacopoeia (Volume III, 2005 edition) and showed good stability. The seropositivity rates were 100% for sabin inactivated poliovirus antigen in all groups. The GMTs (Geometric mean titers) of neutralizing antibodies against three types poliovirus increased. The prepared DTaP-sIPV was safe, stable and effective and could induced high level neutralizing antibody against poliovirus on rats.

[Effect of 2-phenoxyethanol on potency of Sabin inactivated poliomyelitis vaccine and its safety].

Science.gov (United States)

Bian, Chuan-xiu; Jiang, Shu-de; Yang, Jian-yong; Sun, Ming-bo; Xie, Ming-xue; Zhang, Xin-wen; Liao, Guo-yang; Li, Wei-dong

2007-03-01

To investigate the effect of 2-phenoxyethanol on potency of Sabin inactivated poliomyelitis vaccine (IPV). Sabin IPV samples containing 5 mg or 7 mg 2-phenoxyethanol each dosage respectively were placed separately at 4 degrees C, 37 degrees C for 2 days and 7 days. D-antigen contents were tested with ELISA method. Then neutralizing antibodies in mice and guinea pigs were detected. The safety experiment was performed according to unusual toxicity test of China requirement for biological product. After addition of 2-phenoxyethanol, the I, II, and III D-antigen contents of Sabin IPV did not change. The antibody levels in mice and guinea pigs were not different between experimental group and control group. Animals were safe during observation period. 2-Phenoxyethanol had no effect on potency and safety of Sabin IPV. It can be used as antiseptic for Sabin IPV.

76 FR 63914 - Sabine River Authority of Texas and Sabine River Authority, State of Louisiana; Notice of...

Science.gov (United States)

2011-10-14

...-foot-high powerhouse located in the right abutment, containing two vertical Kaplan turbines with an... adjacent to the powerhouse. The Sabine River Authorities propose to construct a 1.3-MW minimum flow turbine...

Channel Utilization in South Louisiana Using AIS Data, 2011-2012

Directory of Open Access Journals (Sweden)

M.J. Kaiser

2014-12-01

Full Text Available South Louisiana is undergoing rapid land loss and the construction and utilization of navigation channels by the offshore oil and gas industry, the commercial fishing industry, the oil refining industry, and freight shippers is one cause. A network of natural and man-made navigation channels support commerce and industry throughout the region, but no quantitative information is available on the users of the channels and their contribution to land loss. The purpose of this note is to characterize utilization across eight channels in South Louisiana using data from the Automatic Identification System. Approximately 125,000 vessels used the channels over a two year period between 2011-2012. The Mississippi River was the most heavily utilized channel with an average of 345 vessels per week across the report zone, followed by Bayou Lafourche and Sabine Pass with about 195 vessels per week. The oil refining industry was the primary user of the Calcasieu and Sabine Pass channels while the freight industry was the primary user of the Mississippi River. The offshore oil and gas industry were the primary users of Bayou Lafourche, the Houma Navigation Canal, the Atchafalaya River and Freshwater Bayou.

Hypersensitivity reactions to the Sabin vaccine in children with cow's milk allergy.

Science.gov (United States)

Parisi, C A S; Smaldini, P L; Gervasoni, M E; Maspero, J F; Docena, G H

2013-02-01

The Sabin vaccine is used world-wide, and most children with food allergies receive it without incident. However, in the 2009 vaccination campaign conducted in Argentina, four children experienced immediate-type hypersensitivity reactions following vaccination. We aimed to review the medical history of the affected children, study their allergic condition after the episodes and analyse the presence of allergenic vaccine components. Patients were selected based on their immediate allergic reactions following vaccination. They were assessed for allergies to cow's milk and hen's egg. The presence of cow's milk proteins in the vaccine was tested by various immunoassays involving cow's milk- or α-lactalbumin-specific polyclonal rabbit antiserum and patient sera. All of the patients had a history of milk allergy, and no history or current evidence of egg hypersensitivity was found. Levels of cow's milk- and Sabin vaccine-specific IgE were increased, and the result of a skin prick test with cow's milk proteins or the Sabin vaccine was positive in each patient. In addition, an ELISA using specific rabbit antiserum detected α-lactalbumin in the Sabin vaccine. When α-lactalbumin was employed as a soluble inhibitor in a competitive ELISA, binding to vaccine-coated plates by cow's milk- or α-lactalbumin-specific rabbit antiserum or by patient serum containing IgE was inhibited. We have demonstrated that these patients were allergic to cow's milk, and had circulating and mast cell-bound IgE antibodies specific to cow's milk proteins. We found that the Sabin vaccine contained α-lactalbumin, which may have been responsible for the reactions elicited following vaccination with the Sabin and dual viral vaccines in combination. © 2012 Blackwell Publishing Ltd.

Antigenic characterization of a formalin-inactivated poliovirus vaccine derived from live-attenuated Sabin strains.

Science.gov (United States)

Tano, Yoshio; Shimizu, Hiroyuki; Martin, Javier; Nishimura, Yorihiro; Simizu, Bunsiti; Miyamura, Tatsuo

2007-10-10

A candidate inactivated poliovirus vaccine derived from live-attenuated Sabin strains (sIPV), which are used in the oral poliovirus vaccine (OPV), was prepared in a large-production scale. The modification of viral antigenic epitopes during the formalin inactivation process was investigated by capture ELISA assays using type-specific and antigenic site-specific monoclonal antibodies (MoAbs). The major antigenic site 1 was modified during the formalin inactivation of Sabin 1. Antigenic sites 1-3 were slightly modified during the formalin inactivation of Sabin 2 strain. Sites 1 and 3 were altered on inactivated Sabin 3 virus. These alterations were different to those shown by wild-type Saukett strain, used in conventional IPV (cIPV). It has been previously reported that type 1 sIPV showed higher immunogenicity to type 1 cIPV whereas types 2 and 3 sIPV induced lower level of immunogenicity than their cIPV counterparts. Our results suggest that the differences in epitope structure after formalin inactivation may account, at least in part, for the observed differences in immunogenicity between Sabin and wild-type inactivated poliovaccines.

Legacy effects of colonial millponds on floodplain sedimentation, bank erosion, and channel morphology, MID-Atlantic, USA

Science.gov (United States)

Schenk, E.R.; Hupp, C.R.

2009-01-01

Many rivers and streams of the Mid-Atlantic Region, United States (U.S.) have been altered by postcolonial floodplain sedimentation (legacy sediment) associated with numerous milldams. Little Conestoga Creek, Pennsylvania, a tributary to the Susquehanna River and the Chesapeake Bay, is one of these streams. Floodplain sedimentation rates, bank erosion rates, and channel morphology were measured annually during 2004-2007 at five sites along a 28-km length of Little Conestoga Creek with nine colonial era milldams (one dam was still in place in 2007). This study was part of a larger cooperative effort to quantify floodplain sedimentation, bank erosion, and channel morphology in a high sediment yielding region of the Chesapeake Bay watershed. Data from the five sites were used to estimate the annual volume and mass of sediment stored on the floodplain and eroded from the banks for 14 segments along the 28-km length of creek. A bank and floodplain reach based sediment budget (sediment budget) was constructed for the 28 km by summing the net volume of sediment deposited and eroded from each segment. Mean floodplain sedimentation rates for Little Conestoga Creek were variable, with erosion at one upstream site (-5 mm/year) to deposition at the other four sites (highest = 11 mm/year) despite over a meter of floodplain aggradation from postcolonial sedimentation. Mean bank erosion rates range between 29 and 163 mm/year among the five sites. Bank height increased 1 m for every 10.6 m of channel width, from upstream to downstream (R2 = 0.79, p scouring downstream. The floodplain and bank along the 28-km reach produced a net mean sediment loss of 5,634 Mg/year for 2004-2007, indicating that bank erosion was exceeding floodplain sedimentation. In particular, the three segments between the existing dam and the confluence with the Conestoga River (32% of the studied reach) account for 97% of the measured net sediment budget. Future research directed at understanding channel

Sporadic isolation of sabin-like polioviruses and high-level detection of non-polio enteroviruses during sewage surveillance in seven Italian cities, after several years of inactivated poliovirus vaccination.

Science.gov (United States)

Battistone, A; Buttinelli, G; Fiore, S; Amato, C; Bonomo, P; Patti, A M; Vulcano, A; Barbi, M; Binda, S; Pellegrinelli, L; Tanzi, M L; Affanni, P; Castiglia, P; Germinario, C; Mercurio, P; Cicala, A; Triassi, M; Pennino, F; Fiore, L

2014-08-01

Sewage surveillance in seven Italian cities between 2005 and 2008, after the introduction of inactivated poliovirus vaccination (IPV) in 2002, showed rare polioviruses, none that were wild-type or circulating vaccine-derived poliovirus (cVDPV), and many other enteroviruses among 1,392 samples analyzed. Two of five polioviruses (PV) detected were Sabin-like PV2 and three PV3, based on enzyme-linked immunosorbent assay (ELISA) and PCR results. Neurovirulence-related mutations were found in the 5'noncoding region (5'NCR) of all strains and, for a PV2, also in VP1 region 143 (Ile>Thr). Intertypic recombination in the 3D region was detected in a second PV2 (Sabin 2/Sabin 1) and a PV3 (Sabin 3/Sabin 2). The low mutation rate in VP1 for all PVs suggests limited interhuman virus passages, consistent with efficient polio immunization in Italy. Nonetheless, these findings highlight the risk of wild or Sabin poliovirus reintroduction from abroad. Non-polio enteroviruses (NPEVs) were detected, 448 of which were coxsackievirus B (CVB) and 294 of which were echoviruses (Echo). Fifty-six NPEVs failing serological typing were characterized by sequencing the VP1 region (nucleotides [nt] 2628 to 2976). A total of 448 CVB and 294 Echo strains were identified; among those strains, CVB2, CVB5, and Echo 11 predominated. Environmental CVB5 and CVB2 strains from this study showed high sequence identity with GenBank global strains. The high similarity between environmental NPEVs and clinical strains from the same areas of Italy and the same periods indicates that environmental strains reflect the viruses circulating in the population and highlights the potential risk of inefficient wastewater treatments. This study confirmed that sewage surveillance can be more sensitive than acute flaccid paralysis (AFP) surveillance in monitoring silent poliovirus circulation in the population as well as the suitability of molecular approaches to enterovirus typing.

Pioneering figures in medicine: Albert Bruce Sabin--inventor of the oral polio vaccine.

Science.gov (United States)

Smith, Derek R; Leggat, Peter A

2005-01-01

Over ten years after his death, the Sabin oral vaccine continues its profound influence on public health throughout the world. The annual incidence of polio has fallen dramatically since its introduction, with more than 300,000 lives being spared each year and an annual global saving in excess of 1 billion US dollars. In many ways, the development of an effective oral vaccine and its subsequent regulation by the World Health Organization can serve as a model for medical researchers. Our review describes the contribution of Albert Sabin as a medical researcher, and how his vaccine had a profound impact on the global reduction of polio infections. As many different factors influenced health-care last century, we describe Sabin's involvement with respect to prevailing scientific paradigms and public health issues of the time. Our paper also outlines the basic epidemiology of poliovirus and the historical development of an effective vaccine, both with and without Albert Sabin.

Nucleobase but not Sugar Fidelity is Maintained in the Sabin I RNA-Dependent RNA Polymerase.

Science.gov (United States)

Liu, Xinran; Musser, Derek M; Lee, Cheri A; Yang, Xiaorong; Arnold, Jamie J; Cameron, Craig E; Boehr, David D

2015-10-26

The Sabin I poliovirus live, attenuated vaccine strain encodes for four amino acid changes (i.e., D53N, Y73H, K250E, and T362I) in the RNA-dependent RNA polymerase (RdRp). We have previously shown that the T362I substitution leads to a lower fidelity RdRp, and viruses encoding this variant are attenuated in a mouse model of poliovirus. Given these results, it was surprising that the nucleotide incorporation rate and nucleobase fidelity of the Sabin I RdRp is similar to that of wild-type enzyme, although the Sabin I RdRp is less selective against nucleotides with modified sugar groups. We suggest that the other Sabin amino acid changes (i.e., D53N, Y73H, K250E) help to re-establish nucleotide incorporation rates and nucleotide discrimination near wild-type levels, which may be a requirement for the propagation of the virus and its efficacy as a vaccine strain. These results also suggest that the nucleobase fidelity of the Sabin I RdRp likely does not contribute to viral attenuation.

DISTRIBUTION OF BANKING PRODUCTS AND SERVICES

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BULGAREA CATALIN NICOLAE

2010-12-01

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

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.

Nucleobase but not Sugar Fidelity is Maintained in the Sabin I RNA-Dependent RNA Polymerase

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Xinran Liu

2015-10-01

Full Text Available The Sabin I poliovirus live, attenuated vaccine strain encodes for four amino acid changes (i.e., D53N, Y73H, K250E, and T362I in the RNA-dependent RNA polymerase (RdRp. We have previously shown that the T362I substitution leads to a lower fidelity RdRp, and viruses encoding this variant are attenuated in a mouse model of poliovirus. Given these results, it was surprising that the nucleotide incorporation rate and nucleobase fidelity of the Sabin I RdRp is similar to that of wild-type enzyme, although the Sabin I RdRp is less selective against nucleotides with modified sugar groups. We suggest that the other Sabin amino acid changes (i.e., D53N, Y73H, K250E help to re-establish nucleotide incorporation rates and nucleotide discrimination near wild-type levels, which may be a requirement for the propagation of the virus and its efficacy as a vaccine strain. These results also suggest that the nucleobase fidelity of the Sabin I RdRp likely does not contribute to viral attenuation.

„Der“ Feminismus – „die“ Wissenschaft. Sabine Hark stellt metafeministische Fragen Feminism-Science: Sabine Hark Poses Meta-Feminist Questions

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Petra Gehring

2006-07-01

Full Text Available Ein Anlauf zu einem großen Thema: Wie veränderte sich der Feminismus im Zuge des „akademisch Werdens“ der feministischen Theorie? Sabine Hark mischt Theoriekritik mit Wissens- und Universitätssoziologie. Heraus kommen im Ergebnis allerdings eher vorsichtige, ambivalente Einschätzungen – aus einer Perspektive von irgendwo oberhalb des feministischen Diskurses, einem schwer bestimmbaren Ort. Immerhin: Kapitel 5 enthält eine handfeste und wichtige These.A preliminary approach to a considerable theme: How does feminism change in relation to the “academic development” of feminist theory? Sabine Hark mixes critique of theory with sociology of knowledge and university sociology. Her results are ultimately rather careful, ambivalent assessments occurring from a perspective somewhere above feminist discourse, which is a very difficult place to pinpoint. Chapter five does contain a sound and important thesis.

The Impact of the Basel III Liquidity Regulations on the Bank Lending Channel: A Luxembourg case study

OpenAIRE

Gaston Giordana; Ingmar Schumacher

2011-01-01

In this paper we study the impact of the Basel III liquidity regulations, namely the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR), on the bank lending channel in Luxembourg. For this aim we built, based on individual bank data, time series of the LCR and NSFR for a sample of banks covering between 82% and 100% of total assets of the banking sector. Additionally, we simulated the optimal balance sheet adjustments needed to adhere to the regulations. We extend the exis...

Hydrologic modeling as a tool for land management and contingency planning in the Calcasieu Sabine Basin. Volume 1

International Nuclear Information System (INIS)

Myers, J.; Meselhe, E.; Kheiashy, K.; Miller, R.; Douglas, C.

2007-01-01

The Calcasieu-Sabine Basin in southwest Louisiana contains approximately 126,518 hectares of wetlands, consisting of fresh marsh, intermediate marsh, brackish marsh and saline marsh. The hydrodynamics of the basin involves a combination of estuarine processes such as saltwater intrusion, response to water level fluctuations at an open boundary and lake dynamics. The basin is also affected by deep ship channels. As such, a robust, flexible and efficient numerical model is needed to incorporate all of these processes in an operational program. This study developed a hydrodynamic and salinity model for a portion of the basin that includes the lakes and marshes for the purpose of land management and contingency planning. The newly developed finite-difference hydrodynamic and salinity model is a combination of 1 and 2 dimensional computations and is intended for land, wildlife and habitat management. It can be used as a coastal restoration tool to evaluate the effectiveness of future and ongoing coastal restoration projects. The model was calibrated and validated against field measurements. It was shown to produce accurate simulations of the complex flow patterns of the Calcasieu-Sabine Basin along with information on salinity, water level fluctuations, velocities and discharges throughout the main channels and open water bodies within the area. It was concluded that the model provides a very useful planning and adaptive management tool to improve the understanding of the complex hydrology and salinity circulation pattern within the system. 5 refs., 4 tabs., 9 figs

Differential induction of Toll-like receptors & type 1 interferons by Sabin attenuated & wild type 1 polioviruses in human neuronal cells.

Science.gov (United States)

Mohanty, Madhu C; Deshpande, Jagadish M

2013-01-01

Polioviruses are the causative agent of paralytic poliomyelitis. Attenuated polioviruses (Sabin oral poliovirus vaccine strains) do not replicate efficiently in neurons as compared to the wild type polioviruses and therefore do not cause disease. This study was aimed to investigate the differential host immune response to wild type 1 poliovirus (wild PV) and Sabin attenuated type 1 poliovirus (Sabin PV) in cultured human neuronal cells. By using flow cytometry and real time PCR methods we examined host innate immune responses and compared the role of toll like receptors (TLRs) and cytoplasmic RNA helicases in cultured human neuronal cells (SK-N-SH) infected with Sabin PV and wild PV. Human neuronal cells expressed very low levels of TLRs constitutively. Sabin PV infection induced significantly higher expression of TLR3, TLR7 and melanoma differentiation-associated protein-5 (MDA-5) m-RNA in neuronal cells at the beginning of infection (up to 4 h) as compared to wild PV. Further, Sabin PV also induced the expression of interferon α/β at early time point of infection. The induced expression of IFN α/β gene by Sabin PV in neuronal cells could be suppressed by inhibiting TLR7. Neuronal cell innate immune response to Sabin and wild polioviruses differ significantly for TLR3, TLR7, MDA5 and type 1 interferons. Effects of TLR7 activation and interferon production and Sabin virus replication in neuronal cells need to be actively investigated in future studies.

Differential induction of Toll-like receptors & type 1 interferons by Sabin attenuated & wild type 1 polioviruses in human neuronal cells

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Madhu C Mohanty

2013-01-01

Full Text Available Background & objectives: Polioviruses are the causative agent of paralytic poliomyelitis. Attenuated polioviruses (Sabin oral poliovirus vaccine strains do not replicate efficiently in neurons as compared to the wild type polioviruses and therefore do not cause disease. This study was aimed to investigate the differential host immune response to wild type 1 poliovirus (wild PV and Sabin attenuated type 1 poliovirus (Sabin PV in cultured human neuronal cells. Methods: By using flow cytometry and real time PCR methods we examined host innate immune responses and compared the role of toll like receptors (TLRs and cytoplasmic RNA helicases in cultured human neuronal cells (SK-N-SH infected with Sabin PV and wild PV. Results: Human neuronal cells expressed very low levels of TLRs constitutively. Sabin PV infection induced significantly higher expression of TLR3, TLR7 and melanoma differentiation-associated protein-5 (MDA-5 m-RNA in neuronal cells at the beginning of infection (up to 4 h as compared to wild PV. Further, Sabin PV also induced the expression of interferon α/β at early time point of infection. The induced expression of IFN α/β gene by Sabin PV in neuronal cells could be suppressed by inhibiting TLR7. Interpretation & conclusions: Neuronal cell innate immune response to Sabin and wild polioviruses differ significantly for TLR3, TLR7, MDA5 and type 1 interferons. Effects of TLR7 activation and interferon production and Sabin virus replication in neuronal cells need to be actively investigated in future studies.

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

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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.

High-Resolution Inkjet-Printed Oxide Thin-Film Transistors with a Self-Aligned Fine Channel Bank Structure.

Science.gov (United States)

Zhang, Qing; Shao, Shuangshuang; Chen, Zheng; Pecunia, Vincenzo; Xia, Kai; Zhao, Jianwen; Cui, Zheng

2018-05-09

A self-aligned inkjet printing process has been developed to construct small channel metal oxide (a-IGZO) thin-film transistors (TFTs) with independent bottom gates on transparent glass substrates. Poly(methylsilsesquioxane) was used to pattern hydrophobic banks on the transparent substrate instead of commonly used self-assembled octadecyltrichlorosilane. Photolithographic exposure from backside using bottom-gate electrodes as mask formed hydrophilic channel areas for the TFTs. IGZO ink was selectively deposited by an inkjet printer in the hydrophilic channel region and confined by the hydrophobic bank structure, resulting in the precise deposition of semiconductor layers just above the gate electrodes. Inkjet-printed IGZO TFTs with independent gate electrodes of 10 μm width have been demonstrated, avoiding completely printed channel beyond the broad of the gate electrodes. The TFTs showed on/off ratios of 10 8 , maximum mobility of 3.3 cm 2 V -1 s -1 , negligible hysteresis, and good uniformity. This method is conductive to minimizing the area of printed TFTs so as to the development of high-resolution printing displays.

Sabin Vaccine Reversion in the Field: a Comprehensive Analysis of Sabin-Like Poliovirus Isolates in Nigeria

OpenAIRE

Famulare, Michael; Chang, Stewart; Iber, Jane; Zhao, Kun; Adeniji, Johnson A.; Bukbuk, David; Baba, Marycelin; Behrend, Matthew; Burns, Cara C.; Oberste, M. Steven

2015-01-01

To assess the dynamics of genetic reversion of live poliovirus vaccine in humans, we studied molecular evolution in Sabin-like poliovirus isolates from Nigerian acute flaccid paralysis cases obtained from routine surveillance. We employed a novel modeling approach to infer substitution and recombination rates from whole-genome sequences and information about poliovirus infection dynamics and the individual vaccination history. We confirmed observations from a recent vaccine trial that VP1 sub...

Pressure for Pattern-Specific Intertypic Recombination between Sabin Polioviruses: Evolutionary Implications.

Science.gov (United States)

Korotkova, Ekaterina; Laassri, Majid; Zagorodnyaya, Tatiana; Petrovskaya, Svetlana; Rodionova, Elvira; Cherkasova, Elena; Gmyl, Anatoly; Ivanova, Olga E; Eremeeva, Tatyana P; Lipskaya, Galina Y; Agol, Vadim I; Chumakov, Konstantin

2017-11-22

Complete genomic sequences of a non-redundant set of 70 recombinants between three serotypes of attenuated Sabin polioviruses as well as location (based on partial sequencing) of crossover sites of 28 additional recombinants were determined and compared with the previously published data. It is demonstrated that the genomes of Sabin viruses contain distinct strain-specific segments that are eliminated by recombination. The presumed low fitness of these segments could be linked to mutations acquired upon derivation of the vaccine strains and/or may have been present in wild-type parents of Sabin viruses. These "weak" segments contribute to the propensity of these viruses to recombine with each other and with other enteroviruses as well as determine the choice of crossover sites. The knowledge of location of such segments opens additional possibilities for the design of more genetically stable and/or more attenuated variants, i.e., candidates for new oral polio vaccines. The results also suggest that the genome of wild polioviruses, and, by generalization, of other RNA viruses, may harbor hidden low-fitness segments that can be readily eliminated only by recombination.

Temporal association between the isolation of Sabin-related poliovirus vaccine strains and the Guillain-Barré syndrome

OpenAIRE

Friedrich, F.; Filippis, A. M. B.; Schatzmayr, H. G.

1996-01-01

Thirty eight paralysis cases classified as Guillain-Barré syndrome (GBS) in Brazil were analysed. In all these cases Sabin-related poliovirus vaccine strains were isolated. In most of the cases the last vaccine dose was given months or years before the onset of GBS, suggesting a persistent infection or the transmission of the Sabin-related strains to the patients. The isolation of Sabin-related strains from GBS cases some days or weeks after the onset of the disease, demonstrated a temporal a...

Reactogenicity and immunogenicity of inactivated poliovirus vaccine produced from Sabin strains: a phase I Trial in healthy adults in Cuba.

Science.gov (United States)

Resik, Sonia; Tejeda, Alina; Fonseca, Magilé; Alemañi, Nilda; Diaz, Manuel; Martinez, Yenisleidys; Garcia, Gloria; Okayasu, Hiromasa; Burton, Anthony; Bakker, Wilfried A M; Verdijk, Pauline; Sutter, Roland W

2014-09-22

To ensure that developing countries have the option to produce inactivated poliovirus vaccine (IPV), the Global Polio Eradication Initiative has promoted the development of an IPV using Sabin poliovirus strains (Sabin IPV). This trial assessed the reactogenicity and immunogenicity of Sabin IPV and adjuvanted Sabin IPV in healthy adults in Cuba. This is a randomized, controlled phase I trial, enrolling 60 healthy (previously vaccinated) male human volunteers, aged 19-23 years to receive one dose of either Sabin IPV (20:32:64 DU/dose), adjuvanted Sabin IPV (10:16:32 DU/dose), or conventional Salk IPV (40:8:32 DU/dose). The primary endpoint for reactogenicity relied on monitoring of adverse events. The secondary endpoint measured boosting immune responses (i.e. seroconversion or 4-fold rise) of poliovirus antibody, assessed by neutralization assays. Sixty subjects fulfilled the study requirements. No serious adverse events reported were attributed to trial interventions during the 6-month follow-up period. Twenty-eight days after vaccination, boosting immune responses against poliovirus types 1-3 were between 90% and 100% in all vaccination groups. There was a more than 6-fold increase in median antibody titers between pre- and post-vaccination titers in all vaccination groups. Both Sabin IPV and adjuvanted Sabin IPV were well tolerated and immunogenic against all poliovirus serotypes. This result suggests that the aluminum adjuvant may allow a 50% (or higher) dose reduction. Copyright © 2014. Published by Elsevier Ltd.

Safety and immunogenicity of inactivated poliovirus vaccine based on Sabin strains with and without aluminum hydroxide: a phase I trial in healthy adults.

Science.gov (United States)

Verdijk, Pauline; Rots, Nynke Y; van Oijen, Monique G C T; Oberste, M Steven; Boog, Claire J; Okayasu, Hiromasa; Sutter, Roland W; Bakker, Wilfried A M

2013-11-12

An inactivated poliovirus vaccine (IPV) based on attenuated poliovirus strains (Sabin-1, -2 and -3) was developed for technology transfer to manufacturers in low- and middle income countries in the context of the Global Polio Eradication Initiative. Safety and immunogenicity of the Sabin-IPV was evaluated in a double-blind, randomized, controlled, phase I 'proof-of-concept' trial. Healthy male adults received a single intramuscular injection with Sabin-IPV, Sabin-IPV adjuvanted with aluminum hydroxide or conventional IPV. Virus-neutralizing titers against both Sabin and wild poliovirus strains were determined before and 28 days after vaccination. No vaccine-related serious adverse events were observed, and all local and systemic reactions were mild or moderate and transient. In all subjects, an increase in antibody titer for all types of poliovirus (both Sabin and wild strains) was observed 28 days after vaccination. Sabin-IPV and Sabin-IPV adjuvanted with aluminum hydroxide administered as a booster dose were equally immunogenic and safe as conventional IPV. EudraCTnr: 2010-024581-22, NCT01708720. Copyright © 2013 Elsevier Ltd. All rights reserved.

Temporal association between the isolation of Sabin-related poliovirus vaccine strains and the Guillain-Barré syndrome

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F. Friedrich

1996-02-01

Full Text Available Thirty eight paralysis cases classified as Guillain-Barré syndrome (GBS in Brazil were analysed. In all these cases Sabin-related poliovirus vaccine strains were isolated. In most of the cases the last vaccine dose was given months or years before the onset of GBS, suggesting a persistent infection or the transmission of the Sabin-related strains to the patients. The isolation of Sabin-related strains from GBS cases some days or weeks after the onset of the disease, demonstrated a temporal association between the isolation of the strains and the disease. Although the isolates from the GBS cases may not be the etiological agent of the disease, this study strongly indicates that infections caused by Sabin-related vaccine strains can trigger the GBS in certain cases.

Characterization and standardization of Sabin based inactivated polio vaccine: proposal for a new antigen unit for inactivated polio vaccines.

