WorldWideScience

Sample records for stream bank protection

  1. 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

  2. Bioengineering case studies sustainable stream bank and slope stabilization

    CERN Document Server

    Goldsmith, Wendi; McCullah, John

    2014-01-01

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

  3. Customer perceptions on Internet banking information protection

    Directory of Open Access Journals (Sweden)

    André Redlinghuis

    2010-12-01

    Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’ Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT. Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are key focus areas financial institutions should continuously invest in. Information should be easily retrievable and communicated in a manner that makes sense to the diverse customer base, especially within South Africa with its diverse cultures and languages. Conclusion: The final conclusion that could be reached is that Internet banking products and services will continue to grow across various divides and platforms as the Internet costs decrease in future, the growth of Internet related products and services such as Internet banking will increase.

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

    DEFF Research Database (Denmark)

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

    2011-01-01

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

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

    Science.gov (United States)

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

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

    Science.gov (United States)

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

    2007-01-01

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

  7. Bank Loan Loss Provisions, Investor Protection and the Macroeconomy

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

    This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...

  8. Wave basin model tests of technical-biological bank protection

    Science.gov (United States)

    Eisenmann, J.

    2012-04-01

    Sloped embankments of inland waterways are usually protected from erosion and other negative im-pacts of ship-induced hydraulic loads by technical revetments consisting of riprap. Concerning the dimensioning of such bank protection there are several design rules available, e.g. the "Principles for the Design of Bank and Bottom Protection for Inland Waterways" or the Code of Practice "Use of Standard Construction Methods for Bank and Bottom Protection on Waterways" issued by the BAW (Federal Waterways Engineering and Research Institute). Since the European Water Framework Directive has been put into action special emphasis was put on natural banks. Therefore the application of technical-biological bank protection is favoured. Currently design principles for technical-biological bank protection on inland waterways are missing. The existing experiences mainly refer to flowing waters with no or low ship-induced hydraulic loads on the banks. Since 2004 the Federal Waterways Engineering and Research Institute has been tracking the re-search and development project "Alternative Technical-Biological Bank Protection on Inland Water-ways" in company with the Federal Institute of Hydrology. The investigation to date includes the ex-amination of waterway sections where technical- biological bank protection is applied locally. For the development of design rules for technical-biological bank protection investigations shall be carried out in a next step, considering the mechanics and resilience of technical-biological bank protection with special attention to ship-induced hydraulic loads. The presentation gives a short introduction into hydraulic loads at inland waterways and their bank protection. More in detail model tests of a willow brush mattress as a technical-biological bank protec-tion in a wave basin are explained. Within the scope of these tests the brush mattresses were ex-posed to wave impacts to determine their resilience towards hydraulic loads. Since the

  9. 75 FR 22723 - Stream Protection Rule; Environmental Impact Statement

    Science.gov (United States)

    2010-04-30

    ..., 784, 816, and 817 RIN 1029-AC63 Stream Protection Rule; Environmental Impact Statement AGENCY: Office... streams from the adverse impacts of surface coal mining operations. We are requesting comments for the... mining activities may be conducted in or near perennial or intermittent streams. That rule, which this...

  10. Bank equity connections, intellectual property protection and enterprise innovation – A bank ownership perspective

    Directory of Open Access Journals (Sweden)

    Xing Liu

    2016-09-01

    Full Text Available This study investigates the effects of bank equity connections and intellectual property protection on enterprises’ innovation behavior, and the regulating effect of intellectual property protection on the relationship between bank equity connections and innovation. In general, bank equity connections and intellectual property protection not only significantly increase innovation input, but also improve innovation performance. However, the efficiency of bank equity connections is influenced by the heterogeneity of enterprises and the value orientation of the subjects. Bank equity connections have a more significantly positive effect on innovation in private and central enterprises, whereas the principal-agent problem and government intervention may weaken the marginal contribution of bank equity connections to the innovation of local state-owned enterprises. Bank equity connections and intellectual property protection are complementary in promoting enterprise innovation. Not only are the combined effects of bank equity connections and intellectual property protection greater than the individual effects, but when the latter is relatively weak, the former’s positive effect on innovation is obviously weakened and may even crowd out innovation.

  11. A chaotic stream cipher and the usage in video protection

    International Nuclear Information System (INIS)

    Lian Shiguo; Sun Jinsheng; Wang Jinwei; Wang Zhiquan

    2007-01-01

    In this paper, a chaotic stream cipher is constructed and used to encrypt video data selectively. The stream cipher based on a discrete piecewise linear chaotic map satisfies the security requirement of cipher design. The video encryption scheme based on the stream cipher is secure in perception, efficient and format compliant, which is suitable for practical video protection. The video encryption scheme's performances prove the stream cipher's practicability

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

    Science.gov (United States)

    Krzeminska, Dominika; Skaalsveen, Kamilla; Kerkhof, Tjibbe

    2017-04-01

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

  13. Principles for urban stormwater management to protect stream ecosystems

    Science.gov (United States)

    Walsh, Christopher J.; Booth, Derek B.; Burns, Matthew J.; Fletcher, Tim D.; Hale, Rebecca L.; Hoang, Lan N.; Livingston, Grant; Rippy, Megan A.; Roy, Allison; Scoggins, Mateo; Wallace, Angela

    2016-01-01

    Urban stormwater runoff is a critical source of degradation to stream ecosystems globally. Despite broad appreciation by stream ecologists of negative effects of stormwater runoff, stormwater management objectives still typically center on flood and pollution mitigation without an explicit focus on altered hydrology. Resulting management approaches are unlikely to protect the ecological structure and function of streams adequately. We present critical elements of stormwater management necessary for protecting stream ecosystems through 5 principles intended to be broadly applicable to all urban landscapes that drain to a receiving stream: 1) the ecosystems to be protected and a target ecological state should be explicitly identified; 2) the postdevelopment balance of evapotranspiration, stream flow, and infiltration should mimic the predevelopment balance, which typically requires keeping significant runoff volume from reaching the stream; 3) stormwater control measures (SCMs) should deliver flow regimes that mimic the predevelopment regime in quality and quantity; 4) SCMs should have capacity to store rain events for all storms that would not have produced widespread surface runoff in a predevelopment state, thereby avoiding increased frequency of disturbance to biota; and 5) SCMs should be applied to all impervious surfaces in the catchment of the target stream. These principles present a range of technical and social challenges. Existing infrastructural, institutional, or governance contexts often prevent application of the principles to the degree necessary to achieve effective protection or restoration, but significant potential exists for multiple co-benefits from SCM technologies (e.g., water supply and climate-change adaptation) that may remove barriers to implementation. Our set of ideal principles for stream protection is intended as a guide for innovators who seek to develop new approaches to stormwater management rather than accept seemingly

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

    International Nuclear Information System (INIS)

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

    1982-01-01

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

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

    Science.gov (United States)

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

    1982-10-01

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

  16. StreamNet Query System: Protected Areas

    Data.gov (United States)

    Pacific States Marine Fisheries Commission — Beginning in 1983, the Northwest Power Planning Council (Council) directed extensive studies of existing habitat and has analyzed alternative means of protection. In...

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

    Science.gov (United States)

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

    2018-02-01

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

  18. 75 FR 26759 - Health Care Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB...

    Science.gov (United States)

    2010-05-12

    ... Integrity and Protection Data Bank (HIPDB) and National Practitioner Data Bank (NPDB): Public Posting of Non... HRSA and Data Bank Web sites ( http://www.hrsa.gov and http://www.npdb-hipdb.hrsa.gov ) by July 1, 2010... publication of a public report that identifies those Government agencies that have failed to report...

  19. Effects of Bank Vegetation and Incision on Erosion Rates in an Urban Stream

    Directory of Open Access Journals (Sweden)

    Emily Arnold

    2018-04-01

    Full Text Available Changing land-use associated with urbanization has resulted in shifts in riparian assemblages, stream hydraulics, and sediment dynamics leading to the degradation of waterways. To combat degradation, restoration and management of riparian zones is becoming increasingly common. However, the relationship between flora, especially the influence of invasive species, on sediment dynamics is poorly understood. Bank erosion and turbidity were monitored in the Tookany Creek and its tributary Mill Run in the greater Philadelphia, PA region. To evaluate the influence of the invasive species Reynoutria japonica (Japanese knotweed on erosion, reaches were chosen based on their riparian vegetation and degree of incision. Bank pins and turbidity loggers were used to estimate sediment erosion. Erosion calculations based on bank pins suggest greater erosion in reaches dominated by knotweed than those dominated by trees. For a 9.5-month monitoring period, there was 29 cm more erosion on banks that were also incised, and 9 cm more erosion in banks with little incision. Turbidity responses to storm events were also higher (77 vs. 54 NTU (nephelometric turbidity unit in reaches with knotweed, although this increase was found when the reach dominated by knotweed was also incised. Thus, this study linked knotweed to increased erosion using multiple methods.

  20. The protection of a consumer during the providing of banking services in the Czech Republic

    OpenAIRE

    Haasová, Eva

    2010-01-01

    The Bachelor's thesis describes and analyses the protection of a bank client. In the beginning I discuss the necessity of the institution of consumer's protection define the basic terms and describe the structure of the system of consumer's protection. Then, I depict the basic elements of the consumer's protection, the requirements to banks, the duty to provide information, the protection of personal data, the bank secret and the deposit insurance. After these I concentrate on the analysis of...

  1. Effects of pasture management and off-stream water on temporal/spatial distribution of cattle and stream bank characteristics in cool-season grass pastures.

    Science.gov (United States)

    Schwarte, K A; Russell, J R; Morrical, D G

    2011-10-01

    A 2-yr grazing experiment was conducted to assess the effects of grazing management on cattle distribution and pasture and stream bank characteristics. Six 12.1-ha cool-season grass pastures in central Iowa were allotted to 1 of 3 treatments: continuous stocking with unrestricted stream access (CSU), continuous stocking with stream access restricted to 4.9-m-wide stabilized crossings (CSR), or rotational stocking with stream access restricted to a riparian paddock (RP). Pastures were stocked with 15 fall-calving Angus cows (Bos taurus L.) from mid-May to mid-October for 153 d in 2008 and 2009. A global positioning system (GPS) collar recording cow position every 10 min was placed on at least 1 cow per pasture for 2 wk of each month from May through September. Off-stream water was provided to cattle in CSU and CSR treatments during the second of the 2 wk when GPS collars were on the cattle. A black globe temperature relative humidity index (BGTHI) was measured at 10-min intervals to match the time of the GPS measurements. Each month of the grazing season, forage characteristics (sward height, forage mass, and CP, IVDMD, and P concentrations) and bare and fecal-covered ground were measured. Stream bank erosion susceptibility was visually scored in May, August, and October (pre-, mid-, and post-stocking). Cattle in RP and CSR treatments spent less time (P CSR treatment reduced the probability (P CSR and RP treatments in the stream and streamside zones in September and October and in July and September. Streams in pastures with the CSU treatment had less stable banks (P CSR treatments. Results show that time spent by cattle near pasture streams can be reduced by RP or CSR treatments, thereby decreasing risks of sediment and nutrient loading of pasture streams even during periods of increased BGTHI.

  2. Public health protection through bank filtration - Kearney Nebraska case study

    Science.gov (United States)

    Esseks, E.; Bellamy, W.; Heinemann, T.; Stocker, K.

    2003-04-01

    The investigation of Kearney's bank filtration system provides further evidence of this technology's capability to assist in providing public health protection, as it relates to drinking water. The results of hydrogeologic and treatment studies demonstrate the capabilities of the Platte River aquifer materials, in this locale, to remove pathogens and their surrogates. Continual monitoring and evaluations will establish the system’s longevity and continued treatment efficacy. The City of Kearney is located in south central Nebraska. The City owns and operates a public water system that serves approximately 24,889 people. The water system includes 12 wells located on Killgore Island in the Platte River. In 1994, the Nebraska Department of Health and Human Services System (Department) determined that 3 wells in the wellfield serving the City of Kearney were ground water under the direct influence of surface water. This determination was based on results of microscopic particulate analysis (MPA). The City of Kearney undertook the natural bank filtration study to determine whether natural bank filtration was occurring at the site and if the filtration was sufficient to meet pathogen treatment requirements designed to protect public health. A preliminary study was undertaken from June through October 1995. This coincided with the City’s peak pumping time, which may be the time when the influence of the River is greatest on the wellfield wells. Hydrogeologic studies assisted in selecting wells that were at highest risk based on shortest travel times and greatest differential head. Data collected included particle counts, MPAs, turbidity, coliform, centrifugate pellet evaluation (CPE) volumes, pH, conductivity, and temperature. Following analysis of data collected during the preliminary 18-week study the Department granted conditional approval of 2-log credit for removal of Giardia lamblia and 1-log credit for removal of viruses through bank filtration, pending the

  3. Assessing stream bank condition using airborne LiDAR and high spatial resolution image data in temperate semirural areas in Victoria, Australia

    Science.gov (United States)

    Johansen, Kasper; Grove, James; Denham, Robert; Phinn, Stuart

    2013-01-01

    Stream bank condition is an important physical form indicator for streams related to the environmental condition of riparian corridors. This research developed and applied an approach for mapping bank condition from airborne light detection and ranging (LiDAR) and high-spatial resolution optical image data in a temperate forest/woodland/urban environment. Field observations of bank condition were related to LiDAR and optical image-derived variables, including bank slope, plant projective cover, bank-full width, valley confinement, bank height, bank top crenulation, and ground vegetation cover. Image-based variables, showing correlation with the field measurements of stream bank condition, were used as input to a cumulative logistic regression model to estimate and map bank condition. The highest correlation was achieved between field-assessed bank condition and image-derived average bank slope (R2=0.60, n=41), ground vegetation cover (R=0.43, n=41), bank width/height ratio (R=0.41, n=41), and valley confinement (producer's accuracy=100%, n=9). Cross-validation showed an average misclassification error of 0.95 from an ordinal scale from 0 to 4 using the developed model. This approach was developed to support the remotely sensed mapping of stream bank condition for 26,000 km of streams in Victoria, Australia, from 2010 to 2012.

  4. PROTECTIVE GUARANTEES AND OTHER REQUIREMENTS TO STRENGTHEN DEVELOPMENT OF THE BANK-CUSTOMER CONTRACTUAL RELATIONSHIP

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2013-02-01

    Full Text Available Contractual relationships between individuals and credit institutions are increasingly lower in the sphere of lendingactivity. Implementation of the new Civil Procedure Code starting with February, 2013, strengthened even moreconsumer protection which has disturbed some commercial banks. Trust between banks and customers is an essentialrequirement for developing banking businesses. As a result of occurrence of new legislation is necessary to know themain elements that strengthen bank-client contractual relationship.

  5. 45 CFR 61.14 - Confidentiality of Healthcare Integrity and Protection Data Bank information.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Confidentiality of Healthcare Integrity and Protection Data Bank information. 61.14 Section 61.14 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON...

  6. 45 CFR 61.1 - The Healthcare Integrity and Protection Data Bank.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false The Healthcare Integrity and Protection Data Bank. 61.1 Section 61.1 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION ON HEALTH CARE PROVIDERS...

  7. 45 CFR 61.12 - Requesting information from the Healthcare Integrity and Protection Data Bank.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Requesting information from the Healthcare Integrity and Protection Data Bank. 61.12 Section 61.12 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE INFORMATION...

  8. Protective-decorative revegetation of spoil banks in the Donbass

    Energy Technology Data Exchange (ETDEWEB)

    Baklanov, V.I.; Podkopaev, A.A.

    1985-05-01

    Spoil bank reclamation in the Donbass is discussed, where there were 1195 spoil banks from underground coal mines in 1984, 80% of which were conic shaped. The average spoil bank was 60 to 80 m high, base surface was 4.2 ha, volume amounted to 1,144,000 mT. Ninety-five spoil banks were situated in cities or towns and were a source of environmental pollution. Reclamation of a spoil bank in the No 6/14 coal mine in the Makeevugol' association is analyzed. Buildup of the spoil bank started in 1930. The spoil bank was 72 m high, its base was 8.05 ha large, slopes were inclined at 25 to 36 degrees, volume of material amounted to 2.2 million mT. From 1973 to 1978 shape of the spoil bank was changed: its height was reduced to 40 m, slope inclination was reduced to 25 degrees. Spontaneous combustion was controlled by changing spoil bank shape. Slopes were divided into a number of terraces. The spoil bank was covered with a 0.3 m thick soil cover suitable for vegetation. Sainfoin (Onobrychis) was sown on leveled zones of the spoil bank and false acacia (Robinia pseudoacacia) was planted on the terraces. Plant growth in the first and second years was satisfactory.

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

    Directory of Open Access Journals (Sweden)

    Daru Setyo Rini

    2017-10-01

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

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

    Science.gov (United States)

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

    2016-09-15

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

  11. Protective systems and its protective switching elements on local failures of large slow-capacitor bank system

    International Nuclear Information System (INIS)

    Hasegawa, Mitsuo; Inoue, Kunikazu; Ueno, Isao.

    1994-01-01

    In various applications of pulsed power technologies, large capacitor bank systems are used to feed high current impulse to different experimental devices. The accidental electric breakdown in one of the capacitors in a parallel connection of the large bank may result in serious damages such as mechanical explosion and oil effusion or fire. In most fast banks, each unit capacitor has an output gap switch, which is expected to decouple the capacitors one another. However, no such special element is adopted usually in the slow bank system, partly because of the economical consideration. We have developed a novel and inexpensive protective element for these relatively slow capacitor banks, utilizing a concept of the enclosed type of the fast breakers. The principle of the operation of the protection elements is verified by a simulation experiment. Their practical effectiveness is also successfully demonstrated in the application to the system of the pulsed high magnetic field generator. (author)

  12. The forms of protection civil rights parties of the bank deposit contract

    Directory of Open Access Journals (Sweden)

    Юрій Миколайович Моісеєнко

    2017-03-01

    Full Text Available The article is dedicated to analyze the forms of protection civil rights parties of the bank deposit contract considering the statistical data in regard to banks which allow violations of these rights and necessity to restore these rights by competent bodies. Fixing in civil legislation a number of opportunities to protect these rights with the existing economic crisis, especially in banking field, have practical importance that based on the efficiency of any form. Therewith, research the peculiarities of protection violated civil rights of the bank deposit contract in judicial, administrative and other forms. Attention is drawn on the peculiarities of some forms of protection. So, emphasizing the certain duration of judicial protection, alternatives opportunities of protection and restoration the violated rights of parties of the bank deposit contract is analyzed by the author. However, due to lack of effective mechanisms for protection the rights of parties of mentioned contract, the author proposed some ways for improving protection the violated rights of parties of the bank deposit contract.

  13. Development of protected endorsement for online banking using mobile phones

    Science.gov (United States)

    Narayana, Galla; Venkateswarlu, Tammineni; Kumar, G. S. P.; Padmavathamma, Mokkala; Sreekanth, G.; Delhibabu, K.; Prasad, A. R.

    2013-03-01

    Securing Online Banking transactions for customer is the primary goal of financial institutions that provides Internet banking facility. Mobile phones play an important role in our society as more and more functions having been integrated within mobile phones, such as Internet browsing, mobile banking, and shopping. Mobiles phones can be used to secure ATM card pins by sending to the customer directly rather than in emails or by other means which has a possibility of hacking. In this paper we have proposed method of generating a Private Key Security Token by bank authentication servers which uses IMSI registers and IMEI number of client's mobile registered. The key is generated by implementing RIPE MD160 and Hex Encode Algorithm. Token received is valid only for that client mobile only and can be generated upon request by customer dynamically. The client is given a PIN and a Master Key when registered to the Online Banking Services. If in case a client's mobile is lost, authentication is done using Unique Master Key, else the Private Key Token is used there by making transactions secured and simple without the need of carrying any USB Tokens. The additional functionality provides the client more security on their transactions. Due to this Phishing attacks by the hackers is avoided.

  14. Ferrovibrio soli sp. nov., a novel cellulolytic bacterium isolated from stream bank soil.

    Science.gov (United States)

    Dahal, Ram Hari; Kim, Jaisoo

    2018-01-01

    Two isolates of bacterial strains A15 T and A17 were isolated from stream bank soil in Kyonggi University. Cells were aerobic, Gram-stain-negative, oxidase- and catalase-positive, motile, non-spore-forming, rod-shaped, opaque, and cream coloured. Both strains hydrolysed CM-cellulose. Strains were able to grow at 20-42 °C, pH 5.5-10.0 and at 1.5 % NaCl concentration (w/v). Indole test was positive. Analyses of phylogenetic trees based on its 16S rRNA gene sequences indicated that strain A15 T formed a lineage within the family Rhodospirillaceae of the phylum Proteobacteria which was distinct from Ferrovibrio denitrificans S3 T (98.4 % sequence similarity) and Ferrovibrio xuzhouensis LM-6 T (97.4 %). The sole detected respiratory quinone was Q-10. The major polar lipids were phosphatidylethanolamine, phosphatidylglycerol and an unidentified aminolipid. The major cellular fatty acids were C19 : 0 cycloω8c, C16 : 0, summed feature 8 (C18 : 1ω7c and/or C18 : 1ω6c), C18 : 0cyclo and C12 : 0. The DNA G+C contents of strains A15 T and A17 were 63.4 and 62.9 mol%, respectively. DNA-DNA relatedness between strain A15 T and other two members of the genus Ferrovibrioranged from 25 to 37 %. The polyphasic characterization revealed strains A15 T and A17 represent a novel species in the genus Ferrovibrio, for which the name Ferrovibriosoli sp. nov. is proposed. The type strain is A15 T (=KEMB 9005-522 T =KACC 19102 T =NBRC 112682 T ).

