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Sample records for soluble oil bank

  1. Solubility of hydrogen in bio-oil compounds

    International Nuclear Information System (INIS)

    Qureshi, Muhammad Saad; Touronen, Jouni; Uusi-Kyyny, Petri; Richon, Dominique; Alopaeus, Ville

    2016-01-01

    Highlights: • Solubility of Hydrogen was measured in bio-oil compounds in the at temperatures from 342 to 473 K and pressures up to 16 MPa. • Phase equilibrium data were acquired using a visualization enabled continuous flow synthetic apparatus. • The measured solubility is modeled with Peng-Robinson EoS. - Abstract: The knowledge of accurate hydrogen solubility values in bio-oil compounds is essential for the design and optimization of hydroprocesses relevant to biofuel industry. This work reports the solubility of hydrogen in three industrially relevant bio-oil compounds (allyl alcohol, furan, and eugenol) at temperatures from 342 to 473 K and pressures up to 16 MPa. Phase equilibrium data were acquired using a continuous flow synthetic method. The method is based on the visual observation of the bubble point using a high resolution camera. The measured solubility is modeled with Peng-Robinson EoS with classical van der Waals one fluid mixing rules.

  2. Hydrogen solubility measurements of analyzed tall oil fractions and a solubility model

    International Nuclear Information System (INIS)

    Uusi-Kyyny, Petri; Pakkanen, Minna; Linnekoski, Juha; Alopaeus, Ville

    2017-01-01

    Highlights: • Hydrogen solubility was measured in four tall oil fractions between 373 and 597 K. • Continuous flow synthetic isothermal and isobaric method was used. • A Henry’s law model was developed for the distilled tall oil fractions. • The complex composition of the samples was analyzed and is presented. - Abstract: Knowledge of hydrogen solubility in tall oil fractions is important for designing hydrotreatment processes of these complex nonedible biobased materials. Unfortunately measurements of hydrogen solubility into these fractions are missing in the literature. This work reports hydrogen solubility measured in four tall oil fractions between 373 and 597 K and at pressures from 5 to 10 MPa. Three of the fractions were distilled tall oil fractions their resin acids contents are respectively 2, 20 and 23 in mass-%. Additionally one fraction was a crude tall oil (CTO) sample containing sterols as the main neutral fraction. Measurements were performed using a continuous flow synthetic isothermal and isobaric method based on the visual observation of the bubble point. Composition of the flow was changed step-wise for the bubble point composition determination. We assume that the tall oil fractions did not react during measurements, based on the composition analysis performed before and after the measurements. Additionally the densities of the fractions were measured at atmospheric pressure from 293.15 to 323.15 K. A Henry’s law model was developed for the distilled tall oil fractions describing the solubility with an absolute average deviation of 2.1%. Inputs of the solubility model are temperature, total pressure and the density of the oil at 323.15 K. The solubility of hydrogen in the CTO sample can be described with the developed model with an absolute average deviation of 3.4%. The solubility of hydrogen increases both with increasing pressure and/or increasing temperature. The more dense fractions of the tall oil exhibit lower hydrogen

  3. Oil and gas financing by the World Bank

    International Nuclear Information System (INIS)

    Razavi, Hossein

    1995-01-01

    The World Bank has developed a flexible oil and gas programme that is structured to meet the changing needs of the sector as they arise. The Bank became prominent in the oil and gas sector after the oil crises of the 1970s, when it began assisting client countries in developing their indigenous energy resources. At the beginning, Bank lending concentrated on exploration and development of hydrocarbon resources where the level of lending expanded to US$1 billion in 1983. This rapid expansion caused some concern that Bank activities might preempt those of the private sector. In response, the Bank imposed in 1984 strict limitations on petroleum exploration and oil production lending. In combination with the perception that future oil demand would be weak, this caused the lending programme to fall off sharply (to US$300 million by 1986). By 1990, the Bank was again moving actively into hydrocarbon sector lending, but then the emphasis was on promoting private sector development and supporting the development of natural gas as a substitute for coal and oil. Bank lending to the sector has been on the increase since 1990; a lending level of about US$1 billion yearly is expected for the second half of the 1990s. In addition to its direct lending, the World Bank facilitates contributions by other financiers through its cofinancing and risk mitigation arrangements. (author)

  4. Oil and gas activities of the world bank

    International Nuclear Information System (INIS)

    Hossein, R.

    1993-01-01

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

  5. Solubility and Permeability Studies of Aceclofenac in Different Oils

    African Journals Online (AJOL)

    assess the in vivo bioavailability of the drug [1]. Forty percent of ... administration with hepatic first-pass metabolism. [11]. Due its ... suitable oils that would improve solubility and in .... Baboota S, Faisal MS, Ali J, Ahuja A. Effect of poloxamer.

  6. Government chartered banks step up oil and gas lending

    International Nuclear Information System (INIS)

    Crow, P.

    1994-01-01

    International government chartered banks are playing an increasingly prominent role in lending for world oil and gas development projects. The main players are the World Bank's International Finance Corp. (IFC), European Bank for Reconstruction and Development (EBRD), US Export-Import Bank, and Overseas Private Investment Corp. (OPIC). Those institutions and similar ones are the catalysts for a large number of projects in the former Soviet Union (FSU) and in other nations that are seeking to develop oil and gas resources and build processing plants, pipelines, and distribution networks. Banks also are taking a greater degree of interest in the environmental aspects of projects. In country after country, especially in the developing world, barriers to foreign investment in domestic petroleum sectors are falling. Oil and gas law reforms are under way on each continent. The paper discusses the major players, the World Bank grouped, the Romanian example, the Ex-Im Bank, OPIC, the emphasis on FSU, environmental issues, and new sources of capital in developing countries

  7. Solubility of Two Vegetable Oils in Supercritical CO2

    Czech Academy of Sciences Publication Activity Database

    Sovová, Helena; Zarevúcka, Marie; Vacek, Miroslav; Stránský, Karel

    2001-01-01

    Roč. 20, č. 1 (2001), s. 15-28 ISSN 0896-8446 R&D Projects: GA ČR GA203/99/1457; GA ČR GA203/98/1445 Institutional research plan: CEZ:AV0Z4072921 Keywords : vegetable oil * supercritical CO2 * solubility Subject RIV: CI - Industrial Chemistry, Chemical Engineering Impact factor: 1.975, year: 2001

  8. HIGH PRESSURE PHASE EQUILIBRIUM: PREDICTION OF ESSENTIAL OIL SOLUBILITY

    Directory of Open Access Journals (Sweden)

    Lúcio CARDOZO-FILHO

    1997-12-01

    Full Text Available This work describes a method to predict the solubility of essential oils in supercritical carbon dioxide. The method is based on the formulation proposed in 1979 by Asselineau, Bogdanic and Vidal. The Peng-Robinson and Soave-Redlich-Kwong cubic equations of state were used with the van der Waals mixing rules with two interaction parameters. Method validation was accomplished calculating orange essential oil solubility in pressurized carbon dioxide. The solubility of orange essential oil in carbon dioxide calculated at 308.15 K for pressures of 50 to 70 bar varied from 1.7± 0.1 to 3.6± 0.1 mg/g. For same the range of conditions, experimental solubility varied from 1.7± 0.1 to 3.6± 0.1 mg/g. Predicted values were not very sensitive to initial oil composition.Este trabalho descreve uma metodologia para o cálculo da solubilidade de óleos essenciais em dióxido de carbono a altas pressões baseada na formulação proposta em 1979 por Asselineau, Bogdanic e Vidal. Foram utilizadas as equações cúbicas de estado de Peng-Robinson e Soave-Redlich-Kwong com regras de mistura de van der Waals com dois parâmetros de interação. O cálculo da solubilidade do óleo essencial de laranja em dióxido de carbono pressurizado foi usado para validação do método. A solubilidade calculada a 308,15 K para pressões entre 50 e 70 bar variou entre 1,5 e 4,1 mg/g. Valores experimentais para as mesmas condições variam entre 1,7± 0.1 a 3,6± 0.1 mg/g. Os valores preditos não são muito sensíveis à composição inicial do óleo essencial.

  9. Diesel-soluble lignin oils and methods of their production

    DEFF Research Database (Denmark)

    2016-01-01

    Solvent consumption in supercritical ethanol, propanol or butanol treatment of either refined pre-extracted lignin or comparatively impure lignin-rich solid residual from hydrothermally pretreated lignocellulosic biomass can be minimized by conducting the reaction at very high loading of lignin...... to solvent. Comparatively impure, crude lignin- rich solid residual can be directly converted by supercritical alcohol treatment to significantly diesel-soluble lignin oil without requirement for pre-extraction or pre- solubilisation of lignin or for added reaction promoters such as catalysts, hydrogen donor...... co-solvents, acids, based or H2 gas. O:C ratio of product oil can readily be obtained using crude lignin residual in such a process at levels 0.20 or lower....

  10. Solubility of ocular therapeutic agents in self-emulsifying oils. I. Self-emulsifying oils for ocular drug delivery: solubility of indomethacin, aciclovir and hydrocortisone.

    Science.gov (United States)

    Czajkowska-Kośnik, Anna; Sznitowska, Małgorzata

    2009-01-01

    Self-emulsifying drug delivery systems (SEDDS) were prepared by dissolving Cremophor EL, Tween 20, Tween 80 and Span 80 (1% or 5%) in oils (Miglyol 812 or castor oil). Solubilities of three ophthalmic drugs, namely aciclovir, hydrocortisone and indomethacin were determined in these systems. In addition, the effect of a small amount of water (0.5% and 2%) on solubilization properties of the systems was estimated. Of the three substances, indomethacin showed the best solubility in Miglyol while aciclovir was practically insoluble in this oil. The surfactants usually increased drug solubility in the oily phase. Only Tween 20 was found to decrease the solubility of aciclovir and hydrocortisone in Miglyol. Addition of a small amount of water to the oil/surfactant system increased solubility of hydrocortisone, but not of indomethacin. The results of the current study may be utilized to design a suitable composition of SEDDS and allow continuation of research on this type of drug carriers.

  11. Oil Prices, Credit Risks in Banking Systems, and Macro-Financial Linkages across GCC Oil Exporters

    Directory of Open Access Journals (Sweden)

    Saleh Alodayni

    2016-11-01

    Full Text Available This paper assesses the effect of the recent 2014–2015 oil price slump on the financial stability in the Gulf Cooperation Council (GCC region. The first objective of this paper is to assess how oil price shock propagates within the macroeconomy and how the macro shocks transmit to GCC banks’ balance sheets. This part of the paper implements a System Generalized Method of Moments (GMM and a Panel Fixed Effect Model to estimate the response of nonperforming loans (NPLs to its macroeconomic determinants. The second objective of this paper is to assess any negative feedback effects between the GCC banking systems and the economy. The paper, therefore, implements a Panel VAR model to explore the macro-financial linkages between GCC banking systems and the real economy. The results indicate that oil price, non-oil GDP, interest rate, stock prices, and housing prices are major determinants of NPLs across GCC banks and the overall financial stability in the region. Credit risk shock tends to propagate disturbances to non-oil GDP, credit growth, and stock prices across GCC economies. A higher level of NPLs restricts banks’ credit growth and can dampen economic growth in these economies. The results support the notion that disturbances in banking systems lead to unwanted economic consequences for the real sector.

  12. Solubility of carbon monoxide in bio-oil compounds

    International Nuclear Information System (INIS)

    Qureshi, Muhammad Saad; Le Nedelec, Tom; Guerrero-Amaya, Hernando; Uusi-Kyyny, Petri; Richon, Dominique; Alopaeus, Ville

    2017-01-01

    Highlights: • CO solubility was measured in four bio-oil compounds using static-analytic VLE equipment. • A comparison on the performance of different EoS (PC-SAFT, SRK and PR) was made. • Modelling of polar compounds with Polar PC-SAFT was tested. • Polar PC-SAFT is not needed for weakly polar compounds (μ < 1.0 D). - Abstract: The solubility of carbon monoxide is measured in four different bio-oil compounds (furan, diacetyl, 2-methylfuran, and trans-crotonaldehyde) at temperatures (273.15, 283.15, 298.15, and 323.15 K) and pressures up to 8 MPa using a static-analytical VLE measurement method. The equipment was validated by measuring the solubility of CO 2 in methanol at 298.15 K and pressures (P = 2.9–5.7 MPa). The results were compared with the abundantly available literature values. PC-SAFT, Polar PC-SAFT (PPC-SAFT), and Cubic (SRK, PR) EoS, part of commercial process simulator Aspen Plus V. 8.6, are used here for modelling purpose. The pure component parameters needed for PC-SAFT and PPC-SAFT EoS models, are regressed using the experimental liquid density and vapour pressure data of the pure components. It was observed that furan, 2-methylfuran and diacetyl, having weak dipole moments (μ < 1.0 D), could be modelled reasonably well without the addition of polar contribution using conventional PC-SAFT, while it is recommended to use PPC-SAFT for the description of a polar compound like trans-crotonaldehyde (μ ∼ 3.67 D). It was observed that SRK and PR EoS have similar predictive ability in comparison to PC-SAFT for a mixture of CO with weakly polar compounds in this study. A comparison between the performances of EoS models was made in two ways: first by setting the binary interaction parameter k ij to zero, and second by adjusting a temperature-dependent binary interaction parameter (k ij ). All the models perform with comparable accuracy with adjusted binary interaction parameters. However, due to the large differences between the chemical and

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

    Directory of Open Access Journals (Sweden)

    Nijat Huseynov

    2018-03-01

    Full Text Available The Banking sector in Azerbaijan has been one of the most affected sectors and volatile due to the falling oil prices. In the recent years, the government’s approach to the banking sector has changed significantly. The national currency has depreciated against the foreign currencies. The main goal of this paper is to clarify the current situation and key challenges in the Azerbaijan Banking sector including assessing the role of the Central Bank of Azerbaijan Republic (CBA. In this paper, the crucial problems in the financial sector are also indicated and some key points for the future actions are recommended.

  14. Solubility investigation of ether and ester essential oils in water using spectrometry and GC/MS

    Directory of Open Access Journals (Sweden)

    B. Khodabandeloo

    2017-11-01

    Full Text Available Background and objectives: Essential oils (volatiles are aromatic oily liquids prepared from different parts of plants and demonstrate various therapeutic and cosmetic properties. The dissolution of essential oils are not desirable in water, therefore the aim of this research was evaluation and selection the best co-solvents for increasing their solubility and bio availability. Methods:The solubility of six  plants essential oils were investigated in presence of propylene glycol (PG, polyethylene glycol 300 (PEG, glycerin and ethanol as solvent and tween 80 or lecithin as co-solvent by observation and spectrophotometric assay. Chemical composition of the essential oils and supersaturated 50% ethanol (SSE and 50% PG or PEG (SSP solutions were analyzed by GC/MS, too. Results: Ester (Lavandula dentata, Heracleum persicum and, Elettaria cardamomum essential oils showed the best solubility in ethanol and PG, respectively. Ether (Foeniculum vulgare, Pimpinella anisum and Petroselinum crispum essential oils had the best solubility in ethanol and PEG, respectively. In ester class, mixture of ethanol/water was the best solvent according to solubility and total amounts of major compounds of the essential oils. In ether class, all samples had better solubility in mixtures of ethanol/water than PEG, but the amounts of total phenols or ethers in SSP of some samples were higher than SSE. Therefore selecting the best solvent for these class need more experiments. Conclusion: Selecting the solvent for essential oils changes their chemical composition; therefore the best solvent was different for various purposes.

  15. Solubility and Permeability Studies of Aceclofenac in Different Oils

    African Journals Online (AJOL)

    The solubility and permeability of aceclofenac were compared with the hydroalcoholic solution of ... the use of lipid based systems such as micro- or .... carriers/vehicles for enhanced solubility and permeability ... modifications: A recent review.

  16. Comparative toxicity of water soluble fractions of four oils on the growth of a Microalga

    Digital Repository Service at National Institute of Oceanography (India)

    Phatarpekar, P.V.; Ansari, Z.A.

    Toxic effects of water soluble fractions (WSF) of four different fuel oils on a microalga. Tetraselmis gracilis, were examined and compared. On applying different concentrations of WSF, a decrease in cell population was observed. Depending...

  17. Wetland mitigation banking for the oil and gas industry: Assessment, conclusions, and recommendations

    Energy Technology Data Exchange (ETDEWEB)

    Wilkey, P.L.; Sundell, R.C.; Bailey, K.A.; Hayes, D.C.

    1994-01-01

    Wetland mitigation banks are already in existence in the United States, and the number is increasing. To date, most of these banks have been created and operated for mitigation of impacts arising from highway or commercial development and have not been associated with the oil and gas industry. Argonne National Laboratory evaluated the positive and negative aspects of wetland mitigation banking for the oil and gas industry by examining banks already created for other uses by federal, state, and private entities. Specific issues addressed in this study include (1) the economic, ecological, and technical effectiveness of existing banks; (2) the changing nature of local, state, and federal jurisdiction; and (3) the unique regulatory and jurisdictional problems affecting bank developments associated with the oil and gas industry.

  18. Adequacy of environmental information for outer continental shelf oil and gas decisions: Georges Bank. Final report

    International Nuclear Information System (INIS)

    1991-01-01

    Georges Bank, a large, shallow marine bank with important fishery resources and possibly important oil and gas resources, lies east of Massachusetts in the territorial waters of both the United States and Canada. The Department of the Interior has planned since 1974 to lease parts of the north Atlantic outer continental shelf (OCS)--including part of Georges Bank--for oil and gas exploration. As a result of public concern about the environmental impacts of oil and gas production on the U.S. OCS, Congress declared a moratorium on drilling on Georges Bank and an area to the southwest. The report--by the NRC's Committee to Review the Outer Continental Shelf Environmental Studies Program and its panels on physical oceanography, ecology, and socioeconomics--reviews the adequacy of information bearing on the potential environmental impacts of OCS oil and gas activities for the Georges Bank sale area

  19. Bio-Oil Hydrotreatment for Enhancing Solubility in Biodiesel and the Oxydation Stability of Resulting Blends.

    Science.gov (United States)

    Botella, Lucía; Stankovikj, Filip; Sánchez, José L; Gonzalo, Alberto; Arauzo, Jesús; Garcia-Pérez, Manuel

    2018-01-01

    The major challenge for the pyrolytic conversion of lignocellulosic materials into crude bio-oil is the poor quality of the final product. Several strategies (addition of solvents, production of emulsions, and extraction with biodiesel) have been studied to improve its fuel properties. The extraction with biodiesel is an interesting solution because it allows direct utilization of some bio-oil fractions as fuels. However, fraction extracted with biodiesel is typically between 10 and 18 wt. %. In this paper we studied mild hydrotreatment of pyrolysis oil to enhance its solubility in biodiesel. The study was conducted with BTG and Amaron oils hydrotreated at temperatures between 200 and 325°C in the presence of Ru/C catalyst. Hydrotreated oils generated three phases: top oil (light hydrocarbons), middle aqueous phase and bottom heavy oil phase. Each of the phases was characterized and the content of acetic acid, phenols, aromatic compounds, and linear alkane hydrocarbons quantified. The upgraded bio-oils were more soluble in biodiesel than the crude bio-oils, obtaining blends with up to 48 and 38 wt. % for the BTG and Amaron bio-oil, respectively. Some of the fuel properties of the resulting blends are also reported here.

  20. Bio-Oil Hydrotreatment for Enhancing Solubility in Biodiesel and the Oxydation Stability of Resulting Blends

    Directory of Open Access Journals (Sweden)

    Lucía Botella

    2018-04-01

    Full Text Available The major challenge for the pyrolytic conversion of lignocellulosic materials into crude bio-oil is the poor quality of the final product. Several strategies (addition of solvents, production of emulsions, and extraction with biodiesel have been studied to improve its fuel properties. The extraction with biodiesel is an interesting solution because it allows direct utilization of some bio-oil fractions as fuels. However, fraction extracted with biodiesel is typically between 10 and 18 wt. %. In this paper we studied mild hydrotreatment of pyrolysis oil to enhance its solubility in biodiesel. The study was conducted with BTG and Amaron oils hydrotreated at temperatures between 200 and 325°C in the presence of Ru/C catalyst. Hydrotreated oils generated three phases: top oil (light hydrocarbons, middle aqueous phase and bottom heavy oil phase. Each of the phases was characterized and the content of acetic acid, phenols, aromatic compounds, and linear alkane hydrocarbons quantified. The upgraded bio-oils were more soluble in biodiesel than the crude bio-oils, obtaining blends with up to 48 and 38 wt. % for the BTG and Amaron bio-oil, respectively. Some of the fuel properties of the resulting blends are also reported here.

  1. Bio-oil Hydrotreatment for Enhancing Solubility in Biodiesel and the Oxydation Stability of Resulting Blends

    Science.gov (United States)

    Botella, Lucía; Stankovikj, Filip; Sánchez, José L.; Gonzalo, Alberto; Arauzo, Jesús; Garcia-Pérez, Manuel

    2018-04-01

    The major challenge for the pyrolytic conversion of lignocellulosic materials into crude bio-oil is the poor quality of the final product. Several strategies (addition of solvents, production of emulsions, and extraction with biodiesel) have been studied to improve its fuel properties. The extraction with biodiesel is an interesting solution because it allows direct utilization of some bio-oil fractions as fuels. However, fraction extracted with biodiesel is typically between 10 and 18 wt. %. In this paper we studied mild hydrotreatment of pyrolysis oil to enhance its solubility in biodiesel. The study was conducted with BTG and Amaron oils hydrotreated at temperatures between 200 and 325 °C in the presence of Ru/C catalyst. Hydrotreated oils generated three phases: top oil (light hydrocarbons), middle aqueous phase and bottom heavy oil phase. Each of the phases was characterized and the content of acetic acid, phenols, aromatic compounds and linear alkane hydrocarbons quantified. The upgraded bio-oils were more soluble in biodiesel than the crude bio-oils, obtaining blends with up to 48 and 38 wt. % for the BTG and Amaron bio-oil, respectively. Some of the fuel properties of the resulting blends are also reported here.

  2. Bio-Oil Hydrotreatment for Enhancing Solubility in Biodiesel and the Oxydation Stability of Resulting Blends

    Science.gov (United States)

    Botella, Lucía; Stankovikj, Filip; Sánchez, José L.; Gonzalo, Alberto; Arauzo, Jesús; Garcia-Pérez, Manuel

    2018-01-01

    The major challenge for the pyrolytic conversion of lignocellulosic materials into crude bio-oil is the poor quality of the final product. Several strategies (addition of solvents, production of emulsions, and extraction with biodiesel) have been studied to improve its fuel properties. The extraction with biodiesel is an interesting solution because it allows direct utilization of some bio-oil fractions as fuels. However, fraction extracted with biodiesel is typically between 10 and 18 wt. %. In this paper we studied mild hydrotreatment of pyrolysis oil to enhance its solubility in biodiesel. The study was conducted with BTG and Amaron oils hydrotreated at temperatures between 200 and 325°C in the presence of Ru/C catalyst. Hydrotreated oils generated three phases: top oil (light hydrocarbons), middle aqueous phase and bottom heavy oil phase. Each of the phases was characterized and the content of acetic acid, phenols, aromatic compounds, and linear alkane hydrocarbons quantified. The upgraded bio-oils were more soluble in biodiesel than the crude bio-oils, obtaining blends with up to 48 and 38 wt. % for the BTG and Amaron bio-oil, respectively. Some of the fuel properties of the resulting blends are also reported here. PMID:29675406

  3. Phase transitions, solubility, and crystallization kinetics of phytosterols and phytosterol-oil blends.

    Science.gov (United States)

    Vaikousi, Hariklia; Lazaridou, Athina; Biliaderis, Costas G; Zawistowski, Jerzy

    2007-03-07

    The thermal properties, solubility characteristics, and crystallization kinetics of four commercial phytosterol preparations (soy and wood sterols and stanols) and their blends with corn oil were examined. Differential scanning calorimetry (DSC) revealed narrow melting peaks between 138 and 145 degrees C for all phytosterol samples, reversible on rescan. Broader and less symmetrical melting transitions at lower temperatures with increasing oil content were observed for two samples of phytosterol-oil admixtures. The estimated, from the solubility law, deltaH values (34.7 and 70.7 mJ/mg for wood sterols and stanols, respectively), were similar to the DSC experimental data. Fatty acid esters of soy stanols differing in the chain length of the acyl groups (C2-C12) exhibited suppression of the melting point and increase of the fusion enthalpy with increasing chain length of the acyl group; the propionate ester exhibited the highest melting point (Tm: 151 degrees C) among all stanol-fatty acid esters. Solubility of phytosterols in corn oil was low (2-3% w/w at 25 degrees C) and increased slightly with a temperature rise. Plant sterols appeared more soluble than stanols with higher critical concentrations at saturation. The induction time for recrystallization of sterol-oil liquid blends, as determined by spectrophotometry, depended on the supersaturation ratio. The calculated interfacial free energies between crystalline sediments and oil were smaller for sterol samples (3.80 and 3.85 mJ/m2) than stanol mixtures (5.95 and 6.07 mJ/m2), in accord with the higher solubility of the sterol crystals in corn oil. The XRD patterns and light microscopy revealed some differences in the characteristics among the native and recrystallized in oil phytosterol preparations.

  4. Effect of Bombay high crude oil and its water-soluble fraction on growth and metabolism of diatom Thalassiosira sp.

    Digital Repository Service at National Institute of Oceanography (India)

    Parab, S.R.; Pandit, R.A.; Kadam, A.N.; Indap, M.M.

    Effect of Bombay high crude oil (BHC) and its water-soluble fraction (WSF) on growth and metabolism of the phytoplankton, Thalassiosira sp. was assessed. The study revealed the signs of acute toxicity at higher concentrations of crude oil (0...

  5. Toxicity of water-soluble fractions of biodiesel fuels derived from castor oil, palm oil, and waste cooking oil.

    Science.gov (United States)

    Leite, Maria Bernadete Neiva Lemos; de Araújo, Milena Maria Sampaio; Nascimento, Iracema Andrade; da Cruz, Andrea Cristina Santos; Pereira, Solange Andrade; do Nascimento, Núbia Costa

    2011-04-01

    Concerns over the sustained availability of fossil fuels and their impact on global warming and pollution have led to the search for fuels from renewable sources to address worldwide rising energy demands. Biodiesel is emerging as one of the possible solutions for the transport sector. It shows comparable engine performance to that of conventional diesel fuel, while reducing greenhouse gas emissions. However, the toxicity of products and effluents from the biodiesel industry has not yet been sufficiently investigated. Brazil has a very high potential as a biodiesel producer, in view of its climatic conditions and vast areas for cropland, with consequent environmental risks because of possible accidental biodiesel spillages into water bodies and runoff to coastal areas. This research determined the toxicity to two marine organisms of the water-soluble fractions (WSF) of three different biodiesel fuels obtained by methanol transesterification of castor oil (CO), palm oil (PO), and waste cooking oil (WCO). Microalgae and sea urchins were used as the test organisms, respectively, for culture-growth-inhibition and early-life-stage-toxicity tests. The toxicity levels of the analyzed biodiesel WSF showed the highest toxicity for the CO, followed by WCO and the PO. Methanol was the most prominent contaminant; concentrations increased over time in WSF samples stored up to 120 d. Copyright © 2010 SETAC.

  6. Development of a bank for ultrasonic characterization of olive oil

    International Nuclear Information System (INIS)

    Sabra Gemayel, M.N.; Zaatar, Y.; Zaouk, D.; El Hajj, A.; Honein, E.; Assaad, J.

    2015-01-01

    Olive oil has long been renowned for its nutritional and healthy values. These values are being continuously verified by new scientific results. Not all olive oils found in the market are, however,authentic. One of the ways to cheat in olive oil is to mix it with other, cheaper oils. The aim of our study is to develop an ultrasonic measurement system that would quickly detect the fraud in the olive oil and thus protect and preserve this quality product. By using ultrasonic waves of frequency 1.7MHz in transmission through the oils, we have obtained promising results for detection of different mixtures of olive oil with pure sunflower oil. Our results have shown an increasing ultrasonic speed for an increasing percentage of sunflower oil in the mixture. (author)

  7. Solubility of grape seed oil in supercritical CO2: Experiments and modeling

    International Nuclear Information System (INIS)

    Duba, Kurabachew Simon; Fiori, Luca

    2016-01-01

    Highlights: • Solubility of grape seed oil in SC-CO 2 for P: 20–50 MPa and T: 313–343 K. • Experimental procedure: dynamic method and oil dispersed on the surface of glass beads. • Eight density-based models and a thermodynamic model to fit the experimental data. • All the models predict the solubility of grape seed oil in SC-CO 2 to a reasonable degree. • Models by Chrastil, del Valle and Aguilera, Kumar and Johnston, and the thermodynamic model are preferable. - Abstract: The solubility of grape (Vitis vinifera L.) seed oil in supercritical CO 2 was measured in the temperature range 313–343 K and pressure range 20–50 MPa using the dynamic technique. Several data and global trends were reported. The results show that, at constant temperature, the solubility increases with the increase in pressure, while the effect of the temperature is different for low and high pressure. The experimental data were modeled by eight density-based models and a thermodynamic model based on the Peng-Robinson equation of state. By best fitting procedures, the “free parameters” of the various models were calculated: in general, all the tested models have proved to be able to predict the solubility of grape seed oil in supercritical CO 2 . Differences in model capabilities have been discussed based on the main characteristics of the various models, evidencing their distinct and common features. The predictive capability of the thermodynamic model was comparable to that of the density-based models.