Science.gov (United States)

Westdijk, Janny; Brugmans, Debbie; Martin, Javier; van't Oever, Aart; Bakker, Wilfried A M; Levels, Lonneke; Kersten, Gideon

2011-04-18

GMP-batches of Sabin-IPV were characterized for their antigenic and immunogenic properties. Antigenic fingerprints of Sabin-IPV reveal that the D-antigen unit is not a fixed amount of antigen but depends on antibody and assay type. Instead of the D-antigen unit we propose standardization of IPV based on a combination of protein amount for dose and D-antigenicity for quality of the vaccine. Although Sabin-IPV type 2 is less immunogenic than regular wild type IPV type 2, the immunogenicity (virus neutralizing titers) per microgram antigen for Sabin-IPV type 2 is in the same order as for wild type serotypes 1 and 3. The latter observations are in line with data from human trials. This suggests that a higher dose of Sabin-IPV type 2 to compensate for the lower rat immunogenicity may not be necessary. Copyright © 2011 Elsevier Ltd. All rights reserved.

Türkiye’de Banka Kredi Kanalının İşleyişi: Ampirik Bir Analiz(Processing of Bank Lending Channel in Turkey: An Empirical Analysis

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Osman PEKER

2011-01-01

Full Text Available In this study, processing of bank lending channel in Turkey was tested with the help of vector auto regression (VAR method by using 1990:01-2008:11 period monthly data. Processing of bank lending channel was investigated on the basis of two different monetary policy variables. According to the empirical findings of the study, on the contrary overnight interest rate, money supply was found to be a more effective monetary policy variable. In case of controling money supply, Central Bank can operate effectively bank credit channels and therefore the amount of output and inflation is going to be directed more easily. In this context it can be said that the processing of the bank lending channel is effective in Turkey.

Deriving principal channel metrics from bank and long-profile geometry with the R package cmgo

Science.gov (United States)

Golly, Antonius; Turowski, Jens M.

2017-09-01

Landscape patterns result from landscape forming processes. This link can be exploited in geomorphological research by reversely analyzing the geometrical content of landscapes to develop or confirm theories of the underlying processes. Since rivers represent a dominant control on landscape formation, there is a particular interest in examining channel metrics in a quantitative and objective manner. For example, river cross-section geometry is required to model local flow hydraulics, which in turn determine erosion and thus channel dynamics. Similarly, channel geometry is crucial for engineering purposes, water resource management, and ecological restoration efforts. These applications require a framework to capture and derive the data. In this paper we present an open-source software tool that performs the calculation of several channel metrics (length, slope, width, bank retreat, knickpoints, etc.) in an objective and reproducible way based on principal bank geometry that can be measured in the field or in a GIS. Furthermore, the software provides a framework to integrate spatial features, for example the abundance of species or the occurrence of knickpoints. The program is available at https://github.com/AntoniusGolly/cmgo and is free to use, modify, and redistribute under the terms of the GNU General Public License version 3 as published by the Free Software Foundation.

Determinants of attenuation and temperature sensitivity in the type 1 poliovirus Sabin vaccine.

OpenAIRE

Bouchard, M J; Lam, D H; Racaniello, V R

1995-01-01

To identify determinants of attenuation in the poliovirus type 1 Sabin vaccine strain, a series of recombinant viruses were constructed by using infectious cDNA clones of the virulent type 1 poliovirus P1/Mahoney and the attenuated type 1 vaccine strain P1/Sabin. Intracerebral inoculation of these viruses into transgenic mice which express the human receptor for poliovirus identified regions of the genome that conferred reduced neurovirulence. Exchange of smaller restriction fragments and sit...

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

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Shaeen Kalathil

2016-03-01

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

Pressure for Pattern-Specific Intertypic Recombination between Sabin Polioviruses: Evolutionary Implications

Directory of Open Access Journals (Sweden)

Ekaterina Korotkova

2017-11-01

Full Text Available Complete genomic sequences of a non-redundant set of 70 recombinants between three serotypes of attenuated Sabin polioviruses as well as location (based on partial sequencing of crossover sites of 28 additional recombinants were determined and compared with the previously published data. It is demonstrated that the genomes of Sabin viruses contain distinct strain-specific segments that are eliminated by recombination. The presumed low fitness of these segments could be linked to mutations acquired upon derivation of the vaccine strains and/or may have been present in wild-type parents of Sabin viruses. These “weak” segments contribute to the propensity of these viruses to recombine with each other and with other enteroviruses as well as determine the choice of crossover sites. The knowledge of location of such segments opens additional possibilities for the design of more genetically stable and/or more attenuated variants, i.e., candidates for new oral polio vaccines. The results also suggest that the genome of wild polioviruses, and, by generalization, of other RNA viruses, may harbor hidden low-fitness segments that can be readily eliminated only by recombination.

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.

Immune Serum From Sabin Inactivated Poliovirus Vaccine Immunization Neutralizes Multiple Individual Wild and Vaccine-Derived Polioviruses.

Science.gov (United States)

Sun, Mingbo; Li, Changgui; Xu, Wenbo; Liao, Guoyang; Li, Rongcheng; Zhou, Jian; Li, Yanping; Cai, Wei; Yan, Dongmei; Che, Yanchun; Ying, Zhifang; Wang, Jianfeng; Yang, Huijuan; Ma, Yan; Ma, Lei; Ji, Guang; Shi, Li; Jiang, Shude; Li, Qihan

2017-05-15

A Sabin strain-based inactivated poliomyelitis vaccine (Sabin-IPV) is the rational option for completely eradicating poliovirus transmission. The neutralizing capacity of Sabin-IPV immune serum to different strains of poliovirus is a key indicator of the clinical protective efficacy of this vaccine. Sera collected from 500 infants enrolled in a randomized, blinded, positive control, phase 2 clinical trial were randomly divided into 5 groups: Groups A, B, and C received high, medium, and low doses, respectively, of Sabin-IPV, while groups D and E received trivalent oral polio vaccine and Salk strain-based IPV, respectively, all on the same schedule. Immune sera were collected after the third dose of primary immunization, and tested in cross-neutralization assays against 19 poliovirus strains of all 3 types. All immune sera from all 5 groups interacted with the 19 poliovirus strains with various titers and in a dose-dependent manner. One type 2 immunodeficiency-associated vaccine-derived poliovirus strain was not recognized by these immune sera. Sabin-IPV vaccine can induce protective antibodies against currently circulating and reference wild poliovirus strains and most vaccine-derived poliovirus strains, with rare exceptions. NCT01056705. © The Author 2017. Published by Oxford University Press for the Infectious Diseases Society of America. All rights reserved. For permissions, e-mail: journals.permissions@oup.com.

Isolation of sabin-like polioviruses from wastewater in a country using inactivated polio vaccine.

Science.gov (United States)

Zurbriggen, Sebastian; Tobler, Kurt; Abril, Carlos; Diedrich, Sabine; Ackermann, Mathias; Pallansch, Mark A; Metzler, Alfred

2008-09-01

From 2001 to 2004, Switzerland switched from routine vaccination with oral polio vaccine (OPV) to inactivated polio vaccine (IPV), using both vaccines in the intervening period. Since IPV is less effective at inducing mucosal immunity than OPV, this change might allow imported poliovirus to circulate undetected more easily in an increasingly IPV-immunized population. Environmental monitoring is a recognized tool for identifying polioviruses in a community. To look for evidence of poliovirus circulation following cessation of OPV use, two sewage treatment plants located in the Zurich area were sampled from 2004 to 2006. Following virus isolation using either RD or L20B cells, enteroviruses and polioviruses were identified by reverse transcription-PCR. A total of 20 out of 174 wastewater samples were positive for 62 Sabin-like isolates. One isolate from each poliovirus-positive sample was analyzed in more detail. Sequencing the complete viral protein 1 (VP1) capsid coding region, as well as intratypic differentiation (ITD), identified 3 Sabin type 1, 13 Sabin type 2, and 4 Sabin type 3 strains. One serotype 1 strain showed a discordant result in the ITD. Three-quarters of the strains showed mutations within the 5' untranslated region and VP1, known to be associated with reversion to virulence. Moreover, three strains showed heterotypic recombination (S2/S1 and S3/S2/S3). The low number of synonymous mutations and the partial temperature sensitivity are not consistent with extended circulation of these Sabin virus strains. Nevertheless, the continuous introduction of polioviruses into the community emphasizes the necessity for uninterrupted child vaccination to maintain high herd immunity.

Development and introduction of inactivated poliovirus vaccines derived from Sabin strains in Japan.

Science.gov (United States)

Shimizu, Hiroyuki

2016-04-07

During the endgame of global polio eradication, the universal introduction of inactivated poliovirus vaccines is urgently required to reduce the risk of vaccine-associated paralytic poliomyelitis and polio outbreaks due to wild and vaccine-derived polioviruses. In particular, the development of inactivated poliovirus vaccines (IPVs) derived from the attenuated Sabin strains is considered to be a highly favorable option for the production of novel IPV that reduce the risk of facility-acquired transmission of poliovirus to the communities. In Japan, Sabin-derived IPVs (sIPVs) have been developed and introduced for routine immunization in November 2012. They are the first licensed sIPVs in the world. Consequently, trivalent oral poliovirus vaccine was used for polio control in Japan for more than half a century but has now been removed from the list of vaccines licensed for routine immunization. This paper reviews the development, introduction, characterization, and global status of IPV derived from attenuated Sabin strains. Copyright © 2014 Elsevier Ltd. All rights reserved.

Clinical development of a novel inactivated poliomyelitis vaccine based on attenuated Sabin poliovirus strains.

Science.gov (United States)

Verdijk, Pauline; Rots, Nynke Y; Bakker, Wilfried A M

2011-05-01

Following achievement of polio eradication, the routine use of all live-attenuated oral poliovirus vaccines should be discontinued. However, the costs per vaccine dose for the alternative inactivated poliovirus vaccine (IPV) are significantly higher and the current production capacity is not sufficient for worldwide distribution of the vaccine. In order to achieve cost-prize reduction and improve affordability, IPV production processes and dose-sparing strategies should be developed to facilitate local manufacture at a relatively lower cost. The use of attenuated Sabin instead of wild-type polio strains will provide additional safety during vaccine production and permits production in low-cost settings. Sabin-IPV is under development by several manufacturers. This article gives an overview of results from clinical trials with Sabin-IPV and discusses the requirements and challenges in the clinical development of this novel IPV.

The equity price channel in a New-Keynesian DSGE model with financial frictions and banking

OpenAIRE

Hylton Hollander; Guangling Liu

2013-01-01

This paper studies the role of the equity price channel in business cycle fluctuations, and highlights the equity price channel as a different aspect to general equilibrium models with financial frictions and, as a result, emphasizes the systemic influence of financial markets on the real economy. We develop a canonical New-Keynesian DSGE model with a tractable role for the equity market in banking, entrepreneur and household economic activities. The model is estimated with Bayesian technique...

National Status and Trends: Bioeffects Program - Sabine Lake, Texas Database

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The toxicity of sediments in Sabine Lake, Texas, and adjoining Intracoastal Waterway canals was determined as part of bioeffects assessment studies managed by NOAA's...

THE RISE OF MOBILE BANKING

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IMOLA DRIGĂ

2015-12-01

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

Sit Down with Sabin: Venkat Srinivasan: The Future of Batteries (LBNL Summer Lecture Series)

Energy Technology Data Exchange (ETDEWEB)

Russell, Sabin; Srinivasan, Venkat

2011-06-29

Lawrence Berkeley National Laboratory battery scientist Venkat Srinivasan appears June 29, 2011 on "Sit Down with Sabin," a weekly conversation in which former reporter Sabin Russell chats with Berkeley Lab staff about innovative science. Over the course of several conversations held at noon in the Building 50 auditorium, Russell and Lab staff will explore the ups and downs of pioneering science — all without the aid of PowerPoints. Brought to you by Berkeley Lab Public Affairs.

Bayesian inversion from sabine absorption coefficients to flow resistivity values for porous absorbers

DEFF Research Database (Denmark)

Jeong, Cheol-Ho

2015-01-01

to determine the flow resistivity of a porous material from the Sabine absorption coefficient was investigated through a reliable model. The model for the flow resistivity estimation is based on an equivalent fluid model, i.e., Miki’s model, together with the most advanced model that accounts for edge...... diffraction, named Thomasson’s finite size correction. As input data, a set of the Sabine absorption coefficients in a recent absorption round robin test in 13 European chambers was used. Finally, the flow resistivity of the test specimen is characterized via the Bayesian framework, together...

A Cluster of Paralytic Poliomyelitis Cases Due to Transmission of Slightly Diverged Sabin 2 Vaccine Poliovirus.

Science.gov (United States)

Korotkova, Ekaterina A; Gmyl, Anatoly P; Yakovenko, Maria L; Ivanova, Olga E; Eremeeva, Tatyana P; Kozlovskaya, Liubov I; Shakaryan, Armen K; Lipskaya, Galina Y; Parshina, Irina L; Loginovskikh, Nataliya V; Morozova, Nadezhda S; Agol, Vadim I

2016-07-01

Four cases of acute flaccid paralysis caused by slightly evolved (Sabin-like) vaccine polioviruses of serotype 2 were registered in July to August 2010 in an orphanage of Biysk (Altai Region, Russia). The Biysk cluster of vaccine-associated paralytic poliomyelitis (VAPP) had several uncommon, if not unique, features. (i) Until this outbreak, Sabin-like viruses (in distinction to more markedly evolved vaccine-derived polioviruses [VDPVs]) were reported to cause only sporadic cases of VAPP. Consequently, VAPP cases were not considered to require outbreak-type responses. However, the Biysk outbreak completely blurred the borderline between Sabin-like viruses and VDPVs in epidemiological terms. (ii) The outbreak demonstrated a very high disease/infection ratio, apparently exceeding even that reported for wild polioviruses. The viral genome structures did not provide any substantial hints as to the underlying reason(s) for such pathogenicity. (iii) The replacement of intestinal poliovirus lineages by other Sabin-like lineages during short intervals after the disease onsets was observed in two patients. Again, the sequences of the respective genomes provided no clues to explain these events. (iv) The polioviruses isolated from the patients and their contacts demonstrated a striking heterogeneity as well as rapid and uneven evolution of the whole genomes and their parts, apparently due to extensive interpersonal contacts in a relatively small closed community, multiple bottlenecking, and recombination. Altogether, the results demonstrate several new aspects of pathogenicity, epidemiology, and evolution of vaccine-related polioviruses and underscore several serious gaps in understanding these problems. The oral poliovirus vaccine largely contributed to the nearly complete disappearance of poliovirus-caused poliomyelitis. Being generally safe, it can, in some cases, result in a paralytic disease. Two types of such outcomes are distinguished: those caused by slightly

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

Science.gov (United States)

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

2015-01-01

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

Development of inactivated poliovirus vaccine from Sabin strains: A progress report.

Science.gov (United States)

Okayasu, Hiromasa; Sein, Carolyn; Hamidi, Ahd; Bakker, Wilfried A M; Sutter, Roland W

2016-11-01

The Global Polio Eradication Initiative (GPEI) has seen significant progress since it began in 1988, largely due to the worldwide use of oral poliovirus vaccine (OPV). In order to achieve polio eradication the global cessation of OPV is necessary because OPV contains live attenuated poliovirus, which in rare circumstances could re-gain wild poliovirus (WPV) characteristics with potential to establish transmission. The GPEI endgame strategy for the period 2013-2018 recommends the globally synchronised sequential cessation of the Sabin strains contained in the OPV, starting with type 2 Sabin. The withdrawal of Sabin type 2 took place in April 2016, with the introduction of at least one dose of inactivated poliovirus vaccine (IPV) as a risk mitigation strategy. The introduction of IPV into 126 countries since 2013 has required a rapid scale-up of IPV production by the two manufacturers supplying the global public sector market. This scale-up has been fraught with challenges, resulting in reductions of 40-50% of initial supply commitments. Consequently, 22 countries will not be supplied until 2018, and another 23 countries will experience serious stock-outs. In the last decade repeated calls-for-action were made to the global community to invigorate their vision and investment in developing "new poliovirus vaccines" including the development of IPV from less-virulent strains, such as Sabin-IPV (S-IPV). The conventional Salk-IPV production is limited to high-income industrialized-country manufacturers due to the containment requirements (i.e., high sanitation, low force-of-poliovirus-infection, and high population immunity). The use of Sabin strains in the production of S-IPV carries a lower biosafety risk, and was determined to be suitable for production in developing countries, expanding the manufacturing base and making IPV more affordable and accessible in the long term. Significant progress in the S-IPV has been made since 2006. S-IPV is now licensed as S-IPV in

The Bank Lending Channel: Evidence from Australia

Directory of Open Access Journals (Sweden)

Luke Liu

2014-06-01

Full Text Available This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of that cash rate change on lending of different types of loans. We find the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan. Smaller banks are more sensitive to policy rate changes, and household loans, government loans and intra-group loans are less responsive to monetary policy compared with financial and non-financial loans.

Immunity status of adults and children against poliomyelitis virus type 1 strains CHAT and Sabin (LSc-2ab) in Germany.

Science.gov (United States)

Eggers, Maren; Terletskaia-Ladwig, Elena; Rabenau, Holger F; Doerr, Hans W; Diedrich, Sabine; Enders, Gisela; Enders, Martin

2010-12-09

In October 2007, the working group CEN/TC 216 of the European Committee for standardisation suggested that the Sabin oral poliovirus vaccine type 1 strain (LSc-2ab) presently used for virucidal tests should be replaced by another attenuated vaccine poliovirus type 1 strain, CHAT. Both strains were historically used as oral vaccines, but the Sabin type 1 strain was acknowledged to be more attenuated. In Germany, vaccination against poliomyelitis was introduced in 1962 using the oral polio vaccine (OPV) containing Sabin strain LSc-2ab. The vaccination schedule was changed from OPV to an inactivated polio vaccine (IPV) containing wild polio virus type 1 strain Mahoney in 1998. In the present study, we assessed potential differences in neutralising antibody titres to Sabin and CHAT in persons with a history of either OPV, IPV, or OPV with IPV booster. Neutralisation poliovirus antibodies against CHAT and Sabin 1 were measured in sera of 41 adults vaccinated with OPV. Additionally, sera from 28 children less than 10 years of age and immunised with IPV only were analysed. The neutralisation assay against poliovirus was performed according to WHO guidelines. The neutralisation activity against CHAT in adults with OPV vaccination history was significantly lower than against Sabin poliovirus type 1 strains (Wilcoxon signed-rank test P Sabin 1 varied between 8 and 64. Following IPV booster, anti-CHAT antibodies increased rapidly in sera of CHAT-negative adults with OPV history. Sera from children with IPV history neutralised CHAT and Sabin 1 strains equally. The lack of neutralising antibodies against the CHAT strain in persons vaccinated with OPV might be associated with an increased risk of reinfection with the CHAT polio virus type 1, and this implies a putative risk of transmission of the virus to polio-free communities. We strongly suggest that laboratory workers who were immunised with OPV receive a booster vaccination with IPV before handling CHAT in the laboratory.

Application of DFT Filter Banks and Cosine Modulated Filter Banks in Filtering

Science.gov (United States)

Lin, Yuan-Pei; Vaidyanathan, P. P.

1994-01-01

None given. This is a proposal for a paper to be presented at APCCAS '94 in Taipei, Taiwan. (From outline): This work is organized as follows: Sec. II is devoted to the construction of the new 2m channel under-decimated DFT filter bank. Implementation and complexity of this DFT filter bank are discussed therein. IN a similar manner, the new 2m channel cosine modulated filter bank is discussed in Sec. III. Design examples are given in Sec. IV.

Türkiye’de Banka Kredileri Kanalının İşleyişi Üzerine Ampirik Bir Analiz = Empirical Analysis of the Bank Lending Channel in Turkey

Directory of Open Access Journals (Sweden)

Sinem Gözde BEŞBALLI

2010-01-01

Full Text Available The effect of a change in monetary policy on output operates through monetary transmission channels. The transmission channels of monetary policy may be gathered in five main titles: interest rates channel, asset prices channel, exchange rate channel, credit channel (bank lending channel, balance sheet channel and expectation channel. Findings obtained from the analysis of the transmission channels can be used in policy determination.This paper empirically analyzes the bank lending channel, one of the transmission mechanisms of monetary policy in Turkey. In this paper, data between 1996:06-2006:09 are examined using VAR methodology. According to the findings, the credit channel in Turkey operates partially.

CHANNEL EVOLUTION IN MODIFIED ALLUVIAL STREAMS.

Science.gov (United States)

Simon, Andrew; Hupp, Cliff R.

1987-01-01

This study (a) assesses the channel changes and network trends of bed level response after modifications between 1959 and 1972 of alluvial channels in western Tennessee and (b) develops a conceptual model of bank slope development to qualitatively assess bank stability and potential channel widening. A six-step, semiquantitative model of channel evolution in disturbed channels was developed by quantifying bed level trends and recognizing qualitative stages of bank slope development. Development of the bank profile is defined in terms of three dynamic and observable surfaces: (a) vertical face (70 to 90 degrees), (b) upper bank (25 to 50 degrees), and (c) slough line (20 to 25 degrees).

Decay of Sabin inactivated poliovirus vaccine (IPV-boosted poliovirus antibodies

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Sonia Resik

2015-01-01

Conclusion: The decay of poliovirus antibodies over a 21–22-month period was similar regardless of the type of booster vaccine used, suggesting the scientific data of Salk IPV long-term persistence and decay may be broadly applicable to Sabin IPV.

Efficient Implementation of Complex Modulated Filter Banks Using Cosine and Sine Modulated Filter Banks

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Viholainen Ari

2006-01-01

Full Text Available The recently introduced exponentially modulated filter bank (EMFB is a -channel uniform, orthogonal, critically sampled, and frequency-selective complex modulated filter bank that satisfies the perfect reconstruction (PR property if the prototype filter of an -channel PR cosine modulated filter bank (CMFB is used. The purpose of this paper is to present various implementation structures for the EMFBs in a unified framework. The key idea is to use cosine and sine modulated filter banks as building blocks and, therefore, polyphase, lattice, and extended lapped transform (ELT type of implementation solutions are studied. The ELT-based EMFBs are observed to be very competitive with the existing modified discrete Fourier transform filter banks (MDFT-FBs when comparing the number of multiplications/additions and the structural simplicity. In addition, EMFB provides an alternative channel stacking arrangement that could be more natural in certain subband processing applications and data transmission systems.

Two-pole microring weight banks.

Science.gov (United States)

Tait, Alexander N; Wu, Allie X; Ferreira de Lima, Thomas; Nahmias, Mitchell A; Shastri, Bhavin J; Prucnal, Paul R

2018-05-15

Weighted addition is an elemental multi-input to single-output operation that can be implemented with high-performance photonic devices. Microring (MRR) weight banks bring programmable weighted addition to silicon photonics. Prior work showed that their channel limits are affected by coherent inter-channel effects that occur uniquely in weight banks. We fabricate two-pole designs that exploit this inter-channel interference in a way that is robust to dynamic tuning and fabrication variation. Scaling analysis predicts a channel count improvement of 3.4-fold, which is substantially greater than predicted by incoherent analysis used in conventional MRR devices. Advances in weight bank design expand the potential of reconfigurable analog photonic networks and multivariate microwave photonics.

Hematopoietic Cancer Cell Lines Can Support Replication of Sabin Poliovirus Type 1

Science.gov (United States)

van Eikenhorst, Gerco; de Gruijl, Tanja D.; van der Pol, Leo A.; Bakker, Wilfried A. M.

2015-01-01

Viral vaccines can be produced in adherent or in suspension cells. The objective of this work was to screen human suspension cell lines for the capacity to support viral replication. As the first step, it was investigated whether poliovirus can replicate in such cell lines. Sabin poliovirus type 1 was serially passaged on five human cell lines, HL60, K562, KG1, THP-1, and U937. Sabin type 1 was capable of efficiently replicating in three cell lines (K562, KG1, and U937), yielding high viral titers after replication. Expression of CD155, the poliovirus receptor, did not explain susceptibility to replication, since all cell lines expressed CD155. Furthermore, we showed that passaged virus replicated more efficiently than parental virus in KG1 cells, yielding higher virus titers in the supernatant early after infection. Infection of cell lines at an MOI of 0.01 resulted in high viral titers in the supernatant at day 4. Infection of K562 with passaged Sabin type 1 in a bioreactor system yielded high viral titers in the supernatant. Altogether, these data suggest that K562, KG1, and U937 cell lines are useful for propagation of poliovirus. PMID:25815312

Technological innovations in sales of banking products

Directory of Open Access Journals (Sweden)

Semenyuta Оlga

2016-03-01

Full Text Available The article discusses the features of the remote client service related to the behavior of consumers of retail banking products in terms of the use of remote service channels. Analyze the level of awareness of the remote service channels and barriers considered use of remote service channels on the acquisition of retail banking products based on the segmentation of consumer groups. Based on the findings developed proposals to promote remote service channels using banking products in the retail segment of consumers.

[The effect of aluminum adjuvant and immunization schedule on immunogenicity of Sabin inactivated poliovirus vaccine].

Science.gov (United States)

Wang, Fang; Zhang, Ming; Xie, Bing-Feng; Cao, Han; Tong, Shao-Yong; Wang, Jun-Rong; Yu, Xiao-Ping; Tang, Yang; Yang, Jing-Ran; Sun, Ming-Bo

2013-04-01

To study the effect of aluminume adjuvant and immunization schedule on immunogenicity of Sabin inactivated poliovirus vaccine. Four batches of Sabin IPV were produced by different concentrations of type 1, 2, and 3 poliovirus and administrated on three-dose schedule at 0, 1, 2 months and 0, 2, 4 months on rats. Serum samples were collected one month after each dose and neutralizing antibody titers against three types poliovirus were determined by micro-neutralization assay. The GMTs of neutralizing antibodies against three types poliovirus increased significantly and the seropositivity rates were 100% in all groups after 3 doses. There was no significant difference between two immunization schedules, and the 0, 2, 4 month schedule could induce higher level neutralizing antibody compared to the 0, 1, 2 month schedule. The groups with aluminum adjuvant could induce higher level neutralizing antibody compared to the groups without adjuvant. Aluminum djuvant and immunization schedule could improve the immunogenicity of Sabin IPV.

Safety and immunogenicity of a primary series of Sabin-IPV with and without aluminum hydroxide in infants.

Science.gov (United States)

Verdijk, Pauline; Rots, Nynke Y; van Oijen, Monique G C T; Weldon, William C; Oberste, M Steven; Okayasu, Hiromasa; Sutter, Roland W; Bakker, Wilfried A M

2014-09-03

An inactivated poliovirus vaccine (IPV) based on attenuated poliovirus strains (Sabin-1, -2 and -3) was developed for technology transfer to manufacturers in low- and middle-income countries in the context of the global polio eradication initiative. Safety and immunogenicity of Sabin-IPV (sIPV) was evaluated in a double-blind, randomized, controlled, dose-escalation trial in the target population. Healthy infants (n=20/group) aged 56-63 days, received a primary series of three intramuscular injections with low-, middle- or high-dose sIPV with or without aluminum hydroxide or with the conventional IPV based on wild poliovirus strains (wIPV). Virus-neutralizing titers against both Sabin and wild poliovirus strains were determined before and 28 days after three vaccinations. The incidence of local and systemic reactions was comparable with the wIPV. Seroconversion rates after three vaccinations were 100% for type 2 and type 3 polioviruses (both Sabin and wild strains) and 95-100% for type 1 polioviruses. Median titers were high in all groups. Titers were well above the log2(titer) correlated with protection (=3) for all groups. Median titers for Sabin-2 were 9.3 (range 6.8-11.5) in the low-dose sIPV group, 9.2 (range 6.8-10.2) in the low-dose adjuvanted sIPV group and 9.8 (range 5.5-15.0) in the wIPV group, Median titers against MEF-1 (wild poliovirus type 2) were 8.2 (range 4.8-10.8) in the low-dose sIPV group, 7.3 (range 4.5-10.2) in the low-dose adjuvanted Sabin-IPV group and 10.3 (range 8.5-17.0) in the wIPV group. For all poliovirus types the median titers increased with increasing dose levels. sIPV and sIPV adjuvanted with aluminum hydroxide were immunogenic and safe at all dose levels, and comparable with the wIPV. EudraCTnr: 2011-003792-11, NCT01709071. Copyright © 2014. Published by Elsevier Ltd.