  15. Simplicispira soli sp. nov., a betaproteobacterium isolated from stream bank soil.

    Science.gov (United States)

    Dahal, Ram Hari; Kim, Jaisoo

    2018-02-05

    Two strains of soil bacteria, designated CA-16 T and CA-161, were isolated from a sample of stream bank soil near Kyonggi University. Cells were strictly aerobic, Gram-stain-negative, catalase-negative, oxidase-positive, motile, non-spore-forming and rod-shaped. Colonies on tryptone soya agar were brownish cream in colour. Tyrosine, Tween 60 and Tween 40 were hydrolysed. The indole test was positive. Malic acid, lactic acid and valeric acid were assimilated. Phylogenetic analysis based on their 16S rRNA gene sequences revealed that strains CA-16 T and CA-161 formed a lineage within the family Comamonadaceae of the class Betaproteobacteria that were distinct from various species of the genus Simplicispira. Strain CA-16 T was most closely related to Simplicispira metamorpha DSM 1837 T (97.86 % sequence similarity), Simplicispira limi EMB325 T (97.72 %), Simplicispira psychrophila DSM 11588 T (96.83 %) and Simplicispira piscis RSG39 T (96.71 %). Both strains contained Q-8 as the major isoprenoid quinone. The major polar lipids of the strains were phosphatidylglycerol, phosphatidylethanolamine and diphosphatidylglycerol. The major cellular fatty acids were summed feature 3 (C16 : 1ω7c and/or C16 : 1ω6c), C18 : 1ω7c-11methyl, C16 : 0, summed feature 8 (C18 : 1ω7c and/or C18 : 1ω6c) and C12 : 0. The DNA G+C contents of the strains were 63.9-64.4 mol%. DNA-DNA hybridization similarities between strain CA-16 T and other closest members of the genus Simplicispira ranged from 16 % to 24 %. On the basis of phenotypic, genotypic, chemotaxonomic and phylogenetic analyses, strains CA-16 T and CA-161 represent a single novel species of the genus Simplicispira, for which the name Simplicispirasoli sp. nov. is proposed. The type strain is CA-16 T (=KEMB 9005-529 T =KACC 19107 T =NBRC 112689 T ).

  16. Considerations Regarding the Security and Protection of E-Banking Services Consumers’ Interests

    OpenAIRE

    Marinela Vrancianu; Liana Anica Popa

    2010-01-01

    A significant number of breaches in the security of electronic banking (e-Banking) system is reported each year, drawing attention to the need to protect and inform customers about the risk of exposure to malicious actions initiated by cyber-criminals. Financial institutions and consumers recognize the fact that attacks and financial frauds are becoming more complex and are perpetrated by a different class of criminal. This class is increasingly sophisticated and uses technology as part of th...

  17. Streaming Video Games: Copyright Infringement or Protected Speech?

    Directory of Open Access Journals (Sweden)

    Eirik Evert Elias Jungar

    2016-12-01

    Full Text Available Streaming video games, that is, live broadcasting playing video games on the internet, is incredibly popular. Millions tune into twitch.tv daily to watch eSport tournaments, their favourite streamer, and chat with other viewers. But all is not rosy in the world of streaming games. Recently, some game developers have aggressively exercised their copyright to, firstly, claim part of the streamers’ revenue, and secondly, control the context in which their game is shown. The article analyzes whether game developers have, and should have, such rights under EU copyright law. Reaching the conclusion that video game streams infringe the game developer’s right to communicate their works to the public, I argue that freedom of expression can and should be used to rein in their rights in certain cases. Subjecting the lawfulness of streams to game developers’ good will risks stifling the expressions of streamers. The streamers, their audience, and even the copyright holders, would be worse off for it.

  18. Governance, legislation and protection of intermittent rivers and ephemeral streams

    Science.gov (United States)

    Institutions and processes governing the conveyance and control of water have a long history. In this chapter, we discuss the extent to which water governance systems consider the management of intermittent rivers and ephemeral streams (IRES) and identify where research could inf...

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

    Science.gov (United States)

    Hu, Rui; Xing, Yixuan

    2017-04-01

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

  20. A novel chaotic stream cipher and its application to palmprint template protection

    International Nuclear Information System (INIS)

    Heng-Jian, Li; Jia-Shu, Zhang

    2010-01-01

    Based on a coupled nonlinear dynamic filter (NDF), a novel chaotic stream cipher is presented in this paper and employed to protect palmprint templates. The chaotic pseudorandom bit generator (PRBG) based on a coupled NDF, which is constructed in an inverse flow, can generate multiple bits at one iteration and satisfy the security requirement of cipher design. Then, the stream cipher is employed to generate cancelable competitive code palmprint biometrics for template protection. The proposed cancelable palmprint authentication system depends on two factors: the palmprint biometric and the password/token. Therefore, the system provides high-confidence and also protects the user's privacy. The experimental results of verification on the Hong Kong PolyU Palmprint Database show that the proposed approach has a large template re-issuance ability and the equal error rate can achieve 0.02%. The performance of the palmprint template protection scheme proves the good practicability and security of the proposed stream cipher. (general)

  1. A novel chaotic stream cipher and its application to palmprint template protection

    Science.gov (United States)

    Li, Heng-Jian; Zhang, Jia-Shu

    2010-04-01

    Based on a coupled nonlinear dynamic filter (NDF), a novel chaotic stream cipher is presented in this paper and employed to protect palmprint templates. The chaotic pseudorandom bit generator (PRBG) based on a coupled NDF, which is constructed in an inverse flow, can generate multiple bits at one iteration and satisfy the security requirement of cipher design. Then, the stream cipher is employed to generate cancelable competitive code palmprint biometrics for template protection. The proposed cancelable palmprint authentication system depends on two factors: the palmprint biometric and the password/token. Therefore, the system provides high-confidence and also protects the user's privacy. The experimental results of verification on the Hong Kong PolyU Palmprint Database show that the proposed approach has a large template re-issuance ability and the equal error rate can achieve 0.02%. The performance of the palmprint template protection scheme proves the good practicability and security of the proposed stream cipher.

  2. 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.

  3. Stream characteristics and their implications for the protection of riparian fens and meadows

    DEFF Research Database (Denmark)

    Baattrup-Pedersen, A.; Larsen, S.E.; Andersen, Peter Mejlhede

    2011-01-01

    the influence of stream size, morphology and chemical water characteristics for the distribution of water-dependent terrestrial habitat types, i.e. alkaline fens, periodically inundated meadows and meadows in riparian areas in Denmark using an extensive data set covering a total of 254 stream reaches. A species......1. Running waters, including associated riparian areas, are embraced by international legal frameworks outlining targets for the preservation, protection and improvement of the quality of the environment. Interactions between stream and river processes and riparian habitats have not received much...... attention in the management of stream ecosystems, and integrated measures that consider both the ecological status of streams and rivers (sensu EU Water Framework Directive, WFD) and the conservation status of riparian habitats and species (sensu EU Habitats Directive, HD) are rare. 2. Here, we analysed...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2012-12-15

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

  5. Stakeholder Corporate Governance: The Combined Effects of Bank Competition and Employment Protection

    NARCIS (Netherlands)

    Claessens, S.; Ueda, K.

    2014-01-01

    Between the early-1970s and the mid-1990s, the U.S. banking sector was deregulated and U.S. workers gained more statuary basic protections. The effects of these two reforms on productive activity have largely been studied separately in the finance and labor literatures. Yet they only have separable

  6. 45 CFR 61.15 - How to dispute the accuracy of Healthcare Integrity and Protection Data Bank information.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false How to dispute the accuracy of Healthcare Integrity and Protection Data Bank information. 61.15 Section 61.15 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION HEALTHCARE INTEGRITY AND PROTECTION DATA BANK FOR FINAL ADVERSE...

  7. Robust Transmission of H.264/AVC Streams Using Adaptive Group Slicing and Unequal Error Protection

    Science.gov (United States)

    Thomos, Nikolaos; Argyropoulos, Savvas; Boulgouris, Nikolaos V.; Strintzis, Michael G.

    2006-12-01

    We present a novel scheme for the transmission of H.264/AVC video streams over lossy packet networks. The proposed scheme exploits the error-resilient features of H.264/AVC codec and employs Reed-Solomon codes to protect effectively the streams. A novel technique for adaptive classification of macroblocks into three slice groups is also proposed. The optimal classification of macroblocks and the optimal channel rate allocation are achieved by iterating two interdependent steps. Dynamic programming techniques are used for the channel rate allocation process in order to reduce complexity. Simulations clearly demonstrate the superiority of the proposed method over other recent algorithms for transmission of H.264/AVC streams.

  8. Stream water temperature limits occupancy of salamanders in mid-Atlantic protected areas

    Science.gov (United States)

    Grant, Evan H. Campbell; Wiewel, Amber N. M.; Rice, Karen C.

    2014-01-01

    Stream ecosystems are particularly sensitive to urbanization, and tolerance of water-quality parameters is likely important to population persistence of stream salamanders. Forecasted climate and landscape changes may lead to significant changes in stream flow, chemical composition, and temperatures in coming decades. Protected areas where landscape alterations are minimized will therefore become increasingly important for salamander populations. We surveyed 29 streams at three national parks in the highly urbanized greater metropolitan area of Washington, DC. We investigated relationships among water-quality variables and occupancy of three species of stream salamanders (Desmognathus fuscus, Eurycea bislineata, and Pseudotriton ruber). With the use of a set of site-occupancy models, and accounting for imperfect detection, we found that stream-water temperature limits salamander occupancy. There was substantial uncertainty about the effects of the other water-quality variables, although both specific conductance (SC) and pH were included in competitive models. Our estimates of occupancy suggest that temperature, SC, and pH have some importance in structuring stream salamander distribution.

  9. Do Riparian Buffers Protect Stream Invertebrate Communities in South American Atlantic Forest Agricultural Areas?

    Science.gov (United States)

    Hunt, L.; Marrochi, N.; Bonetto, C.; Liess, M.; Buss, D. F.; Vieira da Silva, C.; Chiu, M.-C.; Resh, V. H.

    2017-12-01

    We investigated the influence and relative importance of insecticides and other agricultural stressors in determining variability in invertebrate communities in small streams in intensive soy-production regions of Brazil and Paraguay. In Paraguay we sampled 17 sites on tributaries of the Pirapó River in the state of Itapúa and in Brazil we sampled 18 sites on tributaries of the San Francisco River in the state of Paraná. The riparian buffer zones generally contained native Atlantic forest remnants and/or introduced tree species at various stages of growth. In Brazil the stream buffer width was negatively correlated with sediment insecticide concentrations and buffer width was found to have moderate importance in mitigating effects on some sensitive taxa such as mayflies. However, in both regions insecticides had low relative importance in explaining variability in invertebrate communities, while various habitat parameters were more important. In Brazil, the percent coverage of soft depositional sediment in streams was the most important agriculture-related explanatory variable, and the overall stream-habitat score was the most important variable in Paraguay streams. Paraguay and Brazil both have laws requiring forested riparian buffers. The ample forested riparian buffer zones typical of streams in these regions are likely to have mitigated the effects of pesticides on stream invertebrate communities. This study provides evidence that riparian buffer regulations in the Atlantic Forest region are protecting stream ecosystems from pesticides and other agricultural stressors. Further studies are needed to determine the minimum buffer widths necessary to achieve optimal protection.

  10. Bank Interest Margin and Default Risk under Basel III Capped Capital Adequacy Accord and Regulatory Deposit Insurance Fund Protection

    OpenAIRE

    Chuen-Ping Chang; Shi Chen

    2015-01-01

    We study the optimal bank interest margin and default risk under the capped ratio schedule of government capital instruments in the Basel III Capital Adequacy Accord and the Deposit Insurance Fund arrangement program. We show that an increase in the capped ratio (a decrease in the capped government capital injection) increases the default risk in the bank¡¯s equity return at a reduced interest margin. Regulatory deposit insurance fund protection reinforces the reduced bank interest margin and...

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

    Science.gov (United States)

    Dunkerley, David; Brown, Kate

    1999-08-01

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

  12. STREAM

    DEFF Research Database (Denmark)

    Godsk, Mikkel

    This paper presents a flexible model, ‘STREAM’, for transforming higher science education into blended and online learning. The model is inspired by ideas of active and collaborative learning and builds on feedback strategies well-known from Just-in-Time Teaching, Flipped Classroom, and Peer...... Instruction. The aim of the model is to provide both a concrete and comprehensible design toolkit for adopting and implementing educational technologies in higher science teaching practice and at the same time comply with diverse ambitions. As opposed to the above-mentioned feedback strategies, the STREAM...... model supports a relatively diverse use of educational technologies and may also be used to transform teaching into completely online learning. So far both teachers and educational developers have positively received the model and the initial design experiences show promise....

  13. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

    2014-01-01

    We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a discretionary regulatory tool to reduce asymmetric information and help restore the capital base of troubled banks. The APS can be a fair-valued contract with an appropriate structure...... of incentives. We apply two alternative multivariate structural default risk models: the classical Gaussian Merton model and a model based on Normal Inverse Gaussian processes. Using a data set on annual farm level data from 1996 to 2009, we use the Danish agricultural sector as a case study and price an APS...... on an agricultural loan portfolio. We compute the economic capital for this loan portfolio with and without an APS. Moreover, we illustrate how model risk in the form of parameter uncertainty is reduced when an APS is attached to the loan portfolio....

  14. Conservation targets in marine protected area management suffer from shifting baseline syndrome: A case study on the Dogger Bank.

    Science.gov (United States)

    Plumeridge, Annabel A; Roberts, Callum M

    2017-03-15

    The Dogger Bank is a subtidal hill in the North Sea that is a candidate Special Area of Conservation under the EU Habitats Directive in UK waters. Historical records indicate that the Bank has been subject to human exploitation from before the 16th century but conservation objectives have been developed using recent survey data. This has the potential to significantly underestimate the alteration this ecosystem has experienced, making the Dogger Bank an example of shifting baseline syndrome in protected area management. We compile quantitative and qualitative descriptions from historical records of change in catch rates, fishing effort, price and fish size to show that there have been prolonged declines in abundance of fish on the Bank since the early 19th century. Use of present day data to inform conservation has led to unambitious recovery targets. Historical data, we argue, are an essential input to conservation decision making. Copyright © 2017 Elsevier Ltd. All rights reserved.

  15. Optimal erasure protection for scalably compressed video streams with limited retransmission.

    Science.gov (United States)

    Taubman, David; Thie, Johnson

    2005-08-01

    This paper shows how the priority encoding transmission (PET) framework may be leveraged to exploit both unequal error protection and limited retransmission for RD-optimized delivery of streaming media. Previous work on scalable media protection with PET has largely ignored the possibility of retransmission. Conversely, the PET framework has not been harnessed by the substantial body of previous work on RD optimized hybrid forward error correction/automatic repeat request schemes. We limit our attention to sources which can be modeled as independently compressed frames (e.g., video frames), where each element in the scalable representation of each frame can be transmitted in one or both of two transmission slots. An optimization algorithm determines the level of protection which should be assigned to each element in each slot, subject to transmission bandwidth constraints. To balance the protection assigned to elements which are being transmitted for the first time with those which are being retransmitted, the proposed algorithm formulates a collection of hypotheses concerning its own behavior in future transmission slots. We show how the PET framework allows for a decoupled optimization algorithm with only modest complexity. Experimental results obtained with Motion JPEG2000 compressed video demonstrate that substantial performance benefits can be obtained using the proposed framework.

  16. 77 FR 74985 - Water Quality Standards for the State of Florida's Streams and Downstream Protection Values for...

    Science.gov (United States)

    2012-12-18

    ... Water Quality Standards for the State of Florida's Streams and Downstream Protection Values for Lakes... its numeric water quality standards for nutrients in Florida that were promulgated and published on.... Water Quality Criteria D. EPA Determination Regarding Florida and EPA's Rulemaking E. EPA Promulgation...

  17. Health care fraud and abuse data collection program: technical revisions to Healthcare Integrity and Protection Data Bank data collection activities. Final rule.

    Science.gov (United States)

    2004-09-21

    The rule finalizes technical changes to the Healthcare Integrity and Protection Data Bank (HIPDB) data collection reporting requirements by clarifying the types of personal numeric identifiers that may be reported to the data bank in connection with adverse actions. The rule clarifies that in lieu of a Social Security Number (SSN), an individual taxpayer identification number (ITIN) may be reported to the data bank when, in those limited situations, an individual does not have an SSN.

  18. Assessment of fish populations and habitat on Oculina Bank, a deep-sea coral marine protected area off eastern Florida

    OpenAIRE

    Harter , Stacey L.; Ribera, Marta M.; Shepard, Andrew N.; Reed, John K.

    2009-01-01

    A portion of the Oculina Bank located off eastern Florida is a marine protected area (MPA) preserved for its dense populations of the ivory tree coral (Oculina varicosa), which provides important habitat for fish. Surveys of fish assemblages and benthic habitat were conducted inside and outside the MPA in 2003 and 2005 by using remotely operated vehicle video transects and digital still imagery. Fish species composition, biodiversity, and grouper densities were used to determine w...

  19. Role of submerged vegetation in the retention processes of three plant protection products in flow-through stream mesocosms.

    Science.gov (United States)

    Stang, Christoph; Wieczorek, Matthias Valentin; Noss, Christian; Lorke, Andreas; Scherr, Frank; Goerlitz, Gerhard; Schulz, Ralf

    2014-07-01

    Quantitative information on the processes leading to the retention of plant protection products (PPPs) in surface waters is not available, particularly for flow-through systems. The influence of aquatic vegetation on the hydraulic- and sorption-mediated mitigation processes of three PPPs (triflumuron, pencycuron, and penflufen; logKOW 3.3-4.9) in 45-m slow-flowing stream mesocosms was investigated. Peak reductions were 35-38% in an unvegetated stream mesocosm, 60-62% in a sparsely vegetated stream mesocosm (13% coverage with Elodea nuttallii), and in a similar range of 57-69% in a densely vegetated stream mesocosm (100% coverage). Between 89% and 93% of the measured total peak reductions in the sparsely vegetated stream can be explained by an increase of vegetation-induced dispersion (estimated with the one-dimensional solute transport model OTIS), while 7-11% of the peak reduction can be attributed to sorption processes. However, dispersion contributed only 59-71% of the peak reductions in the densely vegetated stream mesocosm, where 29% to 41% of the total peak reductions can be attributed to sorption processes. In the densely vegetated stream, 8-27% of the applied PPPs, depending on the logKOW values of the compounds, were temporarily retained by macrophytes. Increasing PPP recoveries in the aqueous phase were accompanied by a decrease of PPP concentrations in macrophytes indicating kinetic desorption over time. This is the first study to provide quantitative data on how the interaction of dispersion and sorption, driven by aquatic macrophytes, influences the mitigation of PPP concentrations in flowing vegetated stream systems. Copyright © 2014 Elsevier Ltd. All rights reserved.

  20. Embolic Protection using the WIRION Embolic Protection System with JetStream Atherectomy in a Patient with Superficial Femoral Artery Chronic total Occlusion.

    Science.gov (United States)

    Shammas, Nicolas W

    2017-06-01

    Distal embolization is a common occurrence with peripheral arterial interventions and is more frequent with the use of atherectomy devices. We report the first case of JetStream atherectomy (Boston Scientific, Maple Grove, MN) with the use of the novel WIRION embolic protection system filter. The procedure was performed successfully with no distal embolizations beyond the filter and with no complications in the delivery or retrieval of the filter. The pros and cons of the off label use of this filter with JetStream atherectomy are discussed.

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

    Science.gov (United States)

    Kean, J. W.; Smith, J.

    2001-12-01

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

  2. The Role of Riparian Vegetation in Protecting and Improving Chemical Water Quality in Streams

    Science.gov (United States)

    Michael G. Dosskey; Philippe Vidon; Noel P. Gurwick; Craig J. Allan; Tim P. Duval; Richard Lowrance

    2010-01-01

    We review the research literature and summarize the major processes by which riparian vegetation influences chemical water quality in streams, as well as how these processes vary among vegetation types, and discuss how these processes respond to removal and restoration of riparian vegetation and thereby determine the timing and level of response in stream water quality...

  3. Risk assessment of salinity and turbidity in Victoria (Australia) to stream insects' community structure does not always protect functional traits.

    Science.gov (United States)

    Kefford, Ben J; Schäfer, Ralf B; Metzeling, Leon

    2012-01-15

    Ecological risk assessments mostly consider measures of community composition (structure) across large spatial scales. These assessments, using species sensitivity distributions (SSDs) or the relative species retention (RSR), may not be protective of ecosystem functions and services at smaller spatial scales. Here we examine how changes in biological traits, as proxy for ecosystem functions/services, at a fine spatial scale relate to larger scale assessment of structure. We use functional traits of stream insect species in south-east Australia in two habitats (riffle and edge/pool). We find that the protection of community structure in terms of 95% of species over multiple sites against adverse effects of salinity (as electrical conductivity) and turbidity will mostly, but not always, protect traits at smaller scales. Considering different combinations of trait modalities, contaminants and habitat, a mean of 17.5% (range 0%-36.8) of cases would result in under-protection of trait modalities despite protecting species composition (in terms of Jaccard's Index). This under-protection of trait modalities is only because of the different spatial scales that community structure and the traits were considered. We recommend that where the protection of biological traits, ecosystem functions or ecosystem services from stressors is a management goal, protective targets should not be solely set using measures of community structure such as SSDs or RSR. To protect both structural and functional attributes separate risk assessments should be done. Copyright © 2011 Elsevier B.V. All rights reserved.