  8. The impact of oil prices on the banking system in the Gulf Cooperation Council

    Directory of Open Access Journals (Sweden)

    Padamja Khandelwal

    2017-06-01

    Full Text Available This paper examines the links between global oil price movements and macroeconomic and financial developments in the Gulf Cooperation Council (GCC. The GCC economies can be adversely affected by low oil prices due to their high dependence on oil and gas exports and macro-financial linkages which can amplify the effects of oil price movements over the financial cycle. Historically, systemic financial sector risks rose in the GCC countries with the oil price upswing in the years before the global financial crisis. Against this background, a range of multivariate panel approaches, including a panel vector autoregression approach, were applied to macroeconomic and bank-level data covering the six GCC economies and span 1999–2014. The paper finds strong empirical evidence of feedback loops between oil price movements, bank balance sheets, and asset prices. Empirical evidence also suggests that bank capital and provisioning have behaved countercyclically through the cycle. That is, these ratios increase during good times. This has helped strengthen the resilience of the financial system to the oil price decline since mid-2014.

  9. Active avoidance from a crude oil soluble fraction by an Andean paramo copepod.

    Science.gov (United States)

    Araújo, Cristiano V M; Moreira-Santos, Matilde; Sousa, José P; Ochoa-Herrera, Valeria; Encalada, Andrea C; Ribeiro, Rui

    2014-09-01

    Several oil spills due to ruptures in the pipeline oil systems have occurred at the Andean paramo. A sample of this crude oil was mixed with water from a nearby Andean lagoon and the toxicity of the soluble fraction was assessed through lethal and avoidance assays with a locally occurring copepod (Boeckella occidentalis intermedia). The integration of mortality and avoidance aimed at predicting the immediate decline of copepod populations facing an oil leakage. The 24-h median lethal PAH concentration was 42.7 (26.4-91.6) µg L(-1). In the 12-h avoidance assay, 30% avoidance was recorded at the highest PAH concentration (19.4 µg L(-1)). The mortality at this PAH concentration would be of 25% and, thus, the population immediate decline would be of 55%. The inclusion of non-forced exposure testing with the quantification of the avoidance response in environmental risk assessments is, therefore, supported due to underestimation of the lethal assays.

  10. Islamic vs. Conventional Banking Role in Non-Oil Growth: A Causal Analysis in the Case of Bahrain

    Directory of Open Access Journals (Sweden)

    Abdallah Belhadia

    2014-12-01

    Full Text Available This paper aims to investigate the type of relationship between Islamic vs. Conventional banking and non-Oil economic growth in the case of Bahrain by using annual data 1990-2012 retrieved from Islamic banks and financial institutions information (Ibis-Online of the Islamic Bank of Development (IDB, World Bank development indicators (WB, and the Central Bank of Bahrain (CBB annual reports.This study employs the Johansen and Juselius Cointegration test and Vector Error Correction Model (VECM as well as Vector Autoregressive model (VAR to reveal the long run and short-run causality between the dual banking development and non-Oil GDP growth. The VECM results of the conventional banking show that there is long-run bidirectional causality between all the conventional banking selected indicators and the non-Oil GDP. For the Islamic banking VAR model, there is a unidirectional causality from Islamic banking indicators to the non-oil GDP. There is no evidence on the role of non-oil GDP on the Islamic banking development. Impulse response functions in the two models shows that through one standards deviation positive shock in Islamic vs. Conventional Credit provided to private sector, the non-Oil GDP will be much higher in the next five years if we stimulate the Islamic credit provided to private sector than the conventional banks.Moreover, the Islamic credit provided to the private sector appears to be more procyclical than the credit provided by the conventional banks. However, the fluctuations in the conventional credit are sharper than the Islamic banks’ private credit. This study provides the policy makers in Bahrain with the appropriate evidences to design their policies in fostering the non-Oil sector.

  11. Sunlight creates oxygenated species in water-soluble fractions of Deepwater horizon oil

    Energy Technology Data Exchange (ETDEWEB)

    Ray, Phoebe Z. [Department of Chemistry, University of New Orleans, New Orleans, LA 70148 (United States); Chen, Huan [National High Magnetic Field Laboratory, Florida State University, 1800 East Paul Dirac Drive, Tallahassee, FL 32310-4005 (United States); Podgorski, David C. [National High Magnetic Field Laboratory, Florida State University, 1800 East Paul Dirac Drive, Tallahassee, FL 32310-4005 (United States); Future Fuels Institute, Florida State University, 1800 East Paul Dirac Drive, Tallahassee, FL 32310-4005 (United States); McKenna, Amy M. [National High Magnetic Field Laboratory, Florida State University, 1800 East Paul Dirac Drive, Tallahassee, FL 32310-4005 (United States); Tarr, Matthew A., E-mail: mtarr@uno.edu [Department of Chemistry, University of New Orleans, New Orleans, LA 70148 (United States)

    2014-09-15

    Graphical abstract: Sunlight oxygenates petroleum. - Highlights: • Oxidation seen in water-soluble oil fraction after exposure to simulated sunlight. • Oxygen addition occurred across a wide range of carbon number and DBE. • Oil compounds were susceptible to addition of multiple oxygens to each molecule. • Results provide understanding of fate of oil on water after exposure to sunlight. - Abstract: In order to assess the impact of sunlight on oil fate, Macondo well oil from the Deepwater Horizon (DWH) rig was mixed with pure water and irradiated with simulated sunlight. After irradiation, the water-soluble organics (WSO) from the dark and irradiated samples were extracted and characterized by ultrahigh resolution Fourier transform ion cyclotron resonance mass spectrometry (FT-ICR MS). Liquid–liquid extraction yielded two fractions from dark and irradiated water/oil mixtures: acidic WSOs (negative-ion electrospray (ESI)), and base/neutral WSOs (positive-ion ESI) coupled to FT-ICR MS to catalog molecular-level transformations that occur to Macondo-derived WSOs after solar irradiation. Such direct measure of oil phototransformation has not been previously reported. The most abundant heteroatom class detected in the irradiated WSO acid fractions correspond to molecules that contain five oxygens (O{sub 5}), while the most abundant acids in the dark samples contain two oxygen atoms per molecule (O{sub 2}). Higher-order oxygen classes (O{sub 5}–O{sub 9}) were abundant in the irradiated samples, but <1.5% relative abundance in the dark sample. The increased abundance of higher-order oxygen classes in the irradiated samples relative to the dark samples indicates that photooxidized components of the Macondo crude oil become water-soluble after irradiation. The base/neutral fraction showed decreased abundance of pyridinic nitrogen (N{sub 1}) concurrent with an increased abundance of N{sub 1}O{sub x} classes after irradiation. The predominance of higher

  12. Geochemical analysis may indicate oil kitchen near Seychelles bank

    Energy Technology Data Exchange (ETDEWEB)

    Plummer, P.S. (Seychelles National Oil Co., Victoria, Mahe, Seychelles (CA))

    1992-08-31

    This paper reports that the regular occurrence of tarballs on beaches in the Seychelles archipelago attests to the presence of a mature and generating hydrocarbon kitchen in the Mesozoic succession on and/or adjacent to the Seychelles bank. Since 1978 many tarballs have been collected and analyzed form Coetivy Island while, despite a seemingly annual occurrence of tarballs on the main island of Mahe and nearby Silhouette some 300-350 km to the north northwest, to date only one such sample has been analyzed from each island.

  13. Experimental determination of solubility parameters of oils as a function of pressure

    DEFF Research Database (Denmark)

    Verdier, Sylvain Charles Roland; Duong, Diep; Andersen, Simon Ivar

    2005-01-01

    In this work, the solubility parameter of dead and live crude oils was measured at 303.15 K and up to 300 bar, using the internal pressure approach. An indirect technique was chosen, using thermal expansivities (determined from microcalorimetric measurements) and isothermal compressibilities (cal...... are measured and given as input. Therefore, a more appropriate characterization method should give better results....... (calculated from density measurements). This method was tested on seven pure compounds, and the deviation with literature data is method based on the refractive index was used to examine the validity of the results for the oils, and a deviation of ... parameter was also calculated from two cubic equations of state and compared to experimental results. In this case, the deviations are larger (up to 6.5 MPa1/2), whereas this approach gives accurate results for pure compounds. This might be due to the characterization procedure, because the volumes...

  14. Effect of Different Inclusion Level of Condensed Distillers Solubles Ratios and Oil Content on Amino Acid Digestibility of Corn Distillers Dried Grains with Solubles in Growing Pigs

    Directory of Open Access Journals (Sweden)

    P. Li

    2015-01-01

    Full Text Available The purpose of this experiment was to determine and compare the digestibility of crude protein (CP and amino acids (AA in full-oil (no oil extracted and de-oiled (oil extracted corn distillers dried grains with solubles (DDGS with different condensed distillers solubles (CDS ratios. Six barrows (29.6±2.3 kg fitted with ileal T-cannula were allotted into a 6×6 Latin square design. Each period was comprised of a 5-d adaption period followed by a 2-d collection of ileal digesta. The five test diets contained 62% DDGS as the sole source of AA. A nitrogen-free diet was used to measure the basal endogenous losses of CP and AA. Chromic oxide (0.3% was used as an index in each diet. The results showed that CP and AA were very similar in 5 DDGS, but the standardized ileal digestibility (SID of lysine (from 56.16% to 71.15% and tryptophan (from 54.90% to 68.38% had the lowest values and largest variation within the essential AA, which suggests reduced availability of AA and different levels of Maillard reactions in the five DDGS. The apparent ileal digestibility and SID of CP and most of AA in full-oil DDGS (sources 1 and 2 were greater (p0.05 than full-oil with high CDS ratio DDGS (source 2; however, the SID of most AA of de-oiled with low CDS ratios DDGS (source 3 were non-significantly lower (p>0.05 than de-oiled with high CDS ratio DDGS (source 4; and the de-oiled DDGS with middle CDS ratio (source 5 but with different drying processing had the lowest SID AA values. In conclusion, de-oiled DDGS had lower SID of CP and AA than full-oil DDGS; a higher CDS ratio tended to decrease the SID of AA in full-oil DDGS but not in de-oiled DDGS; and compared with CDS ratio, processing, especially drying, may have more of an effect on AA digestibility of DDGS.

  15. Characterization of the Water-Soluble Fraction of Woody Biomass Pyrolysis Oils

    Energy Technology Data Exchange (ETDEWEB)

    Stankovikj, Filip; McDonald, Armando G.; Helms, Gregory L.; Olarte, Mariefel V.; Garcia-Perez, Manuel

    2017-01-31

    This paper reports a study of the chemical composition of the water soluble (WS) fraction obtained by cold water precipitation of two commercial wood pyrolysis oils (BTG and Amaron). The fraction studied accounts for between 50.3 and 51.3 wt. % of the oils. With the most common analytical techniques used today for the characterization of this fraction (KF titration, GC/MS, hydrolysable sugars and total carbohydrates), it is possible to quantify only between 45 and 50 wt. % of it. Our results confirm that most of the total carbohydrates (hydrolysable sugars and non-hydrolysable) are soluble in water. The ion chromatography hydrolysis method showed that between 11.6 and 17.3 wt. % of these oils were hydrolysable sugars. A small quantity of phenols detectable by GC/MS (between 2.5 and 3.9 wt. %) were identified. It is postulated that the unknown high molecular weight fraction (30-55 wt. %) is formed by highly dehydrated sugars rich in carbonyl groups and WS phenols. The overall content of carbonyl, carboxyl, hydroxyl and phenolic compounds in the WS fraction were quantified by titration, Folin-Ciocalteu, 31P-NMR and 1H-NMR. The WS fraction contains between 5.5 and 6.2 mmol/g of carbonyl groups, between 0.4 and 1.0 mmol/g of carboxylic acid groups, between 1.2 and 1.8 mmol/g phenolic -OH, and between 6.0 and 7.9 mmol/g of aliphatic alcohol groups. Translation into weight fractions of the WS was done by supposing surrogate structures for the water soluble phenols, carbonyl and carboxyl groups and we estimated the content of WS phenols (21-27 wt. %), carbonyl (5-14 wt.%), and carboxyl (0-4 wt.%). Together with the total carbohydrates (23-27 wt.%), this approach leads to > 90 wt. % of the WS material in the bio-oils being quantified. We speculate the larger portion of the difference between the total carbohydrates and hydrolysable sugars is the missing furanic fraction. Further refinement of the suggested methods and development of separation schemes to obtain and

  16. Microflow Mechanism of Oil Displacement by Viscoelastic Hydrophobically Associating Water-Soluble Polymers in Enhanced Oil Recovery

    Directory of Open Access Journals (Sweden)

    Huiying Zhong

    2018-06-01

    Full Text Available Polymer flooding plays an important role in enhanced oil recovery (EOR, particularly in China, where partially hydrolyzed polyacrylamide (HPAM and hydrophobically associating water-soluble polymers (HAWP are used in onshore and offshore reservoirs, respectively. Many researchers have highlighted the elasticity of HPAM, which can be used to improve the sweep efficiency, i.e., the ratio of the area swept by an injected fluid to the oil area. On the other hand, fewer studies exist on the elasticity of HAWP. In this study, we investigate the flow of HAWP and Xanthan solutions with identical viscosities in core experiments in terms of elasticity; results reveal that the HAWP can produce shear thickening in the core. The constitutive equation for the HAWP can be obtained using the simulation results matched with the experimental data. On the basis of these experiments, we established a two-phase flow model of a polymer and oil, including the continuity, momentum, constitutive, and phase equations. The volume-of-fluid (VOF method was used to track the interface between the two phases. A complex pore model was established based on the glass-etched model used in the experiment. We used the OpenFOAM platform to solve the mathematical model. The saturation, pressure, and stress tensor distributions were obtained. The results show that the displacement efficiency increased as the elasticity of the polymer increased; accordingly, the elasticity can enlarge the sweep area and decrease the residual oil saturation. As the elasticity increases, the stresses (the first normal stress, second normal stress, and shear stress increase. Finally, the results obtained in this study can be used as a guideline in polymer design, screening, and optimization in the polymer flooding oilfields.

  17. Full Characterization of CO2-Oil Properties On-Chip: Solubility, Diffusivity, Extraction Pressure, Miscibility, and Contact Angle.

    Science.gov (United States)

    Sharbatian, Atena; Abedini, Ali; Qi, ZhenBang; Sinton, David

    2018-02-20

    Carbon capture, storage, and utilization technologies target a reduction in net CO 2 emissions to mitigate greenhouse gas effects. The largest such projects worldwide involve storing CO 2 through enhanced oil recovery-a technologically and economically feasible approach that combines both storage and oil recovery. Successful implementation relies on detailed measurements of CO 2 -oil properties at relevant reservoir conditions (P = 2.0-13.0 MPa and T = 23 and 50 °C). In this paper, we demonstrate a microfluidic method to quantify the comprehensive suite of mutual properties of a CO 2 and crude oil mixture including solubility, diffusivity, extraction pressure, minimum miscibility pressure (MMP), and contact angle. The time-lapse oil swelling/extraction in response to CO 2 exposure under stepwise increasing pressure was quantified via fluorescence microscopy, using the inherent fluorescence property of the oil. The CO 2 solubilities and diffusion coefficients were determined from the swelling process with measurements in strong agreement with previous results. The CO 2 -oil MMP was determined from the subsequent oil extraction process with measurements within 5% of previous values. In addition, the oil-CO 2 -silicon contact angle was measured throughout the process, with contact angle increasing with pressure. In contrast with conventional methods, which require days and ∼500 mL of fluid sample, the approach here provides a comprehensive suite of measurements, 100-fold faster with less than 1 μL of sample, and an opportunity to better inform large-scale CO 2 projects.

  18. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

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

  19. Partitioning of semi-soluble organic compounds between the water phase and oil droplets in produced water

    Energy Technology Data Exchange (ETDEWEB)

    Faksness, Liv-Guri; Grini, Per Gerhard; Daling, Per S

    2004-04-01

    When selecting produced water treatment technologies, one should focus on reducing the major contributors to the total environmental impact. These are dispersed oil and semi-soluble hydrocarbons, alkylated phenols, and added chemicals. Experiments with produced water have been performed offshore on the Statoil operated platforms Gullfaks C and Statfjord B. These experiments were designed to find how much of the environmentally relevant compounds were dissolved in the water phase and not associated to the dispersed oil in the produced water. Results show that the distribution between the dispersed oil and the water phase varies highly for the different components groups. For example the concentration of PAHs and the C6-C9 alkylated phenols is strongly correlated to the content of dispersed oil. Therefore, the technologies enhancing the removal of dispersed oil have a higher potential for reducing the environmental impact of the produced water than previously considered.

  20. Partitioning of semi-soluble organic compounds between the water phase and oil droplets in produced water

    International Nuclear Information System (INIS)

    Faksness, Liv-Guri; Grini, Per Gerhard; Daling, Per S.

    2004-01-01

    When selecting produced water treatment technologies, one should focus on reducing the major contributors to the total environmental impact. These are dispersed oil and semi-soluble hydrocarbons, alkylated phenols, and added chemicals. Experiments with produced water have been performed offshore on the Statoil operated platforms Gullfaks C and Statfjord B. These experiments were designed to find how much of the environmentally relevant compounds were dissolved in the water phase and not associated to the dispersed oil in the produced water. Results show that the distribution between the dispersed oil and the water phase varies highly for the different components groups. For example the concentration of PAHs and the C6-C9 alkylated phenols is strongly correlated to the content of dispersed oil. Therefore, the technologies enhancing the removal of dispersed oil have a higher potential for reducing the environmental impact of the produced water than previously considered

  1. Effects of acute and chronic exposition on larvae of pejerrey Odontesthes Argentinensis to water soluble fraction (WSF) of crude oil

    Energy Technology Data Exchange (ETDEWEB)

    Gusmao, Emeline P.; Rodrigues, Ricardo V.; Moreira, Caue B.; Seyffert, Bianca; Ignacio, Gabriela; Fillmann, Gilberto; Sampaio, Luis A.; Miranda-Filho, Kleber C. [Fundacao Universidade do Rio Grande (FURG), RS (Brazil)

    2008-07-01

    Petroleum is considered one of the greatest marine water pollutants, but there have been few studies on the impact of oil on biota. The water-soluble fraction (WSF) of a crude oil contains a mixture of polycyclic aromatic hydrocarbons (PAHs), phenols and heterocyclic compounds. Marine 'pejerrey' Odontesthes argentinensis (Teleostei: Atherinopsidae) is a important commercial species in Brazilian southern region and has great potential for mariculture. The aim of this study was to investigate the lethal and sub-lethal effects of the WSF crude oil exposition on the early life stages of O. argentinensis using acute (96 hours) and chronic (21 days) toxicity tests. Water-soluble fraction of heavy crude oil was prepared using a ratio of one part crude oil to nine parts filtered seawater and mixing for 24 h. Newly hatched larvae and 17 days old larvae were used for the tests, respectively. According to the results, median lethal concentration (LC50) was estimated in 55.0% of the WSF and safe level was estimated in 5.5% of WSF. These data can be used as a tool in environmental conservation studies. Heavy crude oil WSF presented total PAHs of 197.83 ng/mL and total BTEX of 106.1 {mu}g/L. (author)

  2. Identification of water-soluble heavy crude oil organic-acids, bases, and neutrals by electrospray ionization and field desorption ionization fourier transform ion cyclotron resonance mass spectrometry.

    Science.gov (United States)

    Stanford, Lateefah A; Kim, Sunghwan; Klein, Geoffrey C; Smith, Donald F; Rodgers, Ryan P; Marshall, Alan G

    2007-04-15

    We identify water-soluble (23 degrees C) crude oil NSO nonvolatile acidic, basic, and neutral crude oil hydrocarbons by negative-ion ESI and continuous flow FD FT-ICR MS at an average mass resolving power, m/deltam50% = 550,000. Of the 7000+ singly charged acidic species identified in South American crude oil, surprisingly, many are water-soluble, and much more so in pure water than in seawater. The truncated m/z distributions for water-soluble components exhibit preferential molecular weight, size, and heteroatom class influences on hydrocarbon solubility. Acidic water-soluble heteroatomic classes detected at >1% relative abundance include O, O2, O3, O4, OS, O2S, O3S, O4S, NO2, NO3, and NO4. Parent oil class abundance does not directly relate to abundance in the water-soluble fraction. Acidic oxygen-containing classes are most prevalent in the water-solubles, whereas acidic nitrogen-containing species are least soluble. In contrast to acidic nitrogen-containing heteroatomic classes, basic nitrogen classes are water-soluble. Water-soluble heteroatomic basic classes detected at >1% relative abundance include N, NO, NO2, NS, NS2, NOS, NO2S, N2, N2O, N2O2, OS, O2S, and O2S2.

  3. Oil-soluble and water-soluble BTPhens and their europium complexes in octanol/water solutions: interface crossing studied by MD and PMF simulations.

    Science.gov (United States)

    Benay, G; Wipff, G

    2013-01-31

    Bistriazinyl-phenantroline "BTPhen" ligands L display the remarkable feature to complex trivalent lanthanide and actinide ions, with a marked selectivity for the latter. We report on molecular dynamics studies of tetrasubstituted X(4)BTPhens: L(4+) (X = (+)Et(3)NCH(2)-), L(4-) (X = (-)SO(3)Ph-), and L(0) (X = CyMe(4)) and their complexes with Eu(III) in binary octanol/water solutions. Changes in free energies upon interface crossing are also calculated for typical solutes by potential of mean force PMF simulations. The ligands and their complexes partition, as expected, to either the aqueous or the oil phase, depending on the "solubilizing" group X. Furthermore, most of them are found to be surface active. The water-soluble L(4+) and L(4-) ligands and their (L)Eu(NO(3))(3) complexes adsorb at the aqueous side of the interface, more with L(4-) than with L(4+). The oil soluble ligand L(0) is not surface active in its endo-endo form but adsorbs on the oil side of the interface in its most polar endo-exo form, as well as in its protonated L(0)H(+) and complexed (L(0))Eu(NO(3))(3) states. Furthermore, comparing PMFs of the Eu(III) complexes with and without nitric acid shows that acidifying the aqueous phase has different effects, depending on the ligand charge. In particular, acid promotes the Eu(III) extraction by L(0) via the (L(0))(2)Eu(NO(3))(2+) complex, as observed experimentally. Overall, the results point to the importance of interfacial adsorption for the liquid-liquid extraction of trivalent lanthanide and actinide cations by BTPhens and analogues.

  4. Assessment of fish health around the Terra Nova oil development site on the Grand Banks

    Energy Technology Data Exchange (ETDEWEB)

    Mathieu, A.; Hanlon, J.; Melvin, W.; French, B. [Oceans Ltd., St. John' s, NL (Canada); Myers, M. [Northwest Fisheries Science Center, Seattle, WA (United States); Williams, U.; Janes, G. [Petro-Canada, East Coast Operations, St. John' s, NL (Canada); Wight, F. [Husky Oil Operations Ltd., St. John' s, NL (Canada)

    2010-07-01

    American plaice are used as an indicator species for environmental effects monitoring (EEM) programs in the Grand Banks area of Newfoundland. This study reported on fish health studies conducted between 2000 to 2006 at the Terra Nova oil development site before and after the release of produced waters. A total of 500 fishes were studied for a 5-year period in order to evaluate health effect indicators including fish condition; visible skin and organ lesions; levels of mixed-function-oxygenase (MFO) enzymes; haematology; and various histopathological indices in the liver and gills. The study demonstrated slight elevations of MFO enzyme activity in fish from the development site in 2002, before the release of produced water. On the basis of the various studied indicators, results suggest that the project is not having a significant impact on the health of American plaice.

  5. Assessment of fish health around the Terra Nova oil development site on the Grand Banks

    International Nuclear Information System (INIS)

    Mathieu, A.; Hanlon, J.; Melvin, W.; French, B.; Myers, M.; Williams, U.; Janes, G.; Wight, F.

    2010-01-01

    American plaice are used as an indicator species for environmental effects monitoring (EEM) programs in the Grand Banks area of Newfoundland. This study reported on fish health studies conducted between 2000 to 2006 at the Terra Nova oil development site before and after the release of produced waters. A total of 500 fishes were studied for a 5-year period in order to evaluate health effect indicators including fish condition; visible skin and organ lesions; levels of mixed-function-oxygenase (MFO) enzymes; haematology; and various histopathological indices in the liver and gills. The study demonstrated slight elevations of MFO enzyme activity in fish from the development site in 2002, before the release of produced water. On the basis of the various studied indicators, results suggest that the project is not having a significant impact on the health of American plaice.

  6. Seed biometric parameters in oil palm accessions from a Brazilian germplasm bank

    Directory of Open Access Journals (Sweden)

    Julcéia Camillo

    2014-08-01

    Full Text Available The objective of this work was to evaluate the morphological diversity of oil palm seeds and to cluster the accessions according to their morphological characteristics. Forty-one accessions from the oil palm germplasm bank of Embrapa Amazônia Ocidental were evaluated - 18 of Elaeis oleifera and 23 of E. guineensis. The groups were formed based on morphological characteristics, by principal component analysis. In E. oleifera, four groups were formed, tied to their region of origin, but with significant morphological differences between accessions from the same population. For tenera-type E. guineensis seeds, three widely divergent groups were formed, especially as to external parameters, which differentiated them from the other ones. The parameter endocarp thickness stood out in intra- and inter-population differentiation. For dura-type E. guineensis, three groups were formed, with larger seeds and thicker endocarps, which differed from all the other ones. The variability observed for seed characteristics in the analyzed accessions allows the establishment of different groups, to define strategies for genetic improvement.

  7. Salinity impacts on water solubility and n-octanol/water partition coefficients of selected pesticides and oil constituents.

    Science.gov (United States)

    Saranjampour, Parichehr; Vebrosky, Emily N; Armbrust, Kevin L

    2017-09-01

    Salinity has been reported to influence the water solubility of organic chemicals entering marine ecosystems. However, limited data are available on salinity impacts for chemicals potentially entering seawater. Impacts on water solubility would correspondingly impact chemical sorption as well as overall bioavailability and exposure estimates used in the regulatory assessment. The pesticides atrazine, fipronil, bifenthrin, and cypermethrin, as well as the crude oil constituent dibenzothiophene together with 3 of its alkyl derivatives, all have different polarities and were selected as model compounds to demonstrate the impact of salinity on their solubility and partitioning behavior. The n-octanol/water partition coefficient (K OW ) was measured in both distilled-deionized water and artificial seawater (3.2%). All compounds had diminished solubility and increased K OW values in artificial seawater compared with distilled-deionized water. A linear correlation curve estimated salinity may increase the log K OW value by 2.6%/1 log unit increase in distilled water (R 2  = 0.97). Salinity appears to generally decrease the water solubility and increase the partitioning potential. Environmental fate estimates based on these parameters indicate elevated chemical sorption to sediment, overall bioavailability, and toxicity in artificial seawater. These dramatic differences suggest that salinity should be taken into account when exposure estimates are made for marine organisms. Environ Toxicol Chem 2017;36:2274-2280. © 2017 SETAC. © 2017 SETAC.

  8. Optimized mixed oils remarkably reduce the amount of surfactants in microemulsions without affecting oral bioavailability of ibuprofen by simultaneously enlarging microemulsion areas and enhancing drug solubility.

    Science.gov (United States)

    Chen, Yizhen; Tuo, Jue; Huang, Huizhi; Liu, Dan; You, Xiuhua; Mai, Jialuo; Song, Jiaqi; Xie, Yanqi; Wu, Chuanbin; Hu, Haiyan

    2015-06-20

    The toxicity and irritation associated with high amounts of surfactants restrict the extensive utilization of microemulsions. To address these shortcomings, employing mixed oils to enlarge microemulsion areas therefore reducing surfactant contents is a promising strategy. However, what kinds of mixed oils are more efficient in enlarging microemulsion areas still remains unclear. In this research, we found that the chain length and degree of unsaturation of oils play a key role in enlarging microemulsion areas. The combination of moderate chain saturated oil caprylic/capric triglyceride (GTCC) with long chain unsaturated oil glycerol trioleate significantly increased the microemulsion areas. Solubility of ibuprofen in the mixed oils was unexpectedly and remarkably increased (almost 300mg/mL) compared with that (around 100mg/mL) of the single oil (GTCC), which also resulted in greatly increased solubility of ibuprofen in mixed oils-containing microemulsions. By optimizing the mixed oil formulation, the absolute amount of surfactant in drug-loaded microemulsions was reduced but increased drug oral bioavailability in rats was maintained. It could be concluded that the combined use of moderate chain oils and long chain unsaturated oils could not only acquire enlarged microemulsion areas but also enhanced drug solubility, therefore doubly reducing surfactant amount, which is extremely beneficial for developing safe microemulsions. Copyright © 2015. Published by Elsevier B.V.

  9. Study of methane solubility in oil base used in oil base drilling fluid; Estudo da solubilidade de metano em base oleo utilizada em fluido de perfuracao base oleo

    Energy Technology Data Exchange (ETDEWEB)

    Silva, Carolina Teixeira da; Mariolani, Jose Ricardo Lenzi [Universidade Estadual de Campinas, SP (Brazil); Ribeiro, Paulo Roberto; Lomba, Rosana Fatima Teixeira; Bonet, Euclides Jose

    2004-07-01

    During drilling a well, it is necessary to prevent and control high pressurized zones because while drilling on those zones, could occur a kick if the formation pressure were higher then downhole pressure, allowing the entering of undesirables fluids from the formation to the wellbore. If the well is not controlled this kick could became a blowout, generating damages to the environment, to the equipment and the human life. When drilling using oil-based mud, the concern related to the well control would be higher due the gas solubility in the mud, which could make it hard to detect the kick, especially in deep and ultra deep waters. In this work we have studied the interaction between methane and organic liquids used in drilling fluids, and the measurement and analysis of the thermodynamic properties of those gas liquid mixtures. There have been measured parameters like the oil formation volume factor (FVF{sub o}), bubble pressure, solubility (Rs) and the density of the saturated liquid in function of methane mole fraction and temperature. The results have shown that the gas solubility, at downhole conditions and during kick circulation, is a factor very important to the safety during well drilling in deep and ultra deep waters. (author)

  10. Mutual Solubility Study in Supercritical Fluid Extraction of Tocopherols from Crude Palm Oil Using CO2 Solvent

    Directory of Open Access Journals (Sweden)

    Suhairi A. Sata

    2010-09-01

    Full Text Available In this article, the mutual solubility of tocopherols from crude palm oil was studied using carbon dioxide as a solvent at the temperatures of 80, 100 and 120 ºC. Each sample from the phase equilibrium unit contained two parts. The liquid part was analyzed by gas chromatography (GC in order to measure the tocopherol composition and, on the other hand, the vapor phase was conducted in an expansion vessel in order to measure the pressure increment during the expansion process. Two phase equilibrium data was calculated using the liquid phase composition and pressure increments during the expansion process. Results showed that the maximum solubility of tocopherols was around 2.27% at a temperature of 120 ºC and at pressure of 5.44 MPa.