Safety and immunogenicity of inactivated poliovirus vaccine made from Sabin strains: a phase II, randomized, positive-controlled trial.

Science.gov (United States)

Liao, Guoyang; Li, Rongcheng; Li, Changgui; Sun, Mingbo; Li, Yanping; Chu, Jiayou; Jiang, Shude; Li, Qihan

2012-01-15

The production of Sabin inactivated poliovirus vaccine (IPV) can reduce biosafety requirements in the posteradication/post-oral poliovirus vaccine (OPV) era. We conducted a phase II, randomized, positive-controlled trial to assess the safety and immunogenicity of Sabin IPV. The test groups (A, B, and C) received 3 doses of high, middle, and low D antigen (D Ag) of Sabin IPV at ages 2, 3, and 4 months, respectively. Infants in 2 control groups, group D and group E, received 3 doses of trivalent OPV and conventional IPV (cIPV), respectively, on the same schedule as that of groups A, B, and C. Serum samples were collected before and 30 days after the administration of the third dose. In total, 500 infants were randomly assigned to 5 groups, and 449 infants completed the vaccine series. No serious adverse events were associated with vaccinations. After 3 doses, the seroconversion rates in groups A, B, C, D, and E were 100%, 97.8%, 96.6%, 100%, and 90.1%, respectively, for type 1 poliovirus; 97.7%, 95.7%, 78.7%, 100%, and 90.1%, respectively, for type 2; and 98.8%, 98.9%, 93.3%, 100%, and 97.8%, respectively, for type 3. Sabin IPV has good safety characteristics. The seroconversion rates for type 1 poliovirus (most appropriate concentration, 15 D Ag units [DU]), type 2 (32 DU), and type 3 (45 DU) Sabin IPV were similar to those of the OPV and cIPV control groups. NCT01056705.

Mobile Banking: a Customer Relationship Management (Crm) Channel

OpenAIRE

Budiardjo, Eko K; Aprillovi, Dewi

2009-01-01

Meningkatnya pengguna handphone mendorong bank meluncurkan produk-produk layanan perbankan melalui handphone yang dikenal dengan sebutan Mobile Banking (M-Banking). Dalam konteks Customer Relationship Management (CRM), kehadiran M-Banking juga memberikan kontribusi dalam meningkatkan dan mempertahankan kesetiaan pelanggan. Strategi sukses membangun CRM sangat dipengaruhi oleh kepandaian tim pemasaran dalam memahami perilaku dan kebutuhan pelanggan, yang dapat diterjemahkan kedalam kelompok tr...

Studies on Lyophilization of Sabin Vaccine. 2. Investigation on Long Time Incubation at High and Low Temperatures of Lyophilized Sabin Vaccine

OpenAIRE

塩見, 洋; 浦沢, 价子; 浦沢, 正三

1998-01-01

Lyophilization of vaccine is one of the possible options for the development of a heat-stable poliovaccine. In our previous study in which conditions affecting the lyophilization of Sabin poliovaccine were investigated, it was found that infectivity titration of lyophilized viruses was under at least three kind of variabilities i. e., i) the variability among different lyophilization experi-ments, ii) the variability within the same lyophilization experiment and iii) the variability inherent ...

Bayesian inference of the flow resistivity of a sound absorber and the room's influence on the Sabine absorption coefficients

DEFF Research Database (Denmark)

Jeong, Cheol-Ho; Choi, Sang-Hyeon; Lee, Ikjin

2017-01-01

A Bayesian analysis is applied to determine the flow resistivity of a porous sample and the influence of the test chamber based on measured Sabine absorption coefficient data. The Sabine absorption coefficient measured in a reverberation chamber according to ISO 354 is influenced by the test...... chamber significantly, whereas the flow resistivity is a rather reproducible material property, from which the absorptive characteristics can be calculated through reliable models. Using Sabine absorption coefficients measured in 13 European reverberation chambers, the maximum a posteriori...... and the uncertainty of the flow resistivity and the test chamber’s influence are estimated. Inclusion of more than one chamber’s absorption data helps the flow resistivity converge towards a reliable value with a standard deviation below 17%...

Immunity status of adults and children against poliomyelitis virus type 1 strains CHAT and Sabin (LSc-2ab in Germany

Directory of Open Access Journals (Sweden)

Diedrich Sabine

2010-12-01

Full Text Available Abstract Background In October 2007, the working group CEN/TC 216 of the European Committee for standardisation suggested that the Sabin oral poliovirus vaccine type 1 strain (LSc-2ab presently used for virucidal tests should be replaced by another attenuated vaccine poliovirus type 1 strain, CHAT. Both strains were historically used as oral vaccines, but the Sabin type 1 strain was acknowledged to be more attenuated. In Germany, vaccination against poliomyelitis was introduced in 1962 using the oral polio vaccine (OPV containing Sabin strain LSc-2ab. The vaccination schedule was changed from OPV to an inactivated polio vaccine (IPV containing wild polio virus type 1 strain Mahoney in 1998. In the present study, we assessed potential differences in neutralising antibody titres to Sabin and CHAT in persons with a history of either OPV, IPV, or OPV with IPV booster. Methods Neutralisation poliovirus antibodies against CHAT and Sabin 1 were measured in sera of 41 adults vaccinated with OPV. Additionally, sera from 28 children less than 10 years of age and immunised with IPV only were analysed. The neutralisation assay against poliovirus was performed according to WHO guidelines. Results The neutralisation activity against CHAT in adults with OPV vaccination history was significantly lower than against Sabin poliovirus type 1 strains (Wilcoxon signed-rank test P Conclusion The lack of neutralising antibodies against the CHAT strain in persons vaccinated with OPV might be associated with an increased risk of reinfection with the CHAT polio virus type 1, and this implies a putative risk of transmission of the virus to polio-free communities. We strongly suggest that laboratory workers who were immunised with OPV receive a booster vaccination with IPV before handling CHAT in the laboratory.

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

Directory of Open Access Journals (Sweden)

ELENA SILVIA DINCULESCU

2010-01-01

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

Sit Down with Sabin: Margaret Torn: The Carbon Cycle Like You've Never Seen It (LBNL Summer Lecture Series)

Energy Technology Data Exchange (ETDEWEB)

Russell, Sabin; Torn, Margaret

2011-07-06

Lawrence Berkeley National Laboratory soil scientist Margaret Torn appears July 6, 2011 on "Sit Down with Sabin," a weekly conversation in which former reporter Sabin Russell chats with Berkeley Lab staff about innovative science. Torn discusses how she travels the world to learn more about soil's huge role in the global carbon cycle. Brought to you by Berkeley Lab Public Affairs.

ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

Directory of Open Access Journals (Sweden)

Paun Dragos

2010-12-01

Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

Dynamic profiles of neutralizing antibody responses elicited in rhesus monkeys immunized with a combined tetravalent DTaP-Sabin IPV candidate vaccine.

Science.gov (United States)

Sun, Mingbo; Ma, Yan; Xu, Yinhua; Yang, Huijuan; Shi, Li; Che, Yanchun; Liao, Guoyang; Jiang, Shude; Zhang, Shumin; Li, Qihan

2014-02-19

The World Health Organization has recommended that a Sabin inactivated polio vaccine (IPV) should gradually and synchronously replace oral polio vaccines for routine immunizations because its benefits in eliminating vaccine-associated paralytic poliomyelitis have been reported in different phases of clinical trials. It is also considered important to explore new tetravalent diphtheria, tetanus, and acellular pertussis-Sabin IPV (DTaP-sIPV) candidate vaccines for possible use in developing countries. In this study, the immunogenicity of a combined tetravalent DTaP-sIPV candidate vaccine was investigated in primates by evaluating the neutralizing antibody responses it induced. The dynamic profiles of the antibody responses to each of the separate antigenic components and serotypes of Sabin IPV were determined and their corresponding geometric mean titers were similar to those generated by the tetravalent diphtheria, tetanus, and acellular pertussis-conventional IPV (DTaP-cIPV), the tetravalent diphtheria, tetanus, and acellular pertussis (DTaP), and Sabin IPV vaccines in the control groups. This implies that protective immunogenic effects are conferred by this combined tetravalent formulation. Copyright © 2013 Elsevier Ltd. All rights reserved.

Branch of bank, change of its status and its value in contemporary Czech banking system.

OpenAIRE

Čížek, Martin

2009-01-01

This study concerns view of contemporary branch of bank. It shortly deals with history of bank branch in Czech environment after 1989. Further the study analyses its importance, advantages and disadvantages comparing direct banking - online banking in particular. The key point of the study is to answer the question if there is a future of branch of bank. Whether it will cooperate successfully with internet online channels of communication or it will be superseded by online banking at all.

Bank regulatory Capital Buffer and Liquidity: Evidence from US and European Publicly Traded Banks

OpenAIRE

Distinguin , Isabelle; Roulet , Caroline; Tarazi , Amine

2012-01-01

The theory of financial intermediation highlights various channels through which capital and liquidity are interrelated. Using a simultaneous equations framework, we investigate the relationship between bank regulatory capital buffer and liquidity for European and U.S. publicly traded commercial banks. Previous research studying the determinants of bank capital buffer has neglected the role of liquidity. On the whole, we find that banks do not strengthen their regulatory capital buffer when t...

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

Directory of Open Access Journals (Sweden)

Marinkovic Slavica

2006-01-01

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

Identification of a consistent pattern of mutations in neurovirulent variants derived from the sabin vaccine strain of poliovirus type 2.

OpenAIRE

Equestre, M; Genovese, D; Cavalieri, F; Fiore, L; Santoro, R; Perez Bercoff, R

1991-01-01

Complete nucleotide sequencing of the RNAs of two unrelated neurovirulent isolates of Sabin-related poliovirus type 2 revealed that two nucleotides and one amino acid (amino acid 143 in the major capsid protein VP1) consistently departed from the sequences of the nonneurovirulent poliovirus type 2 712 and Sabin vaccine strains. This pattern of mutation appeared to be a feature common to all neurovirulent variants of poliovirus type 2.

Sabin and wild polioviruses from apparently healthy primary school children in northeastern Nigeria.

Science.gov (United States)

Baba, M M; Oderinde, B S; Patrick, P Z; Jarmai, M M

2012-02-01

Despite significant success of the Global Polio Eradication Initiative (GPEI) in Nigeria, Afghanistan, India, Pakistan, wild poliovirus still occurs due to persistently high proportions of under and unimmunized children. The study aimed at determining the type of poliovirus often excreted into the environment. Four hundred nine fecal samples collected from apparently healthy school children aged 5-16 years in Borno and Adamawa States, northeastern Nigeria, were tested for poliovirus by tissue culture technique. The isolates were characterized further by intratypic differentiation testing and genetic sequencing. Three wild poliovirus type, 11 Sabin type, combination of Sabin-types 1 + 2 and 2 + 3 poliovirus, and 22 non-polio enteroviruses were obtained. The continued excretion of wild-type poliovirus among children above 5 years old vaccinated with oral polio vaccine contributes to the persistent circulation of these viruses in the environment and may limit the population immunity. However, the excreted Sabin poliovirus is capable of immunizing the unvaccinated children and promotes herd immunity. Similarly, the excretion of combination of two polio serotypes indicates the child susceptibility to the missing serotype (s) and therefore indicates an immunity gap. The common unhygienic practices in the environment could aid the spread of these viruses through oral-fecal route. Asymptomatic transmission of wild poliovirus among older oral polio vaccine-vaccinated children poses a serious threat to polio eradication program in Nigeria and therefore, environmental and serological surveillance with larger sample size are important for monitoring poliovirus circulation in Nigeria. Copyright © 2011 Wiley Periodicals, Inc.

Stream Channel Stability.

Science.gov (United States)

1981-04-01

Cycles of wetting and drying are also t ,v itiue swelling and shrinkage of the soil. S 11ied blocks or peds of soil fabric ,,ks. id downslope soil creep ...hydrographs of water and sediment at the point in question. By feeding the output from the hydrology-transport model into the finite element model...the banks as undercut banks fail. Channel irregularities such as seepage zones, cattle crossings, overbank drainage, buried channels, organic deposits

CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

OpenAIRE

BUCUR Luiza Emanuela

2015-01-01

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

Vertical structure of extreme currents in the Faroe-Bank Channel

Directory of Open Access Journals (Sweden)

C. Carollo

2005-09-01

Full Text Available Extreme currents are studied with the aim of understanding their vertical and spatial structures in the Faroe-Bank Channel. Acoustic Doppler Current Profiler time series recorded in 3 deployments in this channel were investigated. To understand the main features of extreme events, the measurements were separated into their components through filtering and tidal analysis before applying the extreme value theory to the surge component. The Generalized Extreme Value (GEV distribution and the Generalized Pareto Distribution (GPD were used to study the variation of surge extremes from near-surface to deep waters. It was found that this component alone is not able to explain the extremes measured in total currents, particularly below 500 m. Here the mean residual flow enhanced by tidal rectification was found to be the component feature dominating extremes. Therefore, it must be taken into consideration when applying the extreme value theory, not to underestimate the return level for total currents. Return value speeds up to 250 cm s–1 for 50/250 years return period were found for deep waters, where the flow is constrained by the topography at bearings near 300/330° It is also found that the UK Meteorological Office FOAM model is unable to reproduce either the magnitude or the form for the extremes, perhaps due to its coarse vertical and horizontal resolution, and is thus not suitable to model extremes on a regional scale. Keywords. Oceanography: Physical (Currents; General circulation; General or miscellaneous

[History of development of the live poliomyelitis vaccine from Sabin attenuated strains in 1959 and idea of poliomyelitis eradication].

Science.gov (United States)

Lashkevich, V A

2013-01-01

In 1958 Poliomyelitis Institute in Moscow and Institute of Experimental Medicine in St. Petersburg received from A. Sabin the attenuated strains of poliomyelitis virus. The characteristics of the strains were thoroughly studied by A. A. Smorodintsev and coworkers. They found that the virulence of the strains fluctuated slightly in 10 consecutive passages through the intestine of the non-immune children. A part of the Sabin material was used by A. A. Smorodintsev and M. P. Chumakov in the beginning of 1959 for immunizing approximately 40000 children in Estonia, Lithuania, and Latvia. Epidemic poliomyelitis rate in these republics decreased from approximately 1000 cases yearly before vaccination to less than 20 in the third quarter of 1959. This was a convincing proof of the efficacy and safety of the vaccine from the attenuated Sabin strains. In 1959, according to A. Sabin's recommendation, a technology of live vaccine production was developed at the Poliomyelitis Institute, and several experimental lots of vaccine were prepared. In the second part of 1959, 13.5 million children in USSR were immunized. The epidemic poliomyelitis rate decreased 3-5 times in different regions without paralytic cases, which could be attributed to the vaccination. These results were the final proof of high efficiency and safety of live poliomyelitis vaccine from the attenuated Sabin strains. Based on these results, A. Sabin and M. P. Chumakov suggested in 1960 the idea of poliomyelitis eradication using mass immunization of children with live vaccine. 72 million persons up to 20 years old were vaccinated in USSR in 1960 with a 5 times drop in the paralytic rate. 50-year-long use of live vaccine results in poliomyelitis eradication in almost all countries worldwide. More than 10 million children were rescued from the death and palsy. Poliomyelitis eradication in a few countries where it still exists depends not on medical services but is defined by the attitude of their leaders to fight

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

Directory of Open Access Journals (Sweden)

EDWARD KERVIN B. MOJARES

2014-04-01

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

TFpredict and SABINE: sequence-based prediction of structural and functional characteristics of transcription factors.

Directory of Open Access Journals (Sweden)

Johannes Eichner

Full Text Available One of the key mechanisms of transcriptional control are the specific connections between transcription factors (TF and cis-regulatory elements in gene promoters. The elucidation of these specific protein-DNA interactions is crucial to gain insights into the complex regulatory mechanisms and networks underlying the adaptation of organisms to dynamically changing environmental conditions. As experimental techniques for determining TF binding sites are expensive and mostly performed for selected TFs only, accurate computational approaches are needed to analyze transcriptional regulation in eukaryotes on a genome-wide level. We implemented a four-step classification workflow which for a given protein sequence (1 discriminates TFs from other proteins, (2 determines the structural superclass of TFs, (3 identifies the DNA-binding domains of TFs and (4 predicts their cis-acting DNA motif. While existing tools were extended and adapted for performing the latter two prediction steps, the first two steps are based on a novel numeric sequence representation which allows for combining existing knowledge from a BLAST scan with robust machine learning-based classification. By evaluation on a set of experimentally confirmed TFs and non-TFs, we demonstrate that our new protein sequence representation facilitates more reliable identification and structural classification of TFs than previously proposed sequence-derived features. The algorithms underlying our proposed methodology are implemented in the two complementary tools TFpredict and SABINE. The online and stand-alone versions of TFpredict and SABINE are freely available to academics at http://www.cogsys.cs.uni-tuebingen.de/software/TFpredict/ and http://www.cogsys.cs.uni-tuebingen.de/software/SABINE/.

Nucleotide variation in Sabin type 3 poliovirus from an Albanian infant with agammaglobulinemia and vaccine associated poliomyelitis.

Science.gov (United States)

Foiadelli, Thomas; Savasta, Salvatore; Battistone, Andrea; Kota, Majlinda; Passera, Carolina; Fiore, Stefano; Bino, Silvia; Amato, Concetta; Lozza, Alessandro; Marseglia, Gian Luigi; Fiore, Lucia

2016-06-10

Vaccine-associated paralytic poliomyelitis (VAPP) and immunodeficient long-term polio excretors constitute a significant public health burden and are a major concern for the WHO global polio eradication endgame. Poliovirus type 3 characterized as Sabin-like was isolated from a 5-month-old Albanian child with X-linked agammaglobulinemia and VAPP after oral polio vaccine administration. Diagnostic workup and treatment were performed in Italy. Poliovirus replicated in the gut for 7 months. The 5' non coding region (NCR), VP1, VP3 capsid proteins and the 3D polymerase genomic regions of sequential isolates were sequenced. Increasing accumulation of nucleotide mutations in the VP1 region was detected over time, reaching 1.0 % of genome variation with respect to the Sabin reference strain, which is the threshold that defines a vaccine-derived poliovirus (VDPV). We identified mutations in the 5'NCR and VP3 regions that are associated with reversion to neurovirulence. Despite this, all isolates were characterized as Sabin-like. Several amino acid mutations were identified in the VP1 region, probably involved in growth adaptation and viral persistence in the human gut. Intertypic recombination with Sabin type 2 polio in the 3D polymerase region, possibly associated with increased virus transmissibility, was found in all isolates. Gamma-globulin replacement therapy led to viral clearance and neurological improvement, preventing the occurrence of persistent immunodeficiency-related VDPV. This is the first case of VAPP in an immunodeficient child detected in Albania through the Acute Flaccid Paralysis surveillance system and the first investigated case of vaccine associated poliomyelitis in Italy since the introduction of an all-Salk schedule in 2002. We discuss over the biological and clinical implications in the context of the Global Polio Eradication Program and emphasize on the importance of the Acute Flaccid Paralysis surveillance.

Financial innovation and bank behavior : Evidence from credit markets

NARCIS (Netherlands)

Norden, L.; Silva Buston, C.F.; Wagner, W.B.

This paper investigates whether, and through which channel, the active use of credit derivatives changes bank behavior in the credit market, and how this channel was affected by the crisis of 2007–2009. Our principal finding is that banks with larger gross positions in credit derivatives charge

Regional simulations of the Faroe Bank Channel overflow using a σ-coordinate ocean model

Science.gov (United States)

Seim, Knut S.; Fer, Ilker; Berntsen, Jarle

Gravity-driven overflow of cold, deep and intermediate water from the Norwegian Sea through the Faroe Bank Channel carries significant volume flux and contributes to the ventilation of the deep North Atlantic Ocean. Here we present results from regional simulations of the Faroe Bank Channel overflow using a terrain-following ( σ-coordinate) ocean model with fine resolution near the sea bed. The model results are compared with observations of hydrography, currents and turbulence conducted in 2008. Turbulent dissipation rate and eddy diffusivity profiles inferred from the observations are used in refining the parameters of the turbulence closure. The model reproduces the observed vertical structure of the enhanced dissipation and diffusivity in the bottommost 50-60 m exceptionally well. In this region, shear-induced mixing dominates and is found to be well-represented by the applied second order turbulence closure models. Farther away from the boundary, however, in the 100-m thick interfacial layer and above the plume-ambient interface, the model does not resolve the observed mixing. The contribution of turbulence from breaking internal waves is one of the processes not represented in the model with significant consequences for observed entrainment and mixing. Regular sub-inertial oscillations (eddies) at 4-4.5 day period develop downstream of the sill, consistent with the observations. When averaged over several eddy events, the evolution of section-averaged plume properties over the oscillation period shows that the eddies significantly affect mixing and the descent rate of the plume. At a section 60 km downstream of the sill, eddies lead to periodic and abrupt cross-isobath descent of the overflow plume and an increase in dissipation rate by one order of magnitude.

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.

Vertical structure of extreme currents in the Faroe-Bank Channel

Directory of Open Access Journals (Sweden)

C. Carollo

2005-09-01

Full Text Available Extreme currents are studied with the aim of understanding their vertical and spatial structures in the Faroe-Bank Channel. Acoustic Doppler Current Profiler time series recorded in 3 deployments in this channel were investigated. To understand the main features of extreme events, the measurements were separated into their components through filtering and tidal analysis before applying the extreme value theory to the surge component. The Generalized Extreme Value (GEV distribution and the Generalized Pareto Distribution (GPD were used to study the variation of surge extremes from near-surface to deep waters. It was found that this component alone is not able to explain the extremes measured in total currents, particularly below 500 m. Here the mean residual flow enhanced by tidal rectification was found to be the component feature dominating extremes. Therefore, it must be taken into consideration when applying the extreme value theory, not to underestimate the return level for total currents. Return value speeds up to 250 cm s^–1 for 50/250 years return period were found for deep waters, where the flow is constrained by the topography at bearings near 300/330° It is also found that the UK Meteorological Office FOAM model is unable to reproduce either the magnitude or the form for the extremes, perhaps due to its coarse vertical and horizontal resolution, and is thus not suitable to model extremes on a regional scale.

Keywords. Oceanography: Physical (Currents; General circulation; General or miscellaneous

Multi-channel service retailing: The effects of channel performance satisfaction on behavioral intentions.

NARCIS (Netherlands)

Birgelen, van M.; Jong, de A.; Ruyter, de J.C.

2006-01-01

Abstract The number of channels that retailers can use interchangeably to provide customer service has increased. We report on a study of clients of a large retail bank that investigates the channel performance satisfaction–behavioral intentions relationship when the traditional service channel

Cambios en la Actividad Antioxidante Durante el Desarrollo de Frutos de Psidium cattleianum Sabine (Myrtaceae / Changes in the Antioxidant Activity During the Development in Fruits of Psidium cattleianum Sabine (Myrtaceae

Directory of Open Access Journals (Sweden)

Villacorta Lozano Verónica

2013-08-01

Full Text Available Resumen. Psidium cattleianum Sabine, conocida como casdulce, guayaba japonesa, guayaba peruana y guayaba fresa, es un árbol originario de América del Sur. Estudios preliminares en esta especie han sugerido una elevada actividad antioxidante, un alto contenido fenólico y un gran potencial nutricional y funcional. En esta investigación se analizó la evolución de varios componentes del sistema de defensa antioxidante no enzimático, durante el crecimiento y maduración de los frutos de Psidium cattleianum Sabine. El periodo de crecimiento de los frutos presentó la actividad antioxidante más elevada, medida a través de las técnicas TEAC-DPPH y TEAC-ABTS (Trolox equivalent antioxidant capacity, FRAP (Ferric reducing/antioxidant powery ORAC (Oxigen Radical Absorbance Capacity, así como elcontenido máximo de fenoles totales, entre los que destacaron los ácidos clorogénico, cafeico y p-coumárico, y de sustancias no polifenólicas como el ácido ascórbico. Durante el periodo de maduración, se observó una disminución de la actividad antioxidante, posiblemente promovida por la pérdida gradual de algunos compuestos polifenólicos, así como también, debido a la aparición de otros compuestos como las antocianinas. Los resultados mostraron que estos frutos contienen un alto contenido de sustancias con actividad antioxidante, lo cual soporta el desarrollo de esta especie como nueva alternativa productiva / Abstract. Psidium cattleianum Sabine, known as cas sweet, japanese guava, peruvian guava and strawberry guava, is a tree native to South America. Preliminary studies in this specieshave suggested a high antioxidant activity, a high phenoliccontent and great nutritional and functional potential. In thisstudy, the evolution of some components of the non-enzimatic antioxidant defense system was analized during growth and ripening of fruit of Psidium cattleianum Sabine. The growing period of the fruits presented the highest antioxidant

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

African Journals Online (AJOL)

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

Group Lifting Structures For Multirate Filter Banks, II: Linear Phase Filter Banks

Energy Technology Data Exchange (ETDEWEB)

Brislawn, Christopher M [Los Alamos National Laboratory

2008-01-01

The theory of group lifting structures is applied to linear phase lifting factorizations for the two nontrivial classes of two-channel linear phase perfect reconstruction filter banks, the whole-and half-sample symmetric classes. Group lifting structures defined for the reversible and irreversible classes of whole-and half-sample symmetric filter banks are shown to satisfy the hypotheses of the uniqueness theorem for group lifting structures. It follows that linear phase lifting factorizations of whole-and half-sample symmetric filter banks are therefore independent of the factorization methods used to compute them. These results cover the specification of user-defined whole-sample symmetric filter banks in Part 2 of the ISO JPEG 2000 standard.

Reproducibility of The Random Incidence Absorption Coefficient Converted From the Sabine Absorption Coefficient

DEFF Research Database (Denmark)

Jeong, Cheol-Ho; Chang, Ji-ho

2015-01-01

largely depending on the test room. Several conversion methods for porous absorbers from the Sabine absorption coefficient to the random incidence absorption coefficient were suggested by considering the finite size of a test specimen and non-uniformly incident energy onto the specimen, which turned out...... resistivity optimization outperforms the surface impedance optimization in terms of the reproducibility....

USERS EVALUATIONS ABOUT E-SERVICE QUALITY OF INTERNET BANKING: KUVEYT TURK SAMPLE

Directory of Open Access Journals (Sweden)

Ali Ulvi İşler

2015-10-01

Full Text Available After rising the proportion of services sector in the economies of the countries, the need for quality measurement studies in services increased. Because internet banking, that began in 90’s, has a lot of advantages for banks and customers, it developed rapidly and a lot of banking services could be done in this new distribution channel. So, it is a requirement to measure of service qualities for internet banking distribution channel. In this study, it was tried to understand users thoughts about service quality in internet banking area. Practice study was done in internet banking users of Kuveyt Turk Participation Bank. Study results show that how the electronic banking services are perceived by users and what users expect from internet banking services.

Monetary policy, bank size and bank lending: Evidence from Australia

OpenAIRE

Liu, Luke

2011-01-01

The transmission of monetary policy may hold the key to explaining the effects of policy on the economy. The objective of the study is to assess the importance of the bank lending channel in the transmission of monetary policy in Australia. In this paper, we found that the effectiveness of monetary policy varies with the size of the bank as well as the type of the loan. For different asset size and different kinds of loans, the effect of monetary policy is different. Thus, policy has distribu...

Customer Responses to Channel Migration Strategies Toward the E-channel

NARCIS (Netherlands)

Trampe, Debra; Konus, Umut; Verhoef, Peter C.

2014-01-01

Many firms stimulate customers to use the E-channel for services, which provokes various consumer responses to such limits on their freedom of choice. In a study on bank customers, we examine the extent of customer reactance in response to various E-channel migration strategies, the potential of

Verification of using SABINE-3.1 code for calculations of radioactive inventory in reactor shield

International Nuclear Information System (INIS)

Moukhamadeev, R.; Suvorov, A.