  4. Preparative engineering on the Tomari Nuclear Power Station Unit 3. In-site measurement on wave pressure working to new type bank protection

    International Nuclear Information System (INIS)

    Matsumoto, Yoriaki; Hoshi, Hideki; Amano, Hideki

    2003-01-01

    The Tomari Nuclear Power Station Unit 3 is planned to construct it at sea-side area adjacent to southern-east portion of Unit 1 and 2, and has been carried out its preparative engineerings such as bank protection with about 670 m in length, its development, and so on, corresponding to it. Among them, as type of landfill for protection of important construction at its background the Amahata covered-block type bank protection developed by a series of hydrologic tests was adopted. This engineering was begun on March, 2001, and most of establishment on the landfill bank protection was finished on June, 2003. Then, an in-situ measurement aiming to obtain actual testing data and so on of wave pressure at this type of bank protection, was planned, to carry out its measurement at winter (October, 2002 to February, 2003) showing the highest wave at this sea area. Here were reported on relationship between incident wave and wave pressure feature working at new type bank protection together with describing on outlines of the in-situ measurement. (G.K.)

  5. In-Stream Sediment Dynamics for predicted environmental concentration calculations of plant protection products in the FOCUSSW Scenarios

    Science.gov (United States)

    Strehmel, Alexander; Erzgräber, Beate; Gottesbüren, Bernhard

    2016-04-01

    The exposure assessment for the EU registration procedure of plant protection products (PPP), which is based on the 'Forum for the co-ordination of pesticide fate models and their use' (FOCUS), currently considers only periods of 12-16 months for the exposure assessment in surface water bodies. However, in a recent scientific opinion of the European Food Safety Authority (EFSA) it is argued that in a multi-year exposure assessment, the accumulation of PPP substances in river sediment may be a relevant process. Therefore, the EFSA proposed to introduce a sediment accumulation factor in order to account for enrichment of PPP substances over several years in the sediment. The calculation of this accumulation factor, however, would consider degradation in sediment as the only dissipation path, and does not take into account riverine sediment dynamics. In order to assess the influence of deposition and the possible extent of substance accumulation in the sediment phase, the hydraulic model HEC-RAS was employed for an assessment of in-stream sediment dynamics of the FOCUS stream scenarios. The model was parameterized according to the stream characteristics of the FOCUS scenarios and was run over a period of 20 years. The results show that with the distribution of grain sizes and the ranges of flow velocity in the FOCUS streams the main sediment process in the streams is transport. First modeling results suggest that about 80% of the eroded sediment mass from the adjacent field are transported to the downstream end of the stream and out of the system, while only about 20% are deposited in the river bed. At the same time, only about 30% of in-stream sediment mass stems from the adjacent field and is associated with PPP substance, while the remaining sediment consists of the substance-free base sediment concentration regarded in the scenarios. With this, the hydraulic modelling approach is able to support the development of a meaningful sediment accumulation factor by

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

    Science.gov (United States)

    Keshavarzi, Alireza; Noori, Lila Khaje

    2010-12-01

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

  7. Health care fraud and abuse data collection program: technical revisions to healthcare integrity and protection data bank data collection activities. Interim final rule with comment period.

    Science.gov (United States)

    2004-06-17

    The rule makes technical changes to the Healthcare Integrity and Protection Data Bank (HIPDB) data collection reporting requirements set forth in 45 CFR part 61 by clarifying the types of personal numeric identifiers that may be reported to the data bank in connection with adverse actions. Specifically, the rule clarifies that in lieu of a Social Security Number (SSN), an individual taxpayer identification number (ITIN) may be reported to the data bank when, in those limited situations, an individual does not have an SSN.

  8. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios: Application to the Danish Agricultural Sector

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas

    while retaining an appropriate structure of incentives. Within the structural credit risk modeling framework we apply two alternative structural multivariate default risk models, the classical Gaussian Black-Scholes-Merton model and a model based on Normal Inverse Gaussian (NIG) processes, e.g. Barndorf...... as the underlying in the valuation of the corresponding APS in order to demonstrate the applicability of the APS as a regulatory tool. The contribution to the financial literature on credit risk is the empirical analysis of agricultural loans using our unique data set. The contribution to the banking literature......An Asset Protection Scheme (APS) is a portfolio insurance contract; a credit derivative used as a tool to restore financial stability and reestablish economic confidence. Opposed to most governmental bailout packages implemented all over the world recently, the APS can be a fair market contract...

  9. Comprehensive Protection of Data-Partitioned Video for Broadband Wireless IPTV Streaming

    Directory of Open Access Journals (Sweden)

    Laith Al-Jobouri

    2012-01-01

    Full Text Available This paper examines the threat to video streaming from slow and fast fading, traffic congestion, and channel packet drops. The proposed response is a combination of: rateless channel coding, which is adaptively applied; data-partitioned source coding to exploit prioritized packetization; and duplicate slice provision, which is the focus of the evaluation in this paper. The paper also considers the distribution of intra-refresh macroblocks as a means of avoiding sudden data rate increases. When error bursts occur, this paper shows that duplicate slices are certainly necessary but this provision is more effective for medium quality video than it is for high quality video. The percentage of intra-refresh macroblocks can be low and still reduce the impact of temporal error propagation.

  10. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Grosen, Anders; Jessen, Pernille; Kokholm, Thomas Sander

    contract with an appropriate structure of incentives. Within the structural credit risk modeling framework, we apply two alternative multivariate default risk models; the classical Gaussian Merton model and a model based on Normal Inverse Gaussian (NIG) processes. Exchanging the normal factors......We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a tool to restore financial stability and reduce asymmetric information. As opposed to most governmental bailout packages implemented across the world recently, the APS can be a fair valued...

  11. An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios

    DEFF Research Database (Denmark)

    Kokholm, Thomas

    contract with an appropriate structure of incentives. Within the structural credit risk modeling framework, we apply two alternative multivariate default risk models: the classical Gaussian Merton model and a model based on Normal Inverse Gaussian (NIG) processes. Exchanging the normal factors......We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a tool to restore financial stability and reduce asymmetric information. As opposed to most governmental bailout packages implemented across the world recently, the APS can be a fair valued...

  12. StreamCat

    Data.gov (United States)

    U.S. Environmental Protection Agency — The StreamCat Dataset provides summaries of natural and anthropogenic landscape features for ~2.65 million streams, and their associated catchments, within the...

  13. Percent Forest Adjacent to Streams

    Data.gov (United States)

    U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

  14. Percent Agriculture Adjacent to Streams

    Data.gov (United States)

    U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

  15. Unequal Protection of Video Streaming through Adaptive Modulation with a Trizone Buffer over Bluetooth Enhanced Data Rate

    Directory of Open Access Journals (Sweden)

    Razavi Rouzbeh

    2008-01-01

    Full Text Available Abstract Bluetooth enhanced data rate wireless channel can support higher-quality video streams compared to previous versions of Bluetooth. Packet loss when transmitting compressed data has an effect on the delivered video quality that endures over multiple frames. To reduce the impact of radio frequency noise and interference, this paper proposes adaptive modulation based on content type at the video frame level and content importance at the macroblock level. Because the bit rate of protected data is reduced, the paper proposes buffer management to reduce the risk of buffer overflow. A trizone buffer is introduced, with a varying unequal protection policy in each zone. Application of this policy together with adaptive modulation results in up to 4 dB improvement in objective video quality compared to fixed rate scheme for an additive white Gaussian noise channel and around 10 dB for a Gilbert-Elliott channel. The paper also reports a consistent improvement in video quality over a scheme that adapts to channel conditions by varying the data rate without accounting for the video frame packet type or buffer congestion.

  16. Unequal Protection of Video Streaming through Adaptive Modulation with a Trizone Buffer over Bluetooth Enhanced Data Rate

    Directory of Open Access Journals (Sweden)

    Rouzbeh Razavi

    2007-12-01

    Full Text Available Bluetooth enhanced data rate wireless channel can support higher-quality video streams compared to previous versions of Bluetooth. Packet loss when transmitting compressed data has an effect on the delivered video quality that endures over multiple frames. To reduce the impact of radio frequency noise and interference, this paper proposes adaptive modulation based on content type at the video frame level and content importance at the macroblock level. Because the bit rate of protected data is reduced, the paper proposes buffer management to reduce the risk of buffer overflow. A trizone buffer is introduced, with a varying unequal protection policy in each zone. Application of this policy together with adaptive modulation results in up to 4 dB improvement in objective video quality compared to fixed rate scheme for an additive white Gaussian noise channel and around 10 dB for a Gilbert-Elliott channel. The paper also reports a consistent improvement in video quality over a scheme that adapts to channel conditions by varying the data rate without accounting for the video frame packet type or buffer congestion.

  17. Efficiency testing of Red Lake protection dam on Rosu stream by 210Pb method

    International Nuclear Information System (INIS)

    Robert-Csaba Begy; Hedvig Simon; Edina Reizer

    2015-01-01

    The Red lake, a small lake from Romania is threatened by massive sedimentation, therefore two protection dams were constructed on Oii and Rosu brooks. The aim of this study is to get information about the variation of the retention capability of the dams using the 210 Pb method. 210 Pb, 226 Ra and 137 Cs were measured by gamma- and 210 Po by alpha spectrometry. The values for mass sedimentation are between 0.17 ± 0.03-2.3 ± 0.4 g/cm 2 y for the Red Lake and 0.21 ± 0.03-0.9 ± 0.1 g/cm 2 y for the dam lake. Due to these high values, the dam lake will fill up in 20 ± 8y and 80 % of the Red Lake in 81 ± 30y. (author)

  18. Three-Dimensional Numerical Modelling of Flow and Sediment Transport for Field Scale Application of Stream Barbs at Sawmill Creek, Ottawa

    Science.gov (United States)

    Jamieson, E. C.; Rennie, C. D.; Townsend, R. D.

    2009-05-01

    Stream barbs (a type of submerged groyne or spur dike) are low-profile linear rock structures that prevent the erosion of stream banks by redirecting high velocity flow away from the bank. Stream barbs are becoming a popular method for stream bank protection as they can be built at a relatively low cost and provide added ecological benefit. The design and construction of stream barbs in Sawmill Creek, a small urban stream in the city of Ottawa, Canada, will serve as a demonstration project for the use of barbs as a bank stabilization technique that will contribute to the rehabilitation of urban creeks while reducing erosion threats to property and infrastructure. As well as providing bank protection, these structures promote vegetated stream banks, create resting pools and scour holes for fish habitat, and increase bio-diversity for aquatic species. Despite these benefits, stream barbs are not a common means of stream bank protection in Canada, due largely to a lack of suitable design guidelines. The overall goal of stream habitat restoration in incising channel systems should be to accelerate natural processes of channel equilibrium recovery, riparian re-vegetation, and stream-floodplain interaction. Incorporating stream barbs, instead of traditional bank protection measures, attempts to achieve these goals. A three-dimensional numerical model: 'Simulation in Intakes with Multiblock option' (SSIIM), was used to model the effects of placing a series of stream barbs along an unstable section of Sawmill Creek. The average bankfull depth, width, and discharge of the creek are 1.2 m, 7.5 m, and 9 m3/s respectively. The model was used to assess various design alternatives for a series of seven stream barbs at two consecutive channel bends requiring stabilization measures along their outer banks. Design criteria were principally based on the reduction of velocity, shear stress and subsequent erosion at the outside bank of each bend, and on the relocation of a new thalweg

  19. Protection of control and monitoring equipment from electromagnetic noise in the 67 MJ, 50 kV capacitor bank

    Energy Technology Data Exchange (ETDEWEB)

    Galakhov, I V; Gasheev, A S; Grusin, I A; Gudov, S N; Kuz` michev, Yu P; Murugov, V M; Osin, V A; Pankratov, V I; Pegoev, I N [All-Russian Scientific Research Inst. of Experimental Physics, Sarov (Russian Federation)

    1997-12-31

    A discharge of the 67 MJ and 50 kV capacitor bank used as a pulsed power system for flashlamp pumping of ISKRA-5`s high-power iodine laser, involves control and diagnostic equipment being subjected to significant electromagnetic fields and electrical interference that will further develop through conductive circuits. The paper describes and validates design approaches to the grounding system, signal carriage and decoupling circuits that would result in lower interference both for the capacitor bank`s control and diagnostics systems. A summary is also given of the ten-years` practice in operating the control and diagnostics equipment during the facility experiments. (author). 1 tab., 3 refs.

  20. Modification of meander migration by bank failures

    Science.gov (United States)

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

    2014-05-01

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

  1. 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...

  2. The dance of duplicity in emerging markets: Using bank regulation and deposit insurance protection to enrich the elite

    OpenAIRE

    Kurt Dew

    2011-01-01

    We seek to identify the culpability of banks in resource misallocation in Mexico, Thailand and Turkey. Specifically we provide evidence of an agency problem in the government and banking systems of the three countries. Where governments pass laws and regulations consistent with modern capitalism for the purpose of deceiving investors and others, the door is opened to the use of deposit insurance and repeated promises of regulatory reform to transfer wealth from the efficient to the corrupt.

  3. The dance of duplicity in emerging markets: Using bank regulation and deposit insurance protection to enrich the elite

    Directory of Open Access Journals (Sweden)

    Kurt Dew

    2011-03-01

    Full Text Available We seek to identify the culpability of banks in resource misallocation in Mexico, Thailand and Turkey. Specifically we provide evidence of an agency problem in the government and banking systems of the three countries. Where governments pass laws and regulations consistent with modern capitalism for the purpose of deceiving investors and others, the door is opened to the use of deposit insurance and repeated promises of regulatory reform to transfer wealth from the efficient to the corrupt.

  4. 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.

  5. 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...

  6. 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.

  7. 40 CFR 96.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.255 Section 96.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.255 Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a...

  8. 40 CFR 97.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.155 Section 97.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a compliance account or a...

  9. 40 CFR 97.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.55 Section 97.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. NOX allowances may be banked for future use or transfer in a compliance account, an overdraft...

  10. 40 CFR 97.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.355 Section 97.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... System § 97.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future use or transfer in...

  11. 40 CFR 96.355 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.355 Section 96.355 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Allowance Tracking System § 96.355 Banking. (a) CAIR NOX Ozone Season allowances may be banked for future...

  12. 40 CFR 96.55 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.55 Section 96.55 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.55 Banking. (a) NOX allowances may be banked for future use or transfer in a...

  13. 40 CFR 96.155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 96.155 Section 96.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NOX BUDGET... Tracking System § 96.155 Banking. (a) CAIR NOX allowances may be banked for future use or transfer in a...

  14. 40 CFR 60.4155 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for future...

  15. 40 CFR 97.255 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 97.255 Section 97.255 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX... Banking. (a) CAIR SO2 allowances may be banked for future use or transfer in a compliance account or a...

  16. Flume experiments on scour downstream of wood stream restoration structures

    Science.gov (United States)

    Pagliara, Stefano; Kurdistani, Sahameddin Mahmoudi

    2017-02-01

    River restoration aims to improve physical natural form and processes of a river. Techniques to control the riverbed, stabilize channel alignment, protect stream banks, and rebuild the natural habitat are an important part of river restoration projects. Rivers can be stabilized and habitat restored through techniques such as rebuilding meanders and pool-riffle sequences and managing large wood. Structures that limit channel width to accelerate the normal flows through the constricted section are referred to as stream deflectors. Single-wing, double-wing and triangular deflectors are the most commonly used types of this measure. Log-frame deflectors consist of a triangular log frame filled with rock. Deflector constructions singly or in series in low gradient meandering streams, divert base flows toward the center of the channel and, under certain conditions, increase the depth and velocity of flow thereby creating scour pools and enhancing fish habitat. Scour characteristics and morphologies downstream of log-frame deflectors have been analyzed at the hydraulic laboratory of the University of Pisa. All experiments have been carried out in clear water conditions. The results showed that the tailwater depth plays an important role on scour characteristics. In addition, it was experimentally proven that using log-frame deflectors instead of log-deflectors result in a better river bank protection. In this case, for all the tested hydraulic conditions, the scour hole never occurred close to the channel bank. Useful empirical relationships have been proposed in order to evaluate the main features of the scour geometry.

  17. 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...

  18. Application of the Lean Office philosophy and mapping of the value stream in the process of designing the banking units of a financial company

    Directory of Open Access Journals (Sweden)

    Nelson Antônio Calsavara

    2016-09-01

    Full Text Available The purpose of this study is to conduct a critical analysis of the effects of Lean Office on the design process of the banking units of a financial company and how the implementation of this philosophy may contribute to productivity, thus reducing implementation time. A literature review of the Toyota Production System was conducted, as well as studies on its methods, with advancement to lean thinking and consistent application of Lean philosophies in services and Office. A bibliographic and documentary survey of the Lean processes and procedures for opening bank branches was taken. A Current State Map was developed, modeling the current operating procedures. Soon after the identification and analysis of waste, proposals were presented for reducing deadlines and eliminating and grouping stages, with consequent development of the Future State Map, implementation and monitoring of stages, and the measurement of estimated time gains in operation, demonstrating an estimated 45% reduction, in days, from start to end of the process, concluding that the implementation of the Lean Office philosophy contributed to the process.

  19. Percent Forest Adjacent to Streams (Future)

    Data.gov (United States)

    U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

  20. Percent Agriculture Adjacent to Streams (Future)

    Data.gov (United States)

    U.S. Environmental Protection Agency — The type of vegetation along a stream influences the water quality in the stream. Intact buffer strips of natural vegetation along streams tend to intercept...

  1. 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…

  2. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715 Section 1042.715 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR POLLUTION..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention...

  3. 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.

  4. 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...

  5. Future Roads Near Streams

    Data.gov (United States)

    U.S. Environmental Protection Agency — Roads are a source of auto related pollutants (e.g. gasoline, oil and other engine fluids). When roads are near streams, rain can wash these pollutants directly into...

  6. Roads Near Streams

    Data.gov (United States)

    U.S. Environmental Protection Agency — Roads are a source of auto related pollutants (e.g. gasoline, oil and other engine fluids). When roads are near streams, rain can wash these pollutants directly into...

  7. 78 FR 20473 - National Practitioner Data Bank

    Science.gov (United States)

    2013-04-05

    ... Data Bank AGENCY: Health Resources and Services Administration (HRSA), HHS. ACTION: Final rule. SUMMARY... Bank, to incorporate statutory requirements under the Patient Protection and Affordable Care Act of... regulations which implemented the Healthcare Integrity and Protection Data Bank. Section 6403 of the...

  8. Target loads of atmospheric sulfur deposition for the protection and recovery of acid-sensitive streams in the Southern Blue Ridge Province.

    Science.gov (United States)

    Sullivan, Timothy J; Cosby, Bernard J; Jackson, William A

    2011-11-01

    An important tool in the evaluation of acidification damage to aquatic and terrestrial ecosystems is the critical load (CL), which represents the steady-state level of acidic deposition below which ecological damage would not be expected to occur, according to current scientific understanding. A deposition load intended to be protective of a specified resource condition at a particular point in time is generally called a target load (TL). The CL or TL for protection of aquatic biota is generally based on maintaining surface water acid neutralizing capacity (ANC) at an acceptable level. This study included calibration and application of the watershed model MAGIC (Model of Acidification of Groundwater in Catchments) to estimate the target sulfur (S) deposition load for the protection of aquatic resources at several future points in time in 66 generally acid-sensitive watersheds in the southern Blue Ridge province of North Carolina and two adjoining states. Potential future change in nitrogen leaching is not considered. Estimated TLs for S deposition ranged from zero (ecological objective not attainable by the specified point in time) to values many times greater than current S deposition depending on the selected site, ANC endpoint, and evaluation year. For some sites, one or more of the selected target ANC critical levels (0, 20, 50, 100μeq/L) could not be achieved by the year 2100 even if S deposition was reduced to zero and maintained at that level throughout the simulation. Many of these highly sensitive streams were simulated by the model to have had preindustrial ANC below some of these target values. For other sites, the watershed soils contained sufficiently large buffering capacity that even very high sustained levels of atmospheric S deposition would not reduce stream ANC below common damage thresholds. Copyright © 2011 Elsevier Ltd. All rights reserved.

  9. Shifting stream planform state decreases stream productivity yet increases riparian animal production

    Science.gov (United States)

    Venarsky, Michael P.; Walters, David M.; Hall, Robert O.; Livers, Bridget; Wohl, Ellen

    2018-01-01

    In the Colorado Front Range (USA), disturbance history dictates stream planform. Undisturbed, old-growth streams have multiple channels and large amounts of wood and depositional habitat. Disturbed streams (wildfires and logging tested how these opposing stream states influenced organic matter, benthic macroinvertebrate secondary production, emerging aquatic insect flux, and riparian spider biomass. Organic matter and macroinvertebrate production did not differ among sites per unit area (m−2), but values were 2 ×–21 × higher in undisturbed reaches per unit of stream valley (m−1 valley) because total stream area was higher in undisturbed reaches. Insect emergence was similar among streams at the per unit area and per unit of stream valley. However, rescaling insect emergence to per meter of stream bank showed that the emerging insect biomass reaching the stream bank was lower in undisturbed sites because multi-channel reaches had 3 × more stream bank than single-channel reaches. Riparian spider biomass followed the same pattern as emerging aquatic insects, and we attribute this to bottom-up limitation caused by the multi-channeled undisturbed sites diluting prey quantity (emerging insects) reaching the stream bank (riparian spider habitat). These results show that historic landscape disturbances continue to influence stream and riparian communities in the Colorado Front Range. However, these legacy effects are only weakly influencing habitat-specific function and instead are primarily influencing stream–riparian community productivity by dictating both stream planform (total stream area, total stream bank length) and the proportional distribution of specific habitat types (pools vs riffles).