  11. Bioindicator and fish health studies around the Terra Nova oil development site on the Grand Banks

    Energy Technology Data Exchange (ETDEWEB)

    Mathieu, A.; Hanlon, J.; Melvin, W.; French, B. [Oceans Ltd., St. John' s, NL (Canada); DeBlois, E. [Elisabeth DeBlois Inc., St. John' s, NL (Canada); Williams, U.; Wight, F.; Janes, G. [Petro-Canada, St. John' s, NL (Canada)

    2009-07-01

    Bioindicators or health effect indicators can be a valuable reconnaissance tool for addressing concerns on the part of the fishing industry and public interests regarding any potential impacts of pollutants on fish stocks. American plaice (Hippoglossoides platessoides) was initially chosen by the oil industry as an indicator species for Environmental Effects Monitoring (EEM) programs in the Grand Banks of Newfoundland because it is an important commercial flatfish. This presentation reported on fish health studies carried out at the Terra Nova development site before and after release of produced waters, which began in 2003. These studies represented 1 component of the overall Terra Nova EEM program. Fish were collected near the development area and in a reference area 20 km away. A broad range of health effect indicators were studied, including fish condition, visible skin and organ lesions, levels of mixed-function oxygenase (MFO) enzymes, haematology and an array of 19 histopathological indices in liver and gills. These indicators have been widely used in laboratory and field investigations with various fish species. A slight elevation of MFO enzyme activity was observed in fish from the development area in 2002, before release of produced water. In 2006, other indices were similar between the development and reference area. It was concluded that the overall results do not indicate any project effects.

  12. Cashing in on Tar Sands. RBS, UK banks and Canada's 'blood oil'

    Energy Technology Data Exchange (ETDEWEB)

    Evans, M.; Howarth, C.; Kellay, A.; Laboucan, B.J.; Mercredi, M.; Minio-Paluelo, M.; Schling, H.; Smith, K.; Thomas-Muller, C.; Wood, A.

    2010-03-15

    Tar sands extraction in Canada is devastating Indigenous communities, wildlife and vast areas of boreal forests, as well as being many times more carbon-intensive to produce than 'conventional' oil. The higher oil prices in recent years have meant that it's become a more attractive prospect for oil companies to expand their operations in the costly process of obtaining and processing the thick bitumen into a usable form. It's estimated that the industry is looking for a capital investment of 120-220 billion USD over the next 20 years to build the new pipelines, mines, refineries and upgraders that are necessary to sustain the boom. This report looks at the role that UK banks are playing in providing the necessary capital, and how RBS (Royal Bank of Scotland), which is 84% owned by the UK public, has been the bank the most heavily involved in underwriting loans to companies engaging in tar sands extraction.

  13. Coated carbide drill performance under soluble coconut oil lubricant and nanoparticle enhanced MQL in drilling AISI P20

    Science.gov (United States)

    Jamil, N. A. M.; Azmi, A. I.; Fairuz, M. A.

    2016-02-01

    This research experimentally investigates the performance of a TiAlN coated carbide drill bit in drilling AISI P20 through two different kinds of lubricants, namely; soluble coconut oil (SCO) and nanoparticle-enhanced coconut oil (NECO) under minimum quantity lubrication system. The tool life and tool wear mechanism were studied using various cutting speeds of 50, 100 and 150 m/min with a constant feed of 0.01 mm/rev. Since the flank wear land was not regular along the cutting edge, the average flank wear (VB) was measured at several points using image analysis software. The drills were inspected using a scanning electron microscope to further elucidate the wear mechanism. The result indicates that drilling with the nanoparticle- enhanced lubricant was better in resisting the wear and improving the drill life to some extent

  14. Preparation of Essential Oil-Based Microemulsions for Improving the Solubility, pH Stability, Photostability, and Skin Permeation of Quercetin.

    Science.gov (United States)

    Lv, Xia; Liu, Tiantian; Ma, Huipeng; Tian, Yan; Li, Lei; Li, Zhen; Gao, Meng; Zhang, Jianbin; Tang, Zeyao

    2017-11-01

    Quercetin can bring many benefits to skin based on its various bioactivities. However, the therapeutic effect of quercetin is limited due to the poor water solubility, pH instability, light instability, and skin permeation. The aim of the present work was applying essential oil-based microemulsions to improve the solubility, pH stability, photostability, and skin permeation of quercetin for topical application. Peppermint oil (PO-ME), clove oil (CO-ME), and rosemary oil (RMO-ME) were selected as model essential oils. Microemulsions composed of Cremophor EL/1,2-propanediol/essential oils (47:23:30, w/w) were selected as model formulations, based on the pseudo-ternary phase diagram and the characterizations. In the solubility study, the solubility of quercetin was improved dozens of times by microemulsions. Quercetin was found instable under alkaline condition, with 50% degraded in the solution of pH 13. However, PO-ME, CO-ME, and RMO-ME could protect quercetin from the hydroxide ions, with 47, 9, and 12% of quercetin degraded. In the photostability study, the essential oil-based microemulsions showed the capability of protecting quercetin from degradation under UV radiation. Where more than 67% of quercetin was degraded in aqueous solution, while less than 7% of quercetin degraded in microemulsions. At last, the in vitro skin permeation study showed that the essential oil-based microemulsions could enhance the permeation capacity of quercetin by 2.5-3 times compared to the aqueous solution. Hence, the prepared essential oil microemulsions could improve the solubility, pH stability, photostability, and skin permeation of quercetin, which will be beneficial for its topical application.

  15. Effects of water-soluble oil fractions on the heart of marine molluscs. [Strombus gigus, Bursatella leachi

    Energy Technology Data Exchange (ETDEWEB)

    Berdysheva, L; Perez, R; Valle, R

    1986-01-01

    The effects of water-soluble oil fractions (WSFs) have been studied on the isolated heart of gastropods Strombus gigas and Bursatella leachi, in particular their effects on the myocardium and on its interaction with neuro transmitters: acetylcholine (ACh) and serotonin (5-HT). The WSFs were shown to be effective even when very diluted. The stock solution (10/sup -3/) was obtained by dissolving 1 ml of crude oil in 1 liter of sea water. The WSFs at concentrations of 10/sup -8/ to 10/sup -7/ and 10/sup -4/ to 10/sup -3/ increased the amplitude and frequency of heart contractions but at concentrations of 10/sup -6/ to 10/sup -5/ induced the cardiac arrest. These concentrations correspond to those occurring when the oil is dumped into the sea. The Ach effect was partially or completely blocked against the background of the stimulating effect of the WSFs and the inotropic effect of 5-HT was blocked at higher concentrations of the WSFs (up to 10/sup -3/). The higher the heart sensitivity to the transmitters, the stronger is the damaging effect of the WSFs. The data obtained suggest that oil, even when very diluted, affects the activity of the cardiac muscle and its nervous regulation.

  16. An injectable hybrid nanoparticle-in-oil-in-water submicron emulsion for improved delivery of poorly soluble drugs

    Science.gov (United States)

    Wang, Shuo; Wang, Hua; Liang, Wenquan; Huang, Yongzhuo

    2012-04-01

    Poor drugability problems are commonly seen in a class of chemical entities with poor solubility in water and oil, and moreover, physicochemical instability of these compounds poses extra challenges in design of dosage forms. Such problems contribute a significant high failure rate in new drug development. A hybrid nanoparicle-in-oil-in-water (N/O/W) submicron emulsion was proposed for improved delivery of poorly soluble and unstable drugs (e.g., dihydroartemisinin (DHA)). DHA is known for its potent antimalarial effect and antitumor activity. However, its insolubility and instability impose big challenges for formulations, and so far, no injectable dosage forms are clinically available yet. Therefore, an injectable DHA N/O/W system was developed. Unlike other widely-explored systems (e.g., liposomes, micelles, and emulsions), in which low drug load and only short-term storage are often found, the hybrid submicron emulsion possesses three-fold higher drug-loading capacity than the conventional O/W emulsion. Of note, it can be manufactured into a freeze-drying form and can render its storage up to 6 months even in room temperature. The in vivo studies demonstrated that the PK profiles were significantly improved, and this injectable system was effective in suppressing tumor growth. The strategy provides a useful solution to effective delivery of such a class of drugs.

  17. Effect of Acid Hydrolysis and Thermal Hydrolysis on Solubility and Properties of Oil Palm Empty Fruit Bunch Fiber Cellulose Hydrogel

    Directory of Open Access Journals (Sweden)

    Sinyee Gan

    2015-11-01

    Full Text Available Cellulose hydrogel was produced from pretreated oil palm empty fruit bunch fiber (EFB that went through acid hydrolysis and thermal hydrolysis. The pretreated EFB was dissolved in LiOH/urea aqueous solution using the rapid dissolution method and was subjected to a crosslinking process with the aid of epichlorohydrin to form hydrogel. The effects of both hydrolyses’ time on average molecular weight (Mŋ, solubility, and properties of EFB hydrogels were evaluated. Both hydrolyses led to lower Mŋ, lower crystallinity index (CrI and hence, resulted in higher cellulose solubility. X-ray diffraction (XRD characterization revealed the CrI and transition of crystalline structure of EFB from cellulose I to II. The effects of hydrolysis time on the transparency, degree of swelling (DS, and morphology of the regenerated cellulose hydrogel were also investigated using an ultraviolet-visible (UV-Vis spectrophotometer and a Field emission scanning electron microscope (FESEM, respectively. These findings provide an efficient method to improve the solubility and properties of regenerated cellulose products.

  18. Modeling the dose effects of soybean oil in salad dressing on carotenoid and fat-soluble vitamin bioavailability in salad vegetables.

    Science.gov (United States)

    White, Wendy S; Zhou, Yang; Crane, Agatha; Dixon, Philip; Quadt, Frits; Flendrig, Leonard M

    2017-10-01

    Background: Previously, we showed that vegetable oil is necessary for carotenoid absorption from salad vegetables. Research is needed to better define the dose effect and its interindividual variation for carotenoids and fat-soluble vitamins. Objective: The objective was to model the dose-response relation between the amount of soybean oil in salad dressing and the absorption of 1 ) carotenoids, phylloquinone, and tocopherols in salad vegetables and 2 ) retinyl palmitate formed from the provitamin A carotenoids. Design: Women ( n = 12) each consumed 5 vegetable salads with salad dressings containing 0, 2, 4, 8, or 32 g soybean oil. Blood was collected at selected time points. The outcome variables were the chylomicron carotenoid and fat-soluble vitamin area under the curve (AUC) and maximum content in the plasma chylomicron fraction ( C max ). The individual-specific and group-average dose-response relations were investigated by fitting linear mixed-effects random coefficient models. Results: Across the entire 0-32-g range, soybean oil was linearly related to the chylomicron AUC and C max values for α-carotene, lycopene, phylloquinone, and retinyl palmitate. Across 0-8 g of soybean oil, there was a linear increase in the chylomicron AUC and C max values for β-carotene. Across a more limited 0-4-g range of soybean oil, there were minor linear increases in the chylomicron AUC for lutein and α- and total tocopherol. Absorption of all carotenoids and fat-soluble vitamins was highest with 32 g oil ( P vitamins ( P vitamins could be largely predicted by the soybean oil effect. However, the effect varied widely, and some individuals showed a negligible response. There was a global soybean oil effect such that those who absorbed more of one carotenoid and fat-soluble vitamin also tended to absorb more of the others. This trial was registered at clinicaltrials.gov as NCT02867488. © 2017 American Society for Nutrition.

  19. Antibacterial Activity of Emulsified Pomelo (Citrus grandis Osbeck Peel Oil and Water-Soluble Chitosan on Staphylococcus aureus and Escherichia coli

    Directory of Open Access Journals (Sweden)

    Guan-Wen Chen

    2018-04-01

    Full Text Available This study utilized pomelo steam distillation to isolate pomelo peel essential oil. The constituents were then analyzed through gas chromatography-mass spectrometry (GC-MS, and the antibacterial activity of the essential oil emulsions at different homogenizer speed conditions and concentrations of water-soluble chitosan (degree of acetylation, DA = 54.8% against S. aureus and E. coli was examined. Analysis of the essential oil composition identified a total of 33 compounds with the main constituent, limonene accounting for 87.5% (940.07 mg/g of the total. The pomelo peel oil was emulsified through homogenization at 24,000 rpm, resulting in a minimal inhibitory concentration (MIC for E. coli that was 1.9 times lower than that of the essential oil without homogenization. In addition, a mixture of 0.4% essential oil emulsion and 0.03% water-soluble chitosan had the strongest synergetic antibacterial effect on S. aureus and E. coli at pH 7.4. In comparison with chitosan alone, the MIC value of this mixture was significantly 2.4 and 2.5 times lower. Hence, this study suggests using a mixture of emulsified pomelo peel oil and water-soluble chitosan to develop a novel natural food preservative, and that the processability of food, as well as the economic value of the byproducts of the Taiwan Matou pomelo and chitosan, could be increased.

  20. Soluble polymorphic bank vole prion proteins induced by co-expression of quiescin sulfhydryl oxidase in E. coli and their aggregation behaviors.

    Science.gov (United States)

    Abskharon, Romany; Dang, Johnny; Elfarash, Ameer; Wang, Zerui; Shen, Pingping; Zou, Lewis S; Hassan, Sedky; Wang, Fei; Fujioka, Hisashi; Steyaert, Jan; Mulaj, Mentor; Surewicz, Witold K; Castilla, Joaquín; Wohlkonig, Alexandre; Zou, Wen-Quan

    2017-10-04

    The infectious prion protein (PrP Sc or prion) is derived from its cellular form (PrP C ) through a conformational transition in animal and human prion diseases. Studies have shown that the interspecies conversion of PrP C to PrP Sc is largely swayed by species barriers, which is mainly deciphered by the sequence and conformation of the proteins among species. However, the bank vole PrP C (BVPrP) is highly susceptible to PrP Sc from different species. Transgenic mice expressing BVPrP with the polymorphic isoleucine (109I) but methionine (109M) at residue 109 spontaneously develop prion disease. To explore the mechanism underlying the unique susceptibility and convertibility, we generated soluble BVPrP by co-expression of BVPrP with Quiescin sulfhydryl oxidase (QSOX) in Escherichia coli. Interestingly, rBVPrP-109M and rBVPrP-109I exhibited distinct seeded aggregation pathways and aggregate morphologies upon seeding of mouse recombinant PrP fibrils, as monitored by thioflavin T fluorescence and electron microscopy. Moreover, they displayed different aggregation behaviors induced by seeding of hamster and mouse prion strains under real-time quaking-induced conversion. Our results suggest that QSOX facilitates the formation of soluble prion protein and provide further evidence that the polymorphism at residue 109 of QSOX-induced BVPrP may be a determinant in mediating its distinct convertibility and susceptibility.

  1. Increased opercular rates of pink salmon (Oncorhynchus gorbuscha) fry after exposure to the eater-soluble fraction of Prudhoe Bay crude oil

    Energy Technology Data Exchange (ETDEWEB)

    Thomas, R E [Chico State Univ., CA; Rice, S D

    1976-01-01

    The opercular rates of pink salmon (Oncorhynchus gorbuscha) fry were measured during 24-h exposure to sublethal concentrations of the water-soluble fraction of Prudhoe Bay crude oil. Opercular rates increased significantly for as long as 9 and 12 h after exposure to water-soluble fractions prepared from oil-water solutions of 2.83 and 3.46 ppM. The increases in rates were proportional to increases in dose. Recording changes in opercular rates appears to be a suitable method for detecting sublethal physiological effects of stress, because the observed changes occurred at approximately 20 percent of the 96 h-LC50.

  2. Supercritical Fluid Chromatography with Photodiode Array Detection in the Determination of Fat-Soluble Vitamins in Hemp Seed Oil and Waste Fish Oil

    Directory of Open Access Journals (Sweden)

    Katarzyna Tyśkiewicz

    2018-05-01

    Full Text Available In the presented study for the first time a new, optimized, fast SFC (supercritical fluid chromatography method was applied to separate in one run fat-soluble vitamins from waste fish oil, including cis-and trans-retinyl palmitate, cis- and trans-retinyl acetate, retinol, α-tocopherol, β-tocopherol, γ‑tocopherol, δ-tocopherol, ergocalciferol (D2, cholecalciferol (D3, cis- and trans-phylloquinone (K1 and menaquinone-4 (K2-MK4. Vitamins were baseline separated on an Acquity UPC2 (ultra performance convergence chromatography HSS C18 SB (highly strength chemically modified silica column within 13 min. The influence of the stationary phase, such as Torus 1-AA (1-aminoanthracene, Torus Diol (high density diol, Torus DEA (diethylamine, BEH (silica with no bonding, BEH-2EP (2-ethylpirydine, CSH Fluoro-Phenyl (silica with fluoro-phenyl groups, column temperature, flow rate and back pressure on the separation of the compounds was described. The application of the modified saponification procedure allowed us to increase concentration in the sample prepared for the analysis of γ‑tocopherol from less than 1% (wt % to 14% for the first time. In addition, α‑tocopherol, γ‑tocopherol, δ‑tocopherol and retinol were identified in waste fish oil. Vitamin purification and analysis in waste fish oil are reported for the first time here. Due to the short time and effectiveness of the proposed method, it can be easily applied in industrial processes.

  3. Operational problems related to the preparation of the seawater soluble fraction of crude oil.

    Science.gov (United States)

    Ziolli, Roberta L; Jardim, Wilson F

    2002-02-01

    Owing to the importance of dissolution and weathering processes following oil spills, this work focused on the operational (quantitative) aspects related to the dissolution of petroleum-derived products, as well as the influence of solar light on both dissolution and the photoproduction of hydrogen peroxide. Four Brazilian crude oil samples were used to study the transfer process of organic compounds from the crude oil film to the aqueous phase (natural seawater) over a period of up to 45 days. Dissolved organic carbon (DOC), measured by non-dispersive infrared spectroscopy followed by high temperature catalytic combustion, was used to follow the partitioning between the two phases. Aqueous DOC values increased as a function of time (up to 15 days) until equilibrium was reached at concentrations ranging from 5 to 45 mg C L(-1). The final DOC concentration as well as the rate of dissolution depends on the nature of the crude oil. When exposed to sunlight, the dissolution was enhanced by up to 67.3%, and inorganic peroxides were generated in the concentration range from 4.5 up to 8.0 micromol L(-1) after 7.3 h irradiation. These results indicate that there is a need for a standard procedure for the production of the WSF in order to generate a more reliable tool to assess the impact of oil spills on the marine environment.

  4. Waste fatty acid addition to black liquor to decrease tall oil soap solubility and increase skimming efficiency in kraft mills pulping mountain pine beetle-infested wood

    Energy Technology Data Exchange (ETDEWEB)

    Uloth, V.; Guy, E. [FPInnovations, Prince George, BC (Canada). PAPRICAN Div.; Shewchuk, D. [Cariboo Pulp and Paper, Quesnel, BC (Canada); Van Heek, R. [Aker Kvaerner, Vancouver, BC (Canada)

    2009-07-01

    This paper presented the results of tests conducted to determine if the addition of waste fatty acids from vegetable oil processing might decrease tall oil soap solubility in pine-beetle impacted wood from British Columbia (BC). The soap recovery and tall oil production at BC mills has fallen by 30 to 40 percent in recent years due to the pulping of high proportions of grey-stage beetle-impacted wood. Full-scale mill tests were conducted over a 4-day period. The study showed that the addition of tall oil fatty acids or waste fatty acids from vegetable oil processing could decrease tall oil soap solubility and increase the soup skimming efficiency in mills pulping a large percentage of grey stage beetle-infested wood. The addition of fatty acids increased tall oil soap skimming efficiency from 50.2 percent in the baseline tests to 71.8 percent based on the total soap available, and from 76.7 percent in the baseline tests to 87.5 percent based on insoluble soap only. The economic analyses indicated that waste fatty acid addition could be economical when natural gas and oil prices are high. 4 tabs., 9 figs.

  5. An oil-soluble extract of Rubus idaeus cells enhances hydration and water homeostasis in skin cells.

    Science.gov (United States)

    Tito, A; Bimonte, M; Carola, A; De Lucia, A; Barbulova, A; Tortora, A; Colucci, G; Apone, F

    2015-12-01

    Raspberry plants, belonging to the species of Rubus idaeus, are known for their excellent therapeutic properties as they are particularly rich in compounds with strong antioxidant activity, which promote health and well-being of human cells. Besides their high content of phenolic compounds, Rubus plants are rich in oil-soluble compounds, which are also primary components of the hydrolipidic film barrier of the skin. As plant cell cultures represented a valuable system to produce interesting compounds and ingredients for cosmetic applications, we developed liquid suspension cultures from Rubus idaeus leaves and used them to obtain an active ingredient aimed at improving hydration and moisturization capacity in the skin. Rubus idaeus cells, grown in the laboratory under sterile and controlled conditions as liquid suspension cultures, were processed to obtain an oil-soluble (liposoluble) extract, containing phenolic compounds and a wide range of fatty acids. The extract was tested on cultured keratinocytes and fibroblasts and then on the skin in vivo, to assess its cosmetic activities. When tested on skin cell cultures, the extract induced the genes responsible for skin hydration, such as aquaporin 3, filaggrin, involucrin and hyaluronic acid synthase, and stimulated the expression and the activity of the enzyme glucocerebrosidase, involved in ceramide production. Moreover, the liposoluble extract increased the synthesis of the extracellular matrix components in cultured fibroblasts and showed a remarkable skin-hydrating capacity when tested on human skin in vivo. Thanks to these activities, the Rubus idaeus liposoluble extract has several potential applications in skin care cosmetics: it can be used as hydrating and moisturizing ingredient in face and body lotions, and as anti-ageing product in face creams specifically designed to fight wrinkle formation. © 2015 Society of Cosmetic Scientists and the Société Française de Cosmétologie.

  6. Microemulsions containing long-chain oil ethyl oleate improve the oral bioavailability of piroxicam by increasing drug solubility and lymphatic transportation simultaneously.

    Science.gov (United States)

    Xing, Qiao; Song, Jia; You, Xiuhua; Xu, Dongling; Wang, Kexin; Song, Jiaqi; Guo, Qin; Li, Pengyu; Wu, Chuanbin; Hu, Haiyan

    2016-09-25

    Drug solubility and lymphatic transport enhancements are two main pathways to improve drug oral bioavailability for microemulsions. However, it is not easy to have both achieved simultaneously because excipients used for improving lymphatic transport were usually insufficient in forming microemulsions and solubilizing drugs. Our research is to explore whether ethyl oleate, an oil effective in developing microemulsions with desired solubilizing capability, could increase bioavailability to a higher extent by enhancing lymphatic transport. As a long-chain oil, ethyl oleate won larger microemulsion area than short-chain tributyrin and medium-chain GTCC. In contrast, long-chain soybean oil failed to prepare microemulsions. The solubility of piroxicam in ethyl oleate microemulsions (ME-C) increased by about 30 times than in water. ME-C also won significantly higher AUC0-t compared with tributyrin microemulsions (ME-A) and GTCC microemulsions (ME-B). Oral bioavailability in ME-C decreased by 38% after lymphatic transport was blocked by cycloheximide, severer than those in ME-A and ME-B (8% and 34%). These results suggest that improving lymphatic transport and solubility simultaneously might be a novel strategy to increase drug oral bioavailability to a higher extent than increasing solubility only. Ethyl oleate is a preferred oil candidate due to its integrated advantages of high solubilizing capability, large microemulsion area and effective lymphatic transport. Copyright © 2016 Elsevier B.V. All rights reserved.

  7. Hydrocarbon Degradation and Lead Solubility in a Soil Polluted with Lead and Used Motor Oil Treated by Composting and Phytoremediation.

    Science.gov (United States)

    Escobar-Alvarado, L F; Vaca-Mier, M; López, R; Rojas-Valencia, M N

    2018-02-01

    Used lubricant oils and metals can be common soil pollutants in abandoned sites. When soil is contaminated with various hazardous wastes, the efficiency of biological treatments could be affected. The purpose of this work was to investigate the effect of combining phytoremediation and composting on the efficiency of hydrocarbon degradation and lead solubility in a soil contaminated with 31,823 mg/kg of total petroleum hydrocarbon (TPH) from used motor oil and 8260 mg/kg of lead. Mexican cactus (Opuntia ficus indica) and yard trimmings were added in the composting process, and lucerne (Medicago sativa) was used in the phytoremediation process. After a 9 week composting process, only 13% of the initial TPH concentration was removed. The following 20 week phytoremediation process removed 48% of TPH. The highest TPH degradation percentage (66%), was observed in the experiment with phytoremediation only. This work demonstrates sustainable technologies, such as biological treatments, represent low-cost options for remediation; however, they are not frequently used because they require long periods of time for success.

  8. Il cambio dollaro/euro, il prezzo del petrolio e la Banca Centrale Europea (Dollar/Euro Exchange Rate, Oil Price and the European Central Bank

    Directory of Open Access Journals (Sweden)

    Stefano Sylos Labini

    2000-09-01

    Full Text Available In this paper an analysis on dollar/euro exchange rate, oil price and European Central Bank monetary policy is worked out. Firstly, data on the main variables related with the exchange rate and an equation to explain the variation of the exchange rate in the period March 1998-September 2000 are presented; secondly, the consequences of oil price growth and eurodevaluation on the US and European economies are taken into account; lastly, different policy strategies to stop eurodevaluation are discussed. The European Central Bank strategy, that consists of small increases of the interest rate, is not reaching any result. An alternative strategy is based on innovative public demand, that should be financed by European bonds using "central bank excess funds" as security. Public demand of infrastructures and new technologies should aim at reducing oil dependence and would stimulate growth and sustainable development in Europe, with positive effects on the exchange rate.

  9. Synthesis and Evaluation of a Water-Soluble Hyperbranched Polymer as Enhanced Oil Recovery Chemical

    Directory of Open Access Journals (Sweden)

    Nanjun Lai

    2013-01-01

    Full Text Available A novel hyperbranched polymer was synthesized using acrylamide (AM, acrylic acid (AA, N-vinyl-2-pyrrolidone (NVP, and dendrite functional monomer as raw materials by redox initiation system in an aqueous medium. The hyperbranched polymer was characterized by infrared (IR spectroscopy, 1H NMR spectroscopy, 13C NMR spectroscopy, elemental analysis, and scanning electron microscope (SEM. The viscosity retention rate of the hyperbranched polymer was 22.89% higher than that of the AM/AA copolymer (HPAM at 95°C, and the viscosity retention rate was 8.17%, 12.49%, and 13.68% higher than that of HPAM in 18000 mg/L NaCl, 1800 mg/L CaCl2, and 1800 mg/L MgCl2·6H2O brine, respectively. The hyperbranched polymer exhibited higher apparent viscosity (25.2 mPa·s versus 8.1 mPa·s under 500 s−1 shear rate at 80°C. Furthermore, the enhanced oil recovery (EOR of 1500 mg/L hyperbranched polymer solutions was up to 23.51% by the core flooding test at 80°C.

  10. Early-life supplementation of vitamins A and D, in water-soluble form or in peanut oil, and allergic diseases during childhood.

    Science.gov (United States)

    Kull, Inger; Bergström, Anna; Melén, Erik; Lilja, Gunnar; van Hage, Marianne; Pershagen, Göran; Wickman, Magnus

    2006-12-01

    Early vitamin supplementation is given routinely to infants in many countries, but it is unclear whether this affects the risk of allergic diseases. We sought to study the association between early-life supplementation of vitamins A and D in water-soluble form or in peanut oil and allergic diseases up to 4 years of age. A prospective birth cohort of 4089 newborn infants was followed for 4 years using parental questionnaires repeatedly to collect information on exposure and health. At 4 years, the response rate was 90%, and allergen-specific IgE levels to food and airborne allergens were measured in 2614 of the participating children. Vitamins A and D were given to 98% of the children in infancy, and vitamins based in peanut oil dominated (90%). Children supplemented with vitamins A and D in water-soluble form during the first year of life had an almost 2-fold increased risk of asthma (adjusted odds ratio [OD], 2.18; 95% CI, 1.45-3.28), food hypersensitivity (adjusted OR, 1.89; 95% CI, 1.33-2.65), and sensitization to common food and airborne allergens (adjusted OR, 1.88; 95% CI, 1.34-2.64) at age 4 years compared with those receiving vitamins in peanut oil. No increased risk of IgE antibodies to peanut was seen in children receiving vitamins in peanut oil. Supplementation of vitamins A and D in water-soluble form seems to increase the risk of allergic disease up to the age of 4 years compared with supplementation with the same vitamins given in peanut oil. Vitamins A and D in oil does not seem to increase the risk of allergic disease during childhood.

  11. Continuous production of bio-oil by catalytic liquefaction from wet distiller’s grain with solubles (WDGS) from bio-ethanol production

    International Nuclear Information System (INIS)

    Toor, Saqib Sohail; Rosendahl, Lasse; Nielsen, Mads Pagh; Glasius, Marianne; Rudolf, Andreas; Iversen, Steen Brummerstedt

    2012-01-01

    Bio-refinery concepts are currently receiving much attention due to the drive toward flexible, highly efficient systems for utilization of biomass for food, feed, fuel and bio-chemicals. One way of achieving this is through appropriate process integration, in this particular case combining enzymatic bio-ethanol production with catalytic liquefaction of the wet distillers grains with soluble, a byproduct from the bio-ethanol process. The catalytic liquefaction process is carried out at sub-critical conditions (280–370 °C and 25 MPa) in the presence of a homogeneous alkaline and a heterogeneous Zirconia catalyst, a process known as the Catliq ® process. In the current work, catalytic conversion of WDGS was performed in a continuous pilot plant with a maximum capacity of 30 dm 3 h −1 of wet biomass. In the process, WDGS was converted to bio-oil, gases and water-soluble organic compounds. The oil obtained was characterized using several analysis methods, among them elementary analysis and GC–MS. The study shows that WDGS can be converted to bio oil with high yields. The results also indicate that through the combination of bio-ethanol production and catalytic liquefaction, it is possible to significantly increase the liquid product yield and scope, opening up for a wider end use applicability. -- Highlights: ► Hydrothermal liquefaction of wet biomass. ► Product phase analysis: oil, acqeous, gas and mineral phase. ► Energy and mass balance evaluation.