2000-01-01

This report presents the results of calculations of radioactive inventory and doses of activation radiation for the International Benchmark Calculations of Radioactive Inventory for Fission Reactor Decommissioning, IAEA, and measurements of activation doses in shield of WWER-440 (Armenian NPP), using one-dimension modified code SABINE-3.1. For decommissioning of NPP it is very important to evaluate in correct manner radioactive inventory in reactor construction and shield materials. One-dimension code SABINE-3.1 (removing-diffusion method for neutron calculation) was modified to perform calculation of radioactive inventory in reactor shield materials and dose from activation photons behind them. These calculations are carried out on the base of nuclear constant system ABBN-78 and new library of activation data for a number of long-lived isotopes, prepared by authors on the base of [9], which present at shield materials as microimpurities and manage radiation situation under the decay more than 1 year. (Authors)

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.

Technological Innovations and Banking in Ghana: An Evaluation of ...

African Journals Online (AJOL)

In Sub-Saharan Africa, developments in information and communication technology are radically changing the way business is done. These developments in technology have resulted in new delivery channels for banking products and services such as Automated Teller Machines (ATMs), Telephone Banking, PC-Banking, ...

Antioxidant Properties of Crude Extract, Partition Extract, and Fermented Medium of Dendrobium sabin Flower

Directory of Open Access Journals (Sweden)

Farahziela Abu

2017-01-01

Full Text Available Antioxidant properties of crude extract, partition extract, and fermented medium from Dendrobium sabin (DS flower were investigated. The oven-dried DS flower was extracted using 100% methanol (w/v, 100% ethanol (w/v, and 100% water (w/v. The 100% methanolic crude extract showed the highest total phenolic content (40.33 ± mg GAE/g extract and the best antioxidant properties as shown by DPPH, ABTS, and FRAP assays. A correlation relationship between antioxidant activity and total phenolic content showed that phenolic compounds were the dominant antioxidant components in this flower extract. The microbial fermentation on DS flower medium showed a potential in increasing the phenolic content and DPPH scavenging activity. The TPC of final fermented medium showed approximately 18% increment, while the DPPH of fermented medium increased significantly to approximately 80% at the end of the fermentation. Dendrobium sabin (DS flower showed very good potential properties of antioxidant in crude extract and partition extract as well as better antioxidant activity in the flower fermented medium.

Excellency in banking services - A new road map for banks in the emerging new competition

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

A national reference for inactivated polio vaccine derived from Sabin strains in Japan.

Science.gov (United States)

Shirato, Haruko; Someya, Yuichi; Ochiai, Masaki; Horiuchi, Yoshinobu; Takahashi, Motohide; Takeda, Naokazu; Wakabayashi, Kengo; Ouchi, Yasumitsu; Ota, Yoshihiro; Tano, Yoshio; Abe, Shinobu; Yamazaki, Shudo; Wakita, Takaji

2014-09-08

As one aspect of its campaign to eradicate poliomyelitis, the World Health Organization (WHO) has encouraged development of the inactivated polio vaccine (IPV) derived from the Sabin strains (sIPV) as an option for an affordable polio vaccine, especially in low-income countries. The Japan Poliomyelitis Research Institute (JPRI) inactivated three serotypes of the Sabin strains and made sIPV preparations, including serotypes 1, 2 and 3 D-antigens in the ratio of 3:100:100. The National Institute of Infectious Diseases, Japan, assessed the immunogenic stability of these sIPV preparations in a rat potency test, according to an evaluation method recommended by the WHO. The immunogenicity of the three serotypes was maintained for at least 4 years when properly stored under -70°C. Based on these data, the sIPV preparations made by JPRI have been approved as national reference vaccines by the Japanese national control authority and used for the quality control of the tetracomponent sIPV-containing diphtheria-tetanus-acellular pertussis combination vaccines that were licensed for a routine polio immunization in Japan. Copyright © 2014 Elsevier Ltd. All rights reserved.

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

Science.gov (United States)

Martinson, Estelle; Martinson, Johannes

2016-01-01

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

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

Science.gov (United States)

Beadnell, Stephen Allen

2014-01-01

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

A Behavioural Model of E-Banking Usage in Italy

Directory of Open Access Journals (Sweden)

Guendalina Capece

2013-06-01

Full Text Available E‐banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. “Pure online” banks are characterized by the absence of physical windows and front‐office personnel. Traditional banks are still integrating traditional distribution channels with online ones; the scenario is therefore still evolving over time. Despite the intrinsic potentialities, Italy is far from being a leader in the usage of innovative online instruments in the banking system and will struggle with new innovation waves. In this paper, we measure the potential effective ebanking usage. Furthermore, we investigate the behaviour of users and adopters, identifying the major causes influencing satisfaction and usage and the impact of these different causes on the intensity of utilization. The analysis is based on a panel of 495 real users, thus allowing the profiling of the Italian adopter to discover the causes of usage and outline strategies for the growth of e‐banking services in Italy.

Evolution of the Sabin vaccine into pathogenic derivatives without appreciable changes in antigenic properties: need for improvement of current poliovirus surveillance.

Science.gov (United States)

Yakovenko, Maria L; Korotkova, Ekaterina A; Ivanova, Olga E; Eremeeva, Tatyana P; Samoilovich, Elena; Uhova, Iryna; Gavrilin, Gene V; Agol, Vadim I

2009-04-01

The Sabin oral polio vaccine (OPV) may evolve into pathogenic viruses, causing sporadic cases and outbreaks of poliomyelitis. Such vaccine-derived polioviruses (VDPV) generally exhibit altered antigenicity. The current paradigm to distinguish VDPV from OPV and wild polioviruses is to characterize primarily those poliovirus isolates that demonstrate deviations from OPV in antigenic and genetic intratypic differentiation (ITD) tests. Here we report on two independent cases of poliomyelitis caused by VDPVs with "Sabin-like" properties in several ITD assays. The results suggest the existence of diverse pathways of OPV evolution and necessitate improvement of poliovirus surveillance, which currently potentially misses this class of VDPV.

Surficial geology and shaded seafloor relief of Georges Bank, Fundian Channel and Northeast Channel, Gulf of Maine

Science.gov (United States)

Todd, B.J.; Valentine, Page C.

2015-01-01

Georges Bank is a shallow submarine bank that lies south of Nova Scotia and east of Cape Cod and bounds the seaward side of the Gulf of Maine. The international boundary between Canada and the United States transects the bank, and the eastern part of the bank (~7500 square kilometres) lies in Canadian territory. This map shows the surficial geology of a part of Georges Bank at a scale of 1:50 000. This map has companion topographic and backscatter strength maps. These companion maps provide a basis for interpreting the origin of seafloor features and the nature of materials that form the seafloor. The maps are based on multibeam-sonar surveys conducted in 1999 and 2000 to map 11,965 square kilometres of the seafloor.

The archaeology of computer codes - illustrated on the basis of the code SABINE

International Nuclear Information System (INIS)

Sdouz, G.

1987-02-01

Computer codes used by the physics group of the Institute for Reactor Safety are stored on back-up-tapes. However during the last years both the computer and the system have been changed. For new tasks these programmes have to be available. A new procedure is necessary to find and to activate a stored programme. This procedure is illustrated on the basis of the code SABINE. (Author)

What Bulgarian Banks offer via Internet: an Overview

OpenAIRE

Bojidar Bojinov

2003-01-01

The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

Detection of negative and positive RNA strand of poliovirus Sabin 1 and echovirus E19 by a stem-loop reverse transcription PCR.

Science.gov (United States)

Fikatas, A; Dimitriou, T G; Kyriakopoulou, Z; Moschonas, G D; Amoutzias, G D; Mossialos, D; Gartzonika, C; Levidiotou-Stefanou, S; Markoulatos, P

2017-09-01

In this report a strand specific RT-PCR was established for the detection of the replicative negative RNA strand of poliovirus sabin 1 (Sabin1) and Echovirus 19 (E19) strains. The key for the successful conduction of the assay was the use of a specific reverse transcription primer targeting the 5'-UTR of enteroviruses that consisted of a stem-loop structure at the 5'-end and an enteroviral-specific sequence at the 3'-end. The stem loop RT-PCR was found to be an accurate and sensitive method, detecting even 10 -2 CCID 50 of poliovirus sabin 1 (Sabin1) and E19 strains 6 h postinfection (p.i.), while CPE appeared 3 days later. This assay was also validated in SiHa and Caski cell lines that are not used for the detection of enteroviruses. The negative RNA strand was detected 6 h and 12 h p.i. in SiHa and Caski cells, when these cell lines were inoculated with 10 5 and 1 CCID 50 respectively, whereas CPE was observed 5 days p.i for SiHa cells and 8 days p.i for Caski cells and that only at 10 5 CCID 50 . The results show that this approach may be used for replacing the time-consuming cell cultures in order to detect the active replication of enteroviruses. Enteroviruses are positive stranded RNA viruses that may cause severe diseases. The conventional method for detection of active viral replication involves virus isolation in sensitive cell cultures followed by titration and seroneutralization. In this report, we describe the use of a stem-loop secondary structured oligonucleotide in RT-PCR assay for the detection of the replicative negative strand of the positive-stranded RNA of poliovirus sabin 1 and E19 strains. This approach proved to be a useful tool that may be used for replacing the time-consuming cell culture assays in order to detect the active replication of enteroviruses. © 2017 The Society for Applied Microbiology.

75 FR 62512 - Sabine Pass Liquefaction, LLC; Application for Long-Term Authorization To Export Liquefied...

Science.gov (United States)

2010-10-12

... than two years) with third parties with terms up to 30 years executed by September 7, 2020. The LNG may... Application, as countries that hold membership in the World Trade Organization (WTO Countries) and those... through job creation, increased economic activity and tax revenues. Second, Sabine Pass maintains that the...

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

Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

Unclogging the Credit Channel: on the Macroeconomics of Banking Frictions

NARCIS (Netherlands)

Jakucionyte, E.; van Wijnbergen, S.

2018-01-01

We explore the consequences of different financial frictions on the corporate and banking level for macroeconomic policy responsiveness to major policy measures. We show that both corporate and bank debt overhang greatly reduce the effectiveness of fiscal policy: multipliers turn negative with debt

Sabin and wild type polioviruses from children who presented with acute flaccid paralysis in Nigeria.

Science.gov (United States)

Adedeji, A O; Okonko, I O; Adu, F D

2012-09-01

Sensitive poliovirus surveillance to detect vaccine-derived-polioviruses will continue to increase in importance. Isolating and identifying poliovirus strains from children of pediatrics age in Nigeria. A total of 120 fecal samples were randomly collected from children under the age of five who presented with acute flaccid paralysis. Samples were tested by tissue culture technique and further characterized by intratypic differentiation testing using ELISA and PCR methods. The study confirmed the presence of 22(18.3%) enteroviral isolates comprising 19(86.4%) polioviruses and 3(13.6%) non-polio enteroviruses. These 19 polioviruses include: Sabin-type poliovirus-1 (15.8%), poliovirus-2 (10.5%), poliovirus-3 (10.5%) and wild-type poliovirus-1 (63.2%) isolates. It showed that poliovirus infection was higher in children ages 6-11 months (18.9%), females (18.4%), northern states (91.0%) with no vaccination record (75.0%). Wild-type poliovirus-1 was isolated from the stool samples of 12(54.6%) children from northern states and in all age groups except 18-23 months. No significant differences (P >0.05) between poliovirus infection and age (18.9% vs. 17.7%; 81.9% vs. 18.2%) and sex (18.3% vs. 18.4%). There was significant differences (Pvaccination (75.0% vs. 0.0%). No wild-type poliovirus was found in those with complete vaccination. This study further confirms the presence of Sabin and wild-type poliovirus among children in Nigeria. The isolation of Sabin strain of poliovirus is advantageous to the polio eradication program as it is capable of inducing natural immunity in susceptible hosts. Transmission of wild-type poliovirus among children with incomplete vaccination poses a serious threat to polio eradication program in Nigeria. Environmental and serological surveillance with larger sample size are important for monitoring poliovirus circulation in Nigeria.

A RT-PCR method for selective amplification and phenotypic characterization of all three serotypes of Sabin-related polioviruses from viral mixtures

Directory of Open Access Journals (Sweden)

Eliane Veiga da Costa

2012-08-01

Full Text Available Outbreaks caused by vaccine-derived polioviruses are challenging the final eradication of paralytic poliomyelitis. Therefore, the surveillance of the acute flaccid paralysis cases based on poliovirus isolation and characterization remains an essential activity. Due to the use of trivalent oral poliovirus vaccine (OPV, mixtures containing more than one serotype of Sabin-related polioviruses are frequently isolated from clinical samples. Because each poliovirus isolate needs to be individually analyzed, we designed polymerase chain reaction primers that can selectively distinguish and amplify a genomic segment of the three Sabin-related poliovirus serotypes present in mixtures, thus, optimizing the diagnosis and providing prompt information to support epidemiologic actions.

Cooperative effect of the attenuation determinants derived from poliovirus sabin 1 strain is essential for attenuation of enterovirus 71 in the NOD/SCID mouse infection model.

Science.gov (United States)

Arita, Minetaro; Ami, Yasushi; Wakita, Takaji; Shimizu, Hiroyuki

2008-02-01

Enterovirus 71 (EV71) is a causative agent of hand, foot, and mouth disease and is also associated with serious neurological disorders. An attenuated EV71 strain [EV71(S1-3')] has been established in the cynomolgus monkey infection model; this strain contains the attenuation determinants derived from the type 1 poliovirus vaccine strain, Sabin 1 [PV1(Sabin)], in the 5' nontranslated region (NTR), 3D polymerase, and 3' NTR. In this study, we analyzed the effect of the attenuation determinants of PV1(Sabin) on EV71 infection in a NOD/SCID mouse infection model. We isolated a mouse-adapted EV71 strain [EV71(NOD/SCID)] that causes paralysis of the hind limbs in 3- to 4-week-old NOD/SCID mice by adaptation of the virulent EV71(Nagoya) strain in the brains of NOD/SCID mice. A single mutation at nucleotide 2876 that caused an amino acid change in capsid protein VP1 (change of the glycine at position 145 to glutamic acid) was essential for the mouse-adapted phenotype in NOD/SCID mice. Next, we introduced attenuation determinants derived from PV1(Sabin) along with the mouse adaptation mutation into the EV71(Nagoya) genome. In 4-week-old mice, the determinants in the 3D polymerase and 3' NTR, which are the major temperature-sensitive determinants, had a strong effect on attenuation. In contrast, the effect of individual determinants was weak in 3-week-old NOD/SCID mice, and all the determinants were required for substantial attenuation. These results suggest that a cooperative effect of the attenuation determinants of PV1(Sabin) is essential for attenuated neurovirulence of EV71.

In-situ Geotechnical Characterization of Wetland Channel Cross Sections in Coastal Louisiana Using a Portable Free-fall Penetrometer

Science.gov (United States)

Bilici, C.; Stark, N.; Ghose Hajra, M.

2016-02-01

Broader comprehension of sediment dynamics in wetland channels is essential to protect and restore wetland areas in a sustainable manner. This study focused on a wetland channel located west of Lake Borgne in coastal Louisiana. In-situ tests were performed using a portable free fall penetrometer (PFFP), targeting the characterization of wetland channel sediment characteristics and dynamics. Data were collected at 102 locations along 3 cross-channel transects. Results indicated distinct variations in sediment properties across the channel. Sediments located centrally in the channel were soft and exhibited a similar sediment strength along the channel (0.75 - 3.5 kPa at 20 cm below channel bed surface; 4 - 10 kPa at 100 cm). The sediment strength near the channel banks increased up to 20 kPa at 20 cm below channel bed, while sediment samples did not indicate a significant variation in sediment type. Thus, surficial sediments located at the center of channel appeared less consolidated than at the channel banks. This likely resulted from erosion removing looser sediments due to differences in channel flow patterns or wake waves from boat activity. Furthermore, the thickness of a loose sediment top layer varied for the opposing banks of transects. This may be related to local changes in channel shape. Particularly in meandering parts of the channels, loose sediment layers were limited up to a thickness of 5 cm at the outer bank of individual meanders, while it reached a thickness of 15 cm at the inner bank. This matched the expectations of erosion at the outer banks and deposition on the inner banks. At some locations, asymmetric sediment layers on opposing banks of channel transects were likely related to local channel tributaries. These tributaries may act as a sediment sink or source affecting sedimentation in the investigated channel.

USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

Directory of Open Access Journals (Sweden)

ALIN ISAC

2013-12-01

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

Monetary transmission and bank lending in Germany

OpenAIRE

Kakes, Jan; Sturm, Jan-Egbert; Philipp Maier

1999-01-01

This paper analyses the role of bank lending in the monetary transmission process in Germany. We follow a sectoral approach by distinguishing corporate lending and household lending. We find that banks respond to a monetary contraction by adjusting their securities holdings, rather than reducing their loans portfolio. Most lending categories even show an increase following a monetary tightening. The main implication of our results is that a bank lending channel is not an important transmissio...

Customers’ Perception regarding Assurance of Bancassurance Channel

Directory of Open Access Journals (Sweden)

Choudhury Mousumi

2016-12-01

Full Text Available Bancassurance has evolved as a strong distribution channel in India. Bancassurance means that the insurance company and the bank come together to offer insurance products from the counter of the banks to the bank’s customer. The present study attempts to analyse customers’ perception regarding assurance of bancassurance channel in providing insurance-related services. The study also tries to find out the impact of various demographic variables on customers’ perception regarding assurance of bancassurance channel. The study finds that customers consider bancassurance channel having high assurance in providing insurance services. It is also found in the study that there is no significant association between the demographic variables considered in the study and customers’ perception regarding assurance of bancassurance channel.

Private Banking Survey 2013: Success Through Innovation : Achieving Sustainability and Client-Centricity in Swiss Private Banking

OpenAIRE

Laamanen, Tomi; Schimmer, Markus; Reuter, Emmanuelle

2013-01-01

This year's private banking study by KPMG and the University of St. Gallen (HSG) shows that Swiss private banks can remain successful in the future by innovating. Besides effective implementation of new regulatory requirements, key success factors will include innovative strategies and adaptations to business models, starting with more effective segmentation techniques, an open product architecture, transparent price structures and modern distribution and communication channels. Hardly an...

Fluid escape structures in the Graham Bank region (Sicily Channel, Central Mediterranean) revealing volcanic and neotectonic activity.

Science.gov (United States)

Spatola, Daniele; Pennino, Valentina; Basilone, Luca; Interbartolo, Francesco; Micallef, Aaron; Sulli, Attilio; Basilone, Walter

2016-04-01

In the Sicily Channel, (Central Mediterranean), two geodynamic processes overlap each other, the Maghrebides-Apennines accretionary prism and the Sicily Channel rift. Moreover, the northwestern sector (Banks sector) is characterised by an irregular seafloor morphology linked to the recent volcanic and tectonic activity.In order to discriminate the role exerted by both the processes in the morphostructural setting of the area we used a dataset of both high and very high resolution single-channel and multi-channel profiles, acquired in the frame of the RITMARE project respectively with CHIRP and sparker, and airgun sources, and high resolution (5 m cell) morpho-bathymetric data. The data allowed us to identify and characterise two areas where different geological features (sedimentary and volcanic) are prevailing. They present fluid escaping evidence, which often appears to be active and generating different types of morphologies (both positive and negative). In the western sector we recognised pockmarks at water depths of 195 to 317 m, with diameters from 25 to 580 m, depths from 1.3 to 15 m, and slope up to 23°. They show sub-circular shape in plan-view and reflectors with upward concavity in cross section, and are oriented along a NW-SE trend.The CHIRP and multichannel profiles highlight fluids that affect the Plio-Quaternary succession, especially in areas where the top surface of the Messinian succession is shallower. Conversely, wipe-out acoustic facies were recognised in proximity of: i) extensional faults of Mesozoic age with NW-SE trend; ii) dip/strike slip faults of Cenozoic age with NW-SE, N-S and about NNE-SSW trends, and iii) extensional neo-tectonic faults with NW-SE and NNW-SSE trends. We cannot exclude that they could feed the shallower reservoir producing a mixing between the two. In the eastern sector we recognised a cluster of volcanoes composed of seven cone-shaped structures (SCV1-7), pertaining to a wide area known as Graham Bank. A detailed

Converting Sabine absorption coefficients to random incidence absorption coefficients

DEFF Research Database (Denmark)

Jeong, Cheol-Ho

2013-01-01

are suggested: An optimization method for the surface impedances for locally reacting absorbers, the flow resistivity for extendedly reacting absorbers, and the flow resistance for fabrics. With four porous type absorbers, the conversion methods are validated. For absorbers backed by a rigid wall, the surface...... coefficients to random incidence absorption coefficients are proposed. The overestimations of the Sabine absorption coefficient are investigated theoretically based on Miki's model for porous absorbers backed by a rigid wall or an air cavity, resulting in conversion factors. Additionally, three optimizations...... impedance optimization produces the best results, while the flow resistivity optimization also yields reasonable results. The flow resistivity and flow resistance optimization for extendedly reacting absorbers are also found to be successful. However, the theoretical conversion factors based on Miki's model...

Strategies for Increased Integration of Online and In - Branch Services of Banks in Canada

OpenAIRE

Jason Dong; Michael Bliemel,

2008-01-01

Over the last decade there has been rapid growth of Online Banking. This research examines the benefits of Online Banking and how Canadian Banks accommodate various financial activates through different service channels, including Online, telephone, ABM and in - branch. A Framework is introduced for categorizing the most common activities by their need for physical interaction and assistance and to align activities with their ideal service channel. This research is ...

78 FR 55214 - Annual Marine Events in the Eighth Coast Guard District, Sabine River; Orange, TX

Science.gov (United States)

2013-09-10

... DEPARTMENT OF HOMELAND SECURITY Coast Guard 33 CFR Part 100 [Docket No. USCG-2013-0723] Annual Marine Events in the Eighth Coast Guard District, Sabine River; Orange, TX AGENCY: Coast Guard, DHS... Neches River in Orange, TX from 3 p.m. on September 20, 2013, through 6 p.m. on September 22, 2013. This...

77 FR 47519 - Annual Marine Events in the Eighth Coast Guard District, Sabine River; Orange, TX

Science.gov (United States)

2012-08-09

... DEPARTMENT OF HOMELAND SECURITY Coast Guard 33 CFR Part 100 [Docket No. USCG-2012-0656] Annual Marine Events in the Eighth Coast Guard District, Sabine River; Orange, TX AGENCY: Coast Guard, DHS... Regulations for the S.P.O.R.T. Power Boat Neches River in Orange, TX from 3 p.m. on September 21, 2012...

Innovative IPV from attenuated Sabin poliovirus or newly designed alternative seed strains.

Science.gov (United States)

Hamidi, Ahd; Bakker, Wilfried A M

2012-11-01

This article gives an overview of the patent literature related to innovative inactivated polio vaccine (i-IPV) based on using Sabin poliovirus strains and newly developed alternative recombinant poliovirus strains. This innovative approach for IPV manufacturing is considered to attribute to the requirement for affordable IPV in the post-polio-eradication era, which is on the horizon. Although IPV is a well-established vaccine, the number of patent applications in this field was seen to have significantly increased in the past decade. Currently, regular IPV appears to be too expensive for universal use. Future affordability may be achieved by using alternative cell lines, alternative virus seed strains, improved and optimized processes, dose sparing, or the use of adjuvants. A relatively short-term option to achieve cost-price reduction is to work on regular IPV, using wild-type poliovirus strains, or on Sabin-IPV, based on using attenuated poliovirus strains. This price reduction can be achieved by introducing efficiency in processing. There are also multiple opportunities to work on dose sparing, for example, by using adjuvants or fractional doses. Renewed interest in this field was clearly reflected in the number and diversity of patent applications. In a later stage, several innovative approaches may become even more attractive, for example the use of recombinant virus strains or even a totally synthetic vaccine. Currently, such work is mainly carried out by research institutes and universities and therefore clinical data are not available.

SYNERGY OF INFORMATION COMMUNICATION TECHNOLOGIES AND THE BANKING SYSTEM IN THE FUNCTIONING OF SUCCESSFUL BANKING OPERATIONS

Directory of Open Access Journals (Sweden)

Dario Kovačević

2017-01-01

Full Text Available Nowadays, modern banking cannot function without information and communications technology; hence banks heavily invest in the implementation of technology currently present on the market. Every aspect of the banking business includes information and communications technology, which points to the necessity of building an infrastructure for modern banking. Investing in development and implementation of new technologies simplifies everyday business activities and security, in addition to creating a competitive edge over rival businesses. It ensures fast and efficient customer service delivery by providing support to the distribution channels, as well as supporting bankers with making crucial decisions. The aim of this paper is to analyse trends in the use of information and communications technologies in the banking system, using publicly available business data, documentation and online bank information, as well as previously published findings of other researchers. Using the example of one of the largest banks in the Republic of Croatia, the possibilities provided by information and communications technology in the banking business sector are illustrated. Additionally, better economic efficiency and effectiveness, as well as the means of contemporary bank functioning are presented. Special attention is devoted to the security of ICT systems used in Internet Banking and the protection of banking service users’ data.

Monetary transmission and bank lending in the Netherlands

OpenAIRE

Kakes, Jan

1998-01-01

This paper investigates the role of bank lending in the monetary transmission process in the Netherlands. We observe significant differences between the responses of corporate and household lending following a monetary shock. We also find that banks hold a buffer stock of securities which they use to offset monetary shocks. The main implication of our study is that a bank lending channel is not likely to be an important transmission mechanism of monetary policy.

What Bulgarian Banks offer via Internet: an Overview (v2)

OpenAIRE

Bojidar Bojinov

2003-01-01

The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

Flow Structure and Channel Morphology at a Confluent-Meander Bend

Science.gov (United States)

Riley, J. D.; Rhoads, B. L.

2009-12-01

Flow structure and channel morphology in meander bends have been well documented. Channel curvature subjects flow through a bend to centrifugal acceleration, inducing a counterbalancing pressure-gradient force that initiates secondary circulation. Transverse variations in boundary shear stress and bedload transport parallel cross-stream movement of high velocity flow and determine spatial patterns of erosion along the outer bank and deposition along the inner bank. Laboratory experiments and numerical modeling of confluent-meander bends, a junction planform that develops when a tributary joins a meandering river along the outer bank of a bend, suggest that flow and channel morphology in such bends deviate from typical patterns. The purpose of this study is to examine three-dimensional (3-D) flow structure and channel morphology at a natural confluent-meander bend. Field data were collected in southeastern Illinois where Big Muddy Creek joins the Little Wabash River near a local maximum of curvature along an elongated meander loop. Measurements of 3-D velocity components were obtained with an acoustic Doppler current profiler (ADCP) for two flow events with differing momentum ratios. Channel bathymetry was also resolved from the four-beam depths of the ADCP. Analysis of velocity data reveals a distinct shear layer flanked by dual helical cells within the bend immediately downstream of the confluence. Flow from the tributary confines flow from the main channel along the inner part of the channel cross section, displacing the thalweg inward, limiting the downstream extent of the point bar, protecting the outer bank from erosion and enabling bar-building along this bank. Overall, this pattern of flow and channel morphology is quite different from typical patterns in meander bends, but is consistent with a conceptual model derived from laboratory experiments and numerical modeling.

Experimental study of the characteristics of the flow in the first rows of tube banks

International Nuclear Information System (INIS)

Olinto, Claudio R.; Indrusiak, Maria Luiza S.; Endres, Luiz Augusto M.; Moeller, Sergio V.

2009-01-01

This paper presents the experimental study of the flow instabilities in the first rows of tube banks. The study is performed using hot wire anemometry technique in an aerodynamic channel as well as flow visualizations in a water channel. In the wind channel three tube banks with square arrangement and pitch to diameter ratios P/D = 1.26, 1.4 and 1.6 were studied. The Reynolds number range for the velocities measurements, computed with the tube diameter and the flow velocity in the narrow gap between tubes was 7 x 10 4 -8 x 10 4 . Continuous and discrete wavelets were applied to decompose the velocity results, thus allowing the analysis of phenomena in time-frequency domain. Visualizations in a water channel complemented the analysis of the hot wire results. For this purpose, dye was injected in the flow in the water channel with a tube bank with P/D = 1.26. The range of the Reynolds number of the experiments was 3 x 10 4 -4 x 10 4 . The main results show the presence of instabilities, generated after the second row of the tube bank, which propagates to the interior of the bank. In the resulting flow, the three orthogonal components are equally significant. The three-dimensional behavior of the flow is responsible for a mass redistribution inside the bank that leads to velocity values not expected for the studied geometry, according to the known literature. The resulting flow process can be interpreted as a secondary flow which is characteristic of tube banks.