  10. Streams with Strahler Stream Order

    Data.gov (United States)

    Minnesota Department of Natural Resources — Stream segments with Strahler stream order values assigned. As of 01/08/08 the linework is from the DNR24K stream coverages and will not match the updated...

  11. 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.

  12. Shifting stream planform state decreases stream productivity yet increases riparian animal production

    Science.gov (United States)

    Venarsky, Michael P.; Walters, David M.; Hall, Robert O.; Livers, Bridget; Wohl, Ellen

    2018-01-01

    In the Colorado Front Range (USA), disturbance history dictates stream planform. Undisturbed, old-growth streams have multiple channels and large amounts of wood and depositional habitat. Disturbed streams (wildfires and logging production, emerging aquatic insect flux, and riparian spider biomass. Organic matter and macroinvertebrate production did not differ among sites per unit area (m−2), but values were 2 ×–21 × higher in undisturbed reaches per unit of stream valley (m−1 valley) because total stream area was higher in undisturbed reaches. Insect emergence was similar among streams at the per unit area and per unit of stream valley. However, rescaling insect emergence to per meter of stream bank showed that the emerging insect biomass reaching the stream bank was lower in undisturbed sites because multi-channel reaches had 3 × more stream bank than single-channel reaches. Riparian spider biomass followed the same pattern as emerging aquatic insects, and we attribute this to bottom-up limitation caused by the multi-channeled undisturbed sites diluting prey quantity (emerging insects) reaching the stream bank (riparian spider habitat). These results show that historic landscape disturbances continue to influence stream and riparian communities in the Colorado Front Range. However, these legacy effects are only weakly influencing habitat-specific function and instead are primarily influencing stream–riparian community productivity by dictating both stream planform (total stream area, total stream bank length) and the proportional distribution of specific habitat types (pools vs riffles).

  13. 40 CFR 91.1305 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.1305 Section 91.1305 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) CONTROL OF EMISSIONS FROM MARINE SPARK-IGNITION ENGINES In-Use Credit Program for New Marine Engines § 91.1305 Banking...

  14. 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...

  15. Riparian forest buffers mitigate the effects of deforestation on fish assemblages in tropical headwater streams.

    Science.gov (United States)

    Lorion, Christopher M; Kennedy, Brian P

    2009-03-01

    Riparian forest buffers may play a critical role in moderating the impacts of deforestation on tropical stream ecosystems, but very few studies have examined the ecological effects of riparian buffers in the tropics. To test the hypothesis that riparian forest buffers can reduce the impacts of deforestation on tropical stream biota, we sampled fish assemblages in lowland headwater streams in southeastern Costa Rica representing three different treatments: (1) forested reference stream reaches, (2) stream reaches adjacent to pasture with a riparian forest buffer averaging at least 15 m in width on each bank, and (3) stream reaches adjacent to pasture without a riparian forest buffer. Land cover upstream from the study reaches was dominated by forest at all of the sites, allowing us to isolate the reach-scale effects of the three study treatments. Fish density was significantly higher in pasture reaches than in forest and forest buffer reaches, mostly due to an increase in herbivore-detritivores, but fish biomass did not differ among reach types. Fish species richness was also higher in pasture reaches than in forested reference reaches, while forest buffer reaches were intermediate. Overall, the taxonomic and trophic structure of fish assemblages in forest and forest buffer reaches was very similar, while assemblages in pasture reaches were quite distinct. These patterns were persistent across three sampling periods during our 15-month study. Differences in stream ecosystem conditions between pasture reaches and forested sites, including higher stream temperatures, reduced fruit and seed inputs, and a trend toward increased periphyton abundance, appeared to favor fish species normally found in larger streams and facilitate a native invasion process. Forest buffer reaches, in contrast, had stream temperatures and allochthonous inputs more similar to forested streams. Our results illustrate the importance of riparian areas to stream ecosystem integrity in the tropics

  16. Wadeable Streams Assessment Data

    Science.gov (United States)

    The Wadeable Streams Assessment (WSA) is a first-ever statistically-valid survey of the biological condition of small streams throughout the U.S. The U.S. Environmental Protection Agency (EPA) worked with the states to conduct the assessment in 2004-2005. Data for each parameter sampled in the Wadeable Streams Assessment (WSA) are available for downloading in a series of files as comma separated values (*.csv). Each *.csv data file has a companion text file (*.txt) that lists a dataset label and individual descriptions for each variable. Users should view the *.txt files first to help guide their understanding and use of the data.

  17. Stream Crossings

    Data.gov (United States)

    Vermont Center for Geographic Information — Physical measurements and attributes of stream crossing structures and adjacent stream reaches which are used to provide a relative rating of aquatic organism...

  18. 40 CFR 89.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 89.205 Section 89.205... EMISSIONS FROM NEW AND IN-USE NONROAD COMPRESSION-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 89.205 Banking. (a) Requirements for Tier 1 engines rated at or above 37 kW. (1) A manufacturer...

  19. 40 CFR 90.205 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 90.205 Section 90.205... EMISSIONS FROM NONROAD SPARK-IGNITION ENGINES AT OR BELOW 19 KILOWATTS Certification Averaging, Banking, and Trading Provisions § 90.205 Banking. (a)(1) Beginning August 1, 2007, a manufacturer of a Class I engine...

  20. 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

  1. Akamai Streaming

    OpenAIRE

    ECT Team, Purdue

    2007-01-01

    Akamai offers world-class streaming media services that enable Internet content providers and enterprises to succeed in today's Web-centric marketplace. They deliver live event Webcasts (complete with video production, encoding, and signal acquisition services), streaming media on demand, 24/7 Webcasts and a variety of streaming application services based upon their EdgeAdvantage.

  2. 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.

  3. 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.

  4. Morphology of a Wetland Stream

    Science.gov (United States)

    Jurmu; Andrle

    1997-11-01

    / Little attention has been paid to wetland stream morphology in the geomorphological and environmental literature, and in the recently expanding wetland reconstruction field, stream design has been based primarily on stream morphologies typical of nonwetland alluvial environments. Field investigation of a wetland reach of Roaring Brook, Stafford, Connecticut, USA, revealed several significant differences between the morphology of this stream and the typical morphology of nonwetland alluvial streams. Six morphological features of the study reach were examined: bankfull flow, meanders, pools and riffles, thalweg location, straight reaches, and cross-sectional shape. It was found that bankfull flow definitions originating from streams in nonwetland environments did not apply. Unusual features observed in the wetland reach include tight bends and a large axial wavelength to width ratio. A lengthy straight reach exists that exceeds what is typically found in nonwetland alluvial streams. The lack of convex bank point bars in the bends, a greater channel width at riffle locations, an unusual thalweg location, and small form ratios (a deep and narrow channel) were also differences identified. Further study is needed on wetland streams of various regions to determine if differences in morphology between alluvial and wetland environments can be applied in order to improve future designs of wetland channels.KEY WORDS: Stream morphology; Wetland restoration; Wetland creation; Bankfull; Pools and riffles; Meanders; Thalweg

  5. 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...

  6. 40 CFR 1033.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer...

  7. Factors affecting reservoir and stream-water quality in the Cambridge, Massachusetts, drinking-water source area and implications for source-water protection

    Science.gov (United States)

    Waldron, Marcus C.; Bent, Gardner C.

    2001-01-01

    This report presents the results of a study conducted by the U.S. Geological Survey, in cooperation with the city of Cambridge, Massachusetts, Water Department, to assess reservoir and tributary-stream quality in the Cambridge drinking-water source area, and to use the information gained to help guide the design of a comprehensive water-quality monitoring program for the source area. Assessments of the quality and trophic state of the three primary storage reservoirs, Hobbs Brook Reservoir, Stony Brook Reservoir, and Fresh Pond, were conducted (September 1997-November 1998) to provide baseline information on the state of these resources and to determine the vulnerability of the reservoirs to increased loads of nutrients and other contaminants. The effects of land use, land cover, and other drainage-basin characteristics on sources, transport, and fate of fecal-indicator bacteria, highway deicing chemicals, nutrients, selected metals, and naturally occurring organic compounds in 11 subbasins that contribute water to the reservoirs also was investigated, and the data used to select sampling stations for incorporation into a water-quality monitoring network for the source area. All three reservoirs exhibited thermal and chemical stratification, despite artificial mixing by air hoses in Stony Brook Reservoir and Fresh Pond. The stratification produced anoxic or hypoxic conditions in the deepest parts of the reservoirs and these conditions resulted in the release of ammonia nitrogen orthophosphate phosphorus, and dissolved iron and manganese from the reservoir bed sediments. Concentrations of sodium and chloride in the reservoirs usually were higher than the amounts recommended by the U.S. Environmental Protection agency for drinking-water sources (20 milligrams per liter for sodium and 250 milligrams per liter for chloride). Maximum measured sodium concentrations were highest in Hobbs Brook Reservoir (113 milligrams per liter), intermediate in Stony Brook Reservoir (62

  8. 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...

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

    International Nuclear Information System (INIS)

    1994-12-01

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

  10. Stream systems.

    Science.gov (United States)

    Jack E. Williams; Gordon H. Reeves

    2006-01-01

    Restored, high-quality streams provide innumerable benefits to society. In the Pacific Northwest, high-quality stream habitat often is associated with an abundance of salmonid fishes such as chinook salmon (Oncorhynchus tshawytscha), coho salmon (O. kisutch), and steelhead (O. mykiss). Many other native...

  11. Stream temperature responses to timber harvest and best management practices—findings from the ODF RipStream project

    Science.gov (United States)

    Jeremy D. Groom

    2013-01-01

    Studies over the past 40 years have established that riparian buff er retention along streams protects against stream temperature increase. Th is protection is neither universal nor complete; some buff ered streams still warm, while other streams’ temperatures remain stable. Oregon Department of Forestry developed riparian rules in the Forest Practices Act (FPA) to...

  12. Spatiotemporal Distribution and Assemblages of Fishes below the Lowermost Dam in Protected Reach in the Yangtze River Main Stream: Implications for River Management

    Science.gov (United States)

    Li, Junyi; Zhang, Hui; Lin, Danqing; Wu, Jinming; Wang, Chengyou; Xie, Xuan

    2016-01-01

    Now more and more ecologists concern about the impacts of dam construction on fish. However, studies of fishes downstream Gezhouba Dam were rarely reported except Chinese sturgeon (Acipenser sinensis Gray). In this study, catch investigations and five hydroacoustic detections were completed from 2015 to 2016 to understand the distribution, size, and categories of fishes and their relationship with the environmental factors below Gezhouba Dam in protected reach in the Yangtze River main stream. Results showed significant differences in fish distribution and TS (target strength) between wet and flood seasons. Mean TS in five hydroacoustic detections were −59.98 dB, −54.70 dB, −56.16 dB, −57.90 dB, and −59.17 dB, respectively, and dominant fish species are Coreius guichenoti (Bleeker), Siniperca chuatsi (Basilewsky), and Pelteobagrus vachelli (Richardson). In the longitudinal direction, fish preferred to stay in some specific sections like reaches 2, 4, 7, 8, 11, and 16. Since hydrology factors change greatly in different seasons, environmental characteristics vary along the reaches, and human activities play an important role in the fish behavior, it is concluded that great cross-season changes in hydrology lead to the differences in TS and fish assemblages and that geography characteristics, especially channel geography, together with human activities influence fish longitudinal distribution. This finding provides basic knowledge of spatiotemporal distribution and assemblages of fishes in the extended reaches downstream Gezhouba Dam. In addition, it offers implications for river management. It could also serve as reference of future research on fish habitat. PMID:27843943

  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. Cyber threats and responses in the banking sector

    CSIR Research Space (South Africa)

    Strauss

    2017-10-01

    Full Text Available stream_source_info Strauss_CSIR2017.pdf.txt stream_content_type text/plain stream_size 5207 Content-Encoding UTF-8 stream_name Strauss_CSIR2017.pdf.txt Content-Type text/plain; charset=UTF-8 CSIR Conference Cyber... Threats and Responses in the banking sector Paul Strauss Chief Information Risk Officer October 2017 CSIR / Standard Bank / page 2 Cyber Risk Drivers 4% of www content Academic Information Medical Records Legal Documents Scientific...

  15. Factors influencing accounting conservatism in banks: the UAE case

    Directory of Open Access Journals (Sweden)

    Magdi El-Bannany

    2017-06-01

    Full Text Available The purpose of this study is to determine the factors influencing the accounting conservatism for banks in the UAE over the period 2006-2013. Design/methodology/approach – Multiple regression analysis is used to test the relationship between accounting conservatism as a dependent variable and the independent variables intellectual capital performance, market structure, level of protection against risk, bank size, and bank profitability. The results indicate that intellectual capital performance, market structure, bank size, the level of protection against risk and bank profitability have significant impact on the accounting conservatism for banks in the UAE. These results might help the banking and accounting regulators to address the factors affecting accounting conservatism. This study adds to the literature on the determinants of accounting conservatism in banks. In particular, it tests whether the new theories of intellectual capital performance, market structure and level of protection against risk have an impact on accounting conservatism in the banking industry in the UAE.

  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. Stream Evaluation

    Data.gov (United States)

    Kansas Data Access and Support Center — Digital representation of the map accompanying the "Kansas stream and river fishery resource evaluation" (R.E. Moss and K. Brunson, 1981.U.S. Fish and Wildlife...

  19. 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.

  20. 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.

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

    Directory of Open Access Journals (Sweden)

    Mohammad Nazim Uddin

    2018-01-01

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

  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. Is banking supervision central to central banking?

    OpenAIRE

    Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

    1997-01-01

    Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

  6. Duck Valley Habitat Enhancement and Protection, 2000 Annual Report.

    Energy Technology Data Exchange (ETDEWEB)

    Dodson, Guy; Pero, Vincent (Shoshone-Paiute Nation, Duck Valley Indian Reservation, Owyhee, NV)

    2000-01-01

    The Duck Valley Indian Reservations' Habitat Enhancement project is an ongoing project designed to enhance and protect the critical riparian areas, natural springs, and native fish spawning areas on the Reservation. The project was begun in 1997 with the hiring of a fisheries biologist and the creation of a new department for the Tribes. The project's goals are to protect and enhance the springs, Owyhee River, its tributaries, and to develop a database that can be used by other fisheries professionals which includes information on water quality and fish composition, health, abundance, and genetic makeup. One habitat portion of the project is a focus on protection the numerous springs that provide clean, cool water to the Owyhee River. This will be accomplished through enclosure fences of the spring heads and water troughs to provide clean cool drinking water for wildlife and livestock. Another habitat portion of the project involves protecting headwater areas of streams with native fish populations. This is accomplished through enclosure fencing and riparian plantings on any eroded or degraded banks in the enclosure area. Finally, we monitor and evaluate the areas protected and enhanced. This is accomplished through biological sampling for temperature, Oxygen, sedimentation, and measurements of water depth, bank height and undercut, and width of stream. With the habitat and biological indices we will be able to evaluate how well protective measures are doing, and where to focus future efforts.

  7. 40 CFR 73.36 - Banking.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Banking. 73.36 Section 73.36... ALLOWANCE SYSTEM Allowance Tracking System § 73.36 Banking. (a) Compliance accounts. Any allowance in a compliance account not deducted pursuant to § 73.35 will remain in the compliance account. (b) General...

  8. Salamander occupancy in headwater stream networks

    Science.gov (United States)

    Grant, E.H.C.; Green, L.E.; Lowe, W.H.

    2009-01-01

    1. Stream ecosystems exhibit a highly consistent dendritic geometry in which linear habitat units intersect to create a hierarchical network of connected branches. 2. Ecological and life history traits of species living in streams, such as the potential for overland movement, may interact with this architecture to shape patterns of occupancy and response to disturbance. Specifically, large-scale habitat alteration that fragments stream networks and reduces connectivity may reduce the probability a stream is occupied by sensitive species, such as stream salamanders. 3. We collected habitat occupancy data on four species of stream salamanders in first-order (i.e. headwater) streams in undeveloped and urbanised regions of the eastern U.S.A. We then used an information-theoretic approach to test alternative models of salamander occupancy based on a priori predictions of the effects of network configuration, region and salamander life history. 4. Across all four species, we found that streams connected to other first-order streams had higher occupancy than those flowing directly into larger streams and rivers. For three of the four species, occupancy was lower in the urbanised region than in the undeveloped region. 5. These results demonstrate that the spatial configuration of stream networks within protected areas affects the occurrences of stream salamander species. We strongly encourage preservation of network connections between first-order streams in conservation planning and management decisions that may affect stream species.

  9. Analyzing indicators of stream health for Minnesota streams

    Science.gov (United States)

    Singh, U.; Kocian, M.; Wilson, B.; Bolton, A.; Nieber, J.; Vondracek, B.; Perry, J.; Magner, J.

    2005-01-01

    Recent research has emphasized the importance of using physical, chemical, and biological indicators of stream health for diagnosing impaired watersheds and their receiving water bodies. A multidisciplinary team at the University of Minnesota is carrying out research to develop a stream classification system for Total Maximum Daily Load (TMDL) assessment. Funding for this research is provided by the United States Environmental Protection Agency and the Minnesota Pollution Control Agency. One objective of the research study involves investigating the relationships between indicators of stream health and localized stream characteristics. Measured data from Minnesota streams collected by various government and non-government agencies and research institutions have been obtained for the research study. Innovative Geographic Information Systems tools developed by the Environmental Science Research Institute and the University of Texas are being utilized to combine and organize the data. Simple linear relationships between index of biological integrity (IBI) and channel slope, two-year stream flow, and drainage area are presented for the Redwood River and the Snake River Basins. Results suggest that more rigorous techniques are needed to successfully capture trends in IBI scores. Additional analyses will be done using multiple regression, principal component analysis, and clustering techniques. Uncovering key independent variables and understanding how they fit together to influence stream health are critical in the development of a stream classification for TMDL assessment.

  10. Macrophyte presence is an indicator of enhanced denitrification and nitrification in sediments of a temperate restored agricultural stream

    Science.gov (United States)

    Stream macrophytes are often removed with their sediments to deepen stream channels, stabilize channel banks, or provide habitat for target species. These sediments may support enhanced nitrogen processing. To evaluate sediment nitrogen processing, identify seasonal patterns, and...

  11. 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

  12. Heroes of Danajon Bank | IDRC - International Development ...

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

    2011-01-27

    Jan 27, 2011 ... Marine protected areas (MPAs) have been strongly endorsed as a management option for the Danajon Bank, as for other tropical .... Related articles ... Thousands of events and competitions in 160 countries mark Global ...

  13. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Selly Maulina

    2016-12-01

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

  15. Relationships among rotational and conventional grazing systems, stream channels, and macroinvertebrates

    Science.gov (United States)

    Raymond, K.L.; Vondracek, B.

    2011-01-01

    Cattle grazing in riparian areas can reduce water quality, alter stream channel characteristics, and alter fish and macroinvertebrate assemblage structure. The U.S. Department of Agriculture, Natural Resources Conservation Services has recommended Rotational Grazing (RG) as an alternative management method on livestock and dairy operations to protect riparian areas and water quality. We evaluated 13 stream channel characteristics, benthic macroinvertebrate larvae (BML), and chironomid pupal exuviae (CPE) from 18 sites in the Upper Midwest of the United States in relation to RG and conventional grazing (CG). A Biotic Composite Score comprised of several macroinvertebrate metrics was developed for both the BML assemblage and the CPE assemblage. Multi-Response Permutation Procedures (MRPP) indicated a significant difference in stream channel characteristics between RG and CG. Nonmetric Multidimensional Scaling indicated that RG sites were associated with more stable stream banks, higher quality aquatic habitat, lower soil compaction, and larger particles in the streambed. However, neither MRPP nor Mann-Whitney U tests demonstrated a difference in Biotic Composite Scores for BML or CPE along RG and CG sites. The BML and CPE metrics were significantly correlated, indicating that they were likely responding to similar variables among the study sites. Although stream channel characteristics appeared to respond to grazing management, BML and CPE may have responded to land use throughout the watershed, as well as local land use. ?? 2011 Springer Science+Business Media B.V. (outside the USA).