  12. An Improved Variant of Soybean Type 1 Diacylglycerol Acyltransferase Increases the Oil Content and Decreases the Soluble Carbohydrate Content of Soybeans[OPEN

    Science.gov (United States)

    Shen, Bo; Damude, Howard G.; Everard, John D.; Booth, John R.

    2016-01-01

    Kinetically improved diacylglycerol acyltransferase (DGAT) variants were created to favorably alter carbon partitioning in soybean (Glycine max) seeds. Initially, variants of a type 1 DGAT from a high-oil, high-oleic acid plant seed, Corylus americana, were screened for high oil content in Saccharomyces cerevisiae. Nearly all DGAT variants examined from high-oil strains had increased affinity for oleoyl-CoA, with S0.5 values decreased as much as 4.7-fold compared with the wild-type value of 0.94 µm. Improved soybean DGAT variants were then designed to include amino acid substitutions observed in promising C. americana DGAT variants. The expression of soybean and C. americana DGAT variants in soybean somatic embryos resulted in oil contents as high as 10% and 12%, respectively, compared with only 5% and 7.6% oil achieved by overexpressing the corresponding wild-type DGATs. The affinity for oleoyl-CoA correlated strongly with oil content. The soybean DGAT variant that gave the greatest oil increase contained 14 amino acid substitutions out of a total of 504 (97% sequence identity with native). Seed-preferred expression of this soybean DGAT1 variant increased oil content of soybean seeds by an average of 3% (16% relative increase) in highly replicated, single-location field trials. The DGAT transgenes significantly reduced the soluble carbohydrate content of mature seeds and increased the seed protein content of some events. This study demonstrated that engineering of the native DGAT enzyme is an effective strategy to improve the oil content and value of soybeans. PMID:27208257

  13. An Improved Variant of Soybean Type 1 Diacylglycerol Acyltransferase Increases the Oil Content and Decreases the Soluble Carbohydrate Content of Soybeans.

    Science.gov (United States)

    Roesler, Keith; Shen, Bo; Bermudez, Ericka; Li, Changjiang; Hunt, Joanne; Damude, Howard G; Ripp, Kevin G; Everard, John D; Booth, John R; Castaneda, Leandro; Feng, Lizhi; Meyer, Knut

    2016-06-01

    Kinetically improved diacylglycerol acyltransferase (DGAT) variants were created to favorably alter carbon partitioning in soybean (Glycine max) seeds. Initially, variants of a type 1 DGAT from a high-oil, high-oleic acid plant seed, Corylus americana, were screened for high oil content in Saccharomyces cerevisiae Nearly all DGAT variants examined from high-oil strains had increased affinity for oleoyl-CoA, with S0.5 values decreased as much as 4.7-fold compared with the wild-type value of 0.94 µm Improved soybean DGAT variants were then designed to include amino acid substitutions observed in promising C. americana DGAT variants. The expression of soybean and C. americana DGAT variants in soybean somatic embryos resulted in oil contents as high as 10% and 12%, respectively, compared with only 5% and 7.6% oil achieved by overexpressing the corresponding wild-type DGATs. The affinity for oleoyl-CoA correlated strongly with oil content. The soybean DGAT variant that gave the greatest oil increase contained 14 amino acid substitutions out of a total of 504 (97% sequence identity with native). Seed-preferred expression of this soybean DGAT1 variant increased oil content of soybean seeds by an average of 3% (16% relative increase) in highly replicated, single-location field trials. The DGAT transgenes significantly reduced the soluble carbohydrate content of mature seeds and increased the seed protein content of some events. This study demonstrated that engineering of the native DGAT enzyme is an effective strategy to improve the oil content and value of soybeans. © 2016 American Society of Plant Biologists. All Rights Reserved.

  14. Alternative Bio-Based Solvents for Extraction of Fat and Oils: Solubility Prediction, Global Yield, Extraction Kinetics, Chemical Composition and Cost of Manufacturing

    Directory of Open Access Journals (Sweden)

    Anne-Gaëlle Sicaire

    2015-04-01

    Full Text Available The present study was designed to evaluate the performance of alternative bio-based solvents, more especially 2-methyltetrahydrofuran, obtained from crop’s byproducts for the substitution of petroleum solvents such as hexane in the extraction of fat and oils for food (edible oil and non-food (bio fuel applications. First a solvent selection as well as an evaluation of the performance was made with Hansen Solubility Parameters and the COnductor-like Screening MOdel for Realistic Solvation (COSMO-RS simulations. Experiments were performed on rapeseed oil extraction at laboratory and pilot plant scale for the determination of lipid yields, extraction kinetics, diffusion modeling, and complete lipid composition in term of fatty acids and micronutrients (sterols, tocopherols and tocotrienols. Finally, economic and energetic evaluations of the process were conducted to estimate the cost of manufacturing using 2-methyltetrahydrofuran (MeTHF as alternative solvent compared to hexane as petroleum solvent.

  15. Genetic Connectivity in Scleractinian Corals across the Northern Gulf of Mexico: Oil/Gas Platforms, and Relationship to the Flower Garden Banks

    OpenAIRE

    Sammarco, Paul W.; Brazeau, Daniel A.; Sinclair, James

    2012-01-01

    The 3,000 oil/gas structures currently deployed in the northern Gulf of Mexico (GOM) provide hard substratum for marine organisms in a region where such has been rare since the Holocene. The major exception to this are the Flower Garden Banks (FGB). Corals are known to have colonized oil/gas platforms around the FGB, facilitating biogeographic expansion. We ask the question, what are the patterns of genetic affinity in these coral populations. We sampled coral tissue from populations of two s...

  16. Oil spill emergency response: Fulfilling regulatory requirements on the Grand Banks

    International Nuclear Information System (INIS)

    Horvath, C.L.

    1991-01-01

    Offshore well licensing under Canadian regulations requires the operator to conduct a practice exercise of oil spill countermeasures and emergency response procedures at least yearly, once the drilling program starts. The relevant parts of the Newfoundland Offshore Petroleum Drilling Regulations are summarized and the objectives and benefits of the practice exercises are reviewed. In addition to ensuring regulatory compliance, the exercises also provide the opportunity to test operational procedures, to provide in-house training, and improve response efficiency by regular repetition of the exercise. Exercises in communications during a spill incident in the offshore and in deployment of offshore spill response equipment conducted by Petro-Canada in Newfoundland are described. Problems identified during the exercises are noted

  17. Il cambio dollaro/euro, il prezzo del petrolio e la Banca Centrale Europea (Dollar/Euro Exchange Rate, Oil Price and the European Central Bank

    Directory of Open Access Journals (Sweden)

    Stefano Sylos Labini

    2012-04-01

    Full Text Available In this paper an analysis on dollar/euro exchange rate, oil price and European Central Bank monetary policy is worked out. Firstly, data on the main variables related with the exchange rate and an equation to explain the variation of the exchange rate in the period March 1998-September 2000 are presented; secondly, the consequences of oil price growth and eurodevaluation on the US and European economies are taken into account; lastly, different policy strategies to stop eurodevaluation are discussed. The European Central Bank strategy, that consists of small increases of the interest rate, is not reaching any result. An alternative strategy is based on innovative public demand, that should be financed by European bonds using "central bank excess funds" as security. Public demand of infrastructures and new technologies should aim at reducing oil dependence and would stimulate growth and sustainable development in Europe, with positive effects on the exchange rate.       JEL Codes: E58, F31Keywords: Devaluation, Exchange Rates, Monetary

  18. Effects of offshore oil drilling on benthic invertebrate communities on the Grand Banks (North Atlantic)

    Energy Technology Data Exchange (ETDEWEB)

    DeBlois, E. [Jacques Whitford Ltd., St. John' s, NL (Canada); Wight, F. [Husky Oil Operations Ltd., St. John' s, NL (Canada); Taylor, D. [DG Taylor Inc., Conception Bay South, NL (Canada); Paine, M. [Paine, Ledge and Associates, North Vancouver, BC (Canada)

    2007-07-01

    Drilling occurs at three different drill centres of the White Rose (WR) oil platform that lies 350 km offshore from St. John's Newfoundland. An extensive environmental effects monitoring (EEM) program conducted by Husky Energy is underway at the WR site. The sediment component of the program involves the measurement of physical and chemical characteristics, an assessment of toxicity in laboratory tests, and an assessment of in situ benthic invertebrate communities. Baseline sampling occurred in 2000, followed by post-drilling sampling in 2004 to 2006. The sediment is 95 per cent sand, with polychaetes and bivalves dominating the invertebrate communities. A comparative evaluation was performed for regressions between community variables and distances from drill centres before and after drilling. Concentration-response relationships between community variables and concentrations of major constituents in drilling muds (C10-C21 HCs) were also compared among years. It was shown that the biological effects on invertebrate communities were highly restricted to reductions in the amount of Paraonidae and Amphipoda near drill centres and at higher C10-C21 HC concentrations. The study revealed that the two most abundant invertebrate communities were not influenced by drilling in terms of standing crop, richness, diversity and evenness.

  19. Two-phase reactive mass transfer of an oil-soluble chemical in porous media : A CT-scan study

    NARCIS (Netherlands)

    Elewaut, K.

    2009-01-01

    Water production is a growing problem within the oil industry, as oil and gas fields mature worldwide and water breakthrough becomes more and more common. Often water production leads to reduction in productivity and reduction of the ultimate hydrocarbon recovery from a field. The challenges we face

  20. Formation of Anhydrite due to Interaction Between Water Soluble CO2 (aq) and Calcite Mineral During Enhanced Oil Recovery

    DEFF Research Database (Denmark)

    Chakravarty, Krishna Hara; Fosbøl, Philip Loldrup; Thomsen, Kaj

    2015-01-01

    In the Low Salinity based EOR method, formation and migration of fines have proved to have profound effect on the displacement efficiency of residual oil. Salinity variations of injected brines have also been shown to affect oil recovery for WAG-CO2 processes. But the effect of fines in EOR during...... simulations were conducted over a temperature range of 50°C to 250°C and a pressure range of 5 bars to 500 bars. The amounts of fines formation taking place for different LSWAG-CO2 processes were correlated to the described oil recovery. It is observed that significant amounts of fines formation can take...... with the available SO42- ions. The salinity and composition of brines present in pore space shows direct correlation with the amount of fines produced during CO2 injection. With increase in temperature and pressure, the amount fines formation increased significantly. The described oil recovery for different LSWAG...

  1. A simple bubbling system for measuring radon (222Rn) gas concentrations in water samples based on the high solubility of radon in olive oil.

    Science.gov (United States)

    Al-Azmi, D; Snopek, B; Sayed, A M; Domanski, T

    2004-01-01

    Based on the different levels of solubility of radon gas in organic solvents and water, a bubbling system has been developed to transfer radon gas, dissolving naturally in water samples, to an organic solvent, i.e. olive oil, which is known to be a good solvent of radon gas. The system features the application of a fixed volume of bubbling air by introducing a fixed volume of water into a flask mounted above the system, to displace an identical volume of air from an air cylinder. Thus a gravitational flow of water is provided without the need for pumping. Then, the flushing air (radon-enriched air) is directed through a vial containing olive oil, to achieve deposition of the radon gas by another bubbling process. Following this, the vial (containing olive oil) is measured by direct use of gamma ray spectrometry, without the need of any chemical or physical processing of the samples. Using a standard solution of 226Ra/222Rn, a lowest measurable concentration (LMC) of radon in water samples of 9.4 Bq L(-1) has been achieved (below the maximum contaminant level of 11 Bq L(-1)).

  2. Designing Agricultural Development Projects for the Small Scale Farmers: Some Lessons from the World Bank Assistance Small Holder Oil Palm Development Scheme in Nigeria

    Science.gov (United States)

    Orewa, S. I.

    The study was carried out to investigate farmers reasons for intercropping their oil palm farms with food and other cash crops rather than the sole oil palm planting arrangement specified for participation in the World Bank Assistance Smallholder Oil Palm development project financed during the 1975-83 period. The study was conducted at the Ekuku-Agbor Tree Crop Unit Zone (to the East) and Mosogar Tree Crop Unit Zone (to the Southwest) of the old Bendel State of Nigeria. A total of 35 oil palm farmers were randomly selected from each zone for the study. The study tried to identify the size of oil palm cultivated, types of food and cash crops planted and the proportion consumed and sold and the sufficiency of labour for various farm activities. The study showed that the average oil palm farm size at Ekuku-Agbor zone was smaller (about 1.57 ha) and more fragmented while for Mosogar zone it was 2.28 ha. However a greater percentage (over 65%) of the farms at both locations were within 0.01-2.00 ha farm size range which could be said to be relatively small. The study revealed that among other factors the farmers desire to ensure adequate family food needs which equates to food security and some cash to meet regular family financial needs necessitated their intercropping of the oil palm farms. Others include the need to maximize the returns from the use of labour which they considered a major limiting factor in farm maintenance and to take advantage of the relative high unit price of cassava and its products that prevailed then by cultivating on any available land space including the palm plantations and thereby increasing their farm income.

  3. Use of vitamin B 1 preparations with different solubility in fats/oils and aqueous media: Clinical and pharmacological aspects

    Directory of Open Access Journals (Sweden)

    Galina Vladislavovna Ramenskaya

    2012-01-01

    Full Text Available An abundance of drugs to prevent and treat vitamin B 1 deficiency-induced neurological diseases has been today registered on the Russian pharmaceutical market. The most used agents are vitamin B 1 preparations, the therapeutic efficiency of which has been proven in many trials. It is noted that it is urgent to develop and introduce into practice the lipophilic formulations of water-soluble vitamins, which will make vitamin therapy more effective.

  4. Engineering Behavior and Characteristics of Water-Soluble Polymers: Implication on Soil Remediation and Enhanced Oil Recovery

    Directory of Open Access Journals (Sweden)

    Shuang Cindy Cao

    2016-02-01

    Full Text Available Biopolymers have shown a great effect in enhanced oil recovery because of the improvement of water-flood performance by mobility control, as well as having been considered for oil contaminated-soil remediation thanks to their mobility control and water-flood performance. This study focused on the wettability analysis of biopolymers such as chitosan (85% deacetylated power, PEO (polyethylene oxide, Xanthan (xanthan gum, SA (Alginic Acid Sodium Salt, and PAA (polyacrylic acid, including the measurements of contact angles, interfacial tension, and viscosity. Furthermore, a micromodel study was conducted to explore pore-scale displacement phenomena during biopolymer injection into the pores. The contact angles of biopolymer solutions are higher on silica surfaces submerged in decane than at atmospheric conditions. While interfacial tensions of the biopolymer solutions have a relatively small range of 25 to 39 mN/m, the viscosities of biopolymer solutions have a wide range, 0.002 to 0.4 Pa·s, that dramatically affect both the capillary number and viscosity number. Both contact angles and interfacial tension have effects on the capillary entry pressure that increases along with an applied effective stress by overburden pressure in sediments. Additionally, a high injection rate of biopolymer solutions into the pores illustrates a high level of displacement ratio. Thus, oil-contaminated soil remediation and enhanced oil recovery should be operated in cost-efficient ways considering the injection rates and capillary entry pressure.

  5. Evaluation of the potential effects of major oil spills on Grand Banks commercial fish species as a result of impacts on eggs and larvae

    International Nuclear Information System (INIS)

    Hurlbut, S.E.; French, D.P.; Taylor, B.J.

    1991-01-01

    The Natural Resource Damage Assessment Model for Coastal and Marine Environments (NRDAM/CME) developed by the US Department of the Interior was applied to determine potential catch losses of two commercially important species in the event of an oil spill on the Grand Banks of Newfoundland. The model is made of a generalized physical fates model and a biological effects model; a fisheries component of the model estimates the ultimate impact on future adult fish populations and their harvesting. Inputs to the model include numbers of eggs and larvae, volume and nature of spill, chemical characteristics of the crude oil, and oceanographic and meteorological information specific to the spill location. To assess the sensitivity of the model predictions, different simulations each representing a specific combination of biological and physical conditions were carried out. In each case, the number of eggs and larvae killed and subsequent total lost catch as predicted by the model were directly proportional to the assumed egg and larval abundance. The impact on cod was three times that on plaice. In a worst-case situation involving a 90-d summer blowout at the maximum daily flow rate, the totals in lost catch of cod and plaice would be 21 and 7 tonnes respectively. These represent only 0.02% of the total annual Grand Banks catch for both species. 35 refs., 18 figs., 161 tabs

  6. Inadequate environmental monitoring around offshore oil and gas platforms on the Grand Bank of Eastern Canada: are risks to marine birds known?

    Science.gov (United States)

    Burke, C M; Montevecchi, W A; Wiese, F K

    2012-08-15

    Petroleum exploration and production on the Grand Bank of eastern Canada overlaps with productive marine habitat that supports over 40 million marine birds annually. Environmental assessments for oil and gas projects in the region predict insignificant adverse effects on marine birds from oil spills, incineration in platform flares and collisions. Limited baseline data on seasonal occupancies and a failure to quantify the nature and extent of marine bird attraction to platforms and related mortality undermines these assessments. We conducted 22 surveys to offshore platforms on the Grand Bank during 1999-2003 to measure avian associations with platforms and to determine the level of monitoring needed to assess the risks to marine birds. We document seasonal shifts in marine bird occurrences and higher densities of auks (fall) and shearwaters (summer) around platforms relative to surrounding areas. The limited temporal and spatial coverage of our surveys is more robust than existing industry monitoring efforts, yet it is still inadequate to quantify the scale of marine bird associations with platforms or their associated mortality risks. Systematic observations by independent biologists on vessels and platforms are needed to generate reliable assessments of risks to marine birds. Instead, the regulatory body for offshore oil and gas in eastern Canada (Canada - Newfoundland and Labrador Offshore Petroleum Board; C-NLOPB) supports industry self-reporting as the accepted form of environmental monitoring. Conflicting responsibilities of oil and gas regulatory agencies for both energy development and environmental monitoring are major barriers to transparency, unbiased scientific inquiry and adequate environmental protection. Similar conflicts with the oil and gas regulatory body in the United States, the former Minerals and Management Service (MMS) were identified by the U.S. President as a major contributor to the Deepwater Horizon disaster in the Gulf of Mexico. The

  7. 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.

  8. An assessment of the number of seabirds at risk during the November 2004 Terra Nova FPSO oil spill on the Grand Banks

    International Nuclear Information System (INIS)

    Wilhelm, S.I.; Robertson, G.J.; Ryan, P.C.; Schneider, D.C.

    2006-01-01

    This paper reported on the number of seabirds impacted by the Terra Nova floating production, storage and offloading (FPSO) vessel, which released 160,000 litres of crude oil after it struck the Grand Banks, an area located approximately 340 km east of St. John's, Newfoundland. An area of approximately 340 km 2 was impacted by the spill, which occurred at a time when large numbers of dovekies and murres inhabit the region. After the spill, both vessel-based and helicopter-based surveys were conducted in order to estimate seabird densities in the immediate region. Densities were then compared to other data from similar time periods. The number of birds at risk was estimated base on seabird densities noted from on-vessel surveys. A mean density of 3.46 murres per km 2 and 1.07 dovekies per km 2 were recorded. Mean density increased when birds in flight were also considered. Density estimates were similar to data previously reported. The scenarios yielded a mean of 9858 murres and dovekies. The estimate was then compared to mortality estimates based on published empirical relationship between the volume of oil released, and the number of seabirds killed. It was concluded that between 10,000 and 16,000 alcids were put at risk by the spill. 30 refs., 5 tabs., 4 figs.

  9. 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.

  10. Genetic connectivity in scleractinian corals across the Northern Gulf of Mexico: oil/gas platforms, and relationship to the Flower Garden Banks.

    Directory of Open Access Journals (Sweden)

    Paul W Sammarco

    Full Text Available The 3,000 oil/gas structures currently deployed in the northern Gulf of Mexico (GOM provide hard substratum for marine organisms in a region where such has been rare since the Holocene. The major exception to this are the Flower Garden Banks (FGB. Corals are known to have colonized oil/gas platforms around the FGB, facilitating biogeographic expansion. We ask the question, what are the patterns of genetic affinity in these coral populations. We sampled coral tissue from populations of two species occurring on oil and gas platforms: Madracis decactis (hermatype and Tubastraea coccinea (invasive ahermatype. We sampled 28 platforms along four transects from 20 km offshore to the continental shelf edge off 1 Matagorda Island, TX; 2 Lake Sabine, TX; 3 Terrebonne Bay, LA; and 4 Mobile, AL. The entire population of M. decactis was sampled between depths of 5 m and 37 m. T. coccinea populations were sub-sampled. Genetic variation was assessed using the PCR-based Amplified Fragment Length Polymorphisms (AFLPs. Data were analyzed via AFLPOP and STRUCTURE. Genetic connectivity among M. decactis platform populations was highest near the FGB and decreased to the east. Connectivity increased again in the eastern sector, indicating isolation between the populations from different sides of the Mississippi River (Transects 3 and 4. A point-drop in genetic affinity (relatedness at the shelf edge south of Terrebonne Bay, LA indicated a population differing from all others in the northern GOM. Genetic affinities among T. coccinea were highest in the west and decreased to the east. Very low genetic affinities off Mobile, AL indicated a dramatic difference between those populations and those west of the Mississippi River, apparently a formidable barrier to larval dispersal.

  11. Genetic connectivity in scleractinian corals across the Northern Gulf of Mexico: oil/gas platforms, and relationship to the Flower Garden Banks.

    Science.gov (United States)

    Sammarco, Paul W; Brazeau, Daniel A; Sinclair, James

    2012-01-01

    The 3,000 oil/gas structures currently deployed in the northern Gulf of Mexico (GOM) provide hard substratum for marine organisms in a region where such has been rare since the Holocene. The major exception to this are the Flower Garden Banks (FGB). Corals are known to have colonized oil/gas platforms around the FGB, facilitating biogeographic expansion. We ask the question, what are the patterns of genetic affinity in these coral populations. We sampled coral tissue from populations of two species occurring on oil and gas platforms: Madracis decactis (hermatype) and Tubastraea coccinea (invasive ahermatype). We sampled 28 platforms along four transects from 20 km offshore to the continental shelf edge off 1) Matagorda Island, TX; 2) Lake Sabine, TX; 3) Terrebonne Bay, LA; and 4) Mobile, AL. The entire population of M. decactis was sampled between depths of 5 m and 37 m. T. coccinea populations were sub-sampled. Genetic variation was assessed using the PCR-based Amplified Fragment Length Polymorphisms (AFLPs). Data were analyzed via AFLPOP and STRUCTURE. Genetic connectivity among M. decactis platform populations was highest near the FGB and decreased to the east. Connectivity increased again in the eastern sector, indicating isolation between the populations from different sides of the Mississippi River (Transects 3 and 4). A point-drop in genetic affinity (relatedness) at the shelf edge south of Terrebonne Bay, LA indicated a population differing from all others in the northern GOM. Genetic affinities among T. coccinea were highest in the west and decreased to the east. Very low genetic affinities off Mobile, AL indicated a dramatic difference between those populations and those west of the Mississippi River, apparently a formidable barrier to larval dispersal.

  12. 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...

  13. Well-resolved oil-soluble Au-doped ZnCdS quantum dots and enhancing doping emission with In-codoping

    Energy Technology Data Exchange (ETDEWEB)

    Zeng, Ruosheng, E-mail: zengrsh@gznu.edu.cn [School of Life and Environmental Sciences, Guilin University of Electronic Technology, Guilin 541004 (China); School of Chemistry and Materials Science, Guizhou Normal University, Guiyang 550001 (China); Sun, Zhiguo [School of Chemistry and Materials Science, Guizhou Normal University, Guiyang 550001 (China); Zhou, Chunjiao [College of Science, Hunan Agricultural University, Changsha 410128 (China); Fang, Cheng; Han, Guo-Cheng [School of Life and Environmental Sciences, Guilin University of Electronic Technology, Guilin 541004 (China); Chen, Zhencheng, E-mail: chenzhcheng@guet.edu.cn [School of Life and Environmental Sciences, Guilin University of Electronic Technology, Guilin 541004 (China)

    2016-06-25

    Highly emissive semiconductor quantum dots (QDs) with tunable color are valuable in many applications such as solid state lighting and bio-imaging. Herein, we report a facile synthetic method to Au:ZnCdS and Au:ZnCdS/ZnS core/shell QDs with tunable emission color. The highly active Au precursor (HAuCl{sub 4}) is prevented to be decomposed at high reaction temperature using 1-dodecanethiol (DDT) as the surface ligand. High-quality Au:ZnCdS/ZnS core/shell QDs are prepared and the highest photoluminescence (PL) quantum yield (QY) can achieve 42% by overcoating of ZnS layer over the bare Au:ZnCdS core QDs. Furthermore, through using Au{sup +} ion as the primary dopants and trivalent cation In{sup 3+} as co-dopants, the PL QY can be enhanced significantly because compensation of In{sup 3+} ion-codoping for the charge imbalance from Au{sup +}-doping. This codoping strategy may be applied to other related optical materials to control the optical properties based on our understanding for physical mechanism. - Highlights: • High-quality oil-soluble Au:ZnCdS/ZnS QDs were prepared for the first time. • The highly active HAuCl4 is prevented to decompose by using 1-dodecanethiol. • The highest PL QY of Au:ZnCdS/ZnS QDs can achieve 42% by overcoating ZnS layer. • The PL QY of QDs can be significantly enhanced by Au{sup +}, In{sup 3+}-codoping.

  14. Plutonium solubilities

    International Nuclear Information System (INIS)

    Puigdomnech, I.; Bruno, J.

    1991-02-01

    Thermochemical data has been selected for plutonium oxide, hydroxide, carbonate and phosphate equilibria. Equilibrium constants have been evaluated in the temperature range 0 to 300 degrees C at a pressure of 1 bar to T≤100 degrees C and at the steam saturated pressure at higher temperatures. Measured solubilities of plutonium that are reported in the literature for laboratory experiments have been collected. Solubility data on oxides, hydroxides, carbonates and phosphates have been selected. No solubility data were found at temperatures higher than 60 degrees C. The literature solubility data have been compared with plutonium solubilities calculated with the EQ3/6 geochemical modelling programs, using the selected thermodynamic data for plutonium. (authors)

  15. Alterations in bottom sediment physical and chemical characteristics at the Terra Nova offshore oil development over ten years of drilling on the grand banks of Newfoundland, Canada

    Science.gov (United States)

    DeBlois, Elisabeth M.; Paine, Michael D.; Kilgour, Bruce W.; Tracy, Ellen; Crowley, Roger D.; Williams, Urban P.; Janes, G. Gregory

    2014-12-01

    This paper describes sediment composition at the Terra Nova offshore oil development. The Terra Nova Field is located on the Grand Banks approximately 350 km southeast of Newfoundland, Canada, at an approximate water depth of 100 m. Surface sediment samples (upper 3 cm) were collected for chemical and particle size analyses at the site pre-development (1997) and in 2000-2002, 2004, 2006, 2008 and 2010. Approximately 50 stations have been sampled in each program year, with stations extending from less than 1 km to a maximum of 20 km from source (drill centres) along five gradients, extending to the southeast, southwest, northeast, northwest and east of Terra Nova. Results show that Terra Nova sediments were contaminated with >C10-C21 hydrocarbons and barium-the two main constituents of synthetic-based drilling muds used at the site. Highest levels of contamination occurred within 1 to 2 km from source, consistent with predictions from drill cuttings dispersion modelling. The strength of distance gradients for >C10-C21 hydrocarbons and barium, and overall levels, generally increased as drilling progressed but decreased from 2006 to 2010, coincident with a reduction in drilling. As seen at other offshore oil development sites, metals other than barium, sulphur and sulphide levels were elevated and sediment fines content was higher in the immediate vicinity (less than 0.5 km) of drill centres in some sampling years; but there was no strong evidence of project-related alterations of these variables. Overall, sediment contamination at Terra Nova was spatially limited and only the two major constituents of synthetic-based drilling muds used at the site, >C10-C21 hydrocarbons and barium, showed clear evidence of project-related alternations.

  16. 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…

  17. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

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

  18. Oils

    Energy Technology Data Exchange (ETDEWEB)

    Fabbri, S

    1909-11-29

    Mineral, shale, and like oils are treated successively with sulfuric acid, milk of lime, and a mixture of calcium oxide, sodium chloride, and water, and finally a solution of naphthalene in toluene is added. The product is suitable for lighting, and for use as a motor fuel; for the latter purpose, it is mixed with a light spirit.