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

Directory of Open Access Journals (Sweden)

CIURLAU LOREDANA

2012-09-01

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

DNN Filter Bank Cepstral Coefficients for Spoofing Detection

DEFF Research Database (Denmark)

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

2017-01-01

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

Sabine Dullin. La frontière épaisse: Aux origines des politiques soviétiques (1920-1940

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Andrea Chandler

2016-09-01

Full Text Available Sabine Dullin. La frontière épaisse: Aux origines des politiques soviétiques (1920-1940. En temps & lieux 55. Paris: Éditions de l'École des hautes études en sciences sociales, 2014. 356 pp. Illustrations. Maps. Tables. Bibliography. Index of places. Index of names. Paper.

Satellite-derived temperature data for monitoring water status in a floodplain forest of the Upper Sabine River, Texas

Science.gov (United States)

Lemon, Mary Grace T.; Allen, Scott T.; Edwards, Brandon L.; King, Sammy L.; Keim, Richard F.

2016-01-01

Decreased water availability due to hydrologic modifications, groundwater withdrawal, and climate change threaten bottomland hardwood (BLH) forest communities. We used satellite-derived (MODIS) land-surface temperature (LST) data to investigate spatial heterogeneity of canopy temperature (an indicator of plant-water status) in a floodplain forest of the upper Sabine River for 2008–2014. High LST pixels were generally further from the river and at higher topographic locations, indicating lower water-availability. Increasing rainfall-derived soil moisture corresponded with decreased heterogeneity of LST between pixels but there was weaker association between Sabine River stage and heterogeneity. Stronger dependence of LST convergence on rainfall rather than river flow suggests that some regions are less hydrologically connected to the river, and vegetation may rely on local precipitation and other contributions to the riparian aquifer to replenish soil moisture. Observed LST variations associated with hydrology encourage further investigation of the utility of this approach for monitoring forest stress, especially with considerations of climate change and continued river management.

Process-Based Model for Computation of Erosion and Deposition on Shrub-Protected Banks

Science.gov (United States)

Kean, J. W.; Smith, J.

2001-12-01

Determination of erosion and deposition rates on riverbanks requires a detailed knowledge of the near-bank boundary shear stress field. Riverbanks typically are irregular in planiform geometry owing to the presence of vegetation on them, and the effects of vegetation-caused bank irregularity in reducing flow in the neighborhood of the toes of banks must be taken into account in calculating the appropriate boundary shear stress fields. Form drag on roots, stems, and branches of shrubs and trees that protrude into the flow must be carefully evaluated. Methods for calculating the boundary shear stress and sediment transport fields on and near vegetated banks have been developed over the past several years. More recently, the direct effects of roots, stems, and branches in reducing the shear stresses on banks have been investigated in conjunction with research on arroyo channels having nearly trapezoidal cross sections and banks covered with sandbar willow and tamarisk. A model for computing flow and sediment transport in such channels is presented and then used to demonstrate the relative importance of the various environmental factors and their interactions. The primary environmental factors include (1) the cross-sectional geometry of the flow, which controls the structure of the cross-sectional distribution of the streamwise-averaged boundary shear stress, (2) the micro topography of the bed and banks, which determines the local ratio of streamwise-averaged boundary shear stress to skin friction and, thus, the cross-sectional structure of the sediment transport field in the channel, and (3) the bed-sediment size distribution, which controls the importance of density stratification in the flow and, thereby, the vertical structure of the velocity field. The model demonstrates that woody vegetation on sloping banks affects the flow in several ways. First, it forces the high velocity core toward the center of the channel, increasing the streamwise-averaged boundary

The similarity of river evolution at the initial stage of channel erosion

Science.gov (United States)

Lin, Jiun-Chuan

2014-05-01

The study deals with a comparison study of two types of rocks at the initial stage of channel erosion in Taiwan. It is interesting that channel erosion at different types of rocks shows some similarity. There are two types of rocks: sandstone at Ta-an River, central Taiwan where river channel erosion from the nick point because of earthquake uplifting and mud rock at Tainan, southern Taiwan where rill erosion on a flat surface after artificial engineering. These two situations are both at the beginning stage of channel erosion, there are some similar landform appeared on channels. However the rate of erosion and magnitude of erosion are different. According to the using of photogrammetry method to reconstruct archive imageries and field surveying by total station and 3D scanner at different stages. The incision rate is high both at the Ta-an River and the bank erosion and it is even more obvious at mud rock area because of erodibility of mud rock. The results show that bank erosion and incision both are obvious processes. Bank erosion made channel into meander. The bank erosion cause slope in a asymmetric channel profile. The incision process will start at the site where land is relatively uplifted. This paper demonstrates such similarity and landform characters.

Bank Lending, Housing and Spreads

DEFF Research Database (Denmark)

Aslam, Aqib; Santoro, Emiliano

The framework presented in this paper takes its cue from recent financial events and attempts to develop a tractable framework for policy analysis of macro-linkages, in particular a first attempt at the integration of an independent profit-maximising banking sector that lends to and borrows from...... agents in the economy, and through which changes in the monetary policy rate by the central bank are transmitted. The inter-linkages between housing and the role of the banking sector in the transmission of monetary policy is emphasized. Two competing effects are highlighted: (i) a financial accelerator...... channel, due to the presence of collateralized borrowers, and (ii) a banking attenuator effect, which crucially arises from the spread in interest rates caused by the introduction of monopolistically competitive financial intermediaries. We show how the classical amplification mechanism explored in models...

A holistic approach to marketing in Montenegrin banks

Directory of Open Access Journals (Sweden)

Žugić Jelena

2016-01-01

Full Text Available In modern conditions of market globalization and strong competition, it is necessary to improve a holistic approach to marketing in banks. This paper is based on the research conducted in the banks in Montenegro. The goal of this study was to determine whether the Montenegrin banks have clearly redefined the concept of marketing, recognized the specific nature of marketing in banking and adopted a holistic marketing concept in modern banking. The main purpose of marketing in banking is to attract, retain and develop long-term relationships with customers and other stakeholders. Also, the marketing concept in banking includes the achievement of full cooperation with customers through relationship marketing, customer relationship management (CRM, alternative distribution channels in modern banking and, in general, a holistic approach to marketing. Holistic marketing analysis will help identify the strengths and weaknesses in marketing in the banking sector of Montenegro and give platform for strategic planning for its further development.

Investment banks in AIC – alternative loan

Directory of Open Access Journals (Sweden)

O.V. Lysenok

2015-03-01

Full Text Available Determining the status and problems of modern investment in agricultural enterprises, as well as ways to improve their financial security. The article deals with the essence of investments and their varieties. The dynamics of the securities portfolio of domestic banks and investments in agriculture. According to a study submitted proposals to increase investment banking businesses in the agricultural sector, which is necessary to create such conditions are not included in the calculation of the volume of investment regulations investment banking provided by agribusiness companies; availability of specialized banks, which will focus its resources on the development of agricultural enterprises; give banks the opportunity to issue special investment certificates, which received funds will be channeled exclusively on investing in the development of agricultural enterprises; for the above to create an appropriate legal framework.

Quasi-spherical compression of a spark-channel plasma

International Nuclear Information System (INIS)

Panarella, E.

1980-01-01

An axial spark channel in deuterium has been used as a target for implosive shock waves created with a conventional cylindrical theta-pinch device. The compression of the channel by the implosive waves raised the plasma electron temperature to approximately 120 eV for approximately 6 kJ of condenser bank energy and 1 Torr initial gas pressure. In order to improve the efficiency of compression of the channel plasma and to reduce the end losses inherent in the cylindrical configuration, the theta-pinch geometry was then converted from cylindrical into spherical. Under identical conditions of gas pressure and condenser bank energy, the electron temperature now peaked at approximately 400 eV. When the bank energy was increased to approximately 10 kJ, neutron production was observed. The total neutron output per shot ranged from 10 5 to 10 6 and increased inversely with the pinch discharge volume

Analysis of the dose-sparing effect of adjuvanted Sabin-inactivated poliovirus vaccine (sIPV).

Science.gov (United States)

Li, Zhuofan; Ding, Wenting; Guo, Qi; Liu, Ze; Zhu, Zhe; Song, Shaohui; Li, Weidong; Liao, Guoyang

2018-03-30

Sabin-based inactivated poliovirus vaccine(sIPV) is gradually replacing live-attenuated oral polio vaccine(OPV). Sabin-inactivated poliovirus vaccine(sIPV) has played a vital role in reducing economic burden of poliomyelitis and maintaining appropriate antibody levels in the population. However, due to its high cost and limited manufacturing capacity, sIPV cannot reach its full potential for global poliovirus eradication in developing countries. Therefore, to address this situation, we designed this study to evaluate the dose-sparing effects of AS03, CpG oligodeoxynucleotides (CpG-ODN) and polyinosinic:polycytidylic acid (PolyI:C) admixed with sIPV in rats. Our results showed that a combination of 1/4-dose sIPV adjuvanted with AS03 or AS03 with BW006 provides a seroconversion rate similar to that of full-dose sIPV without adjuvant and that, this rate is 5-fold higher than that of 1/4-dose sIPV without adjuvant after the first immunization. The combination of AS03 or AS03 with BW006 as an adjuvant effectively reduced sIPV dose by at least 4-fold and induced both humoral and cellular immune responses. Therefore, our study revealed that the combination of AS03 or AS03 with BW006 is a promising adjuvant for sIPV development.

Assessment of long-term channel changes in the Mekong River using remote sensing and a channel-evolution model

Science.gov (United States)

Miyazawa, N.

2011-12-01

River-channel changes are a key factor affecting physical, ecological and management issues in the fluvial environment. In this study, long-term channel changes in the Mekong River were assessed using remote sensing and a channel-evolution model. A channel-evolution model for calculating long-term channel changes of a measndering river was developed using a previous fluid-dynamic model [Zolezzi and Seminara, 2001], and was applied in order to quantify channel changes of two meandering reaches in the Mekong River. Quite few attempts have been made so far to combine remote sensing observation of meandering planform change with the application of channel evolution models within relatively small-scale gravel-bed systems in humid temperate regions. The novel point of the present work is to link state-of-art meandering planform evolution model with observed morphological changes within large-scale sand-bed rivers with higher bank height in tropical monsoonal climate regions, which are the highly dynamic system, and assess the performance. Unstable extents of the reaches could be historically identified using remote-sensing technique. The instability caused i) bank erosion and accretion of meander bends and ii) movement or development of bars and changes in the flow around the bars. The remote sensing measurements indicate that maximum erosion occurred downstream of the maximum curvature of the river-center line in both reaches. The model simulations indicates that under the mean annual peak discharge the maximum of excess longitudinal velocity near the banks occurs downstream of the maximum curvature in both reaches. The channel migration coefficients of the reaches were calibrated by comparing remote-sensing measurements and model simulations. The diffrence in the migration coefficients between both reaches depends on the diffrence in bank height rather than the geotechnical properties of floodplain sediments. Possible eroded floodplain areas and accreted floodplain

Secondary flow in sharp open-channel bends

NARCIS (Netherlands)

Blanckaert, K.; De Vriend, H.J.

2004-01-01

Secondary currents are a characteristic feature of flow in open-channel bends. Besides the classical helical motion (centre-region cell), a weaker and smaller counter-rotating circulation cell (outer-bank cell) is often observed near the outer bank, which is believed to play an important role in

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.

Bank Entry Mode, Labor Market Flexibility and Economic Activity

OpenAIRE

Wang, Teng

2015-01-01

In this paper, I investigate whether information accessibility in the target market influences the mode in which out-of-state banks enter the new market following the U.S. interstate banking deregulation and consequently affects local economic activity. I exploit heterogeneity in legal enforcement of non-compete covenants across states and over time as exogenous variations in the key channel through which an out-of-state bank could gain access to local information: the mobility of local incum...

Antigen sparing with adjuvanted inactivated polio vaccine based on Sabin strains.

Science.gov (United States)

Westdijk, Janny; Koedam, Patrick; Barro, Mario; Steil, Benjamin P; Collin, Nicolas; Vedvick, Thomas S; Bakker, Wilfried A M; van der Ley, Peter; Kersten, Gideon

2013-02-18

Six different adjuvants, each in combination with inactivated polio vaccine (IPV) produced with attenuated Sabin strains (sIPV), were evaluated for their ability to enhance virus neutralizing antibody titres (VNTs) in the rat potency model. The increase of VNTs was on average 3-, 15-, 24-fold with adjuvants after one immunization (serotypes 1, 2, and 3, respectively). Also after a boost immunization the VNTs of adjuvanted sIPV were on average another 7-20-27 times higher than after two inoculations of sIPV without adjuvant. The results indicate that it is feasible to increase the potency of inactivated polio vaccines by using adjuvants. Copyright © 2013 Elsevier Ltd. All rights reserved.

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.

Enhancing the use of internet banking in an emerging market

Directory of Open Access Journals (Sweden)

Jacques Nel

2014-11-01

Full Text Available Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients’ actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.

Arsenic Removal from Drinking Water by Iron Removal U.S. EPA Demonstration Project at Sabin, MN Final Performance Evaluation Report

Science.gov (United States)

This report documents the activities performed and the results obtained from January 30, 2006 to April 29, 2007 at the U.S. Environmental Protection Agency (EPA) Arsenic Removal Technology Demonstration site in Sabin, MN. The main objective of the project was to evaluate the eff...

Workforce Optimization for Bank Operation Centers: A Machine Learning Approach

OpenAIRE

Sefik Ilkin Serengil; Alper Ozpinar

2017-01-01

Online Banking Systems evolved and improved in recent years with the use of mobile and online technologies, performing money transfer transactions on these channels can be done without delay and human interaction, however commercial customers still tend to transfer money on bank branches due to several concerns. Bank Operation Centers serve to reduce the operational workload of branches. Centralized management also offers personalized service by appointed expert employees in these centers. In...

Arsenic Removal from Drinking Water by Iron Removal. U.S. EPA Demonstration Project at Sabin, MN. Six-Month Evaluation Report

Science.gov (United States)

This report documents the activities performed during and the results obtained from the first six months of the EPA arsenic removal technology demonstration project at the Sabin, MN. The main objective of the project is to evaluate the effectiveness of the Kinetico FM-248-AS ars...

Regulation of Communication Policy of Modern Banks

Directory of Open Access Journals (Sweden)

Ketova Natalia, P.

2016-03-01

Full Text Available The paper shows the need for effective communication commercial banks, revealed the possibility of interaction with customers through advertising, sponsorship, philanthropy, sales promotion, lobbying of interests of banking institutions. The principles for the regulation of communications to ensure consistency of communication complex, which cause a complex effect on the external environment, the creation of adaptive system of marketing communications. It is proved that the possibilities of implementing an active communication policy of modern banks in recent years is constantly increasing. This contributes to the extension of Internet technologies, the creation of remote service channels, the emergence of new tools and technologies to attract and retain customers. On the example of JSC "Sberbank of Russia" presented the technology of using the traditional tools of ATL and BTL communications, the formation of the system CSR – corporate social responsibility, building contact with customers, enhancing their loyalty to the Bank. Reveals the areas of regulation of the savings Bank of its activities on the creation of the daily value of services based on the principles of involvement and co-operation of the system "Client - Bank", "Bank - Company", "Bank – Employees".

Cash efficiency for bank branches.

Science.gov (United States)

Cabello, Julia García

2013-01-01

Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks' branches is also a relevant issue as any significant improvement in cash management at the bank distribution channels may have a positive effect in reducing liquidity tensions. In this paper, we propose a simple programme of cash efficiency for the banks' branches, very easy to implement, which conform to a set of instructions to be imposed from the bank to their branches. This model proves to significantly reduce cash holdings at branches thereby providing efficiency improvements in liquidity management. The methodology we propose is based on the definition of some stochastic processes combined with renewal processes, which capture the random elements of the cash flow, before applying suitable optimization programmes to all the costs involved in cash movements. The classical issue of the Transaction Demand for the Cash and some aspects of Inventory Theory are also present. Mathematics Subject Classification (2000) C02, C60, E50.

Information problems and deposit constraints at banks

OpenAIRE

Jith Jayaratne; Donald Morgan

1997-01-01

Following the investment-cash flow literature, we test whether bank lending is constrained by the availability of insured deposits--a necessary condition for the existence of bank lending channel of monetary policy. We treat insured deposits as a type of "internal fund," similar to cash flows. We use a simple model to sort out the possible identification issues in interpreting a lending-deposit correlation, including reverse causality and omitted variable bias. To minimize the latter, we spli...

Quality Management Assessment Focus to Customers’ Satisfaction to Raiffeisen Bank Romania

Directory of Open Access Journals (Sweden)

Violeta DRAGOI

2013-12-01

Full Text Available Credit institutions have an important role in the economic and social development of a country because they represent the vital centers of an economic system, designed to identify the financial needs of the clients in order to cover them by creating and launching on market financial and banking products and services. In an bank, the marketing leaders must identify the products and services that meet the customer requirements, to upgrade financial and banking products and services, to create and launch new products and services on the market, to set up the adequate price, the way to promote and especially must find the most efficient distribution channels to make the products accessible to customers in the time they need. The paper gives an overview of main types of distribution channels used by Raiffeisen Bank in order to obtain a competitive advantage by providing personalized services in a timely and effective cost.

High-Selectivity Filter Banks for Spectral Analysis of Music Signals

Directory of Open Access Journals (Sweden)

Luiz W. P. Biscainho

2007-01-01

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

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.

In lands of foreign currency credit, bank lending channels run through?

OpenAIRE

Ongena, Steven; Schindele, Ibolya; Vonnák, Dzsamila

2014-01-01

We analyze the differential impact of domestic and foreign monetary policy on the local supply of bank credit in domestic and foreign currencies. We analyze a novel, supervisory dataset from Hungary that records all bank lending to firms including its currency denomination. Accounting for time-varying firm-specific heterogeneity in loan demand, we find that a lower domestic interest rate expands the supply of credit in the domestic but not in the foreign currency. A lower foreign interest rat...

Central Bank Communication and the Yield Curve

DEFF Research Database (Denmark)

Leombroni, Matteo; Vedolin, Andrea; Venter, Gyuri

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

The Role of Participation Banking as Alternative Financing Channels to Substitute for Deposit Banks and its Growth in the Turkish Finance Market - Period: 2007-2015

Directory of Open Access Journals (Sweden)

Ferhat Sayım

2017-09-01

Full Text Available Financial systems and companies have become the most important reasons in the weakness of world economic system. The formation and development process of the financial structure also constitute the infrastructure of the world economic system. The path of the financial system and development has led to discuss with the financial crisis in 2008-2011. One of the solutions in order to reduce problems caused by the conventional banking system is alternative financing systems. In Turkey, the corporations based on profit share system are named participation banks. These banks which settle on different principles in the risk distribution of the portfolio acquired are analyzed more nowadays. Participation based banks are placed in practically every regulation related to banking terms and get their legal infrastructure more steady in the banking legislation of Turkey. This study is a continuation of a series related to the situation of participation banking in Turkey. On the other hand, the literature and the history of participation banking have been given less attention in this study. Literature information on methods in participation banks has been described in previous work of the series. Two analyzes were conducted in this study. One analysis is interpretive analysis that expresses the situation of applications of participation banking against banking risks. The other is an analysis of the figures of participation banks in Turkey as a continuation of the series. This study is a 2007-2015 part of research series. The study tries to explore the place and the importance of participation based banking with the various sub-headings, especially in Turkey. For this reason, we examine the comparative review 2007-2015 data of participation banks which are composed of Total Assets, Equity Net Profit, Collected Funds and Bank Loan Funds. Then we compare the total figures with deposit banks for the same period in Turkey.

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

Science.gov (United States)

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

2013-02-01

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

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

NARCIS (Netherlands)

L-F. Pau (Louis-François)

2004-01-01

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

IDENTIFYING BANK LENDING CHANNEL IN INDONESIA: A VECTOR ERROR CORRECTION APPROACH WITH STRUCTURAL BREAK

Directory of Open Access Journals (Sweden)

Akhsyim Afandi

2017-03-01

Full Text Available There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.

PROFITABILITY OF THE CEE BANKING SYSTEMS DURING THE CRISIS PERIOD

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MAGDALENA RADULESCU

2012-01-01

Full Text Available The increase of the foreign property in the CEE countries took place at the same time with the increase of the concentration on the banking market. The foreign countries contributed to the highest concentration level of the banking market through two channels: the acquisition by the foreign banks of some local institutions and the consolidation of the local (autochthonous institutions. Plus, the capital markets have developed considerably in the CEE countries, offering the firms alternative financing sources.

Central Bank Communication and the Yield Curve

DEFF Research Database (Denmark)

Leombroni, Matteo; Vedolin, Andrea; Venter, Gyuri

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

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...

Mobile Phone Banking Usage Behaviour: An Australian Perspective

Directory of Open Access Journals (Sweden)

Majharul Talukder

2014-12-01

Full Text Available While the use of mobile phones in financial transactions is witnessing phenomenal growth at the international level, its growth has been relatively slow in Australia. Drawing on the theory of reasoned action and technology adoption framework, this paper reports the results concerning a survey of mobile phone users for banking transactions in Australia. The paper specifically identified the factors affecting usage behaviour when mobile phone banking services were engaged. The findings broaden and deepen our understanding of the usage of mobile-based banking in the information age. This paper contributes to the knowledge of this subject by including identification and testing of constructs of predictors regarding mobile phone banking, which are additional to those employed in the extant theories indicated above. The findings of this paper have important policy implications for banks in terms of understanding the underlying factors that drive customers’ mobile banking for financial transactions. Accordingly, design strategies have been developed to promote mobile phone banking – a cost effective channel for delivering financial services.

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

limitations, we have modified the model to account for the distribution of root cohesion (cR) within the soil and the non-simultaneous root breaking: ‘N cR = k′k′′ (Trar)i i=1 where Tr is the tensile strength and ar is the Root Area Ratio (RAR) for roots belonging to diameter class i, N is the number of classes considered, k′ is the factor accounting for the decomposition of root tensile strength and k′′ is a factor accounting for the non-simultaneous breaking of roots. In the present work the modified W&W model has been adopted to estimate the root cohesion due to the riparian vegetation, and the bank stability, for six study sites belonging to two small agricultural channel of the Lombardy plane. The study sites consist of very steep banks (45-50˚ ) with the following riparian vegetation, typical of the considered landscape: Sambucus nigra, Acer campestre, Rubus spp., Populus Canadensis. Several samples of roots have been taken at each site, in order to carry out laboratory tensile strength tests and to develop the strength-diameter relationships, which are requested to estimate the tensile strength of the roots of the different size according to their species. Trenches have been excavated into the bank at each site in order to identify all the roots of different size present at each depth, and to estimate RAR distribution with depth. Estimated root cohesion values for each site have been then used into a bank stability model to evaluate the current Factor of Safety values, that have been compared with those resulting from banks without vegetation. Results show that in the selected cases, riparian vegetation is crucial in determining the stability of the banks. Neglecting the estimated values of cohesion, in fact, banks result extremely unstable, according to their soil properties and their steepness.

Interaction of the Faroe Bank Channel overflow with Iceland Basin intermediate waters

Science.gov (United States)

Ullgren, Jenny E.; Fer, Ilker; Darelius, Elin; Beaird, Nicholas

2014-01-01

The narrow and deep Faroe Bank Channel (FBC) is an important pathway for cold, dense waters from the Nordic Seas to flow across the Iceland-Scotland ridge into the North Atlantic. The swift, turbulent FBC overflow is associated with strong vertical mixing. Hydrographic profiles from a shipboard survey and two Slocum electric gliders deployed during a cruise in May-June 2012 show an intermediate water mass characterized by low salinity and low oxygen concentration between the upper waters of Atlantic origin and the dense overflow water. A weak low-salinity signal originating north-east of Iceland is discernible at the exit of the FBC, but smeared out by intense mixing. Further west (downstream) marked salinity and oxygen minima are found, which we hypothesize are indicators of a mixture of Labrador Sea Water and Intermediate Water from the Iceland Basin. Water mass characteristics vary strongly on short time scales. Low-salinity, low-oxygen water in the stratified interface above the overflow plume is shown to move along isopycnals toward the Iceland-Faroe Front as a result of eddy stirring and a secondary, transverse circulation in the plume interface. The interaction of low-salinity, low-oxygen intermediate waters with the overflow plume already at a short distance downstream of the sill, here reported for the first time, affects the final properties of the overflow waters through entrainment and mixing.

Influence of Meander Confinement on Hydro-Morphodynamics of a Cohesive Meandering Channel

Directory of Open Access Journals (Sweden)

Parna Parsapour-Moghaddam

2018-03-01

Full Text Available Despite several decades of intensive study of the morphological changes in meandering rivers, less attention has been paid to confined meanders. This paper studies the hydro-morphodynamics of two adjacent sub-reaches of a meandering creek, located in the City of Ottawa, Canada. Both of these sub-reaches are meandering channels with cohesive bed and banks, but one is confined by a railway embankment. Field reconnaissance revealed distinct differences in the morphological characteristics of the sub-reaches. To further study this, channel migration and morphological changes of the channel banks along each of these sub-reaches were analyzed by comparing the historical aerial photography (2004, 2014, light detection and ranging (LIDAR data (2006, bathymetric data obtained from a total station survey (2014, and field examination. Moreover, two different spatially intensive acoustic Doppler current profiler (ADCP surveys were conducted in the study area to find the linkage between the hydrodynamics and morphological changes in the two different sub-reaches. The unconfined sub-reach is shown to have a typical channel migration pattern with deposition on the inner bank and erosion on the outer bank of the meander bend. The confined sub-reach, on the other hand, experienced greater bank instabilities than the unconfined sub-reach. The average rate of bank retreat was 0.2 m/year in the confined sub-reach whereas it was lower (0.08 m/year in the unconfined sampling reach. In the confined sub-reach, an irregular meandering pattern occurred by the evolution of a concave-bank bench, which was caused by reverse flow eddies. The sinuosity of the confined sub-reach decreased from 1.55 to 1.49 in the 10-year study period. The results of the present study demonstrate the physical mechanisms by which meander confinement can change the meandering pattern and morphological characteristics of a cohesive clay bed creek.

Social Media Marketing – Analysis of Online presence of Slovak banks

Directory of Open Access Journals (Sweden)

Tomas Feige

2013-07-01

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

THE CONSTRAINING FACTORS OF THE INNOVATIVE DIRECTION IN THE BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Ludmila COBZARI

2014-01-01

Full Text Available The new reality and proper functioning of banking institutions in order to fully satisfy the customers’ needs by using modern electronic banking technologies, and in some cases, revision of the monitoring procedures and control of hazards. Without the use of innovations in the banking system it is almost impossible to create high competitive products and services. Under these conditions, a significant competitive advantage will have the banks that will be able to develop and introduce new technologies, products and services, develop alternative customer service channels, and namely achieve the innovation process, innovation becoming finally an effective mean of competition.

THE CONSTRAINING FACTORS OF THE INNOVATIVE DIRECTION IN THE BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Ludmila COBZARI

2014-03-01

Full Text Available The new reality and proper functioning of banking institutions in order to fully satisfy the customers’ needs by using modern electronic banking technologies, and in some cases, revision of the monitoring procedures and control of hazards. Without the use of innovations in the banking system it is almost impossible to create high competitive products and services. Under these conditions, a significant competitive advantage will have the banks that will be able to develop and introduce new technologies, products and services, develop alternative customer service channels, and namely achieve the innovation process, innovation becoming finally an effective mean of competition.

What Drives Bank Lending in Domestic and Foreign Currency Loans in a Small Open Transition Economy with Fixed Exchange Rate? The Case of Macedonia

OpenAIRE

Jane Bogoev

2011-01-01

This paper investigates two different bank loan supply functions and their determinants according to the currency of bank loans in the Republic of Macedonia. There is robust statistical evidence in favour of the existence of a bank lending channel through foreign currency loans and the foreign reference interest rate. This suggests that the impact of domestic monetary policy over the bank lending channel is limited. The most significant bank-specific characteristic for the foreign currency lo...