  16. Protective

    Directory of Open Access Journals (Sweden)

    Wessam M. Abdel-Wahab

    2013-10-01

    Full Text Available Many active ingredients extracted from herbal and medicinal plants are extensively studied for their beneficial effects. Antioxidant activity and free radical scavenging properties of thymoquinone (TQ have been reported. The present study evaluated the possible protective effects of TQ against the toxicity and oxidative stress of sodium fluoride (NaF in the liver of rats. Rats were divided into four groups, the first group served as the control group and was administered distilled water whereas the NaF group received NaF orally at a dose of 10 mg/kg for 4 weeks, TQ group was administered TQ orally at a dose of 10 mg/kg for 5 weeks, and the NaF-TQ group was first given TQ for 1 week and was secondly administered 10 mg/kg/day NaF in association with 10 mg/kg TQ for 4 weeks. Rats intoxicated with NaF showed a significant increase in lipid peroxidation whereas the level of reduced glutathione (GSH and the activity of superoxide dismutase (SOD, catalase (CAT, glutathione S-transferase (GST and glutathione peroxidase (GPx were reduced in hepatic tissues. The proper functioning of the liver was also disrupted as indicated by alterations in the measured liver function indices and biochemical parameters. TQ supplementation counteracted the NaF-induced hepatotoxicity probably due to its strong antioxidant activity. In conclusion, the results obtained clearly indicated the role of oxidative stress in the induction of NaF toxicity and suggested hepatoprotective effects of TQ against the toxicity of fluoride compounds.

  17. 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.

  18. 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...

  19. 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.

  20. 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.

  1. 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.

  2. 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.

  3. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Wulanmas Frederik

    2012-01-01

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

  5. 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

  6. 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 ...

  7. Autonomous Byte Stream Randomizer

    Science.gov (United States)

    Paloulian, George K.; Woo, Simon S.; Chow, Edward T.

    2013-01-01

    Net-centric networking environments are often faced with limited resources and must utilize bandwidth as efficiently as possible. In networking environments that span wide areas, the data transmission has to be efficient without any redundant or exuberant metadata. The Autonomous Byte Stream Randomizer software provides an extra level of security on top of existing data encryption methods. Randomizing the data s byte stream adds an extra layer to existing data protection methods, thus making it harder for an attacker to decrypt protected data. Based on a generated crypto-graphically secure random seed, a random sequence of numbers is used to intelligently and efficiently swap the organization of bytes in data using the unbiased and memory-efficient in-place Fisher-Yates shuffle method. Swapping bytes and reorganizing the crucial structure of the byte data renders the data file unreadable and leaves the data in a deconstructed state. This deconstruction adds an extra level of security requiring the byte stream to be reconstructed with the random seed in order to be readable. Once the data byte stream has been randomized, the software enables the data to be distributed to N nodes in an environment. Each piece of the data in randomized and distributed form is a separate entity unreadable on its own right, but when combined with all N pieces, is able to be reconstructed back to one. Reconstruction requires possession of the key used for randomizing the bytes, leading to the generation of the same cryptographically secure random sequence of numbers used to randomize the data. This software is a cornerstone capability possessing the ability to generate the same cryptographically secure sequence on different machines and time intervals, thus allowing this software to be used more heavily in net-centric environments where data transfer bandwidth is limited.

  8. Interaction between stream temperature, streamflow, and groundwater exchanges in alpine streams

    Science.gov (United States)

    Constantz, James E.

    1998-01-01

    Four alpine streams were monitored to continuously collect stream temperature and streamflow for periods ranging from a week to a year. In a small stream in the Colorado Rockies, diurnal variations in both stream temperature and streamflow were significantly greater in losing reaches than in gaining reaches, with minimum streamflow losses occurring early in the day and maximum losses occurring early in the evening. Using measured stream temperature changes, diurnal streambed infiltration rates were predicted to increase as much as 35% during the day (based on a heat and water transport groundwater model), while the measured increase in streamflow loss was 40%. For two large streams in the Sierra Nevada Mountains, annual stream temperature variations ranged from 0° to 25°C. In summer months, diurnal stream temperature variations were 30–40% of annual stream temperature variations, owing to reduced streamflows and increased atmospheric heating. Previous reports document that one Sierra stream site generally gains groundwater during low flows, while the second Sierra stream site may lose water during low flows. For August the diurnal streamflow variation was 11% at the gaining stream site and 30% at the losing stream site. On the basis of measured diurnal stream temperature variations, streambed infiltration rates were predicted to vary diurnally as much as 20% at the losing stream site. Analysis of results suggests that evapotranspiration losses determined diurnal streamflow variations in the gaining reaches, while in the losing reaches, evapotranspiration losses were compounded by diurnal variations in streambed infiltration. Diurnal variations in stream temperature were reduced in the gaining reaches as a result of discharging groundwater of relatively constant temperature. For the Sierra sites, comparison of results with those from a small tributary demonstrated that stream temperature patterns were useful in delineating discharges of bank storage following

  9. 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...

  10. Stream instability countermeasures applied at Kansas Department of Transportation highway structures.

    Science.gov (United States)

    2008-11-01

    This project considered stream instability countermeasures used by the Kansas Department of Transportation (KDOT) to protect the highway infrastructure at stream crossings from changes due to the dynamic nature of streams. Site visits were made to 13...

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

    Directory of Open Access Journals (Sweden)

    Dario Kovačević

    2017-01-01

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

  12. How wide is a stream? Spatial extent of the potential "stream signature" in terrestrial food webs using meta-analysis.

    Science.gov (United States)

    Muehlbauer, Jeffrey D; Collins, Scott F; Doyle, Martin W; Tockner, Klement

    2014-01-01

    The magnitude of cross-ecosystem resource subsidies is increasingly well recognized; however, less is known about the distance these subsidies travel into the recipient landscape. In streams and rivers, this distance can delimit the "biological stream width," complementary to hydro-geomorphic measures (e.g., channel banks) that have typically defined stream ecosystem boundaries. In this study we used meta-analysis to define a "stream signature" on land that relates the stream-to-land subsidy to distance. The 50% stream signature, for example, identifies the point on the landscape where subsidy resources are still at half of their maximum (in- or near-stream) level. The decay curve for these data was best fit by a negative power function in which the 50% stream signature was concentrated near stream banks (1.5 m), but a non-trivial (10%) portion of the maximum subsidy level was still found > 0.5 km from the water's edge. The meta-analysis also identified explanatory variables that affect the stream signature. This improves our understanding of ecosystem conditions that permit spatially extensive subsidy transmission, such as in highly productive, middle-order streams and rivers. Resultant multivariate models from this analysis may be useful to managers implementing buffer rules and conservation strategies for stream and riparian function, as they facilitate prediction of the extent of subsidies. Our results stress that much of the subsidy remains near the stream, but also that subsidies (and aquatic organisms) are capable of long-distance dispersal into adjacent environments, and that the effective "biological stream width" of stream and river ecosystems is often much larger than has been defined by hydro-geomorphic metrics alone. Limited data available from marine and lake sources overlap well with the stream signature data, indicating that the "signature" approach may also be applicable to subsidy spatial dynamics across other ecosystems.

  13. BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Yuliya Onyshchenko

    2015-11-01

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

  14. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  15. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  16. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  17. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  18. Fighting the Financial Crisis in Greece: The Privileged Company to Protect Production and Trade in Currants (1905 as International Bank Cooperation

    Directory of Open Access Journals (Sweden)

    Korinna Schönhärl

    2013-12-01

    problem was the lack of diversity of Greek agricultural production, which was focused on raisins and currants (especially flavourful raisins, grown exclusively in the area around Corinth for export. The collapse of market prices for this good seriously affected the Greek treasury and society in the growing regions. The Greek government responded by trying to withhold part of the harvest in fertile years to stabilise world market prices. Plans to organise a monopoly company for the currant trade necessitated high sums of capital from abroad. This article investigates the question of how foreign bankers in London (Hambro & Son, Emile Erlanger and Paris (Banque de l’Union Parisienne could be convinced to participate in the project. Which factors allowed foreign bankers to trust in the Greek national economy despite its poor reputation? What factors influenced their risk management? The focus is on the role of Greek brokers in persuading the foreigners to invest in Greece, especially the role played by Ioannis Pesmazoglou, the director of the young and innovative Bank of Athens.

  19. 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.

  20. Galaxies with jet streams

    International Nuclear Information System (INIS)

    Breuer, R.

    1981-01-01

    Describes recent research work on supersonic gas flow. Notable examples have been observed in cosmic radio sources, where jet streams of galactic dimensions sometimes occur, apparently as the result of interaction between neighbouring galaxies. The current theory of jet behaviour has been convincingly demonstrated using computer simulation. The surprisingly long-term stability is related to the supersonic velocity, and is analagous to the way in which an Appollo spacecraft re-entering the atmosphere supersonically is protected by the gas from the burning shield. (G.F.F.)

  1. 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...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1991-06-01

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

  3. The Locals' Opportunity Under Foreign Banks' Expansion

    Institute of Scientific and Technical Information of China (English)

    Han Guiying; Xiao Jiajun

    2009-01-01

    @@ The global financial crisis is striking the international financial market severely. Since July 2007, foreign banks and brokers have been suffering an enormous loss caused by the financial crisis. More than 160 thousand jobs have been cut this year by financial institutions like Citibank, HSBC and Morgan Stanly, etc. However, what shows a strong contrast with global job cutting is that these foreign banks are rapidly expanding their business in China. According to the data of related market,seven foreign banks have opened more than nine new branches in two months after September 17, the day that Lehman Brothers filed for bankruptcy protection. November 17, HSBC issued China UnionPay debt cards in 17 cities of China. At the same time, several new services of foreign banks were supposed to be authorized by CBRC (China Banking Regulatory Commission), including loan corporation of Citibank and credit cards of BEA.

  4. SEED BANKS FOR MAGNETIC FLUX COMPRESSION GENERATORS

    Energy Technology Data Exchange (ETDEWEB)

    Fulkerson, E S

    2008-05-14

    In recent years the Lawrence Livermore National Laboratory (LLNL) has been conducting experiments that require pulsed high currents to be delivered into inductive loads. The loads fall into two categories (1) pulsed high field magnets and (2) the input stage of Magnetic Flux Compression Generators (MFCG). Three capacitor banks of increasing energy storage and controls sophistication have been designed and constructed to drive these loads. One bank was developed for the magnet driving application (20kV {approx} 30kJ maximum stored energy.) Two banks where constructed as MFCG seed banks (12kV {approx} 43kJ and 26kV {approx} 450kJ). This paper will describe the design of each bank including switching, controls, circuit protection and safety.

  5. Target loads of atmospheric sulfur deposition for the protection and recovery of acid-sensitive streams in the Southern Blue Ridge Province

    Science.gov (United States)

    Timothy Sullivan; Bernard Cosby; William Jackson

    2011-01-01

    An important tool in the evaluation of acidification damage to aquatic and terrestrial ecosystems is the critical load (CL), which represents the steady-state level of acidic deposition below which ecological damage would not be expected to occur, according to current scientific understanding. A deposition load intended to be protective of a specified resource...

  6. Watershed impervious cover relative to stream location

    Data.gov (United States)

    U.S. Environmental Protection Agency — Estimates of watershed (12-digit huc) impervious cover and impervious cover near streams and water body shorelines for three dates (2001, 2006, 2011) using NLCD...

  7. Global perspectives on the urban stream syndrome

    Science.gov (United States)

    Roy, Allison; Booth, Derek B.; Capps, Krista A.; Smith, Benjamin

    2016-01-01

    Urban streams commonly express degraded physical, chemical, and biological conditions that have been collectively termed the “urban stream syndrome”. The description of the syndrome highlights the broad similarities among these streams relative to their less-impaired counterparts. Awareness of these commonalities has fostered rapid improvements in the management of urban stormwater for the protection of downstream watercourses, but the focus on the similarities among urban streams has obscured meaningful differences among them. Key drivers of stream responses to urbanization can vary greatly among climatological and physiographic regions of the globe, and the differences can be manifested in individual stream channels even through the homogenizing veneer of urban development. We provide examples of differences in natural hydrologic and geologic settings (within similar regions) that can result in different mechanisms of stream ecosystem response to urbanization and, as such, should lead to different management approaches. The idea that all urban streams can be cured using the same treatment is simplistic, but overemphasizing the tremendous differences among natural (or human-altered) systems also can paralyze management. Thoughtful integration of work that recognizes the commonalities of the urban stream syndrome across the globe has benefitted urban stream management. Now we call for a more nuanced understanding of the regional, subregional, and local attributes of any given urban stream and its watershed to advance the physical, chemical, and ecological recovery of these systems.

  8. Particulate hot gas stream cleanup technical issues

    Energy Technology Data Exchange (ETDEWEB)

    Pontius, D.H.; Snyder, T.R.

    1999-09-30

    The analyses of hot gas stream cleanup particulate samples and descriptions of filter performance studied under this contract were designed to address problems with filter operation that have been linked to characteristics of the collected particulate matter. One objective of this work was to generate an interactive, computerized data bank of the key physical and chemical characteristics of ash and char collected from operating advanced particle filters and to relate these characteristics to the operation and performance of these filters. The interactive data bank summarizes analyses of over 160 ash and char samples from fifteen pressurized fluidized-bed combustion and gasification facilities utilizing high-temperature, high pressure barrier filters.

  9. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  10. PERLINDUNGAN HUKUM TERHADAP KEPENTINGAN PARA PIHAK DI DALAM MERGER BANK

    Directory of Open Access Journals (Sweden)

    Dani Amran Hakim

    2016-04-01

    Full Text Available The legal protection of interests of the parties in the merger of banks, which is formulated into the problem as follows a Is the legal basis for bank mergers? b How is the legal protection of the parties in a bank merger? Merger is one of the company's development and growth. Merger is also one other alternative for capital investment through internal and organic growth. In banking mergers regulated in Law Number 10 of 1998. In the implementation of the merger must also consider the interests of the parties, namely, 1 the interests of the shareholders, 2 the interests of the depositors, 3 the interest of the bank employees, and 4 the interests of officials. Keywords: Protection Law, the Parties, Bank Merger 

  11. 12 CFR 568.5 - Protection of customer information.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of customer information. 568.5 Section 568.5 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SECURITY PROCEDURES § 568.5 Protection of customer information. Savings associations and their subsidiaries (except...

  12. A Preliminary Study for Safety Shutter design to Protect Streaming of Residual Radiation Passing through Beamline in Pre-Separator Room of ISOL

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Jong Woo; Kim, Do Hyun; Kim, Song Hyun; Shin, Chang Ho; Nam, Shin Woo [KAERI, Daejeon (Korea, Republic of)

    2016-05-15

    RAON is a heavy ion accelerator under construction by the Institute for Basic Science (IBS) in Korea. As one part of the RAON accelerator, ISOL is a facility to generate and separate rare isotopes for various experiments. In ISOL facility, isotopes generated from the reaction between 70 MeV proton beam and UC{sub 2} target are transferred to pre-separator room. Almost all isotopes accumulated in slit of pre-separator except specific isobars, which are set for experiments. Residual radiations are generated from accumulated isotopes because these isotopes are unstable. Streaming of residual radiation by the beamline is weak point for radiation shielding design. In this study, safety shutter was designed. Residual radiation generated from accumulated isotopes at slit of pre-separator was estimated using following conditions: (1) the isotopes generated by proton-target reactions are accumulated at slit with 10 % accumulation rate; (2) it was assumed that the radioactive isotopes are uniformly distributed in the cylindrical slit which have 1 cm height and 15 diameter. To design optimized safety shutter, following steps were performed: (1) thickness and diameter of the bulk shield material were evaluated to optimize safety shutter material; (2) additional shielding structure was proposed using dose contribution of each additional shielding wall.

  13. 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

  14. The Northeast Stream Quality Assessment

    Science.gov (United States)

    Van Metre, Peter C.; Riva-Murray, Karen; Coles, James F.

    2016-04-22

    In 2016, the U.S. Geological Survey (USGS) National Water-Quality Assessment (NAWQA) is assessing stream quality in the northeastern United States. The goal of the Northeast Stream Quality Assessment (NESQA) is to assess the quality of streams in the region by characterizing multiple water-quality factors that are stressors to aquatic life and evaluating the relation between these stressors and biological communities. The focus of NESQA in 2016 will be on the effects of urbanization and agriculture on stream quality in all or parts of eight states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont.Findings will provide the public and policymakers with information about the most critical factors affecting stream quality, thus providing insights about possible approaches to protect the health of streams in the region. The NESQA study will be the fourth regional study conducted as part of NAWQA and will be of similar design and scope to the first three, in the Midwest in 2013, the Southeast in 2014, and the Pacific Northwest in 2015 (http://txpub.usgs.gov/RSQA/).

  15. 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.

  16. Coral reefs and the World Bank.

    Science.gov (United States)

    Hatziolos, M

    1997-01-01

    The World Bank¿s involvement in coral reef conservation is part of a larger effort to promote the sound management of coastal and marine resources. This involves three major thrusts: partnerships, investments, networks and knowledge. As an initial partner and early supporter of the International Coral Reef Initiative (ICRI), the Bank serves as the executive planning committee of ICRI. In partnership with the World Conservation Union and the Great Barrier Reef Marine Park Authority, the Bank promotes the efforts towards the establishment and maintenance of a globally representative system of marine protected areas. In addition, the Bank invested over $120 million in coral reef rehabilitation and protection programs in several countries. Furthermore, the Bank developed a ¿Knowledge Bank¿ that would market ideas and knowledge to its clients along with investment projects. This aimed to put the best global knowledge on environmentally sustainable development in the hands of its staff and clients. During the celebration of 1997, as the International Year of the Reef, the Bank planned to cosponsor an associated event that would highlight the significance of coral reefs and encourage immediate action to halt their degradation to conserve this unique ecosystem.

  17. LIQUIDITY MANAGING A CURRENT JOB OF BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    MEDAR LUCIAN-ION

    2014-02-01

    Full Text Available A credit institution liquidity managing, concerns on currency flows and operative funding needs, for customer satisfaction. Correlating bank liabilities and assets reflects the overall picture of the liquidity situation. The purpose of an efficient management of bank liquidity is to ensure the normal course of banking intermediation, to protect the interests of customers on one side and of the shareholders on the other side. Through an efficient bank liquidity management, are ensured reserve requirements and especially reasonable banking capacity of deposits reimbursement to customers, correlated with period in which they are or there are not returned to the credit institution, investments in the loans and other assets.

  18. Maximizing the phylogenetic diversity of seed banks.

    Science.gov (United States)

    Griffiths, Kate E; Balding, Sharon T; Dickie, John B; Lewis, Gwilym P; Pearce, Tim R; Grenyer, Richard

    2015-04-01

    Ex situ conservation efforts such as those of zoos, botanical gardens, and seed banks will form a vital complement to in situ conservation actions over the coming decades. It is therefore necessary to pay the same attention to the biological diversity represented in ex situ conservation facilities as is often paid to protected-area networks. Building the phylogenetic diversity of ex situ collections will strengthen our capacity to respond to biodiversity loss. Since 2000, the Millennium Seed Bank Partnership has banked seed from 14% of the world's plant species. We assessed the taxonomic, geographic, and phylogenetic diversity of the Millennium Seed Bank collection of legumes (Leguminosae). We compared the collection with all known legume genera, their known geographic range (at country and regional levels), and a genus-level phylogeny of the legume family constructed for this study. Over half the phylogenetic diversity of legumes at the genus level was represented in the Millennium Seed Bank. However, pragmatic prioritization of species of economic importance and endangerment has led to the banking of a less-than-optimal phylogenetic diversity and prioritization of range-restricted species risks an underdispersed collection. The current state of the phylogenetic diversity of legumes in the Millennium Seed Bank could be substantially improved through the strategic banking of relatively few additional taxa. Our method draws on tools that are widely applied to in situ conservation planning, and it can be used to evaluate and improve the phylogenetic diversity of ex situ collections. © 2014 Society for Conservation Biology.

  19. Dynamics of physicochemical parameter concentrations in the Graniczna Woda stream water

    Directory of Open Access Journals (Sweden)

    Żarnowiec Wioletta

    2017-12-01

    Full Text Available The paper presents variability of physicochemical parameter concentrations and determined the potential and chemical status of water in the Graniczna Woda stream, the right bank tributary to the Stoła River. The stream catchment area of 41.5 km2 is covered mainly by forests. A lowland stream flows through part of the Upper Silesia Industrial Region through three districts. A biological-mechanical municipal sewage treatment plant operates in the area of Miasteczko Śląskie, as well as a factory sewage treatment plant of Zinc Plant. The data base used in the papers consisted of the results obtained from the Provincial Inspectorate of the Environmental Protection in Katowice, monthly analyses of water samples collected in the years 2009–2013 in the control-measurement points located by the mouth of the Stoła River. 34 physicochemical indices were analyzed in the paper. Statistically significant upward trends were determined over the period of investigations for values of electrical conductivity (EC, total suspended solids, Cl, SO4, NO2-N and Zn in the stream water. Statistically significant downward trend was noted for total hardness. It was stated that both the potential and chemical status o the stream water were below good. Exceeded limit values for quality class II determined for oxygen and organic indices (chemical oxygen demand COD-Mn, total organic carbon TOC, salinity (EC, SO4, Cl, Ca, hardness and biogenic indices and substances particularly harmful for aquatic environment (Zn, Tl as well as exceeded allowable heavy metal concentrations may evidence a constant inflow of heavy metals to the aquatic environment of the Graniczna Woda stream from municipal and industrial sewage.

  20. 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

  1. The Pacific northwest stream quality assessment

    Science.gov (United States)

    Van Metre, Peter C.; Morace, Jennifer L.; Sheibley, Rich W.

    2015-01-01

    In 2015, the U.S. Geological Survey (USGS) National Water-Quality Assessment (NAWQA) program is assessing stream quality in the Pacific Northwest. The goals of the Pacific Northwest Stream Quality Assessment (Pacific Northwest study) are to assess the quality of streams in the region by characterizing multiple water-quality factors that are stressors to aquatic life and to evaluate the relation between these stressors and biological communities. The effects of urbanization and agriculture on stream quality for the Puget Lowlands and Willamette Valley are the focus of this regional study. Findings will provide the public and policymakers with information regarding which human and environmental factors are the most critical in affecting stream quality and, thus, provide insights about possible approaches to protect or improve the health of streams in the region.