  19. Use of an environmental specimen bank for evaluating the impact of the Prestige oil spill on the levels of trace elements in two species of Fucus on the coast of Galicia (NW Spain)

    International Nuclear Information System (INIS)

    Villares, Ruben; Real, Carlos; Fernandez, Jose Angel; Aboal, Jesus; Carballeira, Alejo

    2007-01-01

    In the present study we investigated possible contamination by trace elements due to the oil slick caused by the shipwreck of the Prestige oil tanker, in two species of brown macroalgae (Fucus vesiculosus and Fucus ceranoides) collected from the coastal area most severely affected by the spill (Galicia, NW Spain). The oil slick apparently did not cause significant increases in the concentrations of the trace elements studied, except vanadium. It appears that the magnitude of terrestrial inputs to coastal waters is sufficiently high to mask the inputs of trace elements from the fuel. The observed exception of V suggests that bioaccumulation of this element by the two species of Fucus may be used to indicate exposure to petrochemical products similar to the Prestige fuel. The findings of the study are another example of the importance of the existence of Environmental Specimen Banks for studies of this type

  20. Use of an environmental specimen bank for evaluating the impact of the Prestige oil spill on the levels of trace elements in two species of Fucus on the coast of Galicia (NW Spain)

    Energy Technology Data Exchange (ETDEWEB)

    Villares, Ruben; Real, Carlos [Area de Ecologia, Escuela Politecnica Superior, Universidad de Santiago de Compostela, 27002 Lugo (Spain); Fernandez, Jose Angel; Aboal, Jesus; Carballeira, Alejo [Area de Ecologia, Facultad de Biologia, Universidad de Santiago de Compostela, 15706 Santiago de Compostela (Spain)

    2007-03-15

    In the present study we investigated possible contamination by trace elements due to the oil slick caused by the shipwreck of the Prestige oil tanker, in two species of brown macroalgae (Fucus vesiculosus and Fucus ceranoides) collected from the coastal area most severely affected by the spill (Galicia, NW Spain). The oil slick apparently did not cause significant increases in the concentrations of the trace elements studied, except vanadium. It appears that the magnitude of terrestrial inputs to coastal waters is sufficiently high to mask the inputs of trace elements from the fuel. The observed exception of V suggests that bioaccumulation of this element by the two species of Fucus may be used to indicate exposure to petrochemical products similar to the Prestige fuel. The findings of the study are another example of the importance of the existence of Environmental Specimen Banks for studies of this type. (author)

  1. Effects of the Terra Nova offshore oil development on benthic macro-invertebrates over 10 years of development drilling on the Grand Banks of Newfoundland, Canada

    Science.gov (United States)

    Paine, Michael D.; DeBlois, Elisabeth M.; Kilgour, Bruce W.; Tracy, Ellen; Pocklington, Patricia; Crowley, Roger D.; Williams, Urban P.; Gregory Janes, G.

    2014-12-01

    This paper describes effects of drilling with water and synthetic-based drilling muds on benthic macro-invertebrates over 10 years at the Terra Nova offshore oil development. As such, the paper provides insight on the effects of relatively new synthetic-based drilling muds (SBMs), and makes an important contribution to our understanding of the long-term chronic effects of drilling on benthic communities. The Terra Nova Field is located approximately 350 km offshore on the Grand Banks of Newfoundland (Canada). Sediment and invertebrate samples were collected in 1997 (baseline) prior to drilling, and subsequently in 2000, 2001, 2002, 2004, 2006, 2008 and 2010. Approximately 50 stations were sampled in each year at distances of less than 1 to approximately 20 km from drill centres. Summary benthic invertebrate community measures examined were total abundance, biomass, richness, diversity and multivariate measures of community composition based on non-Metric Dimensional Scaling (nMDS). Decreases in abundance, biomass and richness were noted at one station located nearest (0.14 km) to a drill centre in some environmental effects monitoring (EEM) years. These decreases coincided with higher levels of tracers of drill muds in sediments (barium and >C10-C21 hydrocarbons). Abundances of selected individual taxa were also examined to help interpret responses when project-related effects on summary measures occurred. Enrichment effects on some tolerant taxa (e.g., the polychaete family Phyllodocidae and the bivalve family Tellinidae) and decreased abundances of sensitive taxa (e.g., the polychaete families Orbiniidae and Paraonidae) were detected to within approximately 1-2 km from discharge source. Lagged responses three to five years after drilling started were noted for Phyllodocidae and Tellinidae, suggesting chronic or indirect effects. Overall, results of benthic community analyses at Terra Nova indicate that effects on summary measures of community composition were

  2. DEGRADATION OF WEATHERED OIL BY MIXED MARINE BACTERIA AND THE TOXICITY OF ACCUMULATED WATER-SOLUBLE MATERIAL TO TWO MARINE CRUSTACEA

    Science.gov (United States)

    Artificially weathered crude oil was degraded by four diverse cultures of mixed marine bacteria under optimized conditions for 7 and 14 days. Loss in total weight of starting oil (30 g) ranged from 6.8-17.3% in biologically active incubations compared with only 0.9-1.1% in steril...

  3. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

    To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

  4. Oils

    Energy Technology Data Exchange (ETDEWEB)

    Cobbett, G T.B.

    1907-07-08

    Crude petroleum having a density of 850 to 900 is purified with sulfuric acid, decanted, mixed with benzine or petrol, and again treated with sulfuric acid and decanted. The remaining acid and coloring-matter are removed by washing with water, or treating with oxalic acid, zinc carbonate, lead carbonate, calcium carbonate, or oxide of zinc. The product is used as a fuel for internal-combustion engines. Specifications No. 28,104, A.D. 1906, and No. 12,606, A.D. 1907, are referred to. According to the Provisional Specification, the process is applicable to shale or schist oil.

  5. Entraînement de globules d'huile par un tensio-actif. Etude de la formation du banc Mobilization of Oil Ganglia by a Surfactant Analysis of Bank Formation

    Directory of Open Access Journals (Sweden)

    Moulu J. C.

    2006-11-01

    Full Text Available Lors de l'injection d'une solution de tensio-actif dans un gisement déjà balayé par de l'eau, l'huile résiduelle, piégée sous la forme de globules discontinus, est remise en mouvement et se regroupe éventuellement sous la forme d'un banc d'huile. Le but de la présente étude est d'expliquer la formation de ce banc au cours d'un tel déplacement. Les résultats d'expériences réalisées en micromodèles de billes de verre permettent de constater que : - la récupération globale est corrélable avec le nombre capillaire Nc= uVdf/O, u et Vdf étant la viscosité et la vitesse de Darcy du fluide injecté, O la tension interfaciale avec l'huile en place ; - la vitesse des globules varie différemment avec u, Vdf, O et tend vers la même limite plus grande que la vitesse du fluide injecté pour de grandes valeurs du nombre capillaire Nc ; - le banc d'huile ne se forme que dans le cas où la vitesse des globules atteint celle du fluide injecté. L'huile déplacée reste alors groupée avec une saturation importante au niveau du front de tensio-actif. When a surfactant solution is injected into a reservoir previously waterflooded, the residual oil trapped as discontinuous ganglia is mobilized and eventually bunched together forming an oil bank. The aim of this study is to explain the formation of this bank during such a drive. The results of experiments performed in micromodels of glass beads show that: a Overall recovery can be correlated with the capillary number, Nc = uVfd/O, in which u and Vfd are the viscosity a and Darcy velocity of the injected fluid and O is the interfacial tension with the oil in place. b Ganglia velocity varies differently with u, Vfd and O, and it tends towards the same limit faster than the velocity of the injected fluid for high values of the capillary number Nc. c The oil bank is formed only in the case where globule velocity attaints that of injected fluid. the dispaced oil then remains bunched, with high

  6. 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...

  7. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2014-12-01

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

  8. on the oxidation stability of lubricating oil

    African Journals Online (AJOL)

    DJFLEX

    I. P. Okoye, Dpartment of Pure and Industrial Chemistry,University of Port Harcourt, Nigeria ... of the kinematic viscosity for the formulated oil were much higher than the base oil, while ... including sulphurized oilsoluble organic compounds,.

  9. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  10. Integrated fate modeling for exposure assessment of produced water on the Sable Island Bank (Scotian shelf, Canada).

    Science.gov (United States)

    Berry, Jody A; Wells, Peter G

    2004-10-01

    Produced water is the largest waste discharge from the production phase of oil and gas wells. Produced water is a mixture of reservoir formation water and production chemicals from the separation process. This creates a chemical mixture that has several components of toxic concern, ranging from heavy metals to soluble hydrocarbons. Analysis of potential environmental effects from produced water in the Sable Island Bank region (NS, Canada) was conducted using an integrated modeling approach according to the ecological risk assessment framework. A hydrodynamic dispersion model was used to describe the wastewater plume. A second fugacity-based model was used to describe the likely plume partitioning in the local environmental media of water, suspended sediment, biota, and sediment. Results from the integrated modeling showed that the soluble benzene and naphthalene components reach chronic no-effect concentration levels at a distance of 1.0 m from the discharge point. The partition modeling indicated that low persistence was expected because of advection forces caused by tidal currents for the Sable Island Bank system. The exposure assessment for the two soluble hydrocarbon components suggests that the risks of adverse environmental effects from produced water on Sable Island Bank are low.

  11. 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...

  12. Nano-sized water-in-oil-in-water emulsion enhances intestinal absorption of calcein, a high solubility and low permeability compound.

    Science.gov (United States)

    Koga, Kenjiro; Takarada, Nobuo; Takada, Kanji

    2010-02-01

    Our goal was to develop safe and stable multilayer emulsions capable of enhancing intestinal absorption of biopharmaceutics classification system (BCS) class III drugs. First, w/o emulsions were prepared using calcein as a model BCS class III compound and condensed ricinoleic acid tetraglycerin ester as a hydrophobic emulsifier. Then water-in-oil-in-water (w/o/w) emulsions were prepared with shirasu porous glass (SPG) membranes. Particle size analyses and calcein leakage from oil droplets in w/o/w emulsions led us to select stearic acid hexaglycerin esters (HS-11) and Gelucire 44/14 as hydrophilic emulsifiers. Analyses of the absorption-enhancing effects of w/o/w emulsions on intestinal calcein absorption in rats showed that calcein bioavailability after intraduodenal (i.d.) administration of HS-11 or Gelucire 44/14+polyvinyl alcohol (PVA) w/o/w emulsions prepared with 0.1-microm pore-sized SPGs was significantly higher than that of the calcein control. However, serum calcein concentration vs. time profiles after i.d. administration of w/o/w emulsions prepared with 1.1-microm and 30-microm pore-sized SPGs and an emulsion prepared with a calcein-containing outer water phase were comparable to control profiles. These results suggested that HS-11 or Gelucire 44/14+PVA are safe outer water phase additives and that 0.1-microm pore-sized SPGs are important for preparing w/o/w emulsions that enhanced intestinal calcein absorption. Copyright (c) 2009 Elsevier B.V. All rights reserved.

  13. 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...

  14. Lemon (Citrus limon, Burm.f.) essential oil enhances the trans-epidermal release of lipid-(A, E) and water-(B6, C) soluble vitamins from topical emulsions in reconstructed human epidermis.

    Science.gov (United States)

    Valgimigli, L; Gabbanini, S; Berlini, E; Lucchi, E; Beltramini, C; Bertarelli, Y L

    2012-08-01

    Topical bioavailability of lipid- and water-soluble vitamins is a critical issue for protecting or anti-ageing formulations. Using 17-day-old SkinEthic(®) reconstructed human epidermis, we investigated (at 34°C) the role of lemon EO in enhancing the penetration of α-tocopherol (E) and retinyl acetate (A), pyridoxine (B(6)) and ascorbic acid (C), released from O/W or W/O emulsions. D-limonene, α-pinene and p-cymene (65.9, 2.2 and 0.5%w/w of the oil) had skin permeability coefficients Ps (10(-3) cm h(-1)) of 0.56 ± 0.03 (or 0.73 ± 0.02), 0.72 ± 0.05 (or 0.98 ± 0.05) and 0.84 ± 0.04 (or 1.14 ± 0.04), respectively, when incorporated in a W/O (or O/W) emulsion. Vitamins B6, C and A had Ps values of (3.0 ± 0.4) × 10(-3), (7.9 ± 0.6) × 10(-3) and (0.37 ± 0.02) × 10(-5) cm h(-1), respectively, and their flux through the skin was enhanced by a factor of 4.1, 3.4 and 5.8, respectively, in the presence of lemon EO. The penetration of vitamin E was nine-fold enhanced. Lemon EO produced only reversible modification of TEWL, and it is a safe and effective penetration enhancer for topical administration of lipid- and water-soluble vitamins. © 2012 The Authors. ICS © 2012 Society of Cosmetic Scientists and the Société Française de Cosmétologie.

  15. Measurement of fine particulate matter water-soluble inorganic species and precursor gases in the Alberta Oil Sands Region using an improved semicontinuous monitor.

    Science.gov (United States)

    Hsu, Yu-Mei; Clair, Thomas A

    2015-04-01

    The ambient ion monitor-ion chromatography (AIM-IC) system, which provides hourly measurements of the main chemical components of PM2.5 (particulate matter with an aerodynamic diametergases, was evaluated and deployed from May to July 2011 and April to December 2013 in the Athabasca Oil Sands Region (AOSR) of northeastern Alberta, Canada. The collection efficiencies for the gas-phase SO2 and HNO3 using the cellulose membrane were 96% and 100%, respectively, and the collection efficiency of NH3 using the nylon membrane was 100%. The AIM-IC was compared with a collocated annular denuder sampling system (ADSS) and a Federal Reference Method (FRM) Partisol PM2.5 sampler. The correlation coefficients of SO4(2-) concentrations between the AIM-IC and ADSS and between the AIM-IC and the Partisol PM2.5 sampler were 0.98 and 0.95, respectively. The comparisons also showed no statistically significant difference between the measurement sets, suggesting that the AIM-IC measurements of the PM2.5 chemical composition are comparable to the ADSS and Partisol PM2.5 methods. NH3 concentration in the summer (mean±standard deviation, 1.9±0.7 µg m(-3)) was higher than in the winter (1.3±0.9 µg m(-3)). HNO3 and NO3- concentrations were generally low in the AOSR, and especially in the winter months. NH4+ (0.94±0.96 µg m(-3)) and SO4(2-) (0.58±0.93 µg m(-3)) were the major ionic species of PM2.5. Direct SO2 emissions from oil sands processing operations influenced ambient particulate NH4+ and SO4(2-) values, with hourly concentrations of NH4+ and SO4(2-) measured downwind (~30 km away from the stack) at 10 and 28 µg m(-3). During the regional forest fire event in 2011, high concentrations of NO3-, NH4+, HNO3, NH3, and PM2.5 were observed and the corresponding maximum hourly concentrations were 31, 15, 9.6, 89, and >450 (the upper limit of PM2.5 measurement) µg m(-3), suggesting the formation of NH4NO3. The AOSR in Canada is one of the most scrutinized industrial regions in the

  16. 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-.

  17. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

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

  18. Exposure of Atlantic salmon parr (Salmo salar) to a combination of resin acids and a water soluble fraction of diesel fuel oil: A model to investigate the chemical causes of pigmented salmon syndrome

    International Nuclear Information System (INIS)

    Croce, B.; Scottish Environmental Protection Agency, Aberdeen; Stagg, R.M.

    1997-01-01

    Pigmented salmon syndrome is a pollutant-induced hemolytic anemia and hyperbilirubinemia. As part of an investigation of this condition, S2 Atlantic salmon parr (Salmo salar) were exposed to a diesel fuel oil, water soluble fraction (WSF) in combination with a mixture of three resin acids (isopimaric, dehydroabietic, and abietic acids) in a continuous-flow freshwater system. The total nominal concentrations of resin acids in the exposure tanks were 10, 50, and 100 microg/L; the diesel WSF was generated in situ and provided a mean hydrocarbon concentration of 2.0 ± 0.1 mg/L (n = 12) during the 9-d exposure period. Exposure to the diesel WSF alone depressed liver bilirubin UDP-glucuronosyl transferase (UDPGT) activity and induced phenol UDPGT activity. Exposure to the diesel WSF in the absence or presence of resin acids induced liver cytochrome P4501A and increased the concentrations in the plasma of the enzymes lactate dehydrogenase, alkaline phosphatase, and glutamic oxaloacetic transaminase. The combined exposure to diesel WSF with either 50 or 100 microg/L total resin acid caused significant elevations in the concentrations of bilirubin in the plasma and many of these fish had yellow pigmentation on the ventral surface and around the gill arches. The results demonstrate that exposure to combinations of two groups of contaminants can result in the manifestation of toxic effects not apparent from exposure to either of these chemicals in isolation

  19. Survival of pink salmon (Oncorhynchus gorbuscha) fry to adulthood following a 10-day exposure to aromatic hydrocarbon water-soluble fraction of crude oil and release to the Pacific Ocean

    International Nuclear Information System (INIS)

    Birtwell, I. K.; Fink, R.; Brand, D.; Alexander, R.; McAllister, C. D.

    1999-01-01

    Potential effects of hydrocarbons on salmonids were investigated. In the course of the experiment pink salmon fry were exposed for 10 days to seawater containing varying controlled doses of the water-soluble fractions of North Slope crude oil, comprised primarily of monoaromatics. After exposure the fry were released into the Pacific Ocean to complete their life cycle. The experiments were replicated for three years following the original experiment. No consistent dose-dependent effect of the 10-day exposure on the growth and survival to maturity of the pink salmon was observed, although there was high mortality following each initial release. These results may be considered as one measure of resistance to exposure to contaminants, however, the method is not recommended for general use because it is based on a highly selected sample (i.e. those that survived the initial exposure), and the same results may not apply to populations that have not been subjected to intensive nonselective fishing pressures. In summary, the survival of some fraction of the population of pink salmon is evidence of the robustness of some of these fish, but it is at best a crude indicator of environmental health. 44 refs., 2 tabs., 2 figs

  20. Method of treating oil-bearing shale

    Energy Technology Data Exchange (ETDEWEB)

    Freeman, N H

    1926-04-14

    The process is given for treating shale or other oil-bearing mineral which consists of the application of dry heat to render the oil soluble and subjects the product of the heat treatment to an operation to extract the soluble oils.

  1. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

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

  2. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

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

  3. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

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

  4. 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…

  5. Study on the polarity, solubility, and stacking characteristics of asphaltenes

    KAUST Repository

    Zhang, Long-li; Yang, Guo-hua; Wang, Ji-Qian; Li, Yan; Li, Li; Yang, Chao-he

    2014-01-01

    The structure and transformation of fused aromatic ring system in asphaltenes play an important role in the character of asphaltenes, and in step affect the properties of heavy oils. Polarity, solubility and structural characteristics of asphaltenes

  6. 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...

  7. Gas solubilities widespread applications

    CERN Document Server

    Gerrard, William

    1980-01-01

    Gas Solubilities: Widespread Applications discusses several topics concerning the various applications of gas solubilities. The first chapter of the book reviews Henr's law, while the second chapter covers the effect of temperature on gas solubility. The third chapter discusses the various gases used by Horiuti, and the following chapters evaluate the data on sulfur dioxide, chlorine data, and solubility data for hydrogen sulfide. Chapter 7 concerns itself with solubility of radon, thoron, and actinon. Chapter 8 tackles the solubilities of diborane and the gaseous hydrides of groups IV, V, and

  8. 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

  9. The role of the European Bank in the energy sector

    International Nuclear Information System (INIS)

    Coleman, J.

    1993-01-01

    The European Bank for Reconstruction and Development was established in 1991 to assist central and eastern European countries in making the transition from command economies to market economies. The Bank provides loans, equity investments, guarantees, advice, and technical cooperation to qualified applicants through its merchant banking and development banking operations. In the energy sector, the Bank recognizes that the energy resources of eastern Europe are enormous but so are the problems associated with their development. Since its foundation, most of the Bank's energy-related lending has been in the oil and gas sector in Russia and the Baltic countries. The Bank has approved eight projects in that sector with total capital costs of ca US$1.7 billion. Major problem areas to be overcome include uneconomic domestic pricing, high energy intensity and pollution, inadequate legal frameworks, inappropriate tax structures, and institutional complexity. Canadian firms have been actively involed in Bank-financed projects in the Russian oil and gas sector, and two such projects are briefly described. They comprise joint ventures with Russian enterprises or associations and include rehabilitation of Siberian oil fields and drilling new wells in the Komi (Arctic) region. A common feature of these projects is that they were well under way before the Bank got involved, but the Bank brings the benefits of additional financing and providing moral support and expertise which can be useful in overcoming administrative and regulatory difficulties

  10. Neptunium (IV) oxalate solubility

    International Nuclear Information System (INIS)

    Luerkens, D.W.

    1983-07-01

    The equilibrium solubility of neptunium (IV) oxalate in nitric/oxalic acid solutions was determined at 22 0 C, 45 0 C, and 60 0 C. The concentrations of nitric/oxalic acid solutions represented a wide range of free oxalate ion concentration. A mathematical solubility model was developed which is based on the formation of the known complexes of neptunium (IV) oxalate. the solubility model uses a simplified concentration parameter which is proportional to the free oxalate ion concentration. The solubility model can be used to estimate the equilibrium solubility of neptunium (IV) oxalate over a wide range of oxalic and nitric acid concentrations at each temperature

  11. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  12. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

  13. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  14. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

    Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

  15. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

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

  16. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

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

  17. Bioremediation prospects of fungi isolated from water soluble ...

    African Journals Online (AJOL)

    The fungi associated with water soluble fraction (WSF) of crude oil from two different locations were investigated. The samples were collected from Ezibin oil well (Sample A), Okwagbe village in Ughelli South Local Government Area of Delta State and from NPDC laboratory (Sample B) in Benin City, Oredo Local ...

  18. 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....

  19. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  20. 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 ...

  1. 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...

  2. "JCE" Classroom Activity #105. A Sticky Situation: Chewing Gum and Solubility

    Science.gov (United States)

    Montes-Gonzalez, Ingrid; Cintron-Maldonado, Jose A.; Perez-Medina, Ilia E.; Montes-Berrios, Veronica; Roman-Lopez, Saurie N.

    2010-01-01

    In this Activity, students perform several solubility tests using common food items such as chocolate, chewing gum, water, sugar, and oil. From their observations during the Activity, students will initially classify the substances tested as soluble or insoluble. They will then use their understanding of the chemistry of solubility to classify the…

  3. Shale oil. II. Gases from oil shale

    Energy Technology Data Exchange (ETDEWEB)

    McKee, R H; Manning, P D.V.

    1927-01-01

    Oil shale (from Colorado) was pyrolyzed, and the gaseous products obtained were studied. The organic material present in oil shale contains carboxyl groups that lose carbon dioxide during pyrolysis before the formation of soluble bitumen. Nitrogen was evolved as ammonia in two stages and was not continuous. The first evolution was from loosely combined nitrogen structures, whereas the second was from more stable forms. No hydrocarbons were present as such in the kerogen. The gaseous products from oil-shale pyrolysis were similar to those obtained by distillation of colophony, amber, coal, and wood. This places the kerogen of the oil shale in the same series of carbonaceous substances as those from which coals are formed. Kerogen appeared to be decomposed in three steps; namely, to insoluble bitumen, to soluble bitumen, and to oil (gas evolution accompanied each step). Its low solubility and the character of its pyrolytic gas indicated that kerogen is largely a resinous residue from vegetation of the past era and may have been formed by the tranportation of coal-forming organic debris to inland salty lakes or carried to the sea by clay-laden waters. The salt water and the natural settling action precipitated the clay and organic matter in an almost homogeneous deposit. Oil shales have existed to the present time because they have not been subjected to high pressures or elevated temperatures that would have changed them to petroleum.

  4. Vegetable oil spills : oil properties and behaviour

    International Nuclear Information System (INIS)

    Fingas, M.; Fieldhouse, B.; Jokuty, P.

    2001-01-01

    In 1997, the United States Environmental Protection Agency conducted a thorough review of the issue regarding vegetable oil spills. Recent attention has refocused on this issue as a result of an incident where 20 tons of canola oil was spilled in the Vancouver Harbour in 2000. In the past, vegetable oils were suggested to be a useful test material because they were thought to be innocuous. It was even suggested they be used to remove petroleum oil residues from beaches. However, recent studies have shown that spills of vegetable oils can have major environmental consequences, equivalent to those of petroleum oil spills. The spills have devastating effects on birds and intertidal organisms. This paper presented a summary of historical vegetable spills from around the world. In this study, specific behaviour tests were examined for several oils including canola, soy bean, olive, castor and corn oils. Evaporation, water-in-oil emulsification and chemical dispersion were measured and were found to be nearly zero, suggesting that vegetable oil spills are not very soluble in water. The aquatic toxicity of vegetable oil is low, but their fate is quite different from petroleum. Vegetable oils do not evaporate to a significant degree, they do not form water-in-oil emulsions, nor do they disperse in water. The physical properties of vegetable oils were also measured, including density and viscosity. This paper presented the aquatic toxicity of several vegetable oils along with other environmental data including the degradation rates noted in the literature. Most environmental damage reported in the literature is by contact with birds feathers resulting in hypothermia and secondly by smothering of intertidal organisms. The effect of vegetable oil on fish has not been well studied, but it is expected that there will be little destructive effect except where smothering can occur. 35 refs., 3 tabs

  5. Vegetable oil spills : oil properties and behaviour

    Energy Technology Data Exchange (ETDEWEB)

    Fingas, M.; Fieldhouse, B.; Jokuty, P. [Environment Canada, Ottawa, ON (Canada). Emergencies Science Div

    2001-07-01

    In 1997, the United States Environmental Protection Agency conducted a thorough review of the issue regarding vegetable oil spills. Recent attention has refocused on this issue as a result of an incident where 20 tons of canola oil was spilled in the Vancouver Harbour in 2000. In the past, vegetable oils were suggested to be a useful test material because they were thought to be innocuous. It was even suggested they be used to remove petroleum oil residues from beaches. However, recent studies have shown that spills of vegetable oils can have major environmental consequences, equivalent to those of petroleum oil spills. The spills have devastating effects on birds and intertidal organisms. This paper presented a summary of historical vegetable spills from around the world. In this study, specific behaviour tests were examined for several oils including canola, soy bean, olive, castor and corn oils. Evaporation, water-in-oil emulsification and chemical dispersion were measured and were found to be nearly zero, suggesting that vegetable oil spills are not very soluble in water. The aquatic toxicity of vegetable oil is low, but their fate is quite different from petroleum. Vegetable oils do not evaporate to a significant degree, they do not form water-in-oil emulsions, nor do they disperse in water. The physical properties of vegetable oils were also measured, including density and viscosity. This paper presented the aquatic toxicity of several vegetable oils along with other environmental data including the degradation rates noted in the literature. Most environmental damage reported in the literature is by contact with birds feathers resulting in hypothermia and secondly by smothering of intertidal organisms. The effect of vegetable oil on fish has not been well studied, but it is expected that there will be little destructive effect except where smothering can occur. 35 refs., 3 tabs.

  6. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

  7. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  8. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  9. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  10. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  11. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  12. 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...

  13. The Asian Development Bank's past and future involvement in financing gas projects in developing member countries of the Bank

    International Nuclear Information System (INIS)

    Chua, S.B.

    1991-01-01

    This paper presents a review of the Bank's involvement in financing gas projects in its developing member countries (DMC's). The paper highlights the scope of the Bank's past activities in the sector, the DMC's which had received assistance from the Bank, the types of projects financed by the Bank, the benefits expected to be derived from the projects, and the past problems encountered by the Bank. The operational framework under which past Bank lending to the gas sector was conducted is also described. The prospects of natural gas playing a prominent role as an environmentally preferred energy source to oil and coal are outlined. Indications of the direction of the Bank's future efforts to help its gas-resource-rich as well as its gas-resource-poor DMC's to quicken the use of natural gas are given. While emphasizing the Bank's contributions in helping its DMC's to increase gas supply to alleviate energy shortages, the paper stresses the important role the Bank has played and will play in institution-building and sector-development work. The paper explores the possibility for the Bank to expand its operations in the gas sector which will lead to the efficient and accelerated development of a clean energy source that will help its DMC's avoid a third oil crisis and reduce the damaging build-up of a greenhouse gas which now threatens to harm the global environment

  14. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

  16. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  17. 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

  18. 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...

  19. 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...

  20. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

    The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

  1. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  2. GenBank

    Data.gov (United States)

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

  3. 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...

  4. 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...

  5. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  6. GenBank

    OpenAIRE

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

    2006-01-01

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

  7. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  8. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

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

  9. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  10. Examination of body burden and taint for Iceland scallop (Chlamys islandica) and American plaice (Hippoglossoides platessoides) near the Terra Nova offshore oil development over ten years of drilling on the Grand Banks of Newfoundland, Canada

    Science.gov (United States)

    DeBlois, Elisabeth M.; Kiceniuk, Joe W.; Paine, Michael D.; Kilgour, Bruce W.; Tracy, Ellen; Crowley, Roger D.; Williams, Urban P.; Gregory Janes, G.

    2014-12-01

    This paper presents results of analyses of body burdens of metals and hydrocarbons, and taste tests for taint, in Iceland scallop and American plaice performed as part of the Environmental Effects Monitoring (EEM) program for the Terra Nova offshore oil development (Grand Banks of Newfoundland, Canada). Scallop and plaice were collected in a Study Area located within approximately 1 km of drill centres at Terra Nova and in a Reference Area located approximately 20 km from the development. Samples were collected in 1997 to establish a baseline, and from 2000 to 2010, during drilling periods. Scallop adductor muscle tissue was contaminated with >C10-C21 aliphatic hydrocarbons resembling the drilling fluid in the synthetic drilling mud (SBM) used at Terra Nova in 2000, 2002 and 2004, but contamination of adductor muscle was not noted in 2006, 2008 and 2010. The maximum concentration in muscle was 28 mg/kg wet weight, noted in 2002. Scallop viscera was contaminated with hydrocarbons resembling drilling fluid in SBMs near drill centres in all EEM years except 2010. Viscera contamination with >C10-C21 hydrocarbons gradually decreased from a maximum of 150 mg/kg in 2000, to a maximum of 27 mg/kg in 2008; all values were below the laboratory reporting detection limit of 15 mg/kg in 2010. Therefore, evidence from both muscle and viscera indicates a decrease in tissue hydrocarbon contamination in recent years. Barium, another major constituent in drilling muds, has not been noted in scallop adductor muscles at concentrations above the reporting detection limit, but barium was detected in viscera in baseline and EEM years. The maximum concentration of barium in viscera during baseline sampling was 8 mg/kg. The maximum concentration in EEM years (29 mg/kg) was noted in 2000. The maximum concentration in 2010 was 25 mg/kg. The concentration of metals other than barium in scallop tissues was similar between the Terra Nova Study Area and the Reference Area. Hydrocarbons

  11. Separation of oils from solids

    International Nuclear Information System (INIS)

    Van Slyke, D.C.