Bank-derived material dominates fluvial sediment in a suburban Chesapeake Bay watershed

Science.gov (United States)

Cashman, M. J.; Gellis, A.; Gorman-Sanisaca, L.; Noe, G. B.; Cogliandro, V.; Baker, A.

2017-12-01

Excess fine sediment is a leading cause of ecological degradation within the Chesapeake Bay watershed. The Piedmont physiographic province, which includes parts of the Washington, D.C. metro area, has the highest sediment yields in the Chesapeake Bay. In order to effectively employ sediment mitigation measures, it is necessary to identify and quantify the contributions of sediments sources within rapidly urbanizing areas in the Piedmont. This sediment fingerprinting study examines the inputs of various sediment sources to Upper Difficult Run (14.2 km2; 22.6% impervious surface), an urbanized watershed in Fairfax County, Virginia. A source sediment library was constructed from collections of stream bank material, forest soils, and road dust from across the watershed. Target fluvial sediments were collected from fine channel margin deposits and from suspended sediment using an autosampler during 16 storm events from 2008 - 2012. Apportionment of the target samples to the source sediments was performed using Sed_SAT, a publically available toolkit for sediment fingerprinting. Bed sediment was found to be dominated by stream bank sources (mean: 96%), with minor contributions from forest (4%) and no detectable contribution from roads (0%). Suspended fine sediments were also found to predominantly originate from stream bank sources (SSC-weighted mean: 91%), with minor contributions from roads (8%), and negligible contributions from forests (1%). Stream bank sources dominated at all discharges, with the greatest contributions from overland sources found only at low discharges. On the rising limb of the hydrograph and at peak flow, sediment concentrations increased due to increasing contributions of bank material rather than surface erosion caused by overland flow. Results demonstrate that stream bank erosion is responsible for the vast majority of fine sediment occurring in this suburban basin of the Chesapeake Bay watershed. This is likely a consequence of storm

Channel response in a semiarid stream to removal of tamarisk and Russian olive

Science.gov (United States)

Jaeger, Kristin L.; Wohl, Ellen

2011-02-01

We report observed short-term (3 years) channel adjustment in an incised, semiarid stream to the removal of invasive plants, tamarisk (Tamarix spp.) and Russian olive (Elaeagnus angustifolia) by (1) removing the above-ground portion of the plant (cut-stump method) and (2) removing the entire plant (whole-plant method). The stream flows through Canyon de Chelly National Monument in Arizona, USA., draining an ˜1500 km2 catchment. Average channel width is 13 m; average thalweg depth is 2-3 m, although channel banks exceed 8 m locally. Channels adjusted primarily through widening, with significantly larger changes occurring in whole-plant removal reaches; however, neither plant removal method elicited large-scale bank destabilization, and the channels remained entrenched. Particular site conditions limiting large-scale destabilization include the absence of sufficient streamflow magnitudes, the presence of clay layers at the bank toe, the remaining presence of native vegetation, and the entrenched morphology. Our findings serve as a cautionary note regarding the temporal and spatial variability in channel response to invasive plant removal and underscore the importance of considering site-specific conditions in future restoration projects that include invasive plant removal.

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.

Preconditioning Filter Bank Decomposition Using Structured Normalized Tight Frames

Directory of Open Access Journals (Sweden)

Martin Ehler

2015-01-01

Full Text Available We turn a given filter bank into a filtering scheme that provides perfect reconstruction, synthesis is the adjoint of the analysis part (so-called unitary filter banks, all filters have equal norm, and the essential features of the original filter bank are preserved. Unitary filter banks providing perfect reconstruction are induced by tight generalized frames, which enable signal decomposition using a set of linear operators. If, in addition, frame elements have equal norm, then the signal energy is spread through the various filter bank channels in some uniform fashion, which is often more suitable for further signal processing. We start with a given generalized frame whose elements allow for fast matrix vector multiplication, as, for instance, convolution operators, and compute a normalized tight frame, for which signal analysis and synthesis still preserve those fast algorithmic schemes.

PERILAKU NASABAH DALAM MEMILIH PRODUK PEMBIAYAAN PEGADAIAN PADA PT. BANK SYARI’AH MANDIRI TBK

Directory of Open Access Journals (Sweden)

Novi Rofiani

2016-02-01

Full Text Available Aktivitas ekonomi syariah pada saat ini semakin meningkat, baik dari segi kualitas maupun kuantitasnya. Indikasinya adalah tumbuhnya perbankan syariah yang telah memberikan stimulus kepada masyarakat tentang alternatif pembiayaan yang lebih adil dan distributif.1 Pertumbuhan Perbankan Syariah di Indonesia cukup menggembirakan. Per Desember 2008, tercatat ada lima Bank Syariah (Bank Muamalat Indonesia, bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Syariah BRI, dan Bank Syariah bukopin, 28 Unit Usaha Syariah (UUS dan 131 Bank perkreditan Rakyat Syariah. Dari jumlah ini, terdapat 951 kantor jaringan, belum termasuk jaringan kantor Office channeling yang jumlahnya hampir mencapai 1.500 (Desember 2008.DOI: 10.15408/aiq.v1i2.2467

Digital disruption of the banking industry: Threat or opportunity?

OpenAIRE

Krstić Nataša; Tešić Dejan

2016-01-01

If the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector...

Some evidence on the relevance of bank behaviour for the lending channel in the Netherlands

NARCIS (Netherlands)

van Ees, H.; Sterken, E.; Garretsen, Harry

This paper studies the behaviour of Dutch banks. We test the adjustment of banks' balance sheets in times of monetary policy changes during the period 1957-1991. As a reaction to a policy change, banks basically have two alternatives to adjust their net money creation: (1) sell securities in public

The Roles of Corporate Governance in Bank Failures During the Recent Financial Crisis

DEFF Research Database (Denmark)

Berger, Allen N.; Imbierowicz, Björn; Rauch, Christian

2016-01-01

-CEO) higher-level management increase failure risk significantly. In contrast, shareholdings of banks’ CEOs do not have a direct impact on bank failure. These findings suggest that high stakes in the bank induce non-CEO managers to take high risks due to moral hazard incentives, which may result in bank...... failure. We identify tail risk in noninterest income as a primary risk-taking channel of lower-level managers....

PERLINDUNGAN HUKUM BAGI NASABAH TERHADAP KEAMANAN DATA PRIBADI NASABAH DALAM LAYANAN INTERNET BANKING

OpenAIRE

MEDITA, RILDAYANTI

2014-01-01

Protection of the law for customers against data on internet service banking, because in practice the internet service banking is one of delivery channels service banking related to the one hand, has given a lot of benefits, but at the other side of the risk that can cause a loss for customers. In connection with that, protection of customers for data on internet service banking is required in order to protect the rights of customers as consumer services sector. Research to know how that prot...

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

Perennial-streamflow characteristics related to channel geometry and sediment in Missouri River basin

Science.gov (United States)

Osterkamp, W.R.; Hedman, E.R.

1982-01-01

Geometry, channel-sediment, and discharge data were collected and compiled from 252 streamflow-gaging stations in the Missouri River basin. The sites represent the complete ranges of hydrologic and geologic conditions found in the basin. The data were analyzed by computer to yield equations relating various discharge characteristics to variables of channel geometry and bed and bank material. The equations provide discharge as the dependent variable for the purpose of making estimates of discharge characteristics at ungaged sites. Results show that channel width is best related to variables of discharge, but that reduction of standard errors can be achieved by considering channel-sediment properties, channel gradient, and discharge variability. The channel-material variables do not exert uniform effects on width-discharge relations and, therefore, are considered as sediment-data groups, or stream types, rather than as terms in multiple power-function equations. Relative to streamflow, narrowest channels occur when streams of steady discharge transport sufficient silt and clay to form stable, cohesive banks but have a small tractive load of sand and coarser sizes. Stable channels also are associated with high channel gradients, which cause high channel roughness and bed and bank armouring by coarse particle sizes. The widest, most unstable channels are found with streams that apparently transport of large tractive load of sand sizes. The downstream rates of change of width with discharge reflect these trends, suggesting that a given bed-material load necessitates a minimum width over which the tractive material can be moved. (USGS)

The dynamics of a channel-fed lava flow on Pico Partido volcano, Lanzarote

Science.gov (United States)

Woodcock, Duncan; Harris, Andrew

2006-09-01

A short length of channel on Pico Partido volcano, Lanzarote, provides us the opportunity to examine the dynamics of lava flowing in a channel that extends over a sudden break in slope. The 1 2-m-wide, 0.5 2-m-deep channel was built during the 1730 1736 eruptions on Lanzarote and exhibits a sinuous, well-formed channel over a steep (11° slope) 100-m-long proximal section. Over-flow units comprising smooth pahoehoe sheet flow, as well as evidence on the inner channel walls for multiple (at least 11) flow levels, attest to unsteady flow in the channel. In addition, superelevation is apparent at each of the six bends along the proximal channel section. Superelevation results from banking of the lava as it moves around the bend thus causing preferential construction of the outer bank. As a result, the channel profile at each bend is asymmetric with an outer bank that is higher than the inner bank. Analysis of superelevation indicates flow velocities of ~8 m s 1. Our analysis of the superelevation features is based on an inertia-gravity balance, which we show is appropriate, even though the down-channel flow is in laminar flow. We use a viscosity-gravity balance model, together with the velocities calculated from superelevation, to obtain viscosities in the range 25 60 Pa s (assuming that the lava behaved as a Newtonian liquid). Estimated volume fluxes are in the range 7 12 m3 s 1. An apparent down-flow increase in derived volume flux may have resulted from variable supply or bulking up of the flow due to vesiculation. Where the channel moves over a sharp break in slope and onto slopes of ~6°, the channel becomes less well defined and widens considerably. At the break of slope, an elongate ridge extends across the channel. We speculate that this ridge was formed as a result of a reduction in velocity immediately below the break of slope to allow deposition of entrained material or accretion of lava to the channel bed as a result of a change in flow regime or depth.

Tidal Power Potential in the Submerged Channels of Dar es

African Journals Online (AJOL)

on the tidal plateau, shallow water area on the sand banks and in the submerged channels, using self—recording .... in a Cartesian frame where iz is directed towards the vertical, ix points ..... Bongoyo, there is a 15 m deep channel that passes.

Credit channels in Europe: a cross-country investigation

Directory of Open Access Journals (Sweden)

G.J. DE BONDT

1999-09-01

Full Text Available The work provides an economic analysis of the monetary transmission mechanism in Europe. The author reviews the literature on the money and credit view before describing cross-country differences in credit channel indicators and examining the existence of credit channels by distinguishing between households and firms. The relative importance of a bank lending and balance sheet channel is discussed by assessing impulse response functions from a vector error correction model.

HF band filter bank multi-carrier spread spectrum

Energy Technology Data Exchange (ETDEWEB)

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

2015-10-01

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

Banking on industry: the impact of financial services on regional industrial structure and development

NARCIS (Netherlands)

Bos, Jaap W.B.; Degl'Innocenti, Marta

2017-01-01

We investigate the extent to which local banking market characteristics can explain where small enterprises (SEs) are located and how they thrive. We start from a simple theory that explains the channels along which local banking market structure can affect the growth of SEs. Subsequently, we make

The Roles of Corporate Governance in Bank Failures During the Recent Financial Crisis

DEFF Research Database (Denmark)

Berger, Allen N.; Imbierowicz, Björn; Rauch, Christian

2016-01-01

We analyze the roles of bank ownership, management, and compensation structures in bank failures during the recent financial crisis. Our results suggest that failures are strongly influenced by ownership structure: high shareholdings of lower-level management and non-chief executive officer (non......-CEO) higher-level management increase failure risk significantly. In contrast, shareholdings of banks’ CEOs do not have a direct impact on bank failure. These findings suggest that high stakes in the bank induce non-CEO managers to take high risks due to moral hazard incentives, which may result in bank...... failure. We identify tail risk in noninterest income as a primary risk-taking channel of lower-level managers....

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

KAUST Repository

Chen, Rui

2018-03-19

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

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

KAUST Repository

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

2018-01-01

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

Mediterranean banks in EBSA area: Hotspots of biodiversity under threat.

Science.gov (United States)

Altobelli, Chiara; Perzia, Patrizia; Falautano, Manuela; Consoli, Pierpaolo; Canese, Simonepietro; Romeo, Teresa; Andaloro, Franco

2017-10-01

This study demonstrates that, in the Central Mediterranean Sea, the Graham, Nereo and Pantelleria Vecchia Banks of the Strait of Sicily represent, in the wide and diversified 'Sicily Channel' Ecological or Biological Significant Area, unknown hot spots of biodiversity threatened by human activities. The investigated banks show an high ecological and biological value (EBV), assessed through presence/absence of specific indicators. The ecological groups of Graham Bank show the maximum EBV; the same as Nereo and Pantelleria Vecchia, except for the benthic component. All three banks are highly threatened, mainly the benthic and benthopelagic ecological groups. However, these Banks still have wide pristine areas to protect and can be considered eligible sites for the imposition of area-based management measures of conservation. This study represent also a support for decision makers involved in protection of the Mediterranean open sea areas, to pinpoint other priority conservation banks. Copyright © 2017 Elsevier Ltd. All rights reserved.

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.

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

Directory of Open Access Journals (Sweden)

B. Kuldeep

2015-06-01

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

Flow behaviour, suspended sediment transport and transmission losses in a small (sub-bank-full) flow event in an Australian desert stream

Science.gov (United States)

Dunkerley, David; Brown, Kate

1999-08-01

The behaviour of a discrete sub-bank-full flow event in a small desert stream in western NSW, Australia, is analysed from direct observation and sediment sampling during the flow event and from later channel surveys. The flow event, the result of an isolated afternoon thunderstorm, had a peak discharge of 9 m3/s at an upstream station. Transmission loss totally consumed the flow over the following 7·6 km. Suspended sediment concentration was highest at the flow front (not the discharge peak) and declined linearly with the log of time since passage of the flow front, regardless of discharge variation. The transmission loss responsible for the waning and eventual cessation of flow occurred at a mean rate of 13.2% per km. This is quite rapid, and is more than twice the corresponding figure for bank-full flows estimated by Dunkerley (1992) on the same stream system. It is proposed that transmission losses in ephemeral streams of the kind studied may be minimized in flows near bank-full stage, and be higher in both sub-bank-full and overbank flows. Factors contributing to enhanced flow loss in the sub-bank-full flow studied included abstractions of flow to pools, scour holes and other low points along the channel, and overflow abstractions into channel filaments that did not rejoin the main flow. On the other hand, losses were curtailed by the shallow depth of banks wetted and by extensive mud drapes that were set down over sand bars and other porous channel materials during the flow. Thus, in contrast with the relatively regular pattern of transmission loss inferred from large floods, losses from low flows exhibit marked spatial variability and depend to a considerable extent on streamwise variations in channel geometry, in addition to the depth and porosity of channel perimeter sediments.

Plasma channel and Z-pinch dynamics for heavy ion transport

Energy Technology Data Exchange (ETDEWEB)

Ponce-Marquez, David [Univ. of California, Berkeley, CA (United States)

2002-01-01

A self stabilized, free standing, z-pinch plasma channel has been proposed to deliver the high intensity heavy ion beam from the end of a driver to the fuel target in a heavy ion inertial fusion power plant. The z-pinch relaxes emittance and energy spread requirements requiring a lower cost driver. A z-pinch transport would reduce the number of beam entry port holes to the target chamber from over a hundred to four as compared to neutralized ballistic focusing thus reducing the driver hardware exposure to neutron flux. Experiments where a double pulse discharge technique is used, z-pinch plasma channels with enhanced stability are achieved. Typical parameters are 7 kV pre-pulse discharge and 30 kV main bank discharge with 50 kA of channel current in a 7 torr background gas atmosphere. This work is an experimental study of these plasma channels examining the relevant physics necessary to understand and model such plasmas. Laser diagnostics measured the dynamical properties of neutrals and plasma. Schlieren and phase contrast techniques probe the pre-pulse gas dynamics and infrared interferometry and faraday effect polarimetry are used on the z-pinch to study its electron density and current distribution. Stability and repeatability of the z-pinch depend on the initial conditions set by the pre-pulse. Results show that the z-pinch channel is wall stabilized by an on-axis gas density depression created by the pre-pulse through hydrodynamic expansion where the ratio of the initial gas density to the final gas density is > 10/1. The low on-axis density favors avalanching along the desired path for the main bank discharge. Pinch time is around 2 s from the main bank discharge initiation with a FWHM of ~ 2 cm. Results also show that typical main bank discharge plasma densities reach 10¹⁷ cm^-3 peak on axis for a 30 kV, 7 torr gas nitrogen discharge. Current rise time is limited by the circuit-channel inductance with the highest contribution to the

In vivo analgesic activity, toxicity and phytochemical screening of the hydroalcoholic extract from the leaves of Psidium cattleianum Sabine.

Science.gov (United States)

Alvarenga, Felipe Queiroz; Mota, Bárbara C F; Leite, Marcel N; Fonseca, Jaciara M S; Oliveira, Dario A; Royo, Vanessa de Andrade; e Silva, Márcio L A; Esperandim, Viviane; Borges, Alexandre; Laurentiz, Rosangela S

2013-10-28

Psidium cattleianum Sabine is extensively used in Brazilian traditional medicine to treat several diseases including painful disorders. Aim of the study to investigate the toxicity and the possible analgesic activities of the hydroalcoholic extract from the leaves of Psidium cattleianum Sabine (ELPCS), to support its use in folk medicine. To screen the major phytochemical constituents of this extract and evaluate their antioxidant activity. ELPCS was assessed for its antioxidant activity using the DPPH model. Its analgesic activity was examined using mouse models of acetic acid-induced writhing and hot plate paw licking models. The major phytochemical constituents of the extract were screened; their toxicity on LLC-MK2 mammalian cells was evaluated. ELPCS exhibited significant peripheral analgesic activity at doses of 60, 80, 100, 200 and 400mg/kg in mice, but it did not display central analgesic activity and not was toxic to LLC-MK2 cell (LD50>400 µg/mL). The extract exhibited free radical scavenging activity as evidenced by IC50 values (15.9 µg/mL) obtained by the DPPH method. Phytochemical screening detected flavonoids, saponins, cardiac glycosides, anthraquinones, and tannins. The results of the experimental studies proved the analgesic activity of ELPCS and supported the traditional use of this plant. © 2013 Elsevier Ireland Ltd. All rights reserved.

LES Modeling with Experimental Validation of a Compound Channel having Converging Floodplain

Science.gov (United States)

Mohanta, Abinash; Patra, K. C.

2018-04-01

Computational fluid dynamics (CFD) is often used to predict flow structures in developing areas of a flow field for the determination of velocity field, pressure, shear stresses, effect of turbulence and others. A two phase three-dimensional CFD model along with the large eddy simulation (LES) model is used to solve the turbulence equation. This study aims to validate CFD simulations of free surface flow or open channel flow by using volume of fluid method by comparing the data observed in hydraulics laboratory of the National Institute of Technology, Rourkela. The finite volume method with a dynamic sub grid scale was carried out for a constant aspect ratio and convergence condition. The results show that the secondary flow and centrifugal force influence flow pattern and show good agreement with experimental data. Within this paper over-bank flows have been numerically simulated using LES in order to predict accurate open channel flow behavior. The LES results are shown to accurately predict the flow features, specifically the distribution of secondary circulations both for in-bank channels as well as over-bank channels at varying depth and width ratios in symmetrically converging flood plain compound sections.

Long-term morphological developments of river channels separated by a longitudinal training wall

NARCIS (Netherlands)

Le, T.B.; Crosato, A.; Uijttewaal, W.S.J.

2018-01-01

Rivers have been trained for centuries by channel narrowing and straightening. This caused important damages to their ecosystems, particularly around the bank areas. We analyse here the possibility to train rivers in a new way by subdividing their channel in main and ecological channel with a

Schlieren, Phase-Contrast, and Spectroscopy Diagnostics for the LBNL HIF Plasma Channel Experiment

Science.gov (United States)

Ponce, D. M.; Niemann, C.; Fessenden, T. J.; Leemans, W.; Vandersloot, K.; Dahlbacka, G.; Yu, S. S.; Sharp, W. M.; Tauschwitz, A.

1999-11-01

The LBNL Plasma Channel experiment has demonstrated stable 42-cm Z-pinch discharge plasma channels with peak currents in excess of 50 kA for a 7 torr nitrogen, 30 kV discharge. These channels offer the possibility of transporting heavy-ion beams for inertial fusion. We postulate that the stability of these channels resides in the existance of a neutral-gas density depresion created by a pre-pulse discharge before the main capacitor bank discharge is created. Here, we present the results and experimental diagnostics setup used for the study of the pre-pulse and main bank channels. Observation of both the plasma and neutral gas dynamics is achieved. Schlieren, Zernike's phase-contrast, and spectroscopic techniques are used. Preliminary Schlieren results show a gas shockwave moving radially at a rate of ≈ 10^6 mm/sec as a result of the fast and localized deposited energy during the evolution of the pre-pulse channel. This data will be used to validate simulation codes (BUCKY and CYCLOPS).

Connaissance indigène des procédés de production du beurre de Pentadesma butyracea Sabine au Bénin

Directory of Open Access Journals (Sweden)

Aïssi, MV.

2015-01-01

Full Text Available Indigenous Knowledge on Production Processes of Pentadesma butyracea Sabine Butter in Benin. Pentadesma butyracea Sabine is a tree that produces fruits containing oleaginous seeds from which butter, similar to shea butter, is extracted. This butter, so far insufficiently known, is obtained traditionally by a poorly documented process. Based on a technological investigation in the rural area and a factorial correspondences analysis (FCA, this study contributes to a better knowledge of the traditional technology of the P. butyracea butter production in Benin. P. butyracea butter is extracted by twelve main successive unit operations. The transformers involved in the butter production belong to eight different ethnic groups. Two types of thermal pretreatments, namely cooking with water and roasting in a traditional furnace are applied to P. butyracea seeds. The influence of the ethnic group was reported, especially on the type of the thermal pretreatment applied to the seeds as well as the various unit operations of transformation implemented from fruit picking up to obtaining butter. This better knowledge will allow improving the traditional processes of the P. butyracea butter production in rural environment.

TV MEDIA ANALYSIS FOR BANKING CATEGORY (2012

Directory of Open Access Journals (Sweden)

Alexandra Elena POȘTOACĂ

2014-04-01

Full Text Available This article represents a short overview of the media landscape for the banking category in Romania in 2012. Unlike the other categories (for example FMCG – fast moving consumer goods, the banking category is more complex because every bank can communicate for a wider range of products (credits, deposits, packages dedicated to students, pensioners and other types of banking products. In the first part of this paper, there will be presented some theoretical notions about media planning and media analyses in order for the lecturer to easily go through the second part of the article. The second part of the paper will only refer to TV analyses. This media channel owns the highest budget share in our category, and also in the media mix of every important player, active in the Romanian market. The analyses will show which bank communicated most effectively, which is the most important spender on TV, what banking products had the largest budget allocated, which is the pattern for this category when it comes to allocating audience points for each day interval and so on. The starting point of this analyses is based on the secondary data obtained from InfoSys+ which is the world’s leading TV analyses software, used in more than 29 countries by 8000+ users.

Roughness coefficients for stream channels in Arizona

Science.gov (United States)

Aldridge, B.N.; Garrett, J.M.

1973-01-01

When water flows in an open channel, energy is lost through friction along the banks and bed of the channel and through turbulence within the channel. The amount of energy lost is governed by channel roughness, which is expressed in terms of a roughness coefficient. An evaluation of the roughness coefficient is necessary in many hydraulic computations that involve flow in an open channel. Owing to the lack of satisfactory quantitative procedure, the ability of evaluate roughness coefficients can be developed only through experience; however, a basic knowledge of the methods used to assign the coefficients and the factors affecting them will be a great help. One of the most commonly used equations in open-channel hydraulics is that of Manning. The Manning equation is       1.486

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

Atividade Antinociceptiva e Antimicrobiana da Casca do Caule de Psidium Cattleyanum Sabine

Directory of Open Access Journals (Sweden)

F.Q. ALVARENDA

2015-01-01

Full Text Available RESUMO Psidium cattleyanum Sabine, conhecida como “araçá”, é espécie nativa do Bioma Cerrado brasileiro comumente utilizado, segundo levantamento etnobotânico, como planta medicinal para tratar várias doenças tais como: patologias hepáticas, gástricas, lesões teciduais incluindo processos dolorosos. O objetivo deste trabalho foi realizar a triagem fitoquímica com propósito exploratório, investigar a atividade analgésica e antimicrobiana do extrato hidroalcoólico da casca do caule de Psidium cattleyanum Sabine (ECPCS para apoiar o uso dessa espécie como planta medicinal. Para isso, foram obtidos extratos e frações com solventes orgânicos de polaridade crescente (hexano, diclorometano, acetato de etila e isobutanol avaliando-se o perfil fitoquímico para determinar as principais classes de metabólitos secundários presentes na espécie. Investigou-se a atividade analgésica pelo teste de contorções abdominais em camundongos induzidas pelo ácido acético (0,6%. A Concentração Inibitória Mínina (CIM e Concentração Bactericida Mínima (CBM foram avaliadas através da técnica de microdiluição em caldo contra micro-organismos da microbiota oral. A triagem fitoquímica identificou a presença de taninos, saponinas, flavonoides e terpenos e/ou esteroides. O ECPCS exibiu atividade analgésica periférica nas doses de 200 e 400 mg/kg. O EAC (extrato acetato de casca o EDC (extrato diclorometânico de casca desempenharam melhor ação inibitória sobre o crescimento bacteriano de Estafilococos oralis com CIM 100 e 150 respectivamente. O ECPCS desempenhou ação inibitória sobre o crescimento bacteriano. Os resultados dos estudos experimentais comprovaram a presença de compostos secundários tais como, taninos e flavonoides, o que, provavelmente, pode ser associado à atividade analgésica e ao efeito inibitório sobre os micro-organismos testados com o ECPCS, o que justifica o uso medicinal planta.

Conveyance estimation in channels with emergent bank vegetation

African Journals Online (AJOL)

2009-03-20

Mar 20, 2009 ... tion of the transverse distribution of the depth-averaged velocity. Recommendations ... resistance coefficient, and the coefficient for the vegetation interface. ... on the channel hydraulics, including the turbulence structure. (e.g. Choi .... characteristics within the zone as well as the flow conditions in the clear ...

Dynamic channel adjustments in the Jingjiang Reach of the Middle Yangtze River

Science.gov (United States)

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

2016-03-01

Significant channel adjustments have occurred in the Jingjiang Reach of the Middle Yangtze River, because of the operation of the Three Gorges Project (TGP). The Jingjiang Reach is selected as the study area, covering the Upper Jingjiang Reach (UJR) and Lower Jingjiang Reach (LJR). The reach-scale bankfull channel dimensions in the study reach were calculated annually from 2002 to 2013 by means of a reach-averaged approach and surveyed post-flood profiles at 171 sections. We find from the calculated results that: the reach-scale bankfull widths changed slightly in the UJR and LJR, with the corresponding depths increasing by 1.6 m and 1.0 m the channel adjustments occurred mainly with respect to bankfull depth because of the construction of large-scale bank revetment works, although there were significant bank erosion processes in local regions without the bank protection engineering. The reach-scale bankfull dimensions in the UJR and LJR generally responded to the previous five-year average fluvial erosion intensity during flood seasons, with higher correlations being obtained for the depth and cross-sectional area. It is concluded that these dynamic adjustments of the channel geometry are a direct result of recent human activities such as the TGP operation.

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

Influences of the separation distance, ship speed and channel dimension on ship maneuverability in a confined waterway

Science.gov (United States)

Du, Peng; Ouahsine, Abdellatif; Sergent, Philippe

2018-05-01

Ship maneuvering in the confined inland waterway is investigated using the system-based method, where a nonlinear transient hydrodynamic model is adopted and confinement models are implemented to account for the influence of the channel bank and bottom. The maneuvering model is validated using the turning circle test, and the confinement model is validated using the experimental data. The separation distance, ship speed, and channel width are then varied to investigate their influences on ship maneuverability. With smaller separation distances and higher speeds near the bank, the ship's trajectory deviates more from the original course and the bow is repelled with a larger yaw angle, which increase the difficulty of maneuvering. Smaller channel widths induce higher advancing resistances on the ship. The minimum distance to the bank are extracted and studied. It is suggested to navigate the ship in the middle of the channel and with a reasonable speed in the restricted waterway.