  2. Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

    OpenAIRE

    Nuryati; Gendis Gumilar, Amethysa

    2011-01-01

    This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

  3. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

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

    2017-01-01

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

  4. 40 CFR 63.1408 - Aggregate batch vent stream provisions.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 11 2010-07-01 2010-07-01 true Aggregate batch vent stream provisions... § 63.1408 Aggregate batch vent stream provisions. (a) Emission standards. Owners or operators of aggregate batch vent streams at a new or existing affected source shall comply with either paragraph (a)(1...

  5. 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....

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. Antisipasi Pelarian Dana Asing ke Luar Negeri Melalui Perlindungan Kontraktual Pembukaan Rahasia Bank

    Directory of Open Access Journals (Sweden)

    Tarsisius Murwaji

    2015-08-01

    invest in other countries’ bank. The creditors, and even Indonesian’s banks costumers, have potential to transfer their money to the banks outside Indonesia. As a result, the fund stored in Indonesian Banks such as saving, deposit, or bond might runagate to the banks in other ASEAN countries. Big investors who think that they lack legal protection will prefer to put their investments in escrow account in banks outside Indonesia, while the position of the Bank of Indonesia’s will only be as executor or project payer. Thus, the Directorate General of Regulation, the Bank of Indonesia, and Indonesia’s Financial Service Authority must take quick action for the harmonization of bank secrecy unveiling regulation to anticipate the realization of AEC. This harmonization should not amend the nature of the bank secrecy regulation from criminal to civil law, but through contractual protection under Bank of Indonesia regulation to redesign the mechanism of bank secrecy unveiling.

  11. 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...

  12. 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...

  13. 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 ...

  14. 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...

  15. 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.

  16. 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.

  17. 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.)

  18. 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

  19. 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…

  20. 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

  1. 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

  2. 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

  3. 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…

  4. Vegetated Riprap Installation Techniques for Steambank Protection, Fish and Wildlife Habitat Creation

    Science.gov (United States)

    Raymond, Pierre

    2014-05-01

    Vegetated riprap is a cost effective alternative to conventional riprap erosion protection. Terra Erosion Control has experimented with the vegetation of riprap over the past ten years. As a result we have adapted a technique that can successfully establish vegetation during the installation of riprap structures. This presentation will demonstrate innovative ways of installing vegetated riprap for the protection of access roads on industrial sites and urban infrastructure such as storm water outfalls, bridge approaches and pedestrian pathways within public areas. This vegetation will provide additional bank protection, soften the rock appearance and enhance fish, wildlife and urban habitat along the shoreline. Vegetated riprap incorporates a combination of rock and native vegetation in the form of live cuttings. These are planted in conjunction with the placement of rock used to armour the banks of watercourses. Establishment of native vegetation will improve fish habitat by creating shade, cover and an input of small organic debris to stream banks. In most cases it will negate the need for the regulator (Canadian Department of Fisheries and Oceans) to require habitat alteration compensation. It will also provide added bank protection through the development of root mass. Adding vegetation to riprap provides a softer, more natural appearance to the installed rocks. This presentation will detail the processes involved in the installation of vegetated riprap such as the harvesting and soaking of live material, site preparation of the stream bank, placement of riprap in conjunction with live material and the use of burlap/coir fabric and soil amendments. It will also discuss the innovative method of using wooden boards to protect live cuttings during construction and to direct precipitation and/or irrigation water to the root zone during the establishment phase of the vegetation. These boards will eventually biodegrade within the rock. This approach was applied over

  5. Stream and floodplain restoration in a riparian ecosystem disturbed by placer mining

    Science.gov (United States)

    Karle, Kenneth F.; Densmore, Roseann V.

    1994-01-01

    Techniques for the hydrologic restoration of placer-mined streams and floodplains were developed in Denali National Park and Preserve Alaska, USA. The hydrologic study focused on a design of stream and floodplain geometry using hydraulic capacity and shear stress equations. Slope and sinuosity values were based on regional relationships. Design requirements include a channel capacity for a 1.5-year (bankfull) discharge and a floodplain capacity for a 1.5- to 100-year discharge. Concern for potential damage to the project from annual flooding before natural revegetation occurs led to development of alder (Alnus crispa) brush bars to dissipate floodwater energy and encourage sediment deposition. The brush bars, constructed of alder bundles tied together and anchored laterally adjacent to the channel, were installed on the floodplain in several configurations to test their effectiveness. A moderate flood near the end of the two-year construction phase of the project provided data on channel design, stability, floodplain erosion, and brush bar effectiveness. The brush bars provided substantial protection, but unconsolidated bank material and a lack of bed armour for a new channel segment led to some bank erosion, slope changes and an increase in sinuosity in several reaches of the study area.

  6. DARC PLURIDATA system: the /sup 13/C-N. M. R. data bank

    Energy Technology Data Exchange (ETDEWEB)

    Dubois, J E; Bonnet, J C [Paris-7 Univ., 75 (France)

    1979-09-15

    The capabilities of the DARC system are discussed and illustrated by the storage and retrieval functions of the /sup 13/C-N.M.R. data bank of the DARC PLURIDATA system. The data covered by the bank, as well as the input stream to the bank and validation of the spectra, are described. Particular stress is laid on the DARC structural retrieval system, which illustrates the interactive interrogration of a chemical bank by means of the structural diagram of a molecule, i.e. the universal language in chemistry. The potential of the /sup 13/C-N.M.R. data bank in computer-aided structural elucidation is outlined.

  7. Is the Stream Always Bluer on the Other Side?

    Science.gov (United States)

    Jenkins, T.; Chase, Z.

    2017-12-01

    Examining water quality, fish species present, habitat quality, and sources of pollution are important to better understanding the health of a stream. In Florida, the Fish and Wildlife Conservation Commission (FWC) works to monitor the health of its streams, and partnerships with . By collecting, analyzing, and comparing fish abundance data from a couple of streams in Escambia County, Florida, we can help FWC determine how to best support and protect stream habitats and fish-species in our Florida community.

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

    Science.gov (United States)

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

    2017-10-01

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

  9. Toward Design Guidelines for Stream Restoration Structures: Measuring and Modeling Unsteady Turbulent Flows in Natural Streams with Complex Hydraulic Structures

    Science.gov (United States)

    Lightbody, A.; Sotiropoulos, F.; Kang, S.; Diplas, P.

    2009-12-01

    Despite their widespread application to prevent lateral river migration, stabilize banks, and promote aquatic habitat, shallow transverse flow training structures such as rock vanes and stream barbs lack quantitative design guidelines. Due to the lack of fundamental knowledge about the interaction of the flow field with the sediment bed, existing engineering standards are typically based on various subjective criteria or on cross-sectionally-averaged shear stresses rather than local values. Here, we examine the performance and stability of in-stream structures within a field-scale single-threaded sand-bed meandering stream channel in the newly developed Outdoor StreamLab (OSL) at the St. Anthony Falls Laboratory (SAFL). Before and after the installation of a rock vane along the outer bank of the middle meander bend, high-resolution topography data were obtained for the entire 50-m-long reach at 1-cm spatial scale in the horizontal and sub-millimeter spatial scale in the vertical. In addition, detailed measurements of flow and turbulence were obtained using acoustic Doppler velocimetry at twelve cross-sections focused on the vicinity of the structure. Measurements were repeated at a range of extreme events, including in-bank flows with an approximate flow rate of 44 L/s (1.4 cfs) and bankfull floods with an approximate flow rate of 280 L/s (10 cfs). Under both flow rates, the structure reduced near-bank shear stresses and resulted in both a deeper thalweg and near-bank aggradation. The resulting comprehensive dataset has been used to validate a large eddy simulation carried out by SAFL’s computational fluid dynamics model, the Virtual StreamLab (VSL). This versatile computational framework is able to efficiently simulate 3D unsteady turbulent flows in natural streams with complex in-stream structures and as a result holds promise for the development of much-needed quantitative design guidelines.

  10. 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

  11. 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.

  12. National Aquatic Resource Surveys (NARS) N/P Values for Streams - Wadeable Streams Assessment

    Data.gov (United States)

    U.S. Environmental Protection Agency — The National Aquatic Resource Survey (NARS) findings for nutrients in streams and lakes highlight that nutrient pollution is widespread across the United States and...

  13. 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.

  14. Causal relationship between CSR and FB in banks

    Directory of Open Access Journals (Sweden)

    Amal Abou Fayad

    2017-12-01

    Full Text Available The present study investigates the impact of corporate social responsibility (CSR on financial performance (FB of Lebanese banks. Based on panel data of seven Lebanese banks, a positive relation between CSR and financial performance have been found. The research findings contribute to understand that Lebanese performant banks would adopt volunteer actions that promote social responsibility actions. Moreover, highest profit lead for a better image and legitimacy once the investments are made into human, economic, community development and environmental protection.

  15. The Midwest Stream Quality Assessment—Influences of human activities on streams

    Science.gov (United States)

    Van Metre, Peter C.; Mahler, Barbara J.; Carlisle, Daren M.; Coles, James F.

    2018-04-16

    Healthy streams and the fish and other organisms that live in them contribute to our quality of life. Extensive modification of the landscape in the Midwestern United States, however, has profoundly affected the condition of streams. Row crops and pavement have replaced grasslands and woodlands, streams have been straightened, and wetlands and fields have been drained. Runoff from agricultural and urban land brings sediment and chemicals to streams. What is the chemical, physical, and biological condition of Midwestern streams? Which physical and chemical stressors are adversely affecting biological communities, what are their origins, and how might we lessen or avoid their adverse effects?In 2013, the U.S. Geological Survey (USGS) conducted the Midwest Stream Quality Assessment to evaluate how human activities affect the biological condition of Midwestern streams. In collaboration with the U.S. Environmental Protection Agency National Rivers and Streams Assessment, the USGS sampled 100 streams, chosen to be representative of the different types of watersheds in the region. Biological condition was evaluated based on the number and diversity of fish, algae, and invertebrates in the streams. Changes to the physical habitat and chemical characteristics of the streams—“stressors”—were assessed, and their relation to landscape factors and biological condition was explored by using mathematical models. The data and models help us to better understand how the human activities on the landscape are affecting streams in the region.

  16. Stream remediation following a gasoline spill

    International Nuclear Information System (INIS)

    Owens, E.H.; Reiter, G.A.; Challenger, G.

    2000-01-01

    On June 10, 1999, a pipe ruptured on the Olympic Pipe Line causing the release, explosion and fire of up to one million litres of gasoline in Bellingham, Washington. It affected approximately 5 km of the Whatcom Creek ecosystem. Following the incident, several concurrent activities in the source area and downstream occurred. This paper discussed the remediation of the affected stream bed sections. During the period July 6 - August 16, an interagency project was implemented. It involved mechanical, manual, and hydraulic in-situ treatment techniques to remove the gasoline from the stream bed and the banks. In addition, a series of controlled, hydraulic flushes were conducted. The sluice or control gates at the head of the Whatcom Creek were opened each night, and bigger flushes took place before and after the treatments. Simultaneously, water and sediment were sampled and analysed. The data obtained provided information on the state of the initial stream water and stream sediment and on the effects that the remediation had had. The residual gasoline was successfully removed from the sediments and river banks in six weeks. No downstream movement of the released gasoline towards Bellingham was detected. 3 refs., 2 tabs., 11 figs

  17. 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...

  18. 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.

  19. Impact of stream restoration on flood waves

    Science.gov (United States)

    Sholtes, J.; Doyle, M.

    2008-12-01

    Restoration of channelized or incised streams has the potential to reduce downstream flooding via storing and dissipating the energy of flood waves. Restoration design elements such as restoring meanders, reducing slope, restoring floodplain connectivity, re-introducing in-channel woody debris, and re-vegetating banks and the floodplain have the capacity to attenuate flood waves via energy dissipation and channel and floodplain storage. Flood discharge hydrographs measured up and downstream of several restored reaches of varying stream order and located in both urban and rural catchments are coupled with direct measurements of stream roughness at various stages to directly measure changes to peak discharge, flood wave celerity, and dispersion. A one-dimensional unsteady flow routing model, HEC-RAS, is calibrated and used to compare attenuation characteristics between pre and post restoration conditions. Modeled sensitivity results indicate that a restoration project placed on a smaller order stream demonstrates the highest relative reduction in peak discharge of routed flood waves compared to one of equal length on a higher order stream. Reductions in bed slope, extensions in channel length, and increases in channel and floodplain roughness follow restoration placement with the watershed in relative importance. By better understanding how design, scale, and location of restored reaches within a catchment hydraulically impact flood flows, this study contributes both to restoration design and site decision making. It also quantifies the effect of reach scale stream restoration on flood wave attenuation.

  20. Pengelolaan Bank Sampah di Kota Probolinggo

    Directory of Open Access Journals (Sweden)

    Prisa Ambar Shentika

    2016-03-01

    Full Text Available A programme of reducing garbage leads the community, government, and corporate field to attentively limit the trash heap, recycling, and reusing garbage through the efficient and well-regulated efforts commonly called 3R Reduce, Reuse, Recycle. Probolinggo is the town in which developing regulate a policy of management garbage with Waste Bank by 3R concepts. This research aims to find out the management and role of Waste Bank in Probolinggo. It is conducted by using qualitative descriptive research method. Data collection is obtained by using direct observation and interview to resource. The result shows that 3R concepts used by waste bank in Probolinggo is carried out fairly well in working along with society particularly in sorting the garbage. Therefore, aware of environmental issues is not on government but society will cooperatively in role to protect environment. Waste bank is economically good for society beside environmentally worthwhile.

  1. Lower Red River Meadow Stream Restoration Project

    International Nuclear Information System (INIS)

    1996-05-01

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

  2. 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

  3. Bank Risk-taking, Country Financial Capacity and Bank Bailouts in Crisis Periods

    DEFF Research Database (Denmark)

    Schiozer, Rafael Felipe; Vilarins, Ramon S.; Mourad, Frederico A.

    , in normal times, rescue guarantees to large financial institutions distort competition in the sector and increase the risk of the unprotected institutions. Moreover, unprotected banks decrease their risk exposures faster than protected banks after the eruption of the 2007-2008 crisis, particularly......This paper analyzes the impact of government bailout policies on the risk of the banking sector in OECD countries between 2005 and 2013. Consistent with previous literature, we verify that financial institutions with high bailout expectations assume higher risks than others do. We also find that...

  4. 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...

  5. Fishing activities on the Dogger Bank 2006-2011

    NARCIS (Netherlands)

    Bartelings, H.; Hamon, K.G.; Oostenbrugge, van J.A.E.

    2013-01-01

    In 2008, the Minister of Agriculture, Nature and Food Quality notified four proposed Sites of Community In-terest (pSCIs) to the European Commission (for protection as Special Conservation Areas (SCAs) under the Habitats Directive). These areas are the Dogger Bank, Cleaver Bank, the Coastal Zone and

  6. 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.)

  7. 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.

  8. 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.

  9. 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.

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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.

  15. 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...

  16. 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...

  17. 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...

  18. 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....

  19. 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...

  20. 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

  1. Prioritized Contact Transport Stream

    Science.gov (United States)

    Hunt, Walter Lee, Jr. (Inventor)

    2015-01-01

    A detection process, contact recognition process, classification process, and identification process are applied to raw sensor data to produce an identified contact record set containing one or more identified contact records. A prioritization process is applied to the identified contact record set to assign a contact priority to each contact record in the identified contact record set. Data are removed from the contact records in the identified contact record set based on the contact priorities assigned to those contact records. A first contact stream is produced from the resulting contact records. The first contact stream is streamed in a contact transport stream. The contact transport stream may include and stream additional contact streams. The contact transport stream may be varied dynamically over time based on parameters such as available bandwidth, contact priority, presence/absence of contacts, system state, and configuration parameters.

  2. Food Banks, United States, 2015, EPA Region 9

    Data.gov (United States)

    U.S. Environmental Protection Agency — This GIS dataset contains point features that represent facilities that recover wasted food to feed people across theUS. Food bank information was collected in 2015...

  3. History, physical effects, and management implications of large organic debris in western Oregon streams.

    Science.gov (United States)

    Frederick Swanson; George W. Lienkaemper; James R. Sedell

    1976-01-01

    Large organic debris has historically been an important element in small mountain streams of the Pacific Northwest. The debris serves to slow the movement of water and inorganic and fine organic matter through the channel. Debris may remain in the channel for decades or longer, and tends to stabilize some sections of a streambed and stream banks while destabilizing...

  4. Base flow-driven shifts in tropical stream temperature regimes across a mean annual rainfall gradient

    Science.gov (United States)

    Ayron M. Strauch; Richard A. MacKenzie; Ralph W. Tingley

    2017-01-01

    Climate change is expected to affect air temperature and watershed hydrology, but the degree to which these concurrent changes affect stream temperature is not well documented in the tropics. How stream temperature varies over time under changing hydrologic conditions is difficult to isolate from seasonal changes in air temperature. Groundwater and bank storage...

  5. Rehabilitating agricultural streams in Australia with wood: a review.

    Science.gov (United States)

    Lester, Rebecca E; Boulton, Andrew J

    2008-08-01

    Worldwide, the ecological condition of streams and rivers has been impaired by agricultural practices such as broadscale modification of catchments, high nutrient and sediment inputs, loss of riparian vegetation, and altered hydrology. Typical responses include channel incision, excessive sedimentation, declining water quality, and loss of in-stream habitat complexity and biodiversity. We review these impacts, focusing on the potential benefits and limitations of wood reintroduction as a transitional rehabilitation technique in these agricultural landscapes using Australian examples. In streams, wood plays key roles in shaping velocity and sedimentation profiles, forming pools, and strengthening banks. In the simplified channels typical of many agricultural streams, wood provides habitat for fauna, substrate for biofilms, and refuge from predators and flow extremes, and enhances in-stream diversity of fish and macroinvertebrates.Most previous restoration studies involving wood reintroduction have been in forested landscapes, but some results might be extrapolated to agricultural streams. In these studies, wood enhanced diversity of fish and macroinvertebrates, increased storage of organic material and sediment, and improved bed and bank stability. Failure to meet restoration objectives appeared most likely where channel incision was severe and in highly degraded environments. Methods for wood reintroduction have logistical advantages over many other restoration techniques, being relatively low cost and low maintenance. Wood reintroduction is a viable transitional restoration technique for agricultural landscapes likely to rapidly improve stream condition if sources of colonists are viable and water quality is suitable.

  6. Productivity of Stream Definitions

    NARCIS (Netherlands)

    Endrullis, Jörg; Grabmayer, Clemens; Hendriks, Dimitri; Isihara, Ariya; Klop, Jan

    2007-01-01

    We give an algorithm for deciding productivity of a large and natural class of recursive stream definitions. A stream definition is called ‘productive’ if it can be evaluated continuously in such a way that a uniquely determined stream is obtained as the limit. Whereas productivity is undecidable

  7. Productivity of stream definitions

    NARCIS (Netherlands)

    Endrullis, J.; Grabmayer, C.A.; Hendriks, D.; Isihara, A.; Klop, J.W.

    2008-01-01

    We give an algorithm for deciding productivity of a large and natural class of recursive stream definitions. A stream definition is called ‘productive’ if it can be evaluated continually in such a way that a uniquely determined stream in constructor normal form is obtained as the limit. Whereas

  8. 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...

  9. 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-...

  10. 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.

  11. 78 FR 29091 - Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC

    Science.gov (United States)

    2013-05-17

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

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

    NARCIS (Netherlands)

    Donnelly, Shawn

    2017-01-01

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

  13. 40 CFR 86.1817-05 - Complete heavy-duty vehicle averaging, trading, and banking program.

    Science.gov (United States)

    2010-07-01

    ..., trading, and banking program. 86.1817-05 Section 86.1817-05 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. (a) General. (1) Complete heavy-duty vehicles eligible for the NOX averaging, trading and banking program are described in the applicable...

  14. 40 CFR 86.1817-08 - Complete heavy-duty vehicle averaging, trading, and banking program.

    Science.gov (United States)

    2010-07-01

    ..., trading, and banking program. 86.1817-08 Section 86.1817-08 Protection of Environment ENVIRONMENTAL... Complete heavy-duty vehicle averaging, trading, and banking program. Section 86.1817-08 includes text that.... (1) Manufacturers of Otto-cycle vehicles may participate in an NMHC averaging, banking and trading...

  15. Observations of the Magellanic Stream between declinations -200 and 00

    International Nuclear Information System (INIS)

    Cohen, R.J.

    1982-01-01

    The region of the Magellanic Stream between RA 23sup(h) 00sup(m) and 00sup(h) 20sup(m) and Dec - 20 0 and 0 0 (1950) has been mapped in the 21-cm line of neutral hydrogen using the Jodrell Bank Mk II telescope (beamwidth 31 x 34 arcmin 2 ). The detection level of the measurements is 0.1 K. The Stream is much more extensive in this part of the sky than hitherto realized, and has a very complex filamentary structure. All the filaments follow a regular velocity pattern. In addition to the known gradient of velocity along the Stream there is a gradient transverse to the Stream. In this and other respects the Stream is very similar to tidal bridges and tails seen in the nearby M81 group of galaxies. (author)

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

    Directory of Open Access Journals (Sweden)

    Baha Oksana

    2016-04-01

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

  9. 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. Investigating methods of stream planform identification

    Science.gov (United States)

    Lohberg, M. M.; Lusk, K.; Miller, D.; Stonedahl, F.; Stonedahl, S. H.