    1992-01-01

    This patent describes a method for cleaning oil-contaminated particulate solids. It comprises: contacting contaminated solids with a non-aqueous liquid composition comprising a carboxylic acid; then contacting the solids with an aqueous wash containing a reagent for converting the carboxylic acid to a water-soluble carboxylate salt; and removing an aqueous phase containing carboxylate salt and entrained oil

  12. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

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

  13. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

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

  14. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  15. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

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

  16. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  17. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

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

  18. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  19. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

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

  20. Internal pressure and solubility parameter as a function of pressure

    DEFF Research Database (Denmark)

    Verdier, Sylvain Charles Roland; Andersen, Simon Ivar

    2005-01-01

    The main goal of this work was to measure the solubility parameter of a complex mixture, such as a crude oil, especially as a function of pressure. Thus, its definition is explained, as well as the main approximations generally used in literature. Then, the internal pressure is investigated, since...... pure compounds (four hydrocarbons and I alcohol) were investigated at 303.15 K and up to 30 MPa, as well as a dead crude oil. The "physical" solubility parameter is slightly increasing with pressure (up to 0.8 MPa1/2 for cyclohexane) and, at 0.1 MPa, the difference with literature data is less than 1...

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

    Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

  2. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  3. Refining mineral oils

    Energy Technology Data Exchange (ETDEWEB)

    1946-07-05

    A process is described refining raw oils such as mineral oils, shale oils, tar, their fractions and derivatives, by extraction with a selected solvent or a mixture of solvents containing water, forming a solvent more favorable for the hydrocarbons poor in hydrogen than for hydrocarbons rich in hydrogen, this process is characterized by the addition of an aiding solvent for the water which can be mixed or dissolved in the water and the solvent or in the dissolving mixture and increasing in this way the solubility of the water in the solvent or the dissolving mixture.

  4. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  5. 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...

  6. 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.

  7. A Soluble, Folded Protein without Charged Amino Acid Residues

    DEFF Research Database (Denmark)

    Højgaard, Casper; Kofoed, Christian; Espersen, Roall

    2016-01-01

    Charges are considered an integral part of protein structure and function, enhancing solubility and providing specificity in molecular interactions. We wished to investigate whether charged amino acids are indeed required for protein biogenesis and whether a protein completely free of titratable...... side chains can maintain solubility, stability, and function. As a model, we used a cellulose-binding domain from Cellulomonas fimi, which, among proteins of more than 100 amino acids, presently is the least charged in the Protein Data Bank, with a total of only four titratable residues. We find...

  8. Submission to the Georges Bank Review Panel

    Energy Technology Data Exchange (ETDEWEB)

    Rankin, E.; Butler, M.; Church, T.

    1999-01-01

    The Georges Bank, off southwestern Nova Scotia, is one of the most biologically productive continental shelf ecosystems in the world. It supports a wide diversity of species, including many seabirds. In 1988, federal and provincial legislation placed a moratorium on petroleum exploration and drilling on the Georges Bank, directing the ministers of Natural Resources Canada, and of the Nova Scotia Department of Natural Resources to make a decision regarding the moratorium by January 1, 2000. This report by the Ecology Action Centre (EAC) asks the Georges Bank Review Panel to recommend extending the moratorium on Georges Bank and adjacent areas until 2012, in part to match the American moratorium. Other reasons why the panel made this recommendation were explored. The principal reason is the EAC concern that when the moratorium is lifted, several oil and gas developments will proceed in this ecologically significant offshore area that could result in the loss of the ecological integrity of Georges Bank. The EAC contends that before oil and gas development in the region could begin, the following issues would have to be resolved: (1) disposal of drill muds and cuttings, (2) volume and disposal of produced water, (3) effects of small and large spills, (4) impact of seismic activities on whales and turtles, and (5) carbon dioxide emission through venting and flaring. Also, the EAC does not believe that developing Georges Bank will create as many jobs in the affected communities as some people suggest. Lifting the moratorium by Canada would also frustrate American environmental goals, as well as compromise Canada`s position in international environmental partnerships such as the Gulf of Maine Council. 19 refs., tabs., figs.

  9. Submission to the Georges Bank Review Panel

    International Nuclear Information System (INIS)

    Rankin, E.; Butler, M.; Church, T.

    1999-01-01

    The Georges Bank, off southwestern Nova Scotia, is one of the most biologically productive continental shelf ecosystems in the world. It supports a wide diversity of species, including many seabirds. In 1988, federal and provincial legislation placed a moratorium on petroleum exploration and drilling on the Georges Bank, directing the ministers of Natural Resources Canada, and of the Nova Scotia Department of Natural Resources to make a decision regarding the moratorium by January 1, 2000. This report by the Ecology Action Centre (EAC) asks the Georges Bank Review Panel to recommend extending the moratorium on Georges Bank and adjacent areas until 2012, in part to match the American moratorium. Other reasons why the panel made this recommendation were explored. The principal reason is the EAC concern that when the moratorium is lifted, several oil and gas developments will proceed in this ecologically significant offshore area that could result in the loss of the ecological integrity of Georges Bank. The EAC contends that before oil and gas development in the region could begin, the following issues would have to be resolved: (1) disposal of drill muds and cuttings, (2) volume and disposal of produced water, (3) effects of small and large spills, (4) impact of seismic activities on whales and turtles, and (5) carbon dioxide emission through venting and flaring. Also, the EAC does not believe that developing Georges Bank will create as many jobs in the affected communities as some people suggest. Lifting the moratorium by Canada would also frustrate American environmental goals, as well as compromise Canada's position in international environmental partnerships such as the Gulf of Maine Council. 19 refs., tabs., figs

  10. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

    Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

  11. Adopting Internet Banking in Ghana

    OpenAIRE

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

    2013-01-01

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

  12. [Grand Banks activity : updates and opportunities

    International Nuclear Information System (INIS)

    Bruce, G.

    1998-01-01

    An overview of the exploration and on-going activities by the petroleum industry on the Grand Banks of Newfoundland was presented. The two offshore oil developments underway are Hibernia and Terra Nova, both located in the Jeanne d'Arc Basin. Current production from Hibernia is 68,000 bopd, expected to rise to 130,000 bopd in 1999. The Terra Nova Field is still under development. Total recoverable reserves from the 17 discoveries made in the Jeanne d'Arc Basin are estimated at 1.6 billion barrels of oil and 4 trillion cubic feet of gas. Industry participants in the area include Amoco, Petro-Canada, Mobil, Chevron, Husky and Norsk Hydro. Petro-Canada believes the Grand Banks represent one of the best opportunities for oil anywhere in the world. There are currently 21 exploration licenses held on the Grand Banks. Major attractions of the area include the large reserve potential, the relatively low finding costs, the size of the pools being discovered, improvements in offshore technology that have substantially lowered development costs, and a profit-sensitive generic royalty regime that ensures reasonable rates of return for investors. figs

  13. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  14. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

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

  15. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  16. Soluble CD163

    DEFF Research Database (Denmark)

    Møller, Holger J

    2012-01-01

    CD163 is an endocytic receptor for haptoglobin-hemoglobin complexes and is expressed solely on macrophages and monocytes. As a result of ectodomain shedding, the extracellular portion of CD163 circulates in blood as a soluble protein (sCD163) at 0.7-3.9 mg/l in healthy individuals. The function o...

  17. Solubility Part 1

    NARCIS (Netherlands)

    Tantra, Ratna; Bolea, Eduardo; Bouwmeester, H.; Rey-Castro, Carlos; David, C.A.A.; Dogné, Jean Michel; Laborda, Francisco; Laloy, Julie; Robinson, Kenneth N.; Undas, A.K.; Zande, van der M.

    2016-01-01

    This chapter gives an overview of different methods that can potentially be used to determine the solubility of nanomaterials. In general, the methods presented can be broadly divided into four categories: separation methods, methods to quantify free ions, methods to quantify total dissolved

  18. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

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

  19. Digital Banking 2025

    OpenAIRE

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

    2017-01-01

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

  20. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

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

  1. GenBank

    OpenAIRE

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

    2008-01-01

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

  2. GenBank

    OpenAIRE

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

    2012-01-01

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

  3. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

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

  4. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  5. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  6. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

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

  7. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  8. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

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

  9. Physical and ionic characteristics in water soluble fraction (WSF) of ...

    African Journals Online (AJOL)

    The values of ionic and physical characteristics at 25, 50 and 100% water soluble fraction (WSF) of Olomoro well-head crude oil before and after exposure to Azolla africana were investigated. The WSF values before and after exposure to the plants showed that more ions were available after the introduction of the test plant.

  10. Aqueous solubility, dispersibility and toxicity of biodiesels

    International Nuclear Information System (INIS)

    Hollebone, B.P.; Fieldhouse, B.; Lumley, T.C.; Landriault, M.; Doe, K.; Jackman, P.

    2007-01-01

    The renewed interest in the use of biological fuels can be attributed to that fact that feedstocks for fatty-acid ester biodiesels are renewable and can be reclaimed from waste. Although there are significant benefits to using biodiesels, their increased use leaves potential for accidental release to the environment. Therefore, their environmental behaviours and impacts must be evaluated along with the risk associated with their use. Biodiesel fuels may be made from soy oil, canola oil, reclaimed restaurant grease, fish oil and animal fat. The toxicological fate of biofuel depends on the variability of its chemical composition. This study provided an initial assessment of the aqueous fate and effects of biodiesel from a broad range of commonly available feedstocks and their blends with petroleum diesels. The study focused primarily on the fate and impact of these fuels in fresh-water. The use of chemical dispersion as a countermeasure for saltwater was also investigated. The exposure of aquatic ecosystems to biodiesels and petroleum diesel occurs via the transfer of material from the non-aqueous phase liquid (NAPL) into the aqueous phase, as both soluble and dispersed components. The aqueous solubilities of the fuels were determined from the equilibrium water-accommodated fraction concentrations. The acute toxicities of many biodiesels were reported for 3 test species used by Environment Canada for toxicological evaluation, namely rainbow trout, the water flea and a luminescent bacterium. This study also evaluated the natural potential for dispersion of the fuels in the water column in both low and high-energy wave conditions. Chemical dispersion as a potential countermeasure for biodiesel spills was also evaluated using solubility testing, acute toxicity testing, and dispersibility testing. It was shown that biodiesels have much different fates and impacts from petroleum diesels. The compounds partitioning into the water column are also very different for each

  11. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  12. Bioassay using the water soluble fraction of a Nigerian Light Crude ...

    African Journals Online (AJOL)

    Summary: A 96-hour bioassay was conducted using the water soluble fraction of a Nigerian light crude oil sample on Clarias gariepinus fingerlings. 0, 2.5, 5.0, 7.5 and 10 mls of water soluble fractions (WSF) of the oil were added to 1000 litres of de-chlorinated tap water to form 0, 25, 50 , 75 and 100 parts per million ...

  13. 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...

  14. 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-...

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

    Directory of Open Access Journals (Sweden)

    Miranda Petronella VLAD

    2012-11-01

    Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

  16. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

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

  17. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

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

  18. Organization of eye bank

    International Nuclear Information System (INIS)

    Reddy, S.C.

    1999-01-01

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

  19. Optimal Central Bank Transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  20. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2008-01-01

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

  1. Optimal central bank transparency

    NARCIS (Netherlands)

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

    2010-01-01

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

  2. Transparency of Banking Supervisors

    NARCIS (Netherlands)

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

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

  3. International fuel bank

    International Nuclear Information System (INIS)

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

  4. Destroy The Bank! (case)

    NARCIS (Netherlands)

    G.J. Van der Star; dr. A. Maas

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the

  5. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

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

  6. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

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

  7. The competitive challenge in banking

    NARCIS (Netherlands)

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

    2005-01-01

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

  8. Uranyl Oxalate Solubility

    Energy Technology Data Exchange (ETDEWEB)

    Leturcq, G.; Costenoble, S.; Grandjean, S. [CEA Marcoule DEN/DRCP/SCPS/LCA - BP17171 - 30207 Bagnols sur Ceze cedex (France)

    2008-07-01

    The solubility of uranyl oxalate was determined at ambient temperature by precipitation in oxalic-nitric solutions, using an initial uranyl concentration of 0.1 mol/L. Oxalic concentration varied from 0.075 to 0.3 mol/L while nitric concentration ranged between 0.75 and 3 mol/L. Dissolution tests, using complementary oxalic-nitric media, were carried out for 550 hours in order to study the kinetic to reach thermodynamic equilibrium. Similar solubility values were reached by dissolution and precipitation. Using the results, it was possible to draw the solubility surface versus oxalic and nitric concentrations and to determine both the apparent solubility constant of UO{sub 2}C{sub 2}O{sub 4}, 3H{sub 2}O (Ks) and the apparent formation constant of the first uranyl-oxalate complex UO{sub 2}C{sub 2}O{sub 4} (log {beta}1), for ionic strengths varying between 1 and 3 mol/L. Ks and log {beta}1 values were found to vary from 1.9 10{sup -8} to 9.2 10{sup -9} and from 5.95 to 6.06, respectively, when ionic strength varied from 1 to 3 mol/L. A second model may fit our data obtained at an ionic strength of 3 mol/L suggesting as reported by Moskvin et al. (1959) that no complexes are formed for [H{sup +}] at 3 M. The Ks value would then be 1.3 10{sup -8}. (authors)

  9. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

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

  10. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

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

  11. GREEN BANKING IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Dumitrascu Mihaela

    2014-07-01

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

  12. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  13. Bank and sovereign debt risk

    OpenAIRE

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

    2013-01-01

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

  14. Ecotoxicological study of used lubricating oil

    International Nuclear Information System (INIS)

    Wong, P.K.; Chan, W.L.; Wang, J.; Wong, C.K.

    1995-01-01

    Used lubricating oil is more toxic than crude oil and fuel oil since it contains comparatively high levels of heavy metals and polycyclic aromatic hydrocarbons (PAHs). No detail toxicological study has been conducted to evaluate the hazards of used lubricating oil to the environment. This study reports a battery of bioassays using bacteria (Microtox test and Mutatox test), algae, amphipod and shrimp larvae to determine the toxicity of water soluble fraction of used lubricating oil. The results will be used to formulate a complete and extensive ecotoxicological assessment of the impacts of used lubricating oil on aquatic environment

  15. Argon solubility in liquid steel

    NARCIS (Netherlands)

    Boom, R; Dankert, O; Van Veen, A; Kamperman, AA

    2000-01-01

    Experiments have been performed to establish the solubility of argon in liquid interstitial-free steel. The solubility appears to be lower than 0.1 at ppb, The results are in line with argon solubilities reported in the literature on liquid iron. Semiempirical theories and calculations based on the

  16. Virgin almond oil: Extraction methods and composition

    Energy Technology Data Exchange (ETDEWEB)

    Roncero, J.M.; Alvarez-Orti, M.; Pardo-Gimenez, A.; Gomez, R.; Rabadan, A.; Pardo, J.E.

    2016-07-01

    In this paper the extraction methods of virgin almond oil and its chemical composition are reviewed. The most common methods for obtaining oil are solvent extraction, extraction with supercritical fluids (CO2) and pressure systems (hydraulic and screw presses). The best industrial performance, but also the worst oil quality is achieved by using solvents. Oils obtained by this method cannot be considered virgin oils as they are obtained by chemical treatments. Supercritical fluid extraction results in higher quality oils but at a very high price. Extraction by pressing becomes the best option to achieve high quality oils at an affordable price. With regards chemical composition, almond oil is characterized by its low content in saturated fatty acids and the predominance of monounsaturated, especially oleic acid. Furthermore, almond oil contains antioxidants and fat-soluble bioactive compounds that make it an oil with interesting nutritional and cosmetic properties.

  17. Virgin almond oil: Extraction methods and composition

    International Nuclear Information System (INIS)

    Roncero, J.M.; Alvarez-Orti, M.; Pardo-Gimenez, A.; Gomez, R.; Rabadan, A.; Pardo, J.E.

    2016-01-01

    In this paper the extraction methods of virgin almond oil and its chemical composition are reviewed. The most common methods for obtaining oil are solvent extraction, extraction with supercritical fluids (CO2) and pressure systems (hydraulic and screw presses). The best industrial performance, but also the worst oil quality is achieved by using solvents. Oils obtained by this method cannot be considered virgin oils as they are obtained by chemical treatments. Supercritical fluid extraction results in higher quality oils but at a very high price. Extraction by pressing becomes the best option to achieve high quality oils at an affordable price. With regards chemical composition, almond oil is characterized by its low content in saturated fatty acids and the predominance of monounsaturated, especially oleic acid. Furthermore, almond oil contains antioxidants and fat-soluble bioactive compounds that make it an oil with interesting nutritional and cosmetic properties.

  18. Measurement and correlation of solubility of carbon dioxide in triglycerides

    International Nuclear Information System (INIS)

    Howlader, Md Shamim; French, William Todd; Toghiani, Hossein; Hartenbower, Ben; Pearson, Larry; DuBien, Janice; Rai, Neeraj

    2017-01-01

    Graphical abstract: Comparison of experimental results with correlation for solubility of CO 2 in triglycerides as a function pressure at two different temperatures of 289.15 and 303.15 K, respectively. - Highlights: • New pressure drop gas apparatus was developed to determine the solubility of gases in liquids. • Solubility of CO 2 in triglycerides was measured at different temperatures and pressures. • Experimental solubility data were correlated using three thermodynamic models. • Enthalpy, entropy and Gibbs energy of dissolution for CO 2 -triglyceride were determined. - Abstract: A new pressure drop solubility gas apparatus was developed to determine the solubility of carbon dioxide in canola oil, a triglyceride consisting primarily of oleic, linoleic, and alpha linoleic acid radicals. Solubility of CO 2 in triglycerides was determined at different temperatures (283.2–303.2 K) and pressures (600–2450 kPa). It was found that the solubility of CO 2 in triglycerides is higher than that of pure water because triglycerides lack strong hydrogen bond networks that exist in liquid water at the ambient conditions. The experimental solubility was correlated using Krichevsky–Kasarnovsky (KK), Mather-Jou (MJ), and Carvalho-Coutinho (CC) correlations. We find that KK and MJ equations can predict the solubility with higher accuracy. The enthalpy and entropy of absorption of CO 2 were calculated using the van’t Hoff plot and were found to be −7.165 kJ.mol −1 , and −28.791 J.mol −1 .K −1 , respectively.

  19. Valuation of international oil- and gas companies

    International Nuclear Information System (INIS)

    Osmundsen, Petter; Mohn, Klaus; Espedal, Harald; Loevaas, Kjell

    2002-01-01

    In Norway, stock exchange quotation of Statoil has led to increased interest in valuation of oil companies. This article goes through the theory of corporate valuation. Then it compares the theory with practice, where valuation largely is built on accounts-based indicators. Taking the oil companies as a case, the article describes and evaluates the valuation methods used by analysts and investment banks

  20. Characterization of Soluble Organics in Produced Water

    Energy Technology Data Exchange (ETDEWEB)

    Bostick, D.T.

    2002-01-16

    Soluble organics in produced water and refinery effluents represent treatment problems for the petroleum industry. Neither the chemistry involved in the production of soluble organics nor the impact of these chemicals on total effluent toxicity is well understood. The U.S. Department of Energy provides funding for Oak Ridge National Laboratory (ORNL) to support a collaborative project with Shell, Chevron, Phillips, and Statoil entitled ''Petroleum and Environmental Research Forum project (PERF 9844: Manage Water-Soluble Organics in Produced Water''). The goal of this project, which involves characterization and evaluation of these water-soluble compounds, is aimed at reducing the future production of such contaminants. To determine the effect that various drilling conditions might have on water-soluble organics (WSO) content in produced water, a simulated brine water containing the principal inorganic components normally found in Gulf of Mexico (GOM) brine sources was prepared. The GOM simulant was then contacted with as-received crude oil from a deep well site to study the effects of water cut, produced-water pH, salinity, pressure, temperature, and crude oil sources on the type and content of the WSO in produced water. The identities of individual semivolatile organic compounds (SVOCs) were determined in all as-received crude and actual produced water samples using standard USEPA Method (8270C) protocol. These analyses were supplemented with the more general measurements of total petroleum hydrocarbon (TPH) content in the gas (C{sub 6}-C{sub 10}), diesel (C{sub 10}-C{sub 20}), and oil (C{sub 20}-C{sub 28}) carbon ranges as determined by both gas chromatographic (GC) and infrared (IR) analyses. An open liquid chromatographic procedure was also used to differentiate the saturated hydrocarbon, aromatic hydrocarbon, and polar components within the extractable TPH. Inorganic constituents in the produced water were analyzed by ion

  1. 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 ...

  2. Shale oil. I. Genesis of oil shales and its relation to petroleum and other fuels

    Energy Technology Data Exchange (ETDEWEB)

    McKee, R H; Manning, P D.V.

    1927-01-01

    Oil-shale kerogen originated from resinous vegetation residues of past eras, whereas well petroleum was formed from oil shales by pressure and mild heat. Petroleum migrated to its present reservoir from neighboring oil-shale deposits, leaving a residue of black bituminous shales. The high carbon dioxide content of gases present in petroleum wells originated from kerogen, as it gives off carbon dioxide gas before producing soluble oil or bitumen.

  3. 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.

  4. Soluble porphyrin polymers

    Science.gov (United States)

    Gust, Jr., John Devens; Liddell, Paul Anthony

    2015-07-07

    Porphyrin polymers of Structure 1, where n is an integer (e.g., 1, 2, 3, 4, 5, or greater) ##STR00001## are synthesized by the method shown in FIGS. 2A and 2B. The porphyrin polymers of Structure 1 are soluble in organic solvents such as 2-MeTHF and the like, and can be synthesized in bulk (i.e., in processes other than electropolymerization). These porphyrin polymers have long excited state lifetimes, making the material suitable as an organic semiconductor for organic electronic devices including transistors and memories, as well as solar cells, sensors, light-emitting devices, and other opto-electronic devices.

  5. The role of the European Bank in the energy sector

    International Nuclear Information System (INIS)

    Coleman, John

    1994-01-01

    The European Bank for Reconstruction and Development was established in 1991 and is owned by the western industrialized countries, including Canada, and the former communist countries of Europe and Central Asia. Its purpose is to assist the latter to make the transition from command to market economies in a democratic framework. In the energy sector, most of the EBRD's lending has been in the oil and gas sector in Russia, but it is open for business in other sectors and in all countries of operation. Unlike other development banks, the EBRD is prepared to finance nuclear power projects. The bank is also prepared to finance conventional power plants where these would permit the closure of obsolete or unsafe nuclear plants. In the oil and gas sector, most of the EBRD's lending has related to private sector, joint venture projects aimed at oil field rehabilitation and development. The private sector ventures supported by the Bank normally involve joint stock companies owned 50 per cent by western partners and 50 per cent by Russian state oil companies, which are being privatized or are operating according to private sector principles. (author)

  6. Metal working oils. Cutting oils, rolling oils, quenching oils, rust preventive oils; Kinzoku kakoyu. Sessakuyu, atsuenyu, yakiireyu, boseiyu

    Energy Technology Data Exchange (ETDEWEB)

    Koyama, S. [Idemitsu Kosan Co. Ltd., Tokyo (Japan)

    1996-04-01

    With the demand against complicating working techniques for a background, foundations of the consideration for each of the lubricants in future are outlined. 1. Cutting oils: From the standpoint of speeding up and fireproofing, share of water-soluble type has come up to 30-40%. In this type, emulsifying dispersants and preservatives are combined. 2. Rolling oils: According to thinning of the standard thickness of steel plates, pressure of contacting surfaces has come up to 300 kg/mm{sup 2}(max.) and slip speed has increased too. In stainless steel plates, in order to get rid of the heat-streak (baking streak originated from wearing-out of oil film) shifting from neat oil to emulsion type is required. 3. Quenching oils: Following two systems are recent tendencies, the mineral oil system having excellent thermostability or the water system containing polyalkylneglycol etc., but the latter is expected from the viewpoint of fireproofing. 4. Rust preventive oils: As this oils do not aim at the rust prevention for long term, degreasing property is required. 20 refs., 5 figs., 1 tab.

  7. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  8. Protein Data Bank (PDB)

    Data.gov (United States)

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

  9. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  10. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

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

  11. Mitigation Banking Factsheet

    Science.gov (United States)

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

  12. Palm Oil

    Science.gov (United States)

    Palm oil is obtained from the fruit of the oil palm tree. Palm oil is used for preventing vitamin A deficiency, cancer, ... blood pressure, high cholesterol, and cyanide poisoning. Palm oil is used for weight loss and increasing the ...

  13. Diesel oil

    Science.gov (United States)

    Oil ... Diesel oil ... Diesel oil poisoning can cause symptoms in many parts of the body. EYES, EARS, NOSE, AND THROAT Loss of ... most dangerous effects of hydrocarbon (such as diesel oil) poisoning are due to inhaling the fumes. NERVOUS ...

  14. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

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

  15. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

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

  16. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

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

  17. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  18. 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.

  19. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

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

  20. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

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

  1. Oil spills

    International Nuclear Information System (INIS)

    Katsouros, M.H.

    1992-01-01

    The world annually transports 1.7 billion tons of oil by sea, and oil spills, often highly concentrated discharges, are increasing from a variety of sources. The author discusses sources of oils spills: natural; marine transportation; offshore oil production; atmospheric sources; municipal industrial wastes and runoff. Other topics include: the fate of the spilled oil; the effects of the oil; the response to oil spills; and prevention of oil spills. 30 refs., 1 fig., 4 tabs

  2. Oil Spills

    Science.gov (United States)

    ... up. How Oil Harms Animals and Plants in Marine Environments In general, oil spills can affect animals and plants in two ways: from the oil ... up. How Oil Harms Animals and Plants in Marine Environments In general, oil spills can affect animals and plants in two ways: from the oil ...

  3. BANK RATING. A COMPARATIVE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Batrancea Ioan

    2015-07-01

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

  4. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

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

  5. 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.

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  7. Le politiche monetarie in Italia dalla Golden age alle “oil crisis” nelle Relazioni della Banca d’Italia (Monetary Policy in Italy According to the 'Relazioni' of the Bank of Italy

    Directory of Open Access Journals (Sweden)

    Donatella Strangio

    2017-03-01

    Full Text Available Monetary policy, in recent years, is often invoked as a panacea for a severe recession that is affecting Europe, in particular Italy from 2010. This paper will examine how monetary policy reacted in times of crisis before the currency reform implemented with EMS, the main step towards the single currency. In this paper we were used the sources of the Relations of the Bank of Italy to highlight the role played by this institution in the monetary policy and the use of this policy.

  8. The oil world war

    International Nuclear Information System (INIS)

    Lafargue, F.

    2008-01-01

    Since the beginning of the 21. century, a war has started between the USA, China and India. The USA, first oil consuming and importing country in the world, has now to take into account the increasing energy consumption of China and India. China is now, just behind Japan, the third oil importing country and India ranked number seven. From the Gulf of Guinea to the Arabic peninsula, from the Orenoque basin to the Caspian sea banks, Washington, Beijing and New Delhi covet the same oil fields. This rivalry exacerbates the political tensions in many regions of the Earth and already provokes a latent food crisis. This black gold war is changing the World's face and should provoke serious armed conflicts. (J.S.)

  9. Molecular Simulation of Gas Solubility in Nitrile Butadiene Rubber.

    Science.gov (United States)

    Khawaja, M; Sutton, A P; Mostofi, A A

    2017-01-12

    Molecular simulation is used to compute the solubility of small gases in nitrile butadiene rubber (NBR) with a Widom particle-insertion technique biased by local free volume. The convergence of the method is examined as a function of the number of snapshots upon which the insertions are performed and the number of insertions per snapshot and is compared to the convergence of the unbiased Widom insertion technique. The effect of varying the definition of local free volume is also investigated. The acrylonitrile content of the polymer is altered to examine its influence on the solubility of helium, CO 2 , and H 2 O, and the solubilities of polar gases are found to be enhanced relative to those of nonpolar gases, in qualitative agreement with experiment. To probe this phenomenon further, the solubilities are decomposed into contributions from the neighborhoods of different atoms, using a Voronoi cell construction, and a strong bias is found for CO 2 and H 2 O in particular to be situated near nitrogen sites in the elastomer. Temperature is shown to suppress the solubility of CO 2 and H 2 O but to increase that of helium. Increasing pressure is found to suppress the solubility of all gases but at different rates, according to a balance between their molecular sizes and electrostatic interactions with the polymer. These results are relevant to the use of NBR seals at elevated temperatures and pressures, such as in oil and gas wells.

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  11. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Nani Hartati

    2017-11-01

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

  13. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

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

  14. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

    Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

  15. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

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

  16. Alternative banking: theory and evidence from Europe

    Directory of Open Access Journals (Sweden)

    Kurt Von Mettenheim

    2012-12-01

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

  17. Water-soluble vitamins.

    Science.gov (United States)

    Konings, Erik J M

    2006-01-01

    Simultaneous Determination of Vitamins.--Klejdus et al. described a simultaneous determination of 10 water- and 10 fat-soluble vitamins in pharmaceutical preparations by liquid chromatography-diode-array detection (LC-DAD). A combined isocratic and linear gradient allowed separation of vitamins in 3 distinct groups: polar, low-polar, and nonpolar. The method was applied to pharmaceutical preparations, fortified powdered drinks, and food samples, for which results were in good agreement with values claimed. Heudi et al. described a separation of 9 water-soluble vitamins by LC-UV. The method was applied for the quantification of vitamins in polyvitaminated premixes used for the fortification of infant nutrition products. The repeatability of the method was evaluated at different concentration levels and coefficients of variation were based on, for example, LC. Koontz et al. showed results of total folate concentrations measured by microbiological assay in a variety of foods. Samples were submitted in a routine manner to experienced laboratories that regularly perform folate analysis fee-for-service basis in the United States. Each laboratory reported the use of a microbiological method similar to the AOAC Official Method for the determination of folic acid. Striking was, the use of 3 different pH extraction conditions by 4 laboratories. Only one laboratory reported using a tri-enzyme extraction. Results were evaluated. Results for folic acid fortified foods had considerably lower between-laboratory variation, 9-11%, versus >45% for other foods. Mean total folate ranged from 14 to 279 microg/100 g for a mixed vegetable reference material, from 5 to 70 microg/100 g for strawberries, and from 28 to 81 microg/100 g for wholemeal flour. One should realize a large variation in results, which might be caused by slight modifications in the microbiological analysis of total folate in foods or the analysis in various (unfortified) food matrixes. Furthermore, optimal

  18. Customer loyalty in Internet banking

    OpenAIRE

    Eriksson, M.; Schuster, C.