On luminescence bleaching of tidal channel sediments

DEFF Research Database (Denmark)

Fruergaard, Mikkel; Pejrup, Morten; Murray, Andrew S.

2015-01-01

We investigate the processes responsible for bleaching of the quartz OSL signal from tidal channel sediment. Tidal dynamics are expected to play an important role for complete bleaching of tidal sediments. However, no studies have examined the amount of reworking occurring in tidal channels...... and on tidal flats due to the mixing caused by currents and waves. We apply bed level data to evaluate the amount of vertical sediment reworking in modern tidal channels and at a tidal flat. Cycles of deposition and erosion are measured with a bed level sensor, and the results show that gross sedimentation...... was several times higher than net sedimentation. We propose that tidal channel sediment is bleached either on the tidal flat before it is transported to the tidal channels and incorporated in channel-fill successions or, alternatively, on the shallow intertidal part of the channel banks. Based...

Bank gully extraction from DEMs utilizing the geomorphologic features of a loess hilly area in China

Science.gov (United States)

Yang, Xin; Na, Jiaming; Tang, Guoan; Wang, Tingting; Zhu, Axing

2018-04-01

As one of most active gully types in the Chinese Loess Plateau, bank gullies generally indicate soil loss and land degradation. This study addressed the lack of detailed, large scale monitoring of bank gullies and proposed a semi-automatic method for extracting bank gullies, given typical topographic features based on 5 m resolution DEMs. First, channel networks, including bank gullies, are extracted through an iterative channel burn-in algorithm. Second, gully heads are correctly positioned based on the spatial relationship between gully heads and their corresponding gully shoulder lines. Third, bank gullies are distinguished from other gullies using the newly proposed topographic measurement of "relative gully depth (RGD)." The experimental results from the loess hilly area of the Linjiajian watershed in the Chinese Loess Plateau show that the producer accuracy reaches 87.5%. The accuracy is affected by the DEM resolution and RGD parameters, as well as the accuracy of the gully shoulder line. The application in the Madigou watershed with a high DEM resolution validated the duplicability of this method in other areas. The overall performance shows that bank gullies can be extracted with acceptable accuracy over a large area, which provides essential information for research on soil erosion, geomorphology, and environmental ecology.

Governance of the impact of price satisfaction dimensions on mobile banking adoption

Directory of Open Access Journals (Sweden)

Pinigas Mbengo

2017-12-01

Full Text Available The Reserve Bank of Zimbabwe has encouraged the use of mobile banking services in a bid to promote financial inclusion and as an additive banking channel to compliment traditional banking model. The mobile phones have phenomenally changed the way the Zimbabwean banking industry is conducting business. The major purpose of this study is to critically examine the impact of influence of price satisfaction dimensions on behavioural intention to adopt mobile banking. The study used a descriptor-explanatory design whereby descriptive design was a precursor to explanation. Data was collected using a questionnaire and analysed using the Statistical Package for Social Sciences (SPSS. Findings show that relative prices had the strongest positive influence on behavioural intention to adopt mobile banking. However, price confidence did not indicate any significant relationship with dependent behavioural intention and the hypothesis so associated was therefore not supported. Price fairness and price transparency had negative significant relationships with the dependent variable behavioural intention to adopt mobile banking. Given these findings, the researchers made recommendations to various stakeholders in the banking industry. This study is important because it highlights the dimensions that are powerful predictors in attracting new customers in the mobile baking industry.

The Mock-up of the "Ratto Delle Sabine" by Giambologna: Making and Utilization of a 3D Model

Directory of Open Access Journals (Sweden)

Grazia Tucci

2015-02-01

Full Text Available Within a project for the knowledge and preservation of the mock-up of Giambologna's Ratto delle Sabine housed in the Galleria dell'Accademia in Florence, the GeCO laboratory has made laser scanner acquisitions to create surface models at different resolutions for structural analysis, on which to check the coverage of the photographic campaign and to create a three-dimensional thematic mapping of data relating to investigations and restoration works. The PDF3D file format has been used to easily manage data on a platform immediately available to all operators.

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...

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

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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.

RECEPTIVENESS OF INTERNET BANKING BY MALAYSIAN CONSUMERS: THE CASE OF PENANG

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T. Ramayah

2003-01-01

Full Text Available This is a study about Internet banking acceptance in Malaysia. Due to the impending liberalization, Malaysian banks are desperately embracing this new distribution channel to prepare themselves for the competition which is looming in the near future. Although the awareness level is high, this has not translated into actual use as only 23% have had some Internet banking experience. Security, availability of infrastructure and complexity of technology were main concerns reported by the respondents which is hindering the migration from traditional banking to Internet banking. In terms of external variables only prior experience and external pressure has been found to influence the intention to use. Perceived ease of use and perceived usefulness has been found to be significantly related to intention and perceived usefulness has been found to be a better predictor of intention to use compared to ease of use. In short it can be concluded that perceived usefulness is the driver of the intention to use Internet banking. The implications of this research is further explored.

Improving the Security of Internet Banking Applications by Using Multimodal Biometrics

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Cătălin Lupu

2015-03-01

Full Text Available Online banking applications are used by more and more people all over the world. Most of the banks are providing these services to their customers. The authentication methods varies from the basic user and password to username and a onetime password (OTP generated by a virtual or a physical digipass. The common thing among authentication methods is that the login wepage is provided through a secure channel. Some banks have introduced (especially for testing purposes the authentication using common biometric characteristics, like fingerprint, voice or keystroke recognition. This paper will present some of the most common online banking authentication methods, together with basic biometric characteristics that could be used in these applications. The security in internet banking applications can be improved by using biometrics for the authentication process. Also, the authors have developed an application for authentication of users using fingerprint as the main characteristic, which will be presented at the end of this paper.

Channel planform evolution: Spatial and temporal aspect

Science.gov (United States)

Rusnák, M.; Frandofer, M.; Lehotský, M.

2012-04-01

The recent period is characterized by impacts of climate change. Increasing magnitude and frequency of flood events results in morphological and morphodynamical changes of river channels. It is a challenge for the fluvial geomorphology to highlight the morphological response to these events, because the knowledge of the morphological-sedimentological attributes of the river channel is the first step in pursue of a comprehensive knowledge of the riverine landscape and impact on its sustainable management. Research of the spatial variability of landforms and the regime of processes creates an appropriate knowledge base for other sciences interested in the riverine as well as terrestrial systems. The contribution deals with the morphological changes of the channel pattern of the River Topľa (115 km in total length, 1506 km2 of catchment area, average annual discharge 8.08 m3.s-1 in mouth). The 72.5 km long segment has been studied (Strahler ord. 4-7). It represents a transient from the mountain cobble-bed to the basin fine gravel-bed river. The Topľa is a less regulated and laterally partly confined river in northeastern Slovakia, with flysch geology. Three time horizons of the remote sensing imagery (1987, 2002 and 2009) have been analyzed using the GIS, with the reference time horizon of 1987. The analysis consists of identification and delimitation of an active channel bank line and the delimitation of the channel bars in the mentioned series of imageries. The active channel width, area of channel bars, lateral channel shift and area stricken by bank erosion were studied via overlaying layers. The last attribute showed a significant increase: during the 1987-2002 period the area of 32.6 ha was eroded, whereas during the following period (2002-2009) of frequent and intensive floods up to 70.0 ha was eroded. Likewise, the maximum channel shift was 260 m and 443 m in 1987-2002 and in 2002-2009 respectively. The key results are not only the values of these parameters

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

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...

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...

CUSTOMER SATISFACTION REGARDING BANK’S DISTRIBUTION CHANNELS – THE ATM NETWORK

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Zaharie Monica Maria

2010-07-01

Full Text Available In addition to traditional distribution methods (network of territorial units, to better meet market requirements in terms of speed and efficiency of services, banks have developed interactive electronic and computerized systems for clients: banking services via telephone, internet banking, network of automatic teller machines (ATMs, Electronic Funds Transfer at point of sale (EFTPOS. Automatic Teller Machines have become in recent years one of the common instruments through which banks offer the possibility of conducting routine operations such as: cash withdrawals, bill payments, transfer between accounts. This article presents the results obtained following a research that focused on determining the customers’ degree of satisfaction with the distribution channels used by a Top Five Romanian Bank, in particular the ATMs distribution network.

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

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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

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.

Streambed adjustment and channel widening in eastern Nebraska

Science.gov (United States)

Rus, David L.; Dietsch, Benjamin J.; Simon, Andrew

2003-01-01

In eastern Nebraska, stream straightening and dredging efforts since the 1890s have disturbed the natural equilibrium of stream channels and have led to streambed adjustment by degradation and subsequent channel widening. This report describes a study to evaluate the effect these disturbances have had on stream channels in eastern Nebraska. Two sets of survey data were collected approximately 2 years apart during 1996-99 at 151 primary sites. Additionally, historical streambed-elevation data (dating back to the 1890s) were compiled from several sources for the primary sites and 45 supplemental sites, and relevant disturbances were identified for each of eight basin groupings. Streambed-elevation data sets were used to estimate the amount of change to the streambed at the sites over the time period of the data. Recent channel widening was documented for 73 of the primary sites by comparing the two survey sets. The majority of observed streambed-gradation responses appear to be related to the various straightening efforts and to the effects of grade-control structures in the study area. Channel responses were complicated by the presence of multiple disturbances. However, in many cases, the streambed-elevation data sets provide a reliable representation of the past streambed gradation, with some sites showing 6 to 7 meters of degradation since they were straightened. Many sites that had been straightened showed considerable degradation following the disturbance. This indicates that eastern Nebraska stream channels can regain equilibrium mainly through the slope adjustment process of head-ward-progressing degradation. Bank failures were documented at sites in all eight of the basin groupings analyzed, and widening rates were computed at 64 of 73 sites. Observed bank widening in the Big Blue River Basin, a relatively unstraightened basin, indicates that other disturbances besides stream-channel straightening may be causing channel responses in the basin and possibly in

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

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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

Using GPS, tide gauge and altimetry data to constrain subduction parameters at the Vanuatu plate boundary.

Science.gov (United States)

Ballu, V.; Bouin, M.; Baillard, C.; Calmant, S.; Pelletier, B.; Crawford, W. C.; Kanas, T.; Garaebiti, E.

2012-12-01

two offshore sites using absolute pressure gauges. The sites - Wusi and Sabine Banks - are installed beneath altimetry satellite tracks, Wusi Bank on the over-riding plate and Sabine Bank on the subducting plate. The difference in the pressure records between the sites shows that Wusi Bank subsides by 11 +/- 3 mm/yr with respect to Sabine Bank. We combined the water depths derived from the pressure measurements with altimetry-derived sea-surface heights to tie these heights to a global reference frame: Wusi Bank subsides and Sabine Bank's vertical motion is near zero. Using a 2D elastic model and a finite-element code, we used the gradient of vertical deformation between the coast and the Wusi Bank site to discriminate between possible locked zone geometries. The best simple approximation is a 25° dipping, 30 km long fully locked zone, indicating that stress is currently accumulating west of Santo, Central Vanuatu. The movement of Wusi Bank is a key factor in constraining the dip and length of the locked zone, demonstrating the importance of offshore geodesy measurements.

Comparative study of the volatile oil content and antimicrobial activity of Psidium guajava L. and Psidium cattleianum Sabine leaves

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Fathy M. Soliman

2016-12-01

Full Text Available The chemical composition of the hydrodistilled oils of the leaves of Psidium guajava L. (guava leaf and Psidium cattleianum Sabine (strawberry guava was determined by GC/MS analysis to identify their chemotypes. Moreover, in vitro antimicrobial activity of these volatile oils against selected bacteria, yeast, and mycelia fungi was studied. The yield of the volatile oil hydrodistilled from the leaves of P. guajava L. and P. cattleianum Sabine was 1.6 and 2.69 g/kg on fresh weight basis, respectively. Limonene was the major identified hydrocarbon in P. guava leaves’ oil (54.70%, whereas, 1, 8-cineole was the major identified oxygenated monoterpenoid (32.14% in common guava leaves. The foliar oil of P. cattleianum was predominated by the sesquiterpene hydrocarbon; β-caryophyllene representing 28.83% of the total oil make-up. The antibacterial activity of guava leaf oil was more pronounced against Bacillus subtilis, Staphylococcus aureus, Streptococcus faecalis, Escherichia coli, and Pseudomonas aeruginosa than that of strawberry guava leaves, while P. cattleianum showed a higher activity against ess. The MIC of the volatile oil of the leaves of P. guajava against S. aureus was 6.75 μg/ml, while that of P. cattleianum exhibited MIC value of 13.01 μg/ml against Neisseria gonorrhoeae. Results demonstrated that the volatile oil of both Psidium species showed different chemotypes. Moreover, the volatile oils of guava and strawberry guava leaves might be good candidates as antimicrobial agents.

[The role of Sabin inactivated poliovirus vaccine in the final phase of global polio eradication].

Science.gov (United States)

Dong, S Z; Zhu, W B

2016-12-06

Global polio eradication has entered its final phase, but still faces enormous challenges. The Polio Eradication and Endgame Strategic Plan (2013-2018) set the target for making the world polio-free by 2018. Meanwhile, the World Heath Organization Global Action Plan (GAP Ⅲ) recommended that polioviruses be stored under strict conditions after eradication of the wild poliovirus. At least one dose of inactivated poliovirus vaccine (IPV) would be required for each newborn baby in the world to ensure successful completion of the final strategy and GAP Ⅲ. The Sabin IPV has a high production safety and low production cost, compared with the wild-virus IPV and, therefore, can play an important role in the final stage of global polio eradication.

Perceived Attributes of Factors Influencing Consumers’ Engagement with Electronic Banking

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Taiwo Adewale Muritala

2012-08-01

Full Text Available This study intends to critically analyze the relationship between perceived attributes as factors and consumers’ engagement with electronic banking technology. A survey method was used to gather data from 200 secondary school teachers from five selected local government in South-Western part of Nigeria namely; Ibadan North, Egbeda, Ido, Ibadan North-East and Ibadan North-West Local government. Data was collected with a structured questionnaire and analyzed with several descriptive statistics to identify consumers’ engagement in electronic banking technology in Nigeria. The results of the study therefore reveals that the most common influential factors hindering consumers’ adoption of electronic banking in Nigeria are relative advantage of economic gains and non-economic gains, social character, communication behavior, trialability as well as observability. Hence, it therefore recommends that the banks should create channels through which customers’ awareness will be enhanced and employ IT trained personnel to monitor and report any fraudulent transaction in order to secure customers’ trust on safety risk/security.

Workforce Optimization for Bank Operation Centers: A Machine Learning Approach

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Sefik Ilkin Serengil

2017-12-01

Full Text Available Online Banking Systems evolved and improved in recent years with the use of mobile and online technologies, performing money transfer transactions on these channels can be done without delay and human interaction, however commercial customers still tend to transfer money on bank branches due to several concerns. Bank Operation Centers serve to reduce the operational workload of branches. Centralized management also offers personalized service by appointed expert employees in these centers. Inherently, workload volume of money transfer transactions changes dramatically in hours. Therefore, work-force should be planned instantly or early to save labor force and increase operational efficiency. This paper introduces a hybrid multi stage approach for workforce planning in bank operation centers by the application of supervised and unsu-pervised learning algorithms. Expected workload would be predicted as supervised learning whereas employees are clus-tered into different skill groups as unsupervised learning to match transactions and proper employees. Finally, workforce optimization is analyzed for proposed approach on production data.

Active RC filter based implementation analysis part of two channel hybrid filter bank

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Stojanović Vidosav

2014-01-01

Full Text Available In the present paper, a new design method for continuous-time powersymmetric active RC filters for Hybrid Filter Bank (HFB is proposed. Some theoretical properties of continious-time power-symmetric filters bank in a more general perspective are studied. This includes the derivation of a new general analytical form, and a study of poles and zeros locations in s-plane. In the proposed design method the analytic solution of filter coefficients is solved in sdomain using only one nonlinear equation Finally, the proposed approximation is compared to standard approximations. It was shown that attenuation and group delay characteristic of the proposed filter lie between Butterworth and elliptic characteristics. [Projekat Ministarstva nauke Republike Srbije, br. 32009TR

Digital disruption of the banking industry: Threat or opportunity?

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Krstić Nataša

2016-01-01

Full Text Available If the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector analyses are showing that future profits will be redirected towards those financial organizations which successfully deploy digital technologies for process automation and as analytical tools, create new services and values for their clients who want their bank to be accessible at all places and all times, and which transform their organizational culture to an agile and innovation-oriented one. Successful banking strategies will be based on understanding how digital business transformation can create new value - on market changes brought by fin-tech innovators, on comprehensive understanding of customer habits and expectations, and setting up investments into digital business as the key priority.

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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Yuliya Onyshchenko

2015-11-01

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

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

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

Field Investigation of Flow Structure and Channel Morphology at Confluent-Meander Bends

Science.gov (United States)

Riley, J. D.; Rhoads, B. L.

2007-12-01

The movement of water and sediment through drainage networks is inevitably influenced by the convergence of streams and rivers at channel confluences. These focal components of fluvial systems produce a complex hydrodynamic environment, where rapid changes in flow structure and sediment transport occur to accommodate the merging of separate channel flows. The inherent geometric and hydraulic change at confluences also initiates the development of distinct geomorphic features, reflected in the bedform and shape of the channel. An underlying assumption of previous experimental and theoretical models of confluence dynamics has been that converging streams have straight channels with angular configurations. This generalized conceptualization was necessary to establish confluence planform as symmetrical or asymmetrical and to describe subsequent flow structure and geomorphic features at confluences. However, natural channels, particularly those of meandering rivers, curve and bend. This property and observation of channel curvature at natural junctions have led to the hypothesis that natural stream and river confluences tend to occur on the concave outer bank of meander bends. The resulting confluence planform, referred to as a confluent-meander bend, was observed over a century ago but has received little scientific attention. This paper examines preliminary data on three-dimensional flow structure and channel morphology at two natural confluent-meander bends of varying size and with differing tributary entrance locations. The large river confluence of the Vermilion River and Wabash River in west central Indiana and the comparatively small junction of the Little Wabash River and Big Muddy Creek in southeastern Illinois are the location of study sites for field investigation. Measurements of time-averaged three-dimensional velocity components were obtained at these confluences with an acoustic Doppler current profiler for flow events with differing momentum ratios. Bed

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.

Interactions between Point Bar Growth and Bank Erosion on a Low Sinuosity Meander Bend in an Ephemeral Channel: Insights from Repeat Topographic Surveys and Numerical Modeling

Science.gov (United States)

Ursic, M.; Langendoen, E. J.

2017-12-01

Interactions between point bar growth, bank migration, and hydraulics on meandering rivers are complicated and not well understood. For ephemeral streams, rapid fluctuations in flow further complicate studying and understanding these interactions. This study seeks to answer the following `cause-and-effect' question: Does point bar morphologic adjustment determine where bank erosion occurs (for example, through topographic steering of the flow), or does local bank retreat determine where accretion/erosion occurs on the point bar, or do bank erosion and point bar morphologic adjustment co-evolve? Further, is there a response time between the `cause-and-effect' processes and what variables determine its magnitude and duration? In an effort to answer these questions for an ephemeral stream, a dataset of forty-eight repeat topographic surveys over a ten-year period (1996-2006) of a low sinuosity bend within the Goodwin Creek Experimental Watershed, located near Batesville, MS, were utilized in conjunction with continuous discharge measurements to correlate flow variability and erosional and depositional zones, spatially and temporally. Hydraulically, the bend is located immediately downstream of a confluence with a major tributary. Supercritical flumes on both the primary and tributary channels just upstream of the confluence provide continuous measured discharges to the bend over the survey period. In addition, water surface elevations were continuously measured at the upstream and downstream ends of the bend. No spatial correlation trends could be discerned between reach-scale bank retreat, point bar morphologic adjustment, and flow discharge. Because detailed flow patterns were not available, the two-dimensional computer model Telemac2D was used to provide these details. The model was calibrated and validated for a set of runoff events for which more detailed flow data were available. Telemac2D simulations were created for each topographic survey period. Flows

Iris Wigger and Sabine Ritter, editors. Racism and Modernity. Festschrift for Wulf D. Hund

Directory of Open Access Journals (Sweden)

Hernán Andrés Pulido Londoño

2012-07-01

Full Text Available Este volumen, editado por Iris Wigger y Sabine Ritter, reúne diecisiete ensayos hermanados por la reflexión conceptual e historiográfica sobre las prácticas y discursos racistas que apuntalaron la emergencia de las sociedades modernas. La colección honra los aportes académicos de Wulf D. Hund (1946, destacado investigador alemán, quien ha desarrollado fructíferos análisis críticos dedicados —como señalan las editoras— a una disección histórico-sociológica de los discursos raciales en el pensamiento europeo y la historia global. En efecto, esta colección está estrechamente relacionada con una de las propuestas centrales de Hund: el examen de los racismos como parte de procesos de socialización negativa consustanciales a la modernidad.

An Empirical Analysis of Impact of E-commerce on Banking Industry in China

OpenAIRE

Jiang, Bo

2010-01-01

In recent years, e-commerce grows rapidly in the whole world. In the United State and European countries, e-commerce has become a significant financial service channel and played an irreplaceable role comparing with traditional banking. In these ten years, the banking industry in China has begun to implement e-commerce in order to serve their customers better. The implementation of e-commerce has changed people’s understanding of financial issues. Meanwhile, e-commerce brings new profit point...

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.

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.

THE IMPACT OF MONETARY POLICY ON BANK CREDIT DURING ECONOMIC CRISIS: INDONESIA’S EXPERIENCE

Directory of Open Access Journals (Sweden)

Abdul Mongid

2017-03-01

Full Text Available The monetary policy mechanism by which monetary policy was transmitted to thereal economy had emerged as the pivotal discussion topic recently. This paper tried to discussthe impact of Bank Indonesia’s monetary policy on loan bank. By using simple loan bankframework we concluded that monetary policies were able to influence loan bank. Themonetary variables such as discount rate policy, base money and exchange rate policy werevery important in determining the banking credit. As the credit was very important to influencesthe economic activitiy, the result provided evidence that monetary policy was important as atool to control economic activity via credit channel. The validity of this study challenged thehypotheses that monetary policy was death. However, monetary policy maker should carefullyconsider the soundness of the banking industry because it was a strategic partner for monetaryauthority to control the economic activities.

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.

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

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

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

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

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Anthony Lukmawijaya

2015-05-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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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

PENGARUH TEMPERATUR DAN WAKTU PENYIMPANAN TERHADAP POTENSI VAKSIN POLIO ORAL TRIVALEN (SABIN TYPE

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Djoko Yuwono

2012-09-01

Full Text Available The effect of temperature and duration of storage on the potency of trivalent oral polio vaccine (Sabin type were investigated. Temperature was set up at the beginning from : —20 C, 0 C, 5 C, 10 C, 15°C, 25 C and 30°C. During 30 days period of storage, the polio virus was titrated at 4 days interval using micromethod of TCID5 0 calculation in Vero cells. The result of the study showed that the effect of -20°C, 0°C and 5°C for 30 days of storage was not significantly different. Whereas at 10°C the vaccine potency had started to decrease at day 24 up to day 30. At 15°C the potency had started to decrease at day 12, while at 25°C and 30°C the potency of vaccine drooed sharply at day 4 of storage.

Hydraulic modeling of stream channels and structures in Harbor and Crow Hollow Brooks, Meriden, Connecticut

Science.gov (United States)

Weiss, Lawrence A.; Sears, Michael P.; Cervione, Michael A.

1994-01-01

Effects of urbanization have increased the frequency and size of floods along certain reaches of Harbor Brook and Crow Hollow Brook in Meriden, Conn. A floodprofile-modeling study was conducted to model the effects of selected channel and structural modifications on flood elevations and inundated areas. The study covered the reach of Harbor Brook downstream from Interstate 691 and the reach of Crow Hollow Brook downstream from Johnson Avenue. Proposed modifications, which include changes to bank heights, channel geometry, structural geometry, and streambed armoring on Harbor Brook and changes to bank heights on Crow Hollow Brook, significantly lower flood elevations. Results of the modeling indicate a significant reduction of flood elevations for the 10-year, 25-year, 35-year, 50-year, and 100-year flood frequencies using proposed modifications to (1 ) bank heights between Harbor Brook Towers and Interstate 691 on Harbor Brook, and between Centennial Avenue and Johnson Avenue on Crow Hollow Brook; (2) channel geometry between Coe Avenue and Interstate 69 1 on Harbor Brook; (3) bridge and culvert opening geometry between Harbor Brook Towers and Interstate 691 on Harbor Brook; and (4) channel streambed armoring between Harbor Brook Towers and Interstate 691 on Harbor Brook. The proposed modifications were developed without consideration of cost-benefit ratios.

Internet Banking integration within the banking system

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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.

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 ...

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

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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.

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

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Aditya Wardhana

2015-09-01

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

Analysis and Design of Offset QPSK Using Redundant Filter Banks

International Nuclear Information System (INIS)

Fernandez-Vazquez, Alfonso; Jovanovic-Dolecek, Gordana

2013-01-01

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

Online customer experience: Implications for digital banking

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Štavljanin Velimir

2017-01-01

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

BANK CAPITAL AND MACROECONOMIC SHOCKS: A PRINCIPAL COMPONENTS ANALYSIS AND VECTOR ERROR CORRECTION MODEL

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Christian NZENGUE PEGNET

2011-07-01

Full Text Available The recent financial turmoil has clearly highlighted the potential role of financial factors on amplification of macroeconomic developments and stressed the importance of analyzing the relationship between banks’ balance sheets and economic activity. This paper assesses the impact of the bank capital channel in the transmission of schocks in Europe on the basis of bank's balance sheet data. The empirical analysis is carried out through a Principal Component Analysis and in a Vector Error Correction Model.

Computerized representation of experimental data on burnout in tubes, annular channels and fuel bundles

International Nuclear Information System (INIS)

Katan, I.B.; Sal'nikova, O.V.; Vinogradov, V.N.

1983-01-01

Realization of TEFOR formate for presentation in data bases of bibliographic information obtained when studying heat exchange crisis in channels of the most widely spread types (tubes, annular channels, fuel bundles) has been described. The use of the unified formate, providing a possibility to completely describe the information from the initial source, results in standardization of data base formation in different sections of thermal physics and hydrodynamics of NPPs, permits to develop the general apparatus of bank control in the form of packet of applied programs and to use unified techniques, algorithms and programs during calculations with the use of data of the banks

KEWAJIBAN BANK SYARIAH TERHADAP NASABAH PENYIMPAN DANA AKIBAT INGKAR JANJI MITRA

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Sisca Ferawati Burhanuddin

2016-07-01

Full Text Available Islamic Banking is a financial institution using the system for results in return. In shahibul maal of financing that invest capital and mudharib provide capacity and reputation to run the business and share in the results that, if there is a loss shahibul maal will lose their money, and the party will lose his labor mudharib in running the business. The Islamic banks as intermediaries for the parties should be neutral, fair, trustworthy, and responsible in terms of this cooperation. Method is a normative juridical approach namely legal research focuses on the study of secondary data. To strengthen in order to complement the analysis of secondary data, conducted field research to obtain primary data through interviews. Efforts are being made if there is a legal relationship three parties namely shahibul maal, Islamic banks, mudharib have indications of a loss is not limited to oversight, but the process of consensus, and Alternative Dispute Resolution (ADR to achieve the objectives of cooperation in terms of rescue funds shahibul maal and business activities mudharib , Accountability Islamic Bank is the responsibility of the owner of the normative means in terms of funds requested mudharabah bank to channel funds directly to the business partners, the bank responsible for the extent of liability than the Islamic bank that is in the implementation of business partner management. While the moral responsibility must integrate moral values with economic measures based on sharia. Keywords: Responsibilities, Bank, Sharia, Default.

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.