    2013-12-01

    Stream planforms are used to map scientific measurements, estimate volumetric discharge, and model stream flow. Changes in these planforms can be used to quantify erosion and water level fluctuations. This research investigated five cost-effective methods of identifying stream planforms: (1) consumer-grade digital camera GPS (2) multi-view stereo 3D scene reconstruction (using Microsoft Photosynth (TM)) (3) a cross-sectional measurement approach (4) a triangulation-based measurement approach and (5) the 'square method' - a novel photogrammetric procedure which involved floating a large wooden square in the stream, photographing the square and banks from numerous angles and then using the square to correct for perspective and extract the outline (using custom post-processing software). Data for each of the five methods was collected at Blackhawk Creek in Davenport, Iowa. Additionally we placed 30 control points near the banks of the stream and measured 88 lengths between these control points. We measured or calculated the locations of these control points with each of our five methods and calculated the average percent error associated with each method using the predicted control point locations. The effectiveness of each method was evaluated in terms of accuracy, affordability, environmental intrusiveness, and ease of use. The camera equipped with GPS proved to be a very ineffective method due to an extremely high level of error, 289%. The 3D point cloud extracted from Photosynth was missing markers for many of the control points, so the error calculation (which yielded 11.7%) could only be based on five of the 88 lengths and is thus highly uncertain. The two non-camera methods (cross-sectional and triangulation measurements) resulted in low percent error (2.04% and 1.31% respectively) relative to the control point lengths, but these methods were very time consuming, exhausting, and only provided low resolution outlines. High resolution data collection would

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

    Science.gov (United States)

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

    2010-01-01

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

  16. The significance of small streams

    Science.gov (United States)

    Wohl, Ellen

    2017-09-01

    Headwaters, defined here as first- and secondorder streams, make up 70%‒80% of the total channel length of river networks. These small streams exert a critical influence on downstream portions of the river network by: retaining or transmitting sediment and nutrients; providing habitat and refuge for diverse aquatic and riparian organisms; creating migration corridors; and governing connectivity at the watershed-scale. The upstream-most extent of the channel network and the longitudinal continuity and lateral extent of headwaters can be difficult to delineate, however, and people are less likely to recognize the importance of headwaters relative to other portions of a river network. Consequently, headwaters commonly lack the legal protections accorded to other portions of a river network and are more likely to be significantly altered or completely obliterated by land use.

  17. A review of human milk banking and public health policy in Australia.

    Science.gov (United States)

    Lording, Roslyn J

    2006-11-01

    Breastmilk is the perfect food for human infants. It is markedly different from, and uniquely superior to, artificial baby milk. Human milk banks are services which collect, screen, process and distribute donated breastmilk. Recipients are generally ill and premature infants whose mothers are unable to breastfeed them. This review of human milk banking in Australian public health policy draws from local and international research. This history of human milk banking and contemporary Australian policies, pertaining to breastfeeding and milk banking, are examined. Human milk banking is noted to be largely invisible from national breastfeeding policies. The barriers to establishing human milk banks in the Australian context are explored. Strategies which have helped generate support for human milk banking are discussed. International research has demonstrated the cost-effectiveness of banked donor milk. It is time for human milk banking to become an integral component of Australian breastfeeding policies, viewed as one of several initiatives to protect and support breastfeeding.

  18. Benthic invertebrate fauna, small streams

    Science.gov (United States)

    J. Bruce Wallace; S.L. Eggert

    2009-01-01

    Small streams (first- through third-order streams) make up >98% of the total number of stream segments and >86% of stream length in many drainage networks. Small streams occur over a wide array of climates, geology, and biomes, which influence temperature, hydrologic regimes, water chemistry, light, substrate, stream permanence, a basin's terrestrial plant...

  19. The Value of the “Too Big to Fail” Big Bank Subsidy

    OpenAIRE

    Dean Baker; Travis McArthur

    2009-01-01

    One outcome of the TARP and other bank rescue efforts following the collapse of Lehman Brothers in September of 2008 is that the United States has essentially formalized a commitment to a “too big to fail” (TBTF) policy for major banks. This paper uses data from the FDIC on the relative cost of funds for TBTF banks and other banks, before and after the crisis, to quantify the value of the government protection provided by the TBTF policy.

  20. The Morphology of Streams Restored for Market and Nonmarket Purposes: Insights From a Mixed Natural-Social Science Approach

    Science.gov (United States)

    Singh, J.; Doyle, M.; Lave, R.; Robertson, M.

    2015-12-01

    Stream restoration is increasingly driven by compensatory mitigation; impacts to streams associated with typical land development activities must be offset via restoration of streams elsewhere. This policy creates an environment where restored stream 'credits' are traded under market-like conditions, comparable to wetland mitigation, carbon offsets, or endangered species habitat banking. The effect of mitigation on restoration design and construction is unknown. We use geomorphic surveys to quantify the differences between restored and nonrestored streams, and the difference between streams restored for market purposes (compensatory mitigation) from those restored for nonmarket programs. Physical study sites are located in the state of North Carolina, USA. We also analyze the social and political-economic drivers of the stream restoration and mitigation industry using analysis of policy documents and interviews with key personnel including regulators, mitigation bankers, stream designers, and scientists. Restored streams are typically wider, shallower and geomorphically more homogeneous than nonrestored streams. For example, nonrestored streams are typically characterized by more than an order of magnitude variability in radius of curvature and meander wavelength within a single study reach. By contrast, the radius of curvature in many restored streams does not vary for nearly the entire project reach. Streams restored for the mitigation market are typically headwater streams and part of a large, complex of long restored main channels, and many restored tributaries; streams restored for nonmarket purposes are typically shorter and consist of the main channel only. Interviews reveal that social forces shape the morphology of restored streams. Designers integrate many influences including economic and regulatory constraints, but traditions of practice have a large influence as well. Home to a fairly mature stream mitigation banking market, North Carolina can provide

  1. Stream II-V5: Revision Of Stream II-V4 To Account For The Effects Of Rainfall Events

    International Nuclear Information System (INIS)

    Chen, K.

    2010-01-01

    STREAM II-V4 is the aqueous transport module currently used by the Savannah River Site emergency response Weather Information Display (WIND) system. The transport model of the Water Quality Analysis Simulation Program (WASP) was used by STREAM II to perform contaminant transport calculations. WASP5 is a US Environmental Protection Agency (EPA) water quality analysis program that simulates contaminant transport and fate through surface water. STREAM II-V4 predicts peak concentration and peak concentration arrival time at downstream locations for releases from the SRS facilities to the Savannah River. The input flows for STREAM II-V4 are derived from the historical flow records measured by the United States Geological Survey (USGS). The stream flow for STREAM II-V4 is fixed and the flow only varies with the month in which the releases are taking place. Therefore, the effects of flow surge due to a severe storm are not accounted for by STREAM II-V4. STREAM II-V4 has been revised to account for the effects of a storm event. The steps used in this method are: (1) generate rainfall hyetographs as a function of total rainfall in inches (or millimeters) and rainfall duration in hours; (2) generate watershed runoff flow based on the rainfall hyetographs from step 1; (3) calculate the variation of stream segment volume (cross section) as a function of flow from step 2; (4) implement the results from steps 2 and 3 into the STREAM II model. The revised model (STREAM II-V5) will find the proper stream inlet flow based on the total rainfall and rainfall duration as input by the user. STREAM II-V5 adjusts the stream segment volumes (cross sections) based on the stream inlet flow. The rainfall based stream flow and the adjusted stream segment volumes are then used for contaminant transport calculations.

  2. Solar wind stream interfaces

    International Nuclear Information System (INIS)

    Gosling, J.T.; Asbridge, J.R.; Bame, S.J.; Feldman, W.C.

    1978-01-01

    Measurements aboard Imp 6, 7, and 8 reveal that approximately one third of all high-speed solar wind streams observed at 1 AU contain a sharp boundary (of thickness less than approx.4 x 10 4 km) near their leading edge, called a stream interface, which separates plasma of distinctly different properties and origins. Identified as discontinuities across which the density drops abruptly, the proton temperature increases abruptly, and the speed rises, stream interfaces are remarkably similar in character from one stream to the next. A superposed epoch analysis of plasma data has been performed for 23 discontinuous stream interfaces observed during the interval March 1971 through August 1974. Among the results of this analysis are the following: (1) a stream interface separates what was originally thick (i.e., dense) slow gas from what was originally thin (i.e., rare) fast gas; (2) the interface is the site of a discontinuous shear in the solar wind flow in a frame of reference corotating with the sun; (3) stream interfaces occur at speeds less than 450 km s - 1 and close to or at the maximum of the pressure ridge at the leading edges of high-speed streams; (4) a discontinuous rise by approx.40% in electron temperature occurs at the interface; and (5) discontinuous changes (usually rises) in alpha particle abundance and flow speed relative to the protons occur at the interface. Stream interfaces do not generally recur on successive solar rotations, even though the streams in which they are embedded often do. At distances beyond several astronomical units, stream interfaces should be bounded by forward-reverse shock pairs; three of four reverse shocks observed at 1 AU during 1971--1974 were preceded within approx.1 day by stream interfaces. Our observations suggest that many streams close to the sun are bounded on all sides by large radial velocity shears separating rapidly expanding plasma from more slowly expanding plasma

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

    Science.gov (United States)

    2013-05-02

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

  4. 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 ...

  5. 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.

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

    OpenAIRE

    MEDITA, RILDAYANTI

    2014-01-01

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

  7. Secure remote service execution for web media streaming

    OpenAIRE

    Mikityuk, Alexandra

    2017-01-01

    Through continuous advancements in streaming and Web technologies over the past decade, the Web has become a platform for media delivery. Web standards like HTML5 have been designed accordingly, allowing for the delivery of applications, high-quality streaming video, and hooks for interoperable content protection. Efficient video encoding algorithms such as AVC/HEVC and streaming protocols such as MPEG-DASH have served as additional triggers for this evolution. Users now employ...

  8. 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....

  9. 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...

  10. 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)

  11. 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.

  12. 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

  13. Dispersal of plant fragments in small streams

    DEFF Research Database (Denmark)

    Riis, T.; Sand-Jensen, K.

    2006-01-01

    1. Streams are subject to frequent natural and anthropogenic disturbances that cause sediment erosion and loss of submerged vegetation. This loss makes downstream transport and retention of vegetative propagules on the streambed very important for re-establishing vegetation cover. We measured...... with the relative contact between the flowing water and streambed, bank and vegetation. Thus, the retention coefficients were highest (0.02-0.12 m-1) in shallow reaches with a narrow, vegetation-free flow channel. Here there were no significant differences between E. canadensis and R. peltatus. Retention...... coefficients were lowest (0.0005-0.0135 m-1) in deeper reaches with wider vegetation-free flow channels. Retention of E. canadensis was up to 16 times more likely than retention of R. peltatus. 5. Overall, the longitudinal position in the stream system of source populations of species capable of producing...

  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. Inventory of miscellaneous streams

    International Nuclear Information System (INIS)

    Lueck, K.J.

    1995-09-01

    On December 23, 1991, the US Department of Energy, Richland Operations Office (RL) and the Washington State Department of Ecology (Ecology) agreed to adhere to the provisions of the Department of Ecology Consent Order. The Consent Order lists the regulatory milestones for liquid effluent streams at the Hanford Site to comply with the permitting requirements of Washington Administrative Code. The RL provided the US Congress a Plan and Schedule to discontinue disposal of contaminated liquid effluent into the soil column on the Hanford Site. The plan and schedule document contained a strategy for the implementation of alternative treatment and disposal systems. This strategy included prioritizing the streams into two phases. The Phase 1 streams were considered to be higher priority than the Phase 2 streams. The actions recommended for the Phase 1 and 2 streams in the two reports were incorporated in the Hanford Federal Facility Agreement and Consent Order. Miscellaneous Streams are those liquid effluents streams identified within the Consent Order that are discharged to the ground but are not categorized as Phase 1 or Phase 2 Streams. This document consists of an inventory of the liquid effluent streams being discharged into the Hanford soil column

  18. Hydrography - Streams and Shorelines

    Data.gov (United States)

    California Natural Resource Agency — The hydrography layer consists of flowing waters (rivers and streams), standing waters (lakes and ponds), and wetlands -- both natural and manmade. Two separate...

  19. 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.

  20. 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.

  1. Pelaksanaan Hukum Mediasi dalam Penyelesaian Sengketa antara Bank dan Nasabah

    Directory of Open Access Journals (Sweden)

    Iwan Rizky

    2016-04-01

    ABSTRACT. Article 2 of PBI Number 10/1/2008 states that the dispute between Banks and its customers, which is caused by the unfulfilled financial demands by banks in solving the reports of the customers, could be solved through Banking Mediation. However, there is the fact that the settlement of the disputes nominal under the provisions of the PBI as well as the regulation of Bank Mandiri, aiming to provide protection to the rights of customers. This research aims to examine the disputes between the Aceh’s Bank of Mandiri and the customers, the mediation process in the settlement of disputes between the banks and the customer, and the legal force of the mediation process. This is empirical and normative legal research. Despite of de facto, the process of mediation is final by the peace agreement between the parties written in the act binding both parties. The legal force of the document is equal with a final judicial decision, and the decisions cannot be appealed to the appeal or the supreme courts. In conducting the process of banking mediation, the bank is expected to follow the comprehensive provisions of Indonesia Bank Regulation Number 10/1/PBI/2008.

  2. PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Roberto Ercegovac

    2017-09-01

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

  3. An Overview of Corporate Governance Practices of Selected Islamic Banks

    Directory of Open Access Journals (Sweden)

    Zainab Belal

    2016-05-01

    Full Text Available Complying with Corporate Governance (CG standards is not mandatory but with collapse of many financial institutions, compliance with high standards of CG in banking operation has become a necessity. This is due to the fact that many banks and companies worldwide collapsed as a result of poor corporate governance practices such as Bank of Credit and Commerce International (BCCI 1991, Barings Bank 1995, Lehman Brothers 2008, Enron 2001, WorldCom 2001, etc. Therefore, the objective of this paper is to examine and ascertain whether present level of CG standards practiced by Islamic banks is adequate to prevent or safeguard the banks from collapsing. The approach of the study is to evaluate the effectiveness of board and the various board committees utilizing data published in financial statement of the selected banks. The methodology used in this paper is analytical descriptive to reach accurate results and as more appropriate approach with this research. The study finds out that the selected banks comply with CG standards adopted; however such compliance does not mean that the board, the board committees will be constantly reliable. Therefore, instilling the Islamic values such as the concepts of ih}sân, honesty, and accountability is paramount to prevent CG failures and protect/safeguard the banks from collapsing.

  4. Federal Workforce: Attrition Rates at Ex-Im Bank and Similar Agencies

    National Research Council Canada - National Science Library

    Hess, James

    1997-01-01

    .... Financing and protection provided by Ex-Im Bank includes (1) loans to foreign buyers of U.S. exports, (2) loan guarantees to commercial lenders providing repayment protection for loans to foreign buyers...

  5. SEGMENTASI LAYANAN INTERNET BANKING

    Directory of Open Access Journals (Sweden)

    Ellen Theresia Sihotang

    2017-04-01

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

  6. World bank and the environment. Progress report

    International Nuclear Information System (INIS)

    1991-01-01

    The second annual report describes specific environmental strategies and environmental lending in the Bank's four operational regions: Africa; Asia; Europe, Middle East, and North Africa; and Latin America and the Caribbean. It details the Bank's progress in eight environmental categories: energy and the environment, pollution, urban environment, water resources management, forest and land management, social and cultural, environmental economics, and the global environment. One chapter is devoted exclusively to tropical forests, studying ways in which the Bank is dealing with deforestation as a part of the constant review of its forest policies. Suggestions are made for decreasing the degradation of tropical forests while meeting demands for forest products. This chapter reflects a shift in Bank emphasis from commercial ventures to conservation measures. The publication reports on other initiatives by the Bank during fiscal 1991, including the launching of the Global Environment Facility (GEF)--a pilot program to oversee reduction of global warming, preservation of biological diversity, protection of international waters, and prevention of ozone depletion

  7. Analysis and Design of Offset QPSK Using Redundant Filter Banks

    International Nuclear Information System (INIS)

    Fernandez-Vazquez, Alfonso; Jovanovic-Dolecek, Gordana

    2013-01-01

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

  8. 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.

  9. StreamStats, version 4

    Science.gov (United States)

    Ries, Kernell G.; Newson, Jeremy K.; Smith, Martyn J.; Guthrie, John D.; Steeves, Peter A.; Haluska, Tana L.; Kolb, Katharine R.; Thompson, Ryan F.; Santoro, Richard D.; Vraga, Hans W.

    2017-10-30

    IntroductionStreamStats version 4, available at https://streamstats.usgs.gov, is a map-based web application that provides an assortment of analytical tools that are useful for water-resources planning and management, and engineering purposes. Developed by the U.S. Geological Survey (USGS), the primary purpose of StreamStats is to provide estimates of streamflow statistics for user-selected ungaged sites on streams and for USGS streamgages, which are locations where streamflow data are collected.Streamflow statistics, such as the 1-percent flood, the mean flow, and the 7-day 10-year low flow, are used by engineers, land managers, biologists, and many others to help guide decisions in their everyday work. For example, estimates of the 1-percent flood (which is exceeded, on average, once in 100 years and has a 1-percent chance of exceedance in any year) are used to create flood-plain maps that form the basis for setting insurance rates and land-use zoning. This and other streamflow statistics also are used for dam, bridge, and culvert design; water-supply planning and management; permitting of water withdrawals and wastewater and industrial discharges; hydropower facility design and regulation; and setting of minimum allowed streamflows to protect freshwater ecosystems. Streamflow statistics can be computed from available data at USGS streamgages depending on the type of data collected at the stations. Most often, however, streamflow statistics are needed at ungaged sites, where no streamflow data are available to determine the statistics.

  10. 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.

  11. Distribution of mercury, Cesium-137, and plutonium in an intermittent stream at Los Alamos

    International Nuclear Information System (INIS)

    Hakonson, T.E.; White, G.C.; Gladney, E.S.; Dreicer, M.

    1980-01-01

    The results of a study on the distribution of Hg, 137 Cs, 238 Pu, and 239 240 Pu in channel sediments and adjacent bank soils in an intermittent stream used for treated liquid effluent disposal since 1963 are summarized. Concentrations of the three radionuclides and Hg in stream bank soils were comparable to adjacent channel sediments demonstrating that the stream bank serves as a deposition site for chemicals released to the channel. This finding has important implications on the long-term behavior of effluent contaminants since other studies at Los Alamos have shown that the vegetated stream banks retard downstream movement of chemicals bound to soils and provide a pathway for transport of these materials to biota. Concentrations of the radionuclides and mercury were more uniformly distributed with distance and depth in the channel sediments than in the bank soils. The action of periodic surface water in the channel partially explains those differences. Statistical analysis of the data revealed that 50 to 85% of the variability in contaminant concentrations in bank and channel locations was due to variation with distance while depth contributed relatively little to variability

  12. 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.

  13. National Aquatic Resource Survey Rivers and Streams Data

    Data.gov (United States)

    U.S. Environmental Protection Agency — Data are from 1,000 river and stream sites across the conterminous US where consistent biological, chemical, physical and watershed data were gathered. The sites...

  14. Rock stream stability structures in the vicinity of bridges.

    Science.gov (United States)

    2014-10-01

    This report was sponsored by the Utah Department of Transportation (UDOT) to determine if rock stream stability structures could be used as : scour countermeasures and to protect streambanks. Traditional scour countermeasures, such as rock riprap, ar...

  15. LHCb trigger streams optimization

    Science.gov (United States)

    Derkach, D.; Kazeev, N.; Neychev, R.; Panin, A.; Trofimov, I.; Ustyuzhanin, A.; Vesterinen, M.

    2017-10-01

    The LHCb experiment stores around 1011 collision events per year. A typical physics analysis deals with a final sample of up to 107 events. Event preselection algorithms (lines) are used for data reduction. Since the data are stored in a format that requires sequential access, the lines are grouped into several output file streams, in order to increase the efficiency of user analysis jobs that read these data. The scheme efficiency heavily depends on the stream composition. By putting similar lines together and balancing the stream sizes it is possible to reduce the overhead. We present a method for finding an optimal stream composition. The method is applied to a part of the LHCb data (Turbo stream) on the stage where it is prepared for user physics analysis. This results in an expected improvement of 15% in the speed of user analysis jobs, and will be applied on data to be recorded in 2017.

  16. 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.

  17. 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...

  18. 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.

  19. A Novel Analytical Solution for Estimating Aquifer Properties and Predicting Stream Depletion Rates by Pumping from a Horizontally Anisotropic Aquifer

    Science.gov (United States)

    Huang, Y.; Zhan, H.; Knappett, P.