    2008-01-01

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

  19. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

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

  20. Iron solubility driven by speciation in dust sources to the ocean

    Science.gov (United States)

    Schroth, A.W.; Crusius, John; Sholkovitz, E.R.; Bostick, B.C.

    2009-01-01

    Although abundant in the Earths crust, iron is present at trace concentrations in sea water and is a limiting nutrient for phytoplankton in approximately 40% of the ocean. Current literature suggests that aerosols are the primary external source of iron to offshore waters, yet controls on iron aerosol solubility remain unclear. Here we demonstrate that iron speciation (oxidation state and bonding environment) drives iron solubility in arid region soils, glacial weathering products (flour) and oil combustion products (oil fly ash). Iron speciation varies by aerosol source, with soils in arid regions dominated by ferric (oxy)hydroxides, glacial flour by primary and secondary ferrous silicates and oil fly ash by ferric sulphate salts. Variation in iron speciation produces systematic differences in iron solubility: less than 1% of the iron in arid soils was soluble, compared with 2-3% in glacial products and 77-81% in oil combustion products, which is directly linked to fractions of more soluble phases. We conclude that spatial and temporal variations in aerosol iron speciation, driven by the distribution of deserts, glaciers and fossil-fuel combustion, could have a pronounced effect on aerosol iron solubility and therefore on biological productivity and the carbon cycle in the ocean. ?? 2009 Macmillan Publishers Limited.

  1. EFFECT OF HEAT TREATMENT ON SOYBEAN PROTEIN SOLUBILITY

    Directory of Open Access Journals (Sweden)

    RODICA CĂPRIŢĂ

    2007-05-01

    Full Text Available The use of soybean products in animal feeds is limited due to the presence of antinutritional factors (ANF. Proper heat processing is required to destroy ANF naturally present in raw soybeans and to remove solvent remaining from the oil extraction process. Over and under toasting of soybean causes lower nutritional value. Excessive heat treatment causes Maillard reaction which affects the availability of lysine in particular and produces changes to the chemical structure of proteins resulting in a decrease of the nutritive value. The objective of this study was to evaluate the effect of heating time on the protein solubility. The investigation of the heating time on protein solubility in soybean meal (SBM revealed a negative correlation (r = -0.9596. Since the urease index is suitable only for detecting under processed SBM, the protein solubility is an important index for monitoring SBM quality.

  2. Students’ misconceptions on solubility equilibrium

    Science.gov (United States)

    Setiowati, H.; Utomo, S. B.; Ashadi

    2018-05-01

    This study investigated the students’ misconceptions of the solubility equilibrium. The participants of the study consisted of 164 students who were in the science class of second year high school. Instrument used is two-tier diagnostic test consisting of 15 items. Responses were marked and coded into four categories: understanding, misconception, understand little without misconception, and not understanding. Semi-structured interviews were carried out with 45 students according to their written responses which reflected different perspectives, to obtain a more elaborated source of data. Data collected from multiple methods were analyzed qualitatively and quantitatively. Based on the data analysis showed that the students misconceptions in all areas in solubility equilibrium. They had more misconceptions such as in the relation of solubility and solubility product, common-ion effect and pH in solubility, and precipitation concept.

  3. On the americium oxalate solubility

    International Nuclear Information System (INIS)

    Zakolupin, S.A.; Korablin, Eh.V.

    1977-01-01

    The americium oxalate solubility at different nitric (0.0-1 M) and oxalic (0.0-0.4 M) acid concentrations was investigated in the temperature range from 14 to 60 deg C. The dependence of americium oxalate solubility on the oxalic acid concentration was determined. Increasing oxalic acid concentration was found to reduce the americium oxalate solubility. The dependence of americium oxalate solubility on the oxalic acid concentration was noted to be a minimum at low acidity (0.1-0.3 M nitric acid). This is most likely due to Am(C 2 O 4 ) + , Am(C 2 O 4 ) 2 - and Am(C 2 O 4 ) 3 3- complex ion formation which have different unstability constants. On the basis of the data obtained, a preliminary estimate was carried out for the product of americium oxalate solubility in nitric acid medium (10 -29 -10 -31 ) and of the one in water (6.4x10 -20 )

  4. 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...

  5. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

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

    1986-01-01

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

  6. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  7. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

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

  8. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

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

  9. Grameen Bank`s experience with energy related microenterprise development

    Energy Technology Data Exchange (ETDEWEB)

    Barua, D.C.

    1997-12-01

    Increased population and growth of industry have resulted in greater demand for energy worldwide. Most of this energy is derived from fossil fuel (coal, gas, oil and nuclear) which will soon be depleted. In this context the need for developing renewable sources of energy has taken on a greater sense of importance and urgency. Over the years significant technological advances have been made in the area of renewable energies especially in the field of solar photovoltaics (PV), wind energy and bio-gas technology. In addition, for remote rural areas where there exists no infrastructure for conventional energy supply, these forms of decentralized alternative energy systems will be far more adaptable and well suited. Grameen Shakti (Energy) is an addition to the family of companies of Grameen Bank, to promote and supply renewable energy sources to rural households. GS, a not-for-profit company, expects not only to supply renewable energy services, but also to create employment and income generation opportunities in rural Bangladesh. GS will focus on supply, marketing, sales, testing and development of renewable energy systems of solar pv, biogas, wind turbines and windpumps.

  10. Solubility of iron from combustion source particles in acidic media linked to iron speciation.

    Science.gov (United States)

    Fu, Hongbo; Lin, Jun; Shang, Guangfeng; Dong, Wenbo; Grassian, Vichi H; Carmichael, Gregory R; Li, Yan; Chen, Jianmin

    2012-10-16

    In this study, iron solubility from six combustion source particles was investigated in acidic media. For comparison, a Chinese loess (CL) dust was also included. The solubility experiments confirmed that iron solubility was highly variable and dependent on particle sources. Under dark and light conditions, the combustion source particles dissolved faster and to a greater extent relative to CL. Oil fly ash (FA) yielded the highest soluble iron as compared to the other samples. Total iron solubility fractions measured in the dark after 12 h ranged between 2.9 and 74.1% of the initial iron content for the combustion-derived particles (Oil FA > biomass burning particles (BP) > coal FA). Ferrous iron represented the dominant soluble form of Fe in the suspensions of straw BP and corn BP, while total dissolved Fe presented mainly as ferric iron in the cases of oil FA, coal FA, and CL. Mössbauer measurements and TEM analysis revealed that Fe in oil FA was commonly presented as nanosized Fe(3)O(4) aggregates and Fe/S-rich particles. Highly labile source of Fe in corn BP could be originated from amorphous Fe form mixed internally with K-rich particles. However, Fe in coal FA was dominated by the more insoluble forms of both Fe-bearing aluminosilicate glass and Fe oxides. The data presented herein showed that iron speciation varies by source and is an important factor controlling iron solubility from these anthropogenic emissions in acidic solutions, suggesting that the variability of iron solubility from combustion-derived particles is related to the inherent character and origin of the aerosols themselves. Such information can be useful in improving our understanding on iron solubility from combustion aerosols when they undergo acidic processing during atmospheric transport.

  11. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  12. 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.

  13. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  14. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

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

  15. USE OF POLYMERS TO RECOVER VISCOUS OIL FROM UNCONVENTIONAL RESERVOIRS

    Energy Technology Data Exchange (ETDEWEB)

    Randall Seright

    2011-09-30

    This final technical progress report summarizes work performed the project, 'Use of Polymers to Recover Viscous Oil from Unconventional Reservoirs.' The objective of this three-year research project was to develop methods using water soluble polymers to recover viscous oil from unconventional reservoirs (i.e., on Alaska's North Slope). The project had three technical tasks. First, limits were re-examined and redefined for where polymer flooding technology can be applied with respect to unfavorable displacements. Second, we tested existing and new polymers for effective polymer flooding of viscous oil, and we tested newly proposed mechanisms for oil displacement by polymer solutions. Third, we examined novel methods of using polymer gels to improve sweep efficiency during recovery of unconventional viscous oil. This report details work performed during the project. First, using fractional flow calculations, we examined the potential of polymer flooding for recovering viscous oils when the polymer is able to reduce the residual oil saturation to a value less than that of a waterflood. Second, we extensively investigated the rheology in porous media for a new hydrophobic associative polymer. Third, using simulation and analytical studies, we compared oil recovery efficiency for polymer flooding versus in-depth profile modification (i.e., 'Bright Water') as a function of (1) permeability contrast, (2) relative zone thickness, (3) oil viscosity, (4) polymer solution viscosity, (5) polymer or blocking-agent bank size, and (6) relative costs for polymer versus blocking agent. Fourth, we experimentally established how much polymer flooding can reduce the residual oil saturation in an oil-wet core that is saturated with viscous North Slope crude. Finally, an experimental study compared mechanical degradation of an associative polymer with that of a partially hydrolyzed polyacrylamide. Detailed results from the first two years of the project may be

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

    African Journals Online (AJOL)

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

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

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

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

    African Journals Online (AJOL)

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

  19. Seabird data collected by the Grand Banks offshore hydrocarbon industry 1999-2002 : results, limitations and suggestions for improvement

    International Nuclear Information System (INIS)

    Baillie, S.M.; Robertson, G.J.; Wiese, F.K.

    2005-01-01

    Offshore oil operations attract and concentrate migratory seabirds through an artificially enhanced food supply and lights. In order to understand the vulnerability of seabirds near offshore oil facilities, the degree of association of seabirds with these sites must be determined. Offshore oil and gas exploration on Newfoundland's Grand Banks began in the early 1980s, with first oil produced in 1997 at the Hibernia fixed platform. Additional production followed in 2002 from the Terra Nova Floating Production Storage and Offloading Vessel. As the Grand Banks oil industry grows, seismic surveys continue to be conducted and an estimated 30,000 litres of crude oil and synthetic based drilling fluids have been spilled from exploration drilling, development drilling and production oil operations between 1997 and 2002. Most of the spills occurred in winter when the number of seabirds on the Grand Banks are highest and most vulnerable to oil pollution. This report presents an evaluation of the current Grand Banks offshore oil and gas development seabird monitoring programs. It focuses mostly on seabird monitoring on fixed platforms. The objective was to assess the scientific quality of seabird-related industry programs by compiling and summarizing all available spatial and temporal seabird abundance data and deck stranded birds associated with Grand Banks offshore oil platforms from 1997 to 2002. Data on seabird distributions at sea and stranded bird encounters was collected from 8 offshore hydrocarbon sites on the northeastern Grand Banks. It was recommended that a standardized seabird monitoring and observer training program for the offshore operations in the Grand Banks region be implemented. 43 refs., 5 tabs., 16 figs., 3 appendices

  20. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

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

  1. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

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

  2. American Association of Tissue Banks

    Science.gov (United States)

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

  3. 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...

  4. Georges Bank review studies list

    International Nuclear Information System (INIS)

    1999-01-01

    Federal and provincial legislation placed a moratorium on petroleum exploration and drilling on Georges Bank off southwestern Nova Scotia in 1988. Since that time, a public review was conducted to determine the environmental and socio-economic impacts of petroleum exploration on the area. Several consultant groups have been involved and prepared reports for the consideration of the Minister of Natural Resources Canada and the Minister for the Nova Scotia Department of Natural Resources. One of the consultant groups, CEF Consultants Ltd. of Halifax, Nova Scotia conducted a study which resulted in a series of papers on energy and the offshore, dealing with : (1) hydrocarbon resources, (2) exploring for offshore oil and gas, (3) offshore production, storage and transportation, (4) offshore regulation, (5) the energy context, (6) (study not available), (7) the global environmental implications of new hydrocarbon developments, and (8) communities and change. Other studies were conducted by other groups of consultants involving winds, larvae, ecosystems, an economic profile, and a historical overview of offshore and and gas development. The Ministers of Natural Resources Canada and Nova Scotia Department of Natural Resources are required to make a decision regarding the public review and moratorium by January 1, 2000

  5. A Soluble, Folded Protein without Charged Amino Acid Residues

    DEFF Research Database (Denmark)

    Højgaard, Casper; Kofoed, Christian; Espersen, Roall

    2016-01-01

    side chains can maintain solubility, stability, and function. As a model, we used a cellulose-binding domain from Cellulomonas fimi, which, among proteins of more than 100 amino acids, presently is the least charged in the Protein Data Bank, with a total of only four titratable residues. We find......Charges are considered an integral part of protein structure and function, enhancing solubility and providing specificity in molecular interactions. We wished to investigate whether charged amino acids are indeed required for protein biogenesis and whether a protein completely free of titratable...... that the protein shows a surprising resilience toward extremes of pH, demonstrating stability and function (cellulose binding) in the pH range from 2 to 11. To ask whether the four charged residues present were required for these properties of this protein, we altered them to nontitratable ones. Remarkably...

  6. Human milk banking.

    Science.gov (United States)

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

    2013-01-01

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

  7. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  8. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

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

  9. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

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

  10. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

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

  11. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

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

  12. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

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

  13. The efficiency of bank branches

    OpenAIRE

    Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

    2015-01-01

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

  14. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    2013-01-01

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

  15. Formulation of a Novel Nano emulsion System for Enhanced Solubility of a Sparingly Water Soluble Antibiotic, Clarithromycin

    International Nuclear Information System (INIS)

    Vatsraj, S.; Pathak, H.; Chauhan, K.

    2014-01-01

    The sparingly water soluble property of majority of medicinally significant drugs acts as a potential barrier towards its utilization for therapeutic purpose. The present study was thus aimed at development of a novel oil-in-water (o/w) nano emulsion (NE) system having ability to function as carrier for poorly soluble drugs with clarithromycin as a model antibiotic. The therapeutically effective concentration of clarithromycin, 5 mg/mL, was achieved using polysorbate 80 combined with olive oil as lipophilic counterion. A three-level three-factorial central composite experimental design was utilized to conduct the experiments. The effects of selected variables, polysorbate 80 and olive oil content and concentration of polyvinyl alcohol, were investigated. The particle size of clarithromycin for the optimized formulation was observed to be 30 nm. The morphology of the nano emulsion was explored using transmission electron microscopy (TEM). The emulsions prepared with the optimized formula demonstrated good physical stability during storage at room temperature. Antibacterial activity was conducted with the optimized nano emulsion NESH 01 and compared with free clarithromycin. Zone of inhibition was larger for NESH 01 as compared to that with free clarithromycin. This implies that the solubility and hence the bioavailability of clarithromycin has increased in the formulated nano emulsion system.

  16. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

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

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. Oil Spills

    Science.gov (United States)

    Oil spills often happen because of accidents, when people make mistakes or equipment breaks down. Other causes include natural disasters or deliberate acts. Oil spills have major environmental and economic effects. Oil ...

  5. Uranium solubility and solubility controls in selected Needle's Eye groundwaters

    International Nuclear Information System (INIS)

    Falck, W.E.; Hooker, P.J.

    1991-01-01

    The solubility control of uranium in selected groundwater samples from the cliff and sediments at the Needle's Eye natural analogue site is investigated using the speciation code PHREEQE and the CHEMVAL thermodynamic database (release 3). Alkali-earth bearing uranyl carbonate secondary minerals are likely to exert influence on the solubility . Other candidates are UO 2 and arsenates, depending on the prevailing redox conditions. In the absence of literature data, solubility products for important arsenates have been estimated from analogy with other arsenates and phosphates. Phosphates themselves are unlikely to exert control owing to their comparatively high solubilities. The influence of seawater flooding into the sediments is also discussed. The importance of uranyl arsenates in the retardation of uranium in shallow sediments has been demonstrated in theory, but there are some significant gaps in the thermodynamic databases used. (author)

  6. Indonesia`s Palm Oil Industrialization: the Resistance of Tanjung Pusaka Villagers, Central Kalimantan Against Palm Oil Industry

    OpenAIRE

    Wulansari, Ica

    2017-01-01

    Indonesia`s Palm oil industry is the greatest export commodity in the world. Palm oil industry has been developed since Soeharto`s administration with World Bank`s initiative. Indonesia`s development pattern is modernization which is fully supported by global capitalist agent. Furthermore, the government of Indonesia has issued policies to support this industry and the ease of accessibilty for investor to build in Indonesia. Most of the policies focus on economic interest with lack of attenti...

  7. A catalogue of crude oil and oil product properties, 1990

    International Nuclear Information System (INIS)

    Bobra, M.A.; Callaghan, S.

    1990-09-01

    This catalogue is a compilation of available data on crude oils and petroleum products. The emphasis of the catalogue is upon oils which could potentially impact Canada's environment. Other oils which are unlikely to be of direct Canadian concern are also included because they have been well characterized and used in relevant studies. The properties listed for each oil are those which will provide an indication of a spilled oil's environmental behaviour and effects. The properties on which data is provided include API gravity, density, viscosity, interfacial tension, pour point, flash point, vapor pressure, volatility and component distribution, emulsion formation tendency and stability, weathering, dispersability, major hydrocarbon groups, aqueous solubility, toxicity, sulfur content, fire point, and wax content. Most of the chemical-physical properties listed in this catalogue were measured using standard tests. For certain properties, data are given at different temperatures and for different degrees of oil weathering. An oil's degree of weathering is expresed as the volume or weight percent evaporated from the fresh oil. Weathered oils used for testing were artificially weathered by gas stripping following the method of Mackay and Stiver. 109 refs

  8. A catalogue of crude oil and oil product properties, 1992

    International Nuclear Information System (INIS)

    Whiticar, S.; Bobra, M.; Liuzzo, P.; Callaghan, S.; Fingas, M.; Jokuty, P.; Ackerman, F.; Cao, J.

    1993-02-01

    This catalogue is a compilation of available data on crude oils and petroleum products. The emphasis of the catalogue is upon oils which could potentially impact Canada's environment. Other oils which are unlikely to be of direct Canadian concern are also included because they have been well characterized and used in relevant studies. The properties listed for each oil are those which will provide an indication of a spilled oil's environmental behaviour and effects. The properties on which data is provided include API gravity, density, viscosity, interfacial tension, pour point, flash point, vapor pressure, volatility and component distribution, emulsion formation tendency and stability, weathering, dispersability, major hydrocarbon groups, aqueous solubility, toxicity, sulfur content, fire point, and wax content. Most of the chemical-physical properties listed in this catalogue were measured using standard tests. For certain properties, data are given at different temperatures and for different degrees of oil weathering. An oil's degree of weathering is expresed as the volume or weight percent evaporated from the fresh oil. Weathered oils used for testing were artificially weathered by gas stripping following the method of Mackay and Stiver. 140 refs

  9. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

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

  10. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

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

  11. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

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

  12. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

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

  13. Noble gases solubility in water

    International Nuclear Information System (INIS)

    Crovetto, Rosa; Fernandez Prini, Roberto.

    1980-07-01

    The available experimental data of solubility of noble gases in water for temperatures smaller than 330 0 C have been critically surveyed. Due to the unique structure of the solvent, the solubility of noble gases in water decreases with temperature passing through a temperature of minimum solubility which is different for each gas, and then increases at higher temperatures. As aresult of the analysis of the experimental data and of the features of the solute-solvent interaction, a generalized equation is proposed which enables thecalculation of Henry's coefficient at different temperatures for all noble gases. (author) [es

  14. Seed bank modelling of volunteer oil seed rape: from seeds fate in the soil to seedling emergence Modelagem do banco de sementes de canola: do destino das sementes no solo à emergência das plântulas

    Directory of Open Access Journals (Sweden)

    E. Soltani

    2013-06-01

    Full Text Available Studies were conducted to estimate parameters and relationships associated with sub-processes in soil seed banks of oilseed rape in Gorgan, Iran. After one month of burial, seed viability decreased to 39%, with a slope of 2.03% per day, and subsequently decreased with a lower slope of 0.01 until 365 days following burial in the soil. Germinability remained at its highest value in autumn and winter and decreased from spring to the last month of summer. Non-dormant seeds of volunteer oilseed rape did not germinate at temperatures lower than 3.8 ºC and a water potential of -1.4 MPa ºd. The hydrothermal values were 36.2 and 42.9 MPa ºd for sub- and supra-optimal temperatures, respectively. Quantification of seed emergence as influenced by burial depth was performed satisfactorily (R² = 0.98 and RMSE = 5.03. The parameters and relationships estimated here can be used for modelling soil seed bank dynamics or establishing a new model for the environment.Estudos foram realizados para estimar os parâmetros e as relações ligados a subprocessos em bancos de sementes de canola no solo, em Gorgan, Iran. Após um mês de enterrio, a viabilidade das sementes diminuiu para 39%, com inclinação de 2,03% ao dia; posteriormente, diminuiu com menor inclinação: de 0,01 até 365 dias após o enterrio no solo. A germinação manteve-se em seu maior valor no outono e inverno, reduzindo da primavera ao último mês do verão. Sementes de canola não dormentes não germinaram em temperaturas abaixo de 3,8 °C e potencial hídrico abaixo de -1,4 Mpaºd. Os valores hidrotermais foram de 36,2 e 42,9 Mpaºd para temperaturas sub e supraótima, respectivamente. A quantificação da emergência das sementes sob influência da profundidade de enterrio foi delineada de forma satisfatória (R²= 0,98 e RMSE = 5,03. Os parâmetros e as relações estimadas neste estudo podem ser utilizados em modelagens do banco de sementes do solo ou para estabelecer um novo modelo para

  15. 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...

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

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  17. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

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

  18. 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

  19. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

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

  20. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

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

  1. Catalytic hydrotreating of lignin with water-soluble molybdenum catalyst

    Energy Technology Data Exchange (ETDEWEB)

    Osmaa, A.; Johansson, A. (Technical Research Centre of Finland, Espoo (Finland). Lab. of Fuel and Process Technology)

    High yields (61% of the original lignin) of low molecular weight oil (84% of the oil eluted through GC) have been obtained by hydrotreating kraft pine lignin with a water-soluble molybdenum catalyst at 430[degree]C for 60 min. The main compounds in the product oil were phenols (8.7% of the original lignin), cyclohexanes (5.0%), benzenes (3.8%), naphthalenes (4.0%), and phenanthrenes (1.2%). The degree of hydrodeoxygenation was 98%. The quality (measured by GPC and GC) of the product was as good as when using more expensive solid NiMo-CR[sub 2]O[sub 3] catalysts. 30 refs., 6 tabs.

  2. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  3. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

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

  4. Epicotyl dormancy of tree peony as an oil plant broken by cyanamide

    Science.gov (United States)

    Xu, Jiajie; Gong, Mingfu; Liu, Fang; Wu, Sanlin; Liu, Xiaojie; Zhang, Ya; Xu, Gaoyu

    2018-04-01

    This test materials is `feng Dan', an oil peony, or tree peony as an oil plant, growing in Yangtze river basin. Impact of cyanamide on oil peony epicotyl dormancy was represented with germination rate of peony feeds, a-amylase activity, soluble sugar content, soluble protein content and peroxidase (POD) activity. Results showed that hypocotyls' dormancy of peony seeds was significant breaken by 0.3% cyanamide concentration. Alpha-amylase activity, soluble sugar content, soluble protein content and POD activity in 0.3% cyanamide concentration treatment was significantly higher than other treatments. There was no significant difference between the rest treatments.

  5. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

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

  6. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

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

  7. Pure Phase Solubility Limits: LANL

    International Nuclear Information System (INIS)

    C. Stockman

    2001-01-01

    The natural and engineered system at Yucca Mountain (YM) defines the site-specific conditions under which one must determine to what extent the engineered and the natural geochemical barriers will prevent the release of radioactive material from the repository. Most important mechanisms for retention or enhancement of radionuclide transport include precipitation or co-precipitation of radionuclide-bearing solid phases (solubility limits), complexation in solution, sorption onto surfaces, colloid formation, and diffusion. There may be many scenarios that could affect the near-field environment, creating chemical conditions more aggressive than the conditions presented by the unperturbed system (such as pH changes beyond the range of 6 to 9 or significant changes in the ionic strength of infiltrated waters). For an extended period of time, the near-field water composition may be quite different and more extreme in pH, ionic strength, and CO 2 partial pressure (or carbonate concentration) than waters at some distance from the repository. Reducing conditions, high pH (up to 11), and low carbonate concentration may be present in the near-field after reaction of infiltrating groundwater with engineered barrier systems, such as cementitious materials. In the far-field, conditions are controlled by the rock-mass buffer providing a near-neutral, oxidizing, low-ionic-strength environment that controls radionuclide solubility limits and sorption capacities. There is the need for characterization of variable chemical conditions that affect solubility, speciation, and sorption reactions. Modeling of the groundwater chemistry is required and leads to an understanding of solubility and speciation of the important radionuclides. Because experimental studies cannot be performed under the numerous potential chemical conditions, solubility limitations must rely on geochemical modeling of the radionuclide's chemistry. Fundamental thermodynamic properties, such as solubility products

  8. Pure Phase Solubility Limits: LANL

    Energy Technology Data Exchange (ETDEWEB)

    C. Stockman

    2001-01-26

    The natural and engineered system at Yucca Mountain (YM) defines the site-specific conditions under which one must determine to what extent the engineered and the natural geochemical barriers will prevent the release of radioactive material from the repository. Most important mechanisms for retention or enhancement of radionuclide transport include precipitation or co-precipitation of radionuclide-bearing solid phases (solubility limits), complexation in solution, sorption onto surfaces, colloid formation, and diffusion. There may be many scenarios that could affect the near-field environment, creating chemical conditions more aggressive than the conditions presented by the unperturbed system (such as pH changes beyond the range of 6 to 9 or significant changes in the ionic strength of infiltrated waters). For an extended period of time, the near-field water composition may be quite different and more extreme in pH, ionic strength, and CO{sub 2} partial pressure (or carbonate concentration) than waters at some distance from the repository. Reducing conditions, high pH (up to 11), and low carbonate concentration may be present in the near-field after reaction of infiltrating groundwater with engineered barrier systems, such as cementitious materials. In the far-field, conditions are controlled by the rock-mass buffer providing a near-neutral, oxidizing, low-ionic-strength environment that controls radionuclide solubility limits and sorption capacities. There is the need for characterization of variable chemical conditions that affect solubility, speciation, and sorption reactions. Modeling of the groundwater chemistry is required and leads to an understanding of solubility and speciation of the important radionuclides. Because experimental studies cannot be performed under the numerous potential chemical conditions, solubility limitations must rely on geochemical modeling of the radionuclide's chemistry. Fundamental thermodynamic properties, such as solubility

  9. The European Central Bank

    OpenAIRE

    Binder, Michael; Wieland, Volker

    2006-01-01

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

  10. En Ung bank

    OpenAIRE

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

    2016-01-01

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

  11. GenBank.

    OpenAIRE

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

    1993-01-01

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

  12. MULTIPERIOD BANKING SUPERVISION

    OpenAIRE

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

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

  13. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

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

  14. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

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

  15. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

  16. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

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

  17. Biotransformation of natural gas and oil compounds associated with marine oil discharges.

    Science.gov (United States)

    Brakstad, Odd Gunnar; Almås, Inger K; Krause, Daniel Franklin

    2017-09-01

    Field data from the Deepwater Horizon (DWH) oil spill in the Gulf of Mexico (GoM) suggested that oxidation of gas compounds stimulated biodegradation of oil compounds in the deep sea plume. We performed experiments with local seawater from a Norwegian fjord to examine if the presence of dissolved gas compounds (methane, ethane and propane) affected biodegradation of volatile oil compounds, and if oil compounds likewise affected gas compound oxidation. The results from the experiment showed comparable oil compound biotransformation rates in seawater at 5 °C between seawater with and without soluble gases. Gas oxidation was not affected by the presence of volatile oil compounds. Contrary to DWH deep sea plume data, propane oxidation was not faster than methane oxidation. These data may reflect variations between biodegradation of oil and gas in seawater environments with different history of oil and gas exposure. Copyright © 2017 Elsevier Ltd. All rights reserved.

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  19. Crossflow and water banks in viscous dominant regimes of waterflooding

    DEFF Research Database (Denmark)

    Yuan, Hao; Zhang, Xuan; Shapiro, Alexander

    2014-01-01

    Understanding the crossflow in multilayered reservoirs is of great importance for designing mobility control methods for enhanced oil recovery. The authors reveal saturation profiles in stratified reservoirs to study the interlayer communication in the viscous dominant regime. The displacement...... profiles are more even and smoother in a communicating layer-cake reservoir than in a noncommunicating one. Water banks and transition zones may be observed. Analysis indicates that the phenomena are attributed to the enhanced crossflow due to large mobility ratios (water-oil). The mobility control...