EXPERIMENTAL STUDY ON SEDIMENT DISTRIBUTION AT CHANNEL BIFURCATION

Institute of Scientific and Technical Information of China (English)

G.M. Tarekul ISLAM; M.R. KABIR; Ainun NISHAT

2002-01-01

This paper presents the experimental results on the distribution of sediments at channel bifurcation.The experiments have been conducted in a physical model of channel bifurcation. It consists of a straight main channel which bifurcates into two branch channels of different widths. The test rig is a mobile bed with fixed bank. Four different noses have been used to study the phenomenon. For each nose, three upstream discharges viz. 20 l/s, 30 l/s and 40 l/s have been employed. From the measured data, discharges and sediment transport ratios per unit width are calculated in the downstream branches.These data have been set to the general nodal point relation and a set of equations has been developed to describe the distribution of sediments to the downstream branches for different nose angles.

Role of Foreign Banks in Integration of Banking Industry

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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.

Aggradation of Leveed Channels and Their Flood Plains in Arroyo Bottoms

Science.gov (United States)

Vincent, K. R.

2005-12-01

Many arroyos that formed by incision more than a century ago in the southwestern United States are currently filling with sediment. This reversal of processes is important because it causes changes in riparian ecology, erosion hazards, ground water recharge, and sediment supply to downstream. Along the Rio Puerco and Chaco Wash in New Mexico, we examined the geometry and facies of channel and floodplain stratigraphy exposed in trenches, used high-resolution dating of the sedimentary beds, and used photographs and other historical evidence to investigate the processes of aggradation in naturally leveed channels within arroyos. Prior to the onset of aggradation, the streambeds were composed of sand and had low relief, and arroyo walls retreated rapidly due to stream undermining. Aggradation began with the formation of sand levees at the margins of the streambeds, followed by formation of newer levees increasingly closer to the thalweg. These levees coincide with rows of woody shrubs (tamarisk and willow), plants that germinated in moist sand along the high-water marks of moderate flows, and survived because subsequent periods lacked flows large enough to remove them. Flow entering a row of woody shrubs decelerates, promoting deposition of suspended sand. Stream flows in this setting are always turbid but do not have the rheology of debris flows. The rows of shrubs probably are a requirement for initial formation of sand levees on low relief streambeds in this setting. As new levees formed closer to the thalweg the channel effectively narrowed, and smaller discharges overtopped the levees adjacent to the channel. Those closer levees accumulated sand most rapidly, leaving the suspended sand concentration depleted by the time water reached more distant ones. All levees aggraded vertically. As the main channel narrowed it acquired a roughly trapezoidal-shape (Top Width/Depth ~ 9 to 5) with banks inclined close to the angle of repose. In addition, sediment deposited on

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...

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...

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

Monetary channels of social inclusion: a case study of basic income and the Caixa Econômica Federal in Brazil

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Kurt Eberhart von Mettenheim

2014-12-01

Full Text Available This article reports evidence of new monetary channels for social inclusion involving basic income policies and the Caixa Econômica Federal, a Brazilian government savings bank. Since the Plano Real (Brazilian currency and the liberalization of banking in the 1990s, the realization of competitive advantages by the Caixa as social policy agent and the importance of citizenship cards differ from existing theories of bank change, financial inclusion and monetary policy. Multi-method research reveals the importance of 1 political theories of basic income, 2 conceptions of citizenship and social justice, and 3 a back to the future modernization of government banking. This provides alternatives to contemporary market-based banking theory, neo-liberal policies, private and non-governmental microfinance strategies, and theories in political economy about fiscal constraints to social policies. New monetary channels of change also suggest that zero sum theories about politics, monetary authority and social inclusion are amiss.

The Impact of E-Commerce Securi ty, and National Environment on Consumer adoption of Intern et Banking in Malaysia and Singapore

OpenAIRE

Yahya Dauda; A. Solucis Santhapparaj; David Asirvatham; Murali Raman

2007-01-01

One of the haunting problems of Internet banki ng in Malaysia is the slow in acceptance of this innovative distribution channel for banking products and services. This paper addresses the perceived e-commerce security influence on adoption of Internet banking, and the role of national environmental factors such as attitude, subjective norms, and perceived behavioral control factors towards adoption, and compares these factors with Singapore Internet banking adoption. Th...

Spatial and temporal patterns of bank failure during extreme flood events: Evidence of nonlinearity and self-organised criticality at the basin scale?

Science.gov (United States)

Thompson, C. J.; Croke, J. C.; Grove, J. R.

2012-04-01

Non-linearity in physical systems provides a conceptual framework to explain complex patterns and form that are derived from complex internal dynamics rather than external forcings, and can be used to inform modeling and improve landscape management. One process that has been investigated previously to explore the existence of self-organised critical system (SOC) in river systems at the basin-scale is bank failure. Spatial trends in bank failure have been previously quantified to determine if the distribution of bank failures at the basin scale exhibit the necessary power law magnitude/frequency distributions. More commonly bank failures are investigated at a small-scale using several cross-sections with strong emphasis on local-scale factors such as bank height, cohesion and hydraulic properties. Advancing our understanding of non-linearity in such processes, however, requires many more studies where both the spatial and temporal measurements of the process can be used to investigate the existence or otherwise of non-linearity and self-organised criticality. This study presents measurements of bank failure throughout the Lockyer catchment in southeast Queensland, Australia, which experienced an extreme flood event in January 2011 resulting in the loss of human lives and geomorphic channel change. The most dominant form of fluvial adjustment consisted of changes in channel geometry and notably widespread bank failures, which were readily identifiable as 'scalloped' shaped failure scarps. The spatial extents of these were mapped using high-resolution LiDAR derived digital elevation model and were verified by field surveys and air photos. Pre-flood event LiDAR coverage for the catchment also existed allowing direct comparison of the magnitude and frequency of bank failures from both pre and post-flood time periods. Data were collected and analysed within a GIS framework and investigated for power-law relationships. Bank failures appeared random and occurred

76 FR 48777 - Endangered and Threatened Wildlife and Plants; 12-Month Finding on a Petition To List the Nueces...

Science.gov (United States)

2011-08-09

... occurs within the range of the species, we could find no information on the extent or intensity of..., disturbance and erosion from trampled banks, and increased solar exposure due to reduced shade from streamside... stream flow measurements in the Frio, Sabinal, and Nueces Rivers for the last decade. Results of Edward's...

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

Processes Leading to Beaded Channels Formation in Central Yakutia

Science.gov (United States)

Tarbeeva, A. M.; Lebedeva, L.; Efremov, V. S.; Krylenko, I. V.; Surkov, V. V.

2017-12-01

Beaded channels, consisting of deepened and widened pools and connecting narrow runs, are common fluvial forms in permafrost regions. Recent studies have shown that beaded channels are very important for connecting alluvial rivers with headwater lakes allowing fish passage and foraging habitats, as well as regulating river runoff. Beaded channels are known as typical thermokarst landforms; however, there is no evidence of their origin and formative processes. Geomorphological analyzes of beaded channels have been completed in several permafrost regions including field observations of Shestakovka River in Central Yakutia. The study aims to recognize the modern exogenic processes and formative mechanisms of beaded river channels. We show that beaded channel of Shestakovka River form in the perennially frozen sand with low ice content, leading us to hypothesize that thermokarst is not the main process of formation. Due to the significant volume of water, the pools don't freeze over entirely during winters, even under harsh climatic conditions. As a result, lenses of pressurized water remain under surface ice underlain by perennially thawed sediments. The presence of thawed sediments under the pools and frozen sediments under the runs leads to uneven thermoerosion of the riverbed during floods, providing the beaded form of the channel. In addition, freezing of pools during winter leads to pressure increasing under ice cover and formation of ice mounds, which crack several times during winter leading to disturbance of riverbanks. Many 1st to 3rd order streams have a specific transitional meandering-to-beaded form resembling the shape of unconfined meandering rivers, but consisting of pools and runs. However, such channels exhibit no evidences of present-day erosion of concave banks and sediment accumulation at the convex banks as typically being observed in normally meandering rivers. Such forms of channels indicates that their formation occurred by the greater channel

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.

hPIN/hTAN: Low-Cost e-Banking Secure against Untrusted Computers

Science.gov (United States)

Li, Shujun; Sadeghi, Ahmad-Reza; Schmitz, Roland

We propose hPIN/hTAN, a low-cost token-based e-banking protection scheme when the adversary has full control over the user's computer. Compared with existing hardware-based solutions, hPIN/hTAN depends on neither second trusted channel, nor secure keypad, nor computationally expensive encryption module.

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

Directory of Open Access Journals (Sweden)

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

2011-05-01

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

Morphological resilience to flow fluctuations of fine sediment deposits in bank lateral cavities

Science.gov (United States)

Juez, C.; Thalmann, M.; Schleiss, A. J.; Franca, M. J.

2018-05-01

Lateral cavities are built in the banks of rivers for several purposes: to create harbors, to capture sediment, to keep a central navigable channel (i.e., Casiers de Girardon in the Rhone river) or to promote the formation of aquatic habitats if a limited amount of sediment is captured, providing hydraulic and morphologic diversity (i.e., the case of Japanese Wandos). This work is focused on this latter purpose: promotion of hydraulic and morphologic diversity. In these scenarios, an increase in the flow discharge in the main channel may, however, re-mobilize the deposit of sediment inside these lateral embayments and cause a sudden increase of the sediment concentration and turbidity in the main channel. It is thus of interest to characterize the resistance and resilience of these sedimentary deposits when the main channel is subjected to high flow or flushing events. Laboratory tests were carried out for five different normalized geometries of the cavities installed in the banks of an open channel and for five hydrographs with different levels of unsteadiness. Water depth, sediment deposit mass, sediment concentration and area covered by the settled sediments were recorded throughout each experiment. Although sediment deposits established at equilibrium before the flushing events are different depending on the geometry of the cavities, generally, they are recovered after being flushed by the high flow events. It is shown that the resistance and resilience of the sediment deposits are strongly dependent on the flow field and the mass exchange between the main channel and the cavities. This mass exchange is governed by the geometry of the cavities and the magnitude of the hydrographs applied.

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

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

Science.gov (United States)

2010-04-21

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

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

African Journals Online (AJOL)

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

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

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

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

Spatial and temporal variability in sedimentation rates associated with cutoff channel infill deposits: Ain River, France

Science.gov (United States)

Piégay, H.; Hupp, C.R.; Citterio, A.; Dufour, S.; Moulin, B.; Walling, D.E.

2008-01-01

Floodplain development is associated with lateral accretion along stable channel geometry. Along shifting rivers, the floodplain sedimentation is more complex because of changes in channel position but also cutoff channel presence, which exhibit specific overflow patterns. In this contribution, the spatial and temporal variability of sedimentation rates in cutoff channel infill deposits is related to channel changes of a shifting gravel bed river (Ain River, France). The sedimentation rates estimated from dendrogeomorphic analysis are compared between and within 14 cutoff channel infills. Detailed analyses along a single channel infill are performed to assess changes in the sedimentation rates through time by analyzing activity profiles of the fallout radionuclides 137Cs and unsupported 210Pb. Sedimentation rates are also compared within the channel infills with rates in other plots located in the adjacent floodplain. Sedimentation rates range between 0.65 and 2.4 cm a−1 over a period of 10 to 40 years. The data provide additional information on the role of distance from the bank, overbank flow frequency, and channel geometry in controlling the sedimentation rate. Channel infills, lower than adjacent floodplains, exhibit higher sedimentation rates and convey overbank sediment farther away within the floodplain. Additionally, channel degradation, aggradation, and bank erosion, which reduce or increase the distance between the main channel and the cutoff channel aquatic zone, affect local overbank flow magnitude and frequency and therefore sedimentation rates, thereby creating a complex mosaic of sedimentation zones within the floodplain and along the cutoff channel infills. Last, the dendrogeomorphic and 137Cs approaches are cross validated for estimating the sedimentation rate within a channel infill.

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....

Uranium in tertiary stream channels, Lake Frome area, South Australia

International Nuclear Information System (INIS)

Brunt, D.A.

1978-01-01

Uranium exploration over a wide area of the Southern Frome Embayment, South Australia, has defined a number of Lower Tertiary fluvial palacochannels incised in older rocks. The buried channels contain similar stratigraphic sequences of interbedded sand, silt, and clay, probably derived from the adjacent uranium-rich Olary Province. Uranium mineralization is pervasive within two major palacochannels, and four small uranium deposits have been found in the basal sands of these channel sequences, at the margins of extensive tongues of limonitic sand. A genetic model is proposed suggesting formation by a uraniferous geochemical cell which migrated down the stream gradient and concentrated uranium on its lateral margins adjacent to the channel bank

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

Importance of Non-banking Financial Institutions and of the Capital Markets in the Economy. The Case of Romania

Directory of Open Access Journals (Sweden)

Marilen Pirtea

2008-05-01

Full Text Available Deep and broad financial markets facilitate savings mobilization, by offering both individuals and insitutional savers and investors additional instruments and channels for placement of their funds at more attractive returns than are available on bank deposits. Bank and non-bank financial intermediation are both key elements of a sound and stable financial system. Both sectors need to be developed as they offer important synergies, meant to foster economical growth. While banks dominate the financial systems in most countries, business, households, and the public sector rely on the availability of a wide range of financial products to meet their financial needs. Such products are not provided only by banks, but also by insurance, leasing, factoring, and venture capital companies as well as mutual funds or pension funds.

Downstream reduction of rural channel size with contrasting urban effects in small coastal streams of southeastern Australia

Science.gov (United States)

Nanson, G. C.; Young, R. W.

1981-07-01

Although most streams show a downstream increase in channel size corresponding to a downstream increase in flood discharges, those flowing off the Illawarra escarpment of New South Wales show a marked reduction of channel size, accompanied by a down-stream increase in flood frequency in their lower reaches. Within the confined and steeply sloping valleys of the escarpment foothills, bed and bank sediments are relatively coarse and uncohesive, and channels increase in size, corresponding to increasing discharge downstream. However, once these streams emerge into more open rural valleys at lower slopes and are accompanied by extensive floodplains formed of fine cohesive sediment, there is a dramatic reduction in channel size. This decrease in channel size apparently results from a sudden decline in channel slope and associated stream power, the cohesive nature of downstream alluvium, its retention on the channel banks by a dense cover of pasture grasses, and the availability of an extensive floodplain to carry displaced floodwater. Under these conditions floodwaters very frequently spill out over the floodplain and the downstream channel-flow becomes a relatively unimportant component of the total peak discharge. This emphasizes the importance of these floodplains as a part of the total channel system. In situations where urban development has increased peak runoff and reduced the available area of effective floodplain, stream channels formed in this fine alluvium rapidly entrench and increase in cross-sectional area by 2-3 times. Minor man-induced channel alteration and maintenance appears to trigger this enlargement.

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.

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.

Phase II and III Clinical Studies of Diphtheria-Tetanus-Acellular Pertussis Vaccine Containing Inactivated Polio Vaccine Derived from Sabin Strains (DTaP-sIPV).

Science.gov (United States)

Okada, Kenji; Miyazaki, Chiaki; Kino, Yoichiro; Ozaki, Takao; Hirose, Mizuo; Ueda, Kohji

2013-07-15

Phase II and III clinical studies were conducted to evaluate immunogenicity and safety of a novel DTaP-IPV vaccine consisting of Sabin inactivated poliovirus vaccine (sIPV) and diphtheria-tetanus-acellular pertussis vaccine (DTaP). A Phase II study was conducted in 104 healthy infants using Formulation H of the DTaP-sIPV vaccine containing high-dose sIPV (3, 100, and 100 D-antigen units for types 1, 2, and 3, respectively), and Formulations M and L, containing half and one-fourth of the sIPV in Formulation H, respectively. Each formulation was administered 3 times for primary immunization and once for booster immunization. A Phase III study was conducted in 342 healthy infants who received either Formulation M + oral polio vaccine (OPV) placebo or DTaP + OPV. The OPV or OPV placebo was orally administered twice between primary and booster immunizations. Formulation M was selected as the optimum dose. In the Phase III study, the seropositive rate was 100% for all Sabin strains after primary immunization, and the neutralizing antibody titer after booster immunization was higher than in the control group (DTaP + OPV). All adverse reactions were clinically acceptable. DTaP-sIPV was shown to be a safe and immunogenic vaccine. JapicCTI-121902 for Phase II study, JapicCTI-101075 for Phase III study (http://www.clinicaltrials.jp/user/cte_main.jsp).

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

important argument in the fight of political parties for the power. However, taking into account the influence of these two banks’ collapses for international country ratings we note that collapse as a “frequent phenomenon” worsened Lithuania’s position. “Normatively” interpreting the collapse cases we may argue that actors of the political field (mainstream media channels included coped with the dynamic situation by appropriately minimizing negative outcomes of the collapse of the two commercial banks.

Acute flaccid paralysis surveillance in bosnia and herzegovina: Recent isolation of two sabin like type 2 poliovirus.

Science.gov (United States)

Fontana, Stefano; Buttinelli, Gabriele; Fiore, Stefano; Mulaomerovic, Mirsada; Aćimović, Jela; Amato, Concetta; Delogu, Roberto; Rezza, Giovanni; Stefanelli, Paola

2017-09-01

The WHO Regional Commission for the Certification of Poliomyelitis Eradication has recently indicated Bosnia and Herzegovina (B&H) as a high risk country for transmission, following importation, of wild poliovirus (WPV) or circulating vaccine-derived poliovirus (cVDPV). We analyzed data on Acute Flaccid Paralysis (AFP) surveillance between 2007 to 2016, and the trend of polio immunization coverage in B&H. The majority of AFP cases was recorded in 2016 suggesting an enhancement of the AFP surveillance activities. However, the decline in the immunization coverage, around 74%, and the isolation of two Sabin-like poliovirus type 2 strains, one of them close to a VDPV, require a particular attention in the area. Although B&H has successfully maintained its polio-free status since 2002 several challenges need to be addressed. © 2017 Wiley Periodicals, Inc.

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

Czech Academy of Sciences Publication Activity Database

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

2007-01-01

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

Study of the interaction of potassium ion channel protein with micelle by molecular dynamics simulation

Science.gov (United States)

Shantappa, Anil; Talukdar, Keka

2018-04-01

Ion channels are proteins forming pore inside the body of all living organisms. This potassium ion channel known as KcsA channel and it is found in the each cell and nervous system. Flow of various ions is regulated by the function of the ion channels. The nerve ion channel protein with protein data bank entry 1BL8, which is basically an ion channel protein in Streptomyces Lividans and which is taken up to form micelle-protein system and the system is analyzed by using molecular dynamics simulation. Firstly, ion channel pore is engineered by CHARMM potential and then Micelle-protein system is subjected to molecular dynamics simulation. For some specific micelle concentration, the protein unfolding is observed.

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

Directory of Open Access Journals (Sweden)

Vogiazas Sophocles

2013-01-01

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

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

Science.gov (United States)

2011-09-26

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

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

A Study of an Iterative Channel Estimation Scheme of FS-FBMC System

Directory of Open Access Journals (Sweden)

YongJu Won

2017-01-01

Full Text Available A filter bank multicarrier on offset-quadrature amplitude modulation (FBMC/OQAM system is an alternative multicarrier modulation scheme that does not need cyclic prefix (CP even in the presence of a multipath fading channel by the properties of prototype filter. The FBMC/OQAM system can be implemented either by using the poly-phase network with fast fourier transform (PPN-FFT or by using the extended FFT on a frequency-spreading (FS domain. In this paper, we propose an iterative channel estimation scheme for each sub channel of a FBMC/OQAM system over a frequency-spreading domain. The proposed scheme first estimates the channel using the received pilot signal in the subchannel domain and interpolates the estimated channel to fine frequency-spreading domain. Then the channel compensated FS domain pilot is despread again to modify the channel state information (CSI estimation. Computer simulation shows that the proposed method outperforms the conventional FBMC/OQAM channel estimator in a frequency selective channel.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

Deciphering Depositional Signals in the Bed-Scale Stratigraphic Record of Submarine Channels

Science.gov (United States)

Sylvester, Z.; Covault, J. A.

2017-12-01

Submarine channels are important conduits of sediment transfer from rivers and shallow-marine settings into the deep sea. As such, the stratigraphic record of submarine-channel systems can store signals of past climate- and other environmental changes in their upstream sediment-source areas. This record is highly fragmented as channels are primarily locations of sediment bypass; channelized turbidity currents are likely to leave a more complete record in areas away from and above the thalweg. However, the link between the thick-bedded axial channel deposits that record a small number of flows and the much larger number of thin-bedded turbidites forming terrace- and levee deposits is poorly understood. We have developed a relatively simple two-dimensional model that, given a number of input flow parameters (mean velocity, grain size, duration of deposition, flow thickness), predicts the thickness and composition of the turbidite that is left behind in the channel and in the overbank areas. The model is based on a Rouse-type suspended sediment concentration profile and the Garcia-Parker entrainment function. In the vertical direction, turbidites tend to rapidly become thinner and finer-grained with height above thalweg, due to decreasing concentration. High near-thalweg concentrations result in thick axial beds. However, an increase in flow velocity can result in high entrainment and no deposition at the bottom of the channel, yet a thin layer of sand and mud is still deposited higher up on the channel bank. If channel thalwegs are largely in a bypass condition, relatively minor velocity fluctuations result in a few occasionally preserved thick beds in the axis, and numerous thin turbidites - and a more complete record - on the channel banks. We use near-seafloor data from the Niger Delta slope and an optimization algorithm to show how our model can be used to invert for likely flow parameters and match the bed thickness and grain size of 100 turbidites observed in a

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

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

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.

Does Central Bank Tone Move Asset Prices?

DEFF Research Database (Denmark)

Schmeling, Maik; Wagner, Christian

the next press conference. Moreover, we find that positive tone changes are associated with increasing government bond yields, lower implied equity volatility, lower variance risk premia, and lower corporate credit spreads. Since we also show that tone changes are unrelated to current and future economic...... fundamentals, these results support the conjecture that central bank tone matters for asset prices through a risk-based channel. Our main findings also apply to U.S. markets, where stock prices and Treasury yields increase when the Fed chair’s tone in the Congressional Testimony becomes more positive....

THE ASSET PRICE CHANNEL AND ITS ROLE IN MONETARY POLICY TRANSMISSION

Directory of Open Access Journals (Sweden)

Dan Horatiu

2013-07-01

Full Text Available his paper addresses the subject of the monetary policy transmission mechanism by focusing on the asset price channel, which is the monetary transmission channel responsible for the propagation of the effects induced by the monetary policy decisions made by the central bank that affect the price of assets. We will analyze the asset price channel by taking a close look at its structure, internal processes and the way it delivers monetary policy throughout the economy, ultimately influencing key variables such as the unemployment rate and the levels of consumption and production. After an introduction dealing with the entire monetary transmission mechanism, its role and purposes, we will focus on the particularities of the asset price channel and the two main ways in which it delivers monetary policy decision effects: through changes in Tobin’s q value, which is the ratio between the market value of a given company and its replacement cost of capital, and through the effect of wealth, both of financial and housing nature, on consumption. In our study, we will consider theoretical aspects and observations, but also empirical evidence that highlights that the exact way in which the asset price channel functions may differ from one economy to another due to differences in the structures of the respective economies and differences in psychology and cultural values of consumers. The deep understanding of the asset price transmission channel is very important for any central bank, as this is the channel that governs key aspects of monetary policy transmission linked to the market value of assets and individual wealth. These values have, as we will see in more detail throughout the paper, an important impact on both consumption and investment, two economic actions that can help the economy, but can also prove to be a crucial element in starting and perpetuating an economic crisis.

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

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.

Financial Frictions and the Credit Transmission Channel: Capital Requirements and Bank Capital

OpenAIRE

Lucyna Gornicka; Sweder van Wijnbergen

2013-01-01

We investigate actual capital chosen by banks in presence of capital minimum requirements and ex-post penalties for violating them. The model yields excess capital that is always positive and increases during times of distress in the economy, which is in line with empirical evidence. Next, we show that in presence of ex-post violation penalties the introduction of the conservation buffer under Basel III will not contribute to lowering the pro-cyclicality of capital regulations. The countercyc...

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

Credit supply and monetary policy : Identifying the bank balance-sheet channel with loan applications

NARCIS (Netherlands)

Jimenez Porras, G.; Ongena, S.; Peydro, J.L.; Saurina, J.

2012-01-01

We analyze the impact of monetary policy on the supply of bank credit. Monetary policy affects both loan supply and demand, thus making identification a steep challenge. We therefore analyze a novel, supervisory dataset with loan applications from Spain. Accounting for time-varying firm

Methodology for calculating shear stress in a meandering channel

Science.gov (United States)

Kyung-Seop Sin; Christopher I. Thornton; Amanda L. Cox; Steven R. Abt

2012-01-01

Natural channels never stop changing their geomorphic characteristics. Natural alluvial streams are similar to living creatures because they generate water flow, develop point bars, alter bed profile, scour the bed, erode the bank, and cause other phenomena in the stream system. The geomorphic changes in a natural system lead to a wide array of research worldwide,...

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

Science.gov (United States)

2013-06-21

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

Catalysts for better health care. Medical tissue banks bring multiple benefits to countries

International Nuclear Information System (INIS)

Phillips, G.O.; Morales, J.

2002-01-01

For millions of injured and disabled people around the world, the treatment brings a new quality of life. Called tissue grafting or transplantation, it relies on the use of sterilized bone, skin, and other tissues to heal serious injuries, wounds, and sickness. Prime beneficiaries include severe burn victims, and men, women, and children suffering from crippling diseases, birth defects, and blindness. Long applied in plastic and orthopaedic surgery, tissue grafting once relied only on using a patient's own tissues, known as an autograft. But now tissues from human or animal donors (allograft) are used for transplantation. This new form of tissue grafting has made big strides over the past decade. An expanding number of facilities today prepare the valuable tissues to the high-quality standards demanded in medical care. Dozens of such new tissue banks have opened in Asia, Latin America, Europe, and North America. A productive channel of progress has been an IAEA-supported technical cooperation programme. Through it, experts have worked together behind the scenes to help national health authorities establish tissue banks, train associated staff, and develop standards and regulatory guides. The IAEA accordingly has gained more experience and success than any other international organization in supporting the establishment of tissue banks for medical use in developing countries. Increasingly for quality and cost reasons, the technology of irradiation is used to sterilize tissues for medical care. The IAEA, through its technical cooperation channels, assists national atomic energy authorities to safely and productively employ radiation technology. An interregional programme on radiation and tissue banking, initiated over a decade ago, today extends to 30 countries

Effects of natural-channel-design restoration on habitat quality in Catskill Mountain streams, New York

Science.gov (United States)

Ernst, Anne G.; Baldigo, Barry P.; Mulvihill, Christiane; Vian, Mark

2010-01-01

Stream restoration has received much attention in recent years, yet there has been little effort to evaluate its impacts on physical habitat, stability, and biota. A popular but controversial stream restoration approach is natural channel design (NCD), which cannot be adequately evaluated without a long-term, independent assessment of its effects on stream habitat. Six reaches of five Catskill Mountain streams in southeastern New York were restored during 2000–2003 following NCD techniques to decrease bed and bank degradation, decrease sediment loads, and improve water quality. Habitat surveys were conducted during summer low flows from 2001 to 2007. The effects of the NCD projects on stream condition were assessed via a before–after–control–impact study design to quantify the net changes in stream and bank habitat variables relative to those in unaltered control reaches. Analysis of variance tests of three different measures of bank stability show that on average stream stability increased at treatment sites for 2–5 years after restoration. Mean channel depth, thalweg depth, and the pool–riffle ratio generally increased, whereas mean channel width, percent streambank coverage by trees, and shade decreased. Habitat suitability indices for local salmonid species increased at four of six reaches after restoration. The changes in channel dimensions rendered them generally more characteristic of stabler stream forms in the given valley settings. Although these studies were done relatively soon after project completion, our findings demonstrate that habitat conditions can be improved in degraded Catskill Mountain streams through NCD restoration.

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

Science.gov (United States)

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

2014-12-01

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

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Pengaruh Kepemimpinan Transformasional Terhadap Komitmen Organisasi Pada PT. Bank Rakyat Indonesia (Persero) Tbk. Cabang Tuanku Tambusai Pekanbaru

OpenAIRE

Yulis, Indra; Farida, Lena

2016-01-01

Bank represent body of effort having important role in economics an state. Especial Aktifity of banking is muster fund from society and channel it return in the form of credit to individual or socialize, other small industry and company used to support process take place a business or commerce which its final purpose to get advantage which later will have an effect on to improvement of level live people in general. leadership of Transformasional defined by as leadership including effort of or...