  20. Oil goldenberry (Physalis peruviana L.).

    Science.gov (United States)

    Ramadan, Mohamed F; Mörsel, Jörg-T

    2003-02-12

    Whole berries, seeds, and pulp/peel of goldenberry (Physalis peruviana L.) were compared in terms of fatty acids, lipid classes, triacylglyerols, phytosterols, fat-soluble vitamins, and beta-carotene. The total lipid contents in the whole berries, seeds, and seedless parts were 2.0, 1.8, and 0.2% (on a fresh weight basis), respectively. Linoleic acid was the dominating fatty acid followed by oleic acid as the second major fatty acid. Palmitic and stearic acids were the major saturates. In pulp/peel oil, the fatty acid profile was characterized by higher amounts of saturates, monoenes, and trienes than in whole berry and seed oils. Neutral lipids comprised >95% of total lipids in whole berry oil and seed oil, while neutral lipids separated in lower level in pulp/peel oil. Triacylglycerols were the predominant neutral lipid subclass and constituted ca. 81.6, 86.6, and 65.1% of total neutral lipids in whole berry, seed, and pulp/peel oils, respectively. Nine triacylglycerol molecular species were detected, wherein three species, C54:3, C52:2, and C54:6, were presented to the extent of approximately 91% or above. The highest level of phytosterols was estimated in pulp/peel oil that contained the highest level of unsaponifiables. In both whole berry and seed oils, campesterol and beta-sitosterol were the sterol markers, whereas Delta5-avenasterol and campesterol were the main 4-desmethylsterols in pulp/peel oil. The tocopherols level was much higher in pulp/peel oil than in whole berry and seed oils. beta- and gamma-tocopherols were the major components in whole berry and seed oils, whereas gamma- and alpha-tocopherols were the main constituents in pulp/peel oil. beta-Carotene and vitamin K(1) were also measured in markedly high levels in pulp/peel oil followed by whole berry oil and seed oil, respectively. Information provided by the present work is of importance for further chemical investigation of goldenberry oil and industrial utilization of the berries as a raw

  1. Solubility Measurements and Modeling of Zinc, Lead and Iron Sulfides at High Temperatures and High Pressures

    DEFF Research Database (Denmark)

    Carolina Figueroa Murcia, Diana; Fosbøl, Philip Loldrup; Thomsen, Kaj

    Solubility measurements of sulfides in aqueous solutions are necessary to understand the behaviour of these scaling minerals in geothermal and oil reservoirs. The low solubility levels of Zinc Sulfide (ZnS), Lead Sulfide (PbS) and Iron Sulfide (FeS) make the solubility measurements a challenging...... oxygen atmosphere to avoid the risk of oxidation of sulfide minerals. The solution is kept in an equilibrium cell at constant temperature and pressure with continuous stirring. The concentration of Zn2+, Pb2+, Fe2+ and S2- are measured using Inductively Coupled Plasma Optical Emission spectrometry (ICP...

  2. 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.

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

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  4. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  5. 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.

  6. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

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

  7. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

    Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

  8. 75 FR 81224 - Availability of Recreational Diving, Oil and Gas Operations and Commercial Fishing Seats for the...

    Science.gov (United States)

    2010-12-27

    ... Recreational Diving, Oil and Gas Operations and Commercial Fishing Seats for the Flower Garden Banks National... Service (NOS), National Oceanic and Atmospheric Administration (NOAA), Department of Commerce DOC). ACTION... seats on the Flower Garden Banks National Marine Sanctuary Advisory Council: Recreational Diving, Oil...

  9. Physical characteristics of cinnamon oil microcapsule

    Science.gov (United States)

    Hermanto, R. F.; Khasanah, L. U.; Kawiji; Atmaka, W.; Manuhara, G. J.; Utami, R.

    2016-02-01

    Cinnamon (Cinnamomum burmanii) oil products can be obtained from the bark by steam distillation. Essential oils are susceptible to high temperatures, oxidation, UV light, and humidity. Microencapsulation may change essential oils into powder, protect the sensitive core material and reduce the amount of flavor which lost during storage. In the microencapsulation, one of the important factors is the type of coating agent. The objective of this work was to characterize the cinnamon oil microcapsule. Ratio variations of coating agent maltodextrin and gum arabic were (1:0); (0:1); (1:1); (2:3). Physical characteristics such as water content, solubility, bulk density, surface oil, and microencapsulation efficiency of samples were investigated. Results showed that the ratio variations of the coating agent significantly affected the water content, bulk density, surface oil and microencapsulation efficiency but significantly affected the water solubility. Characteristics of selected microcapsule were 6.13% water content; 96.33% solubility; 0.46 g/cm3 bulk density; 2.68% surface oil; 70.68% microencapsulation efficiency and microstructures were rather good.

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

    OpenAIRE

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

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

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

    OpenAIRE

    International Finance Corporation

    2016-01-01

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

  12. Oil risk in oil stocks

    NARCIS (Netherlands)

    Scholtens, Bert; Wang, L

    2008-01-01

    We assess the oil price sensitivities and oil risk premiums of NYSE listed oil & gas firms' returns by using a two-step regression analysis under two different arbitrage pricing models. Thus, we apply the Fama and French (1992) factor returns in a study of oil stocks. In all, we find that the return

  13. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  14. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

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

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

    OpenAIRE

    Dmitri Sokolov

    2007-01-01

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

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

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

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

  17. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

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

  18. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

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

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. Selective retardation of perfume oil evaporation from oil-in-water emulsions stabilized by either surfactant or nanoparticles.

    Science.gov (United States)

    Binks, Bernard P; Fletcher, Paul D I; Holt, Benjamin L; Beaussoubre, Pascal; Wong, Kenneth

    2010-12-07

    We have used dynamic headspace analysis to investigate the evaporation rates of perfume oils from stirred oil-in-water emulsions into a flowing gas stream. We compare the behavior of an oil of low water solubility (limonene) and one of high water solubility (benzyl acetate). It is shown how the evaporation of an oil of low water solubility is selectively retarded and how the retardation effect depends on the oil volume fraction in the emulsion. We compare how the evaporation retardation depends on the nature of the adsorbed film stabilizing the emulsion. Surfactant films are less effective than adsorbed films of nanoparticles, and the retardation can be further enhanced by compression of the adsorbed nanoparticle films by preshrinking the emulsion drops.

  9. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

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

  10. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  11. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

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

  12. Bank Share Prices and Profitability

    OpenAIRE

    Daniel Daugaard; Tom Valentine

    1993-01-01

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

  13. Sources of Regional Banks Capitalization

    Directory of Open Access Journals (Sweden)

    Olga Sergeevna Miroshnichenko

    2018-03-01

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

  14. Big Data and central banks

    OpenAIRE

    David Bholat

    2015-01-01

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

  15. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

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

  16. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  17. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

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

  18. Fractional Reserve Banking

    OpenAIRE

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

    2012-01-01

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

  19. Tissue bank: Sri Lanka

    International Nuclear Information System (INIS)

    2003-01-01

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

  20. Image data bank

    International Nuclear Information System (INIS)

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

    1998-01-01

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

  1. On nitrogen solubility in water

    International Nuclear Information System (INIS)

    Kalajda, Yu.A.; Katkov, Yu.D.; Kuznetsov, V.A.; Lastovtsev, A.Yu.; Lastochkin, A.P.; Susoev, V.S.

    1980-01-01

    Presented are the results of experimental investigations on nitrogen solubility in water under 0-15 MPa pressure, at the temperature of 100-340 deg C and nitrogen concentration of 0-5000 n.ml. N 2 /kg H 2 O. Empiric equations are derived and a diagram of nitrogen solubility in water is developed on the basis of the experimental data, as well as critically evaluated published data. The investigation results can be used in analyzing water-gas regime of a primary heat carrier in stream-generating plants with water-water reactors

  2. Preliminary considerations concerning actinide solubilities

    International Nuclear Information System (INIS)

    Newton, T.W.; Bayhurst, B.P.; Daniels, W.R.; Erdal, B.R.; Ogard, A.E.

    1980-01-01

    Work at the Los Alamos Scientific Laboratory on the fundamental solution chemistry of the actinides has thus far been confined to preliminary considerations of the problems involved in developing an understanding of the precipitation and dissolution behavior of actinide compounds under environmental conditions. Attempts have been made to calculate solubility as a function of Eh and pH using the appropriate thermodynamic data; results have been presented in terms of contour maps showing lines of constant solubility as a function of Eh and pH. Possible methods of control of the redox potential of rock-groundwater systems by the use of Eh buffers (redox couples) is presented

  3. Thorium oxalate solubility and morphology

    International Nuclear Information System (INIS)

    Monson, P.R. Jr.; Hall, R.

    1981-10-01

    Thorium was used as a stand-in for studying the solubility and precipitation of neptunium and plutonium oxalates. Thorium oxalate solubility was determined over a range of 0.001 to 10.0 in the concentration parameter [H 2 C 2 O 4 ]/[HNO 3 ] 2 . Morphology of thorium oxide made from the oxalate precipitates was characterized by scanning electron microscopy. The different morphologies found for oxalate-lean and oxalate-rich precipitations were in agreement with predictions based on precipitation theory

  4. Solubility database for TILA-99

    Energy Technology Data Exchange (ETDEWEB)

    Vuorinen, U.; Carlsson, T. [VTT Chemical Technology, Espoo (Finland); Kulmala, S.; Hakanen, M. [Helsinki Univ. (Finland). Lab. of Radiochemistry; Ahonen, L. [Geological Survey of Finland, Espoo (Finland)

    1998-11-01

    The safety assessment of spent fuel disposal requires solubility values for several elements estimated in Finnish disposal conditions. In Finland four sites (Haestholmen, Kivetty, Olkiluoto and Romuvaara) are investigated for the disposal of spent fuel. Haestholmen and OLkiluoto are onshore sites, while Kivetty and Romuvaara are inland sites. Based on groundwater analysis and classification according to salinity at the planned disposal depth mainly fresh groundwater is encountered at Kivetty and Romuvaara, while brackish and saline water-types are met at Haestholmen and Olkiluoto. Very saline, almost brine-type water ({approx}70 g/l) has been found in the deepest parts of the investigated bedrock at one of the sites (Olkiluoto). The reference waters and conditions were chosen according to the water-types. The considered reference conditions incorporated both the near- and far-field, and both oxidizing and reducing conditions were considered. In the reference conditions, the changes in solubilities were also estimated as caused by possible variations in the pH, carbonate content and redox conditions. Uranium, which is the main component of spent fuel is dealt with in a separate report presenting the solubility of uranium and spent fuel dissolution. In this work the solubilities of all the other elements of concern (Am, Cu, Nb, Np, Pa, Pd, Pu, Ra, Se, Sn, Tc, Zr, Cm, Ni, Sr, Th, C, Cl, Cs, Fe, Ho, I, and Sm) in the safety assessment are considered. Some discussion on the corrosion of the spent fuel canister is also presented. For the estimation of solubilities of the elements in question, literature data was collected that mainly comprised experimentally measured concentrations. The sources used were spent fuel experiments, concentrations measured in solubility measurements, natural concentrations and concentrations from natural analogue sites (especially Palmottu and Hyrkkoelae in Finland) as well as the concentrations measured at the Finnish investigation sites

  5. Solubility database for TILA-99

    International Nuclear Information System (INIS)

    Vuorinen, U.; Carlsson, T.; Kulmala, S.; Hakanen, M.

    1998-11-01

    The safety assessment of spent fuel disposal requires solubility values for several elements estimated in Finnish disposal conditions. In Finland four sites (Haestholmen, Kivetty, Olkiluoto and Romuvaara) are investigated for the disposal of spent fuel. Haestholmen and OLkiluoto are onshore sites, while Kivetty and Romuvaara are inland sites. Based on groundwater analysis and classification according to salinity at the planned disposal depth mainly fresh groundwater is encountered at Kivetty and Romuvaara, while brackish and saline water-types are met at Haestholmen and Olkiluoto. Very saline, almost brine-type water (∼70 g/l) has been found in the deepest parts of the investigated bedrock at one of the sites (Olkiluoto). The reference waters and conditions were chosen according to the water-types. The considered reference conditions incorporated both the near- and far-field, and both oxidizing and reducing conditions were considered. In the reference conditions, the changes in solubilities were also estimated as caused by possible variations in the pH, carbonate content and redox conditions. Uranium, which is the main component of spent fuel is dealt with in a separate report presenting the solubility of uranium and spent fuel dissolution. In this work the solubilities of all the other elements of concern (Am, Cu, Nb, Np, Pa, Pd, Pu, Ra, Se, Sn, Tc, Zr, Cm, Ni, Sr, Th, C, Cl, Cs, Fe, Ho, I, and Sm) in the safety assessment are considered. Some discussion on the corrosion of the spent fuel canister is also presented. For the estimation of solubilities of the elements in question, literature data was collected that mainly comprised experimentally measured concentrations. The sources used were spent fuel experiments, concentrations measured in solubility measurements, natural concentrations and concentrations from natural analogue sites (especially Palmottu and Hyrkkoelae in Finland) as well as the concentrations measured at the Finnish investigation sites. The

  6. Jordan Banks Financial Soundness Indicators

    Directory of Open Access Journals (Sweden)

    Imad Kutum

    2015-09-01

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

  7. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

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

  8. Microemulsion formulation of clonixic acid: solubility enhancement and pain reduction.

    Science.gov (United States)

    Lee, Jung-Mi; Park, Kyung-Mi; Lim, Soo-Jeong; Lee, Mi-Kyung; Kim, Chong-Kook

    2002-01-01

    Clonixic acid is currently marketed as a salt form because of its poor water-solubility. However, the commercial dosage form causes severe pain after intramuscular or intravenous injection. To improve the solubility of clonixic acid and to reduce pain on injection, clonixic acid was incorporated into oil-in-water microemulsions prepared from pre-microemulsion concentrate composed of varying ratios of oil and surfactant mixture. As an oil phase for drug incorporation, up to 14% castor oil could be included in the pre-microemulsion concentrate without a significant increase in droplet size. Both drug contents and droplet size increased as the weight ratio of Tween 20 to Tween 85 decreased. Taken together, when microemulsions were prepared from pre-microemulsion concentrate composed of 5:12:18 weight ratio of castor oil:Tween 20:Tween 85, clonixic acid could be incorporated at 3.2 mg mL(-1) in the microemulsion with a droplet size of less than 120 nm. The osmotic pressure of this microemulsion was remarkably lower than the commercial formulation, irrespective of the dilution ratios. The rat paw-lick test was used to compare pain responses among formulations. The microemulsion formulation significantly reduced the number of rats licking their paws as well as the total licking time, suggesting less pain induction by the microemulsion formulation. The pharmacokinetic parameters of clonixic acid after intravenous administration of the clonixic acid microemulsion to rats were not significantly different from those of the commercial formulation, lysine clonixinate. The present study suggests that microemulsion is an alternative formulation for clonixic acid with improved characteristics.

  9. A molecular study of gas solubility in nitrile rubber

    Science.gov (United States)

    Khawaja, Musab; Mostofi, Arash; Sutton, Adrian

    2015-03-01

    One of the most important uses of elastomers in the oil industry is for seals to encase and protect sensitive monitoring equipment from contamination by gases and liquids at the high pressures and temperatures in the well. Failure of such seals sometimes occurs on decompression when they are returned to the surface. The conditions in the well lead to gases being absorbed by Nitrile rubber (NBR) seals. NBR exhibits a strong permselectivity towards CO2 compared to other gases; something attributed experimentally to the enhanced solubility of CO2. In this study an explanation is sought at the molecular level for this phenomenon. A series of molecular mechanics calculations are performed to compute solubilities of different gases in NBR. The effect of acrylonitrile content on their solubilities is studied for the first time by simulation, and we discuss the important issue of convergence with respect to the sampling of different elastomer configurations. It is observed that the presence of cyano groups has a marked impact on the solubility of CO2 and an explanation is offered.

  10. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

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

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

    NARCIS (Netherlands)

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

    2016-01-01

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

  12. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

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

  13. Recent trends in cross-border banking

    NARCIS (Netherlands)

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

    2017-01-01

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

  14. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

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

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

    African Journals Online (AJOL)

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

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

    OpenAIRE

    Angel, Christania Graciella; Pusung, Rudy

    2014-01-01

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

  18. Use of polymers in oil recovery processes

    Energy Technology Data Exchange (ETDEWEB)

    Stanislav, J.F.

    Water-soluble polymers are used extensively in various stages of gas and oil production operations, typical examples being enhanced oil recovery, water production control, and well drilling. A variety of polymetric materials, both naturally occurring and synthetic ones, are currently used; guar and cellulose derivatives, xanthan gum, polysaccharides, polyacrylamides and others. In this work, only the application of polymeric materials to enhanced recovery processes is discussed.

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

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

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

  20. Solubility limits on radionuclide dissolution

    Energy Technology Data Exchange (ETDEWEB)

    Kerrisk, J.F.

    1984-12-31

    This paper examines the effects of solubility in limiting dissolution rates of a number of important radionuclides from spent fuel and high-level waste. Two simple dissolution models were used for calculations that would be characteristics of a Yucca Mountain repository. A saturation-limited dissolution model, in which the water flowing through the repository is assumed to be saturated with each waste element, is very conservative in that it overestimates dissolution rates. A diffusion-limited dissolution model, in which element-dissolution rates are limited by diffusion of waste elements into water flowing past the waste, is more realistic, but it is subject to some uncertainty at this time. Dissolution rates of some elements (Pu, Am, Sn, Th, Zr, Sm) are always limited by solubility. Dissolution rates of other elements (Cs, Tc, Np, Sr, C, I) are never solubility limited; their release would be limited by dissolution of the bulk waste form. Still other elements (U, Cm, Ni, Ra) show solubility-limited dissolution under some conditions. 9 references, 3 tables.

  1. Solubility of Nd in brine

    International Nuclear Information System (INIS)

    Khalili, F.I.; Symeopoulos, V.; Chen, J.F.; Choppin, G.R.

    1994-01-01

    The solubility of Nd(III) has been measured at 23±3 C in a synthetic brine at pcH 6.4, 8.4, 10.4 and 12.4. The brine consisted predominantly of (Na+K)Cl and MgCl 2 with an ionic strength of 7.8 M (9.4 m) a solid compound of Nd(III) at each pcH was assigned from X-ray diffraction patterns. The log values of the experimental solubilities decrease fomr -3 at pcH 6.4 to -5.8 at pcH 8.4; at pcH 10.4 and 12.4 the solubility was below the detection limit of -7.5. The experimental solubility does not follow closely the variation with pcH estimated from modeling of the species in solution in equilibrium with the Nd solid using S.I.T. (orig.)

  2. Lavender oil

    Science.gov (United States)

    Lavender oil is an oil made from the flowers of lavender plants. Lavender poisoning can occur when ... further instructions. This is a free and confidential service. All local poison control centers in the United ...

  3. Petroleum Oils

    Science.gov (United States)

    Different types of crude oil and refined product, of all different chemical compositions, have distinct physical properties. These properties affect the way oil spreads and breaks down, its hazard to marine and human life, and the likelihood of threat.

  4. Recovery studies for plutonium machining oil coolant

    International Nuclear Information System (INIS)

    Navratil, J.D.; Baldwin, C.E.

    1977-01-01

    Lathe coolant oil, contaminated with plutonium and having a carbon tetrachloride diluent, is generated in plutonium machining areas at Rocky Flats. A research program was initiated to determine the nature of plutonium in this mixture of oil and carbon tetrachloride. Appropriate methods then could be developed to remove the plutonium and to recycle the oil and carbon tetrachloride. Studies showed that the mixtures of spent oil and carbon tetrachloride contained particulate plutonium and plutonium species that are soluble in water or in oil and carbon tetrachloride. The particulate plutonium was removed by filtration; the nonfilterable plutonium was removed by adsorption on various materials. Laboratory-scale tests indicated the lathe-coolant oil mixture could be separated by distilling the carbon tetrachloride to yield recyclable products

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

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

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

  6. Study on the polarity, solubility, and stacking characteristics of asphaltenes

    KAUST Repository

    Zhang, Long-li

    2014-07-01

    The structure and transformation of fused aromatic ring system in asphaltenes play an important role in the character of asphaltenes, and in step affect the properties of heavy oils. Polarity, solubility and structural characteristics of asphaltenes derived from Tahe atmospheric residue (THAR) and Tuo-826 heavy crude oil (Tuo-826) were analyzed for study of their internal relationship. A fractionation method was used to separate the asphaltenes into four sub-fractions, based on their solubility in the mixed solvent, for the study of different structural and physical-chemical properties, such as polarity, solubility, morphology, stacking characteristics, and mean structural parameters. Transmission electron microscope (TEM) observation can present the intuitive morphology of asphaltene molecules, and shows that the structure of asphaltenes is in local order as well as long range disorder. The analysis results showed that n-heptane asphaltenes of THAR and Tuo-826 had larger dipole moment values, larger fused aromatic ring systems, larger mean number of stacking layers, and less interlayer spacing between stacking layers than the corresponding n-pentane asphaltenes. The sub-fractions that were inclined to precipitate from the mixture of n-heptane and tetrahydrofuran had larger polarity and less solubility. From the first sub-fraction to the fourth sub-fraction, polarity, mean stacking numbers, and average layer size from the TEM images follow a gradual decrease. The structural parameters derived from TEM images could reflect the largest fused aromatic ring system in asphaltene molecule, yet the parameters derived from 1H NMR data reflected the mean message of poly-aromatic ring systems. The structural parameters derived from TEM images were more consistent with the polarity variation of sub-fractions than those derived from 1H NMR data, which indicates that the largest fused aromatic ring system will play a more important role in the stacking characteristics of

  7. Nutritional quality of eggs from hens fed distillers' dried grains with solubles

    Science.gov (United States)

    Distiller grains with soluble (DDGS) have roughly three times the amount of oil as regular corn used in feeds, and several studies have shown that DDGS also have higher concentrations of lipophilic bioactives such as tocopherols, tocotrienols, and xanthophylls, because the levels found in whole corn...

  8. Organically modified clay removes oil from water

    International Nuclear Information System (INIS)

    Alther, G.R.

    1995-01-01

    When bentonite or other clays and zeolite are modified with quaternary amines, they become organophilic. Such modified bentonites are used to remove mechanically emulsified oil and grease, and other sparingly soluble organics. Types of oil found in water can include fats, lubricants, cutting fluids, heavy hydrocarbons such as tars, grease, crude oil, diesel oils; and light hydrocarbons such as kerosene, jet fuel, and gasoline. If the organoclay is granulated, it is placed into a liquid phase carbon filter vessel to remove FOGs (Free Oil and Grease) and chlorinated hydrocarbons. In this application the clay is mixed with anthrazite to prevent early plugging of the filter by oil or grease droplets. In batch systems a powdered organoclay is employed. Organoclay removes mechanically emulsified oil and grease at 5--7 times the rate of activated carbon, or 50% of its dry weight. Oil and grease and other large sparingly soluble chlorinated hydrocarbons and NOMs (Natural Organic Matter) blind the pores of activated carbon (and ion-exchange resins), reducing its effectiveness significantly. It is therefore economically advantageous for the end user to prepolish the water before it enters carbon vessels. Operating costs can often be reduced by 50% or more

  9. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

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

  10. Regulating and Combating Underground Banking

    NARCIS (Netherlands)

    Borgers, M.J.

    2009-01-01

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

  11. Size, productivity, and international banking

    NARCIS (Netherlands)

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

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

  12. BioMagResBank.

    NARCIS (Netherlands)

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

    2008-01-01

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

  13. Banking competition, risk and regulation

    NARCIS (Netherlands)

    Bolt, Wilko; Tieman, Alexander F.

    2004-01-01

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

  14. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

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

  15. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

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

    2001-01-01

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

  16. Protection of large capacitor banks

    International Nuclear Information System (INIS)

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

    1982-06-01

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

  17. Bank credit and business financing

    NARCIS (Netherlands)

    Morales Arenas, Diana

    2018-01-01

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

  18. Intervention in systemic banking crises

    NARCIS (Netherlands)

    Homar, T.

    2016-01-01

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

  19. Liquidity coinsurance and bank capital

    NARCIS (Netherlands)

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

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

  20. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

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

  1. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

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

  2. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

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

  3. Oil biodegradation

    NARCIS (Netherlands)

    Rahsepar, Shokouhalsadat; Langenhoff, Alette A.M.; Smit, Martijn P.J.; Eenennaam, van Justine S.; Murk, Tinka; Rijnaarts, Huub H.M.

    2017-01-01

    During the Deepwater Horizon (DwH) oil spill, interactions between oil, clay particles and marine snow lead to the formation of aggregates. Interactions between these components play an important, but yet not well understood, role in biodegradation of oil in the ocean water. The aim of this study

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

    African Journals Online (AJOL)

    chestt

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

  5. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  6. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

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

  7. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  8. Supercritical CO2 extraction of candlenut oil: process optimization using Taguchi orthogonal array and physicochemical properties of the oil.

    Science.gov (United States)

    Subroto, Erna; Widjojokusumo, Edward; Veriansyah, Bambang; Tjandrawinata, Raymond R

    2017-04-01

    A series of experiments was conducted to determine optimum conditions for supercritical carbon dioxide extraction of candlenut oil. A Taguchi experimental design with L 9 orthogonal array (four factors in three levels) was employed to evaluate the effects of pressure of 25-35 MPa, temperature of 40-60 °C, CO 2 flow rate of 10-20 g/min and particle size of 0.3-0.8 mm on oil solubility. The obtained results showed that increase in particle size, pressure and temperature improved the oil solubility. The supercritical carbon dioxide extraction at optimized parameters resulted in oil yield extraction of 61.4% at solubility of 9.6 g oil/kg CO 2 . The obtained candlenut oil from supercritical carbon dioxide extraction has better oil quality than oil which was extracted by Soxhlet extraction using n-hexane. The oil contains high unsaturated oil (linoleic acid and linolenic acid), which have many beneficial effects on human health.

  9. Enzymatic Production of FAME Biodiesel with Soluble Lipases

    DEFF Research Database (Denmark)

    T. Gundersen, Maria; Heltborg, Carsten Kirstejn; Yang, V

    Biodiesel is a viable alternative to fossil fuels, and biocatalysis is gaining interest as a greener process. We focus on converting oils to Fatty Acid Methyl Ester (FAME) using soluble lipases, which offer an advantage compared to immobilized enzymes by cost efficiency and ease of implementation...... the defined operating space concerning: temperature, water content, initial methanol concentration and enzyme content. The identified optimum range was experimentally evaluated, and model findings were confirmed. Another barrier in lipase use in biodiesel production is the higher melting point (m...

  10. Islamic Banking Capital Challenges to Increase Business Expansion (Indonesia Cases)

    OpenAIRE

    Lucky Nugroho; Wiwik Utami; Caturida Meiwanto Doktorlina; Soeharjoto Soekapdjo; Tengku Chandra Husnadi

    2017-01-01

    In the case of Indonesia regarding capital sources in Islamic Banks, all Islamic Banks are subsidiaries of Conventional Banks (except Bank Muamalat). Bank Syariah Mandiri which is the only Islamic Bank that meets capital ownership with Business Category Bank Level III (BUKU III) is also a subsidiary of Bank Mandiri (conventional bank). In the same way, conventional banks become essential to meet the capital requirement to improve the business of Islamic Bank. This article aims to determine th...

  11. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

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

  12. Credit Risk Management in Chinese Banking Industry

    OpenAIRE

    Zhang, Lei

    2006-01-01

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

  13. Penerapan Business Continuity Pada Bank Central Asia

    OpenAIRE

    Chandra, Keefe Darius

    2017-01-01

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

  14. Growth of Non-bank Trade Finance

    OpenAIRE

    Satinder Bhatia

    2017-01-01

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

  15. Solubility of sparingly soluble drug derivatives of anthranilic acid.

    Science.gov (United States)

    Domańska, Urszula; Pobudkowska, Aneta; Pelczarska, Aleksandra

    2011-03-24

    This work is a continuation of our systematic study of the solubility of pharmaceuticals (Pharms). All substances here are derivatives of anthranilic acid, and have an anti-inflammatory direction of action (niflumic acid, flufenamic acid, and diclofenac sodium). The basic thermal properties of pure Pharms, i.e., melting and glass-transition temperatures as well as the enthalpy of melting, have been measured with the differential scanning microcalorimetry technique (DSC). Molar volumes have been calculated with the Barton group contribution method. The equilibrium mole fraction solubilities of three pharmaceuticals were measured in a range of temperatures from 285 to 355 K in three important solvents for Pharm investigations: water, ethanol, and 1-octanol using a dynamic method and spectroscopic UV-vis method. The experimental solubility data have been correlated by means of the commonly known G(E) equation: the NRTL, with the assumption that the systems studied here have revealed simple eutectic mixtures. pK(a) precise measurement values have been investigated with the Bates-Schwarzenbach spectrophotometric method. © 2011 American Chemical Society

  16. [The National Serum Bank].

    Science.gov (United States)

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

    1992-01-01

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

  17. Security of Electronic Banking

    OpenAIRE

    Pařil, Jan

    2015-01-01

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

  18. Financialisation, oil and the Great Recession

    International Nuclear Information System (INIS)

    Gkanoutas-Leventis, Angelos; Nesvetailova, Anastasia

    2015-01-01

    This article addresses the role of world oil price hike of 2007–08 in serving to transform the financial and banking crisis into what is commonly referred to the Great Recession. Existing literature on the global crisis of 2007–09 tends to view it as a financial or banking phenomenon, with analyses focusing mainly on state policies, governance mechanisms and market dynamics in transforming the banking crisis of 2007–08 into the economic recession of 2008-12/13 Although often attributing the global meltdown to wider phenomenon of financialisation, rarely do existing perspectives delve into the role of the commodity sector in the global credit crunch. In this paper, we aim to fill this gap, by inquiring into the role played by oil as a financial asset class in the political economy of the global crisis. - Highlights: • We study the oil price and its effects on the Great Recession. • We approach oil as a financial asset class. • We observe the transformation of oil through deregulation.

  19. Trinidad and Tobago: World Oil Report 1991

    International Nuclear Information System (INIS)

    Anon.

    1991-01-01

    This paper reports that Trinidad and Tobago has decided to increase its oil export revenue by pumping as much crude as possible. This island nation consequently has embarked on a $403-million expansion project that covers everything from initiating secondary recovery at a number of fields to upgrading the Point a Pierre refinery. Trinidad and Tobago Oil Co. (Trintoc) is operating the project and has received a $260-million loan from the Inter-American Development Bank. Another $75 million is coming from the Export-Import Bank of Japan and the European Investment Bank. Trintoc based the work on $22 oil, a level still not achieved for any duration, but the firm shows every sign of finishing the project as planned. Completion of work should impact the nation significantly. Crude oil and products account for 60% of all exports and 24% of governmental revenue. However, oil production has tumbled about 65,000 bpd from a 1978 peak of 215,000 bpd

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

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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