    2017-12-01

    Past studies modeling stream-aquifer interactions commonly account for vertical anisotropy, but rarely address horizontal anisotropy, which does exist in certain geological settings. Horizontal anisotropy is impacted by sediment deposition rates, orientation of sediment particles and orientations of fractures etc. We hypothesize that horizontal anisotropy controls the volume of recharge a pumped aquifer captures from the river. To test this hypothesis, a new mathematical model was developed to describe the distribution of drawdown from stream-bank pumping with a well screened across a horizontally anisotropic, confined aquifer, laterally bounded by a river. This new model was used to determine four aquifer parameters including the magnitude and directions of major and minor principal transmissivities and storativity based on the observed drawdown-time curves within a minimum of three non-collinear observation wells. By comparing the aquifer parameters values estimated from drawdown data generated known values, the discrepancies of the major and minor transmissivities, horizontal anisotropy ratio, storativity and the direction of major transmissivity were 13.1, 8.8, 4, 0 and managers to exploit groundwater resource reasonably while protecting stream ecosystem.

  20. Asteroid/meteorite streams

    Science.gov (United States)

    Drummond, J.

    The independent discovery of the same three streams (named alpha, beta, and gamma) among 139 Earth approaching asteroids and among 89 meteorite producing fireballs presents the possibility of matching specific meteorites to specific asteroids, or at least to asteroids in the same stream and, therefore, presumably of the same composition. Although perhaps of limited practical value, the three meteorites with known orbits are all ordinary chondrites. To identify, in general, the taxonomic type of the parent asteroid, however, would be of great scientific interest since these most abundant meteorite types cannot be unambiguously spectrally matched to an asteroid type. The H5 Pribram meteorite and asteroid 4486 (unclassified) are not part of a stream, but travel in fairly similar orbits. The LL5 Innisfree meteorite is orbitally similar to asteroid 1989DA (unclassified), and both are members of a fourth stream (delta) defined by five meteorite-dropping fireballs and this one asteroid. The H5 Lost City meteorite is orbitally similar to 1980AA (S type), which is a member of stream gamma defined by four asteroids and four fireballs. Another asteroid in this stream is classified as an S type, another is QU, and the fourth is unclassified. This stream suggests that ordinary chondrites should be associated with S (and/or Q) asteroids. Two of the known four V type asteroids belong to another stream, beta, defined by five asteroids and four meteorite-dropping (but unrecovered) fireballs, making it the most probable source of the eucrites. The final stream, alpha, defined by five asteroids and three fireballs is of unknown composition since no meteorites have been recovered and only one asteroid has an ambiguous classification of QRS. If this stream, or any other as yet undiscovered ones, were found to be composed of a more practical material (e.g., water or metalrich), then recovery of the associated meteorites would provide an opportunity for in-hand analysis of a potential

  1. Improvements in Quantifying Bank Erosion for Sediment Budgets within the Chesapeake Bay Watershed by Integrating Structure-From-Motion Photogrammetry

    Science.gov (United States)

    Bell, J. M.; Cashman, M. J.; Nibert, L.; Jackson, S.

    2017-12-01

    Fine sediment is a major source of pollution due to its ability to attenuate light, smother habitat, and sorb and transport nutrients, such as phosphorus and nitrogen. Piedmont streams in the Mid-Atlantic region of the United States are frequently characterized as incised with steep, highly erodible banks of legacy sediment that can contribute to high sediment loads. Multiple sediment fingerprinting studies in this region have demonstrated that stream banks can contribute a large proportion of the total sediment load, but stream banks are frequently overlooked in sediment delivery models and Total Maximum Daily Load allocations. The direct quantification of bank erosion is therefore essential to producing accurate sediment budgets, which are needed to inform the targeted mitigation and remediation of degraded fluvial systems. This study contrasts the use of traditional bank pin measurements, structure-from-motion photogrammetric techniques, and aerial LIDAR at sites within Maryland, USA. Bank pin measurements, representing only single points in space, were found to be highly variable with subjective initial placement often missing nearby, large-scale bank failures. In contrast, photogrammetric techniques, using structure-from-motion, were able to capture a more spatially-complete streambank profile. Using a Nikon D810 camera, bank scans were able to reconstruct banks with a RMSE as low as 0.1mm and repeat scan alignment resolution of bank-erosion over multi-year timescales. Future work will include difference mapping channel features at watershed scales. This photogrammetric approach of quantifying geomorphic change, when coupled with bank-sediment bulk density, has promise to accurately quantify volumetric change as well as sediment loads originating from bank erosion, and may provide valuable data of the quantification of bank erosion for incorporation into regional sediment models.

  2. Stream Channel Stability.

    Science.gov (United States)

    1981-04-01

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

  3. 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.

  4. 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.

  5. 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

  6. 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.

  7. Oblique aggradation : A novel explanation for sinuosity of low-energy streams in peat-filled valley systems

    NARCIS (Netherlands)

    Candel, Jasper H J; Makaske, Bart; Storms, J.E.A.; Wallinga, J.

    2017-01-01

    Low-energy streams in peatlands often have a high sinuosity. However, it is unknown how this sinuous planform formed, since lateral migration of the channel is hindered by relatively erosion-resistant banks. We present a conceptual model of Holocene morphodynamic evolution of a stream in a

  8. Oblique aggradation: a novel explanation for sinuosity of low-energy streams in peat-filled valley systems

    NARCIS (Netherlands)

    Candel, J.H.J.; Makaske, A.; Storms, J.E.A.; Wallinga, J.

    2017-01-01

    Low-energy streams in peatlands often have a high sinuosity. However, it is unknown how this sinuous planform formed, since lateral migration of the channel is hindered by relatively erosion-resistant banks. We present a conceptual model of Holocene morphodynamic evolution of a stream in a

  9. Surveying Small Streams with COTS UAVs

    Science.gov (United States)

    McKean, J. A.; Wright, C. W.; Tonina, D.

    2017-12-01

    We tested the ability to make high resolution surveys of stream bathymetry and exposed banks using a commercial off-the-shelf unmanned quadcopter equipped with a 12 megapixel, gimbal stabilized, RGB camera, and L1-code-only GPS.Our study site is a canyon-wall confined gravel bed river with pool-riffle morphology. The survey reach was 15 m wide and on average 0.3 m deep with a maximum water depth during survey of approximately 1.2 m. Streambed material ranged between pea gravel to boulders. For accuracy comparison we field-surveyed the reach with an RTK GPS. The survey mapped large boulders and cobbles, stream banks and bed morphology, as well as the center of each of 9 black/white photo targets with a surface area of 22" x 16" that were placed around the perimeter of the reach. The water was clear, and the bottom substrate reflectivity was highly variable and rich in texture Nearly 1,000 photos were captured, many with sub-centimeter pixels. The photos were processed using Agisoft Photoscan and the resulting point cloud linked to the GPS coordinate system via the surveyed photo targets. The submerged portion of the data was separated from the sub-aerial data, corrected for refraction using external software and then rejoined to produce a seamless point cloud. Comparison between the merged results and ground-survey point shows good agreement with less than 10cm rmse.

  10. 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...

  11. 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.

  12. Use of Banking Services in Emerging Markets - Household-Level Evidence

    OpenAIRE

    Brown, Martin; Beck, Thorsten

    2011-01-01

    This paper uses survey data for 60,000 households from 29 transition economies in 2006 and 2010 to explore how the use of banking services is related to household characteristics, as well as to bank ownership, deposit insurance and creditor protection. At the household level we find that the holding of a bank account, a bank card, or a mortgage increases with income and education in most countries and find evidence for an urban-rural gap. The use of banking services is also related to the rel...

  13. THE POLITICS OF BANKING: GLOBALISATION AND DOMESTIC POLICY CHANGE

    OpenAIRE

    Sukarman, Widigdo

    2015-01-01

    The current article aims to elaborate on the history of bank policy modifications as a response towards economic and financial change, mainly due to globalisation. The centralstatus of banks in the economy causes a need for the government to protect it in many forms that differ from one country to another. Bank policy makers that are closed oresoteric and are short-lived must be opened up to be able to receive long term ideas. The process is also marked intensively with competing interests be...

  14. Predicting Hyporheic Exchange of Water and Solutes in Streams on the Basis of a Priori Estimates of Stream Physical Characteristics

    Science.gov (United States)

    Stone, S. H.; Harvey, J.; Packman, A.; Worman, A.

    2005-12-01

    It is very important to accurately model solute transport in rivers in order to analyze contaminant transport, water quality, and a variety of ecological processes. The purpose of this research is to determine the physical characteristics of a stream or river that are sufficient to predict hyporheic exchange and downstream solute transport. In the fall of 2004, we conducted a bromide tracer injection and made physical measurements in Sugar Creek, a small agricultural stream in northwestern Indiana. As is typical for small mid-western agricultural streams, Sugar Creek has been ditched and straightened, and subsequent downcutting through glacial sediments and slumpage of bank sediments composed of finer grain sizes has created a stream of intermediate complexity. In order to relate the observed solute transport to more basic physical characteristics of the stream, we determined the bathymetry of Sugar Creek over a wide range of scales (centimeters to decameters), and measured velocity profiles, the water elevation surface profile, hydraulic conductivity via in situ measurements, and bed sediment grain size distributions throughout the study reach. Our most detailed topographic measurements revealed fine scale bed variations with wavelengths on the order of ten centimeters, while surveying of the entire study reach characterized large scale meanders with wavelengths on the order of five meters. The distribution of wavelengths influences the driving forces that cause solute to enter the bed and banks. Hydraulic conductivity determines the resistance to flow of stream water through the (meander) stream banks and streambed. We used a scaling approach to relate the geometric and hydrogeologic characteristics of the stream to solute transport and also applied a new analytical solution for the subsurface flows resulting from topographic variations over a wide range of spatial scales. These models captured the main features of the observed solute transport. The greatest

  15. 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...

  16. 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

  17. 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.

  18. 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.

  19. 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 ...

  20. 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...

  1. 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.

  2. 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.

  3. 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.

  4. Groundwater Discharge along a Channelized Coastal Plain Stream

    Energy Technology Data Exchange (ETDEWEB)

    LaSage, Danita M [Ky Dept for natural resources, Div of Mine Permits; Sexton, Joshua L [JL Sexton and Son; Mukherjee, Abhijit [Univ of Tx, Jackson School of Geosciences, Bur of Econ. Geology; Fryar, Alan E [Univ of KY, Dept of Earth and Geoligical Sciences; Greb, Stephen F [Univ of KY, KY Geological Survey

    2015-10-01

    In the Coastal Plain of the southeastern USA, streams have commonly been artificially channelized for flood control and agricultural drainage. However, groundwater discharge along such streams has received relatively little attention. Using a combination of stream- and spring-flow measurements, spring temperature measurements, temperature profiling along the stream-bed, and geologic mapping, we delineated zones of diffuse and focused discharge along Little Bayou Creek, a channelized, first-order perennial stream in western Kentucky. Seasonal variability in groundwater discharge mimics hydraulic-head fluctuations in a nearby monitoring well and spring-discharge fluctuations elsewhere in the region, and is likely to reflect seasonal variability in recharge. Diffuse discharge occurs where the stream is incised into the semi-confined regional gravel aquifer, which is comprised of the Mounds Gravel. Focused discharge occurs upstream where the channel appears to have intersected preferential pathways within the confining unit. Seasonal fluctuations in discharge from individual springs are repressed where piping results in bank collapse. Thereby, focused discharge can contribute to the morphological evolution of the stream channel.

  5. Government Policy and the Banking Crisis: Vindicated, Misled or Flying Blind?

    OpenAIRE

    Tobin, Damian; TASC

    2010-01-01

    Almost three years after the onset of Ireland's banking criris public disenchantment continues to increase, aggravated in part by the government's failure to provide a transparent examination for the crisis and an endless stream of revelations on the increasing cost of stabilising the banking system. The government claimed that it acted on the "best available advice" and as a consequence has been able to pin the blame for the crisis on events beyond its control. This think piece argues that t...

  6. The Relation between the Romanian Commercial Banking Companies and the Corporate Social Responsibility

    Directory of Open Access Journals (Sweden)

    Laura Mureşan

    2009-12-01

    Full Text Available The relatively recent legal regulation regarding the field of the banking service consumer protection has been determined by the abusive commercial activity of the commercial banking companies. If the commercial banking companies had been aware of the need to comply with certain ethical principles in their relation with consumers – having a socially responsible behavior – then these principles would not legally have been sanctioned. That is why we consider that the significant sanctions to which the banks expose themselves at present are a consequence of the flagrant and repeated breach of the ethical principles in the field of consumer protection.

  7. 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 ...

  8. 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

  9. 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 ...

  10. Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective

    Science.gov (United States)

    Tsai, Sang-Bing; Chen, Kuan-Yu; Zhao, Hongrui; Wei, Yu-Min; Wang, Cheng-Kuang; Zheng, Yuxiang; Chang, Li-Chung; Wang, Jiangtao

    2016-01-01

    Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL) and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established. PMID:27992449

  11. Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective.

    Directory of Open Access Journals (Sweden)

    Sang-Bing Tsai

    Full Text Available Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established.

  12. 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...

  13. 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 ...

  14. 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...

  15. KONSEP PENGATURAN PENJAMINAN SIMPANAN NASABAH PADA BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Danang Wahyu Muhammad

    2016-01-01

    between Islamic Banks and the institution that guarantees its customer fund in Islamic Banks which at the end will guarantee protection towards the customers who are willing to perform Islamic religious duty in a good and correct way.

  16. Channelized Streams in Iowa

    Data.gov (United States)

    Iowa State University GIS Support and Research Facility — This draft dataset consists of all ditches or channelized pieces of stream that could be identified using three input datasets; namely the1:24,000 National...

  17. Stochastic ice stream dynamics.

    Science.gov (United States)

    Mantelli, Elisa; Bertagni, Matteo Bernard; Ridolfi, Luca

    2016-08-09

    Ice streams are narrow corridors of fast-flowing ice that constitute the arterial drainage network of ice sheets. Therefore, changes in ice stream flow are key to understanding paleoclimate, sea level changes, and rapid disintegration of ice sheets during deglaciation. The dynamics of ice flow are tightly coupled to the climate system through atmospheric temperature and snow recharge, which are known exhibit stochastic variability. Here we focus on the interplay between stochastic climate forcing and ice stream temporal dynamics. Our work demonstrates that realistic climate fluctuations are able to (i) induce the coexistence of dynamic behaviors that would be incompatible in a purely deterministic system and (ii) drive ice stream flow away from the regime expected in a steady climate. We conclude that environmental noise appears to be crucial to interpreting the past behavior of ice sheets, as well as to predicting their future evolution.

  18. Streaming tearing mode

    Science.gov (United States)

    Shigeta, M.; Sato, T.; Dasgupta, B.

    1985-01-01

    The magnetohydrodynamic stability of streaming tearing mode is investigated numerically. A bulk plasma flow parallel to the antiparallel magnetic field lines and localized in the neutral sheet excites a streaming tearing mode more strongly than the usual tearing mode, particularly for the wavelength of the order of the neutral sheet width (or smaller), which is stable for the usual tearing mode. Interestingly, examination of the eigenfunctions of the velocity perturbation and the magnetic field perturbation indicates that the streaming tearing mode carries more energy in terms of the kinetic energy rather than the magnetic energy. This suggests that the streaming tearing mode instability can be a more feasible mechanism of plasma acceleration than the usual tearing mode instability.

  19. DNR 24K Streams

    Data.gov (United States)

    Minnesota Department of Natural Resources — 1:24,000 scale streams captured from USGS seven and one-half minute quadrangle maps, with perennial vs. intermittent classification, and connectivity through lakes,...

  20. Trout Stream Special Regulations

    Data.gov (United States)

    Minnesota Department of Natural Resources — This layer shows Minnesota trout streams that have a special regulation as described in the 2006 Minnesota Fishing Regulations. Road crossings were determined using...

  1. Scientific stream pollution analysis

    National Research Council Canada - National Science Library

    Nemerow, Nelson Leonard

    1974-01-01

    A comprehensive description of the analysis of water pollution that presents a careful balance of the biological,hydrological, chemical and mathematical concepts involved in the evaluation of stream...

  2. Relation of urbanization to stream habitat and geomorphic characteristics in nine metropolitan areas of the United States

    Science.gov (United States)

    Fitzpatrick, Faith A.; Peppler, Marie C.

    2010-01-01

    environmental settings. The relations between watershed-scale indicators of urbanization and stream habitat depended on physiography and climate, hydrology, pre-urban channel alterations, reach-scale slope and presence of bedrock, and amount of bank stabilization and grade control. Channels increased in size with increasing percentages of impervious surfaces in southeastern and midwestern metropolitan areas regardless of whether the pre-existing land use was forest or agriculture. The amount of enlargement depended on annual precipitation and frequency of high-flow events. The lack of a relation between channel enlargement and increasing impervious surfaces in other metropolitan areas was thought to be confounded by pre-urbanization hydrologic and channel alterations. Direct relations of channel shape and streambed substrate to urbanization were variable or lacking, probably because the type, amount, and source of sediment are dependent on the phase of urbanization. Reach-scale slope also was important for determining variations in streambed substrate and habitat complexity (percentage of riffles and runs). Urbanization-associated changes in reach-scale riparian vegetation varied geographically, partially depending on pre-existing riparian vegetation characteristics. Bank erosion increased in Milwaukee?Green Bay and Boston urban streams, and bank erosion also increased with an increase in a streamflow flashiness index. However, potential relations likely were confounded by the frequent use of channel stabilization and bank protection in urban settings. Low-flow reach volume did not decrease with increasing urbanization, but instead was related to natural landscape characteristics and possibly other unmeasured factors. The presence of intermittent bedrock in some sampled reaches likely limited some geomorphic responses to urbanization, such as channel bed erosion. Results from this study emphasize the importance of including a wide range of landscape variables at m

  3. Modeling the effects of LID practices on streams health at watershed scale

    Science.gov (United States)

    Shannak, S.; Jaber, F. H.

    2013-12-01

    Increasing impervious covers due to urbanization will lead to an increase in runoff volumes, and eventually increase flooding. Stream channels adjust by widening and eroding stream bank which would impact downstream property negatively (Chin and Gregory, 2001). Also, urban runoff drains in sediment bank areas in what's known as riparian zones and constricts stream channels (Walsh, 2009). Both physical and chemical factors associated with urbanization such as high peak flows and low water quality further stress aquatic life and contribute to overall biological condition of urban streams (Maxted et al., 1995). While LID practices have been mentioned and studied in literature for stormwater management, they have not been studied in respect to reducing potential impact on stream health. To evaluate the performance and the effectiveness of LID practices at a watershed scale, sustainable detention pond, bioretention, and permeable pavement will be modeled at watershed scale. These measures affect the storm peak flows and base flow patterns over long periods, and there is a need to characterize their effect on stream bank and bed erosion, and aquatic life. These measures will create a linkage between urban watershed development and stream conditions specifically biological health. The first phase of this study is to design and construct LID practices at the Texas A&M AgriLife Research and Extension Center-Dallas, TX to collect field data about the performance of these practices on a smaller scale. The second phase consists of simulating the performance of LID practices on a watershed scale. This simulation presents a long term model (23 years) using SWAT to evaluate the potential impacts of these practices on; potential stream bank and bed erosion, and potential impact on aquatic life in the Blunn Watershed located in Austin, TX. Sub-daily time step model simulations will be developed to simulate the effectiveness of the three LID practices with respect to reducing

  4. Collaborative Media Streaming

    OpenAIRE

    Kahmann, Verena

    2008-01-01

    Mit Hilfe der IP-Technologie erbrachte Multimedia-Dienste wie IPTV oder Video-on-Demand sind zur Zeit ein gefragtes Thema. Technisch werden solche Dienste unter dem Begriff "Streaming" eingeordnet. Ein Server sendet Mediendaten kontinuierlich an Empfänger, welche die Daten sofort weiterverarbeiten und anzeigen. Über einen Rückkanal hat der Kunde die Möglichkeit der Einflussnahme auf die Wiedergabe. Eine Weiterentwicklung dieser Streaming-Dienste ist die Möglichkeit, gemeinsam mit anderen dens...

  5. 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.

  6. 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.

  7. 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...

  8. 76 FR 4532 - Safety Zone; 500 Yards North and South, Bank to Bank, of Position 29°48.77′ N 091°33.02′ W...

    Science.gov (United States)

    2011-01-26

    ...-AA00 Safety Zone; 500 Yards North and South, Bank to Bank, of Position 29[deg]48.77' N 091[deg]33.02' W... and South, bank to bank, of position 29[deg]48.77' N 091[deg]33.02' W, Charenton Drainage and Navigation Canal, St. Mary Parish, LA. This Safety Zone is needed to protect the general public, vessels and...

  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. 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.

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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

  4. 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…

  5. 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

  6. Streaming Pool: reuse, combine and create reactive streams with pleasure

    CERN Multimedia

    CERN. Geneva

    2017-01-01

    When connecting together heterogeneous and complex systems, it is not easy to exchange data between components. Streams of data are successfully used in industry in order to overcome this problem, especially in the case of "live" data. Streams are a specialization of the Observer design pattern and they provide asynchronous and non-blocking data flow. The ongoing effort of the ReactiveX initiative is one example that demonstrates how demanding this technology is even for big companies. Bridging the discrepancies of different technologies with common interfaces is already done by the Reactive Streams initiative and, in the JVM world, via reactive-streams-jvm interfaces. Streaming Pool is a framework for providing and discovering reactive streams. Through the mechanism of dependency injection provided by the Spring Framework, Streaming Pool provides a so called Discovery Service. This object can discover and chain streams of data that are technologically agnostic, through the use of Stream IDs. The stream to ...

  7. THE COMPARISON OF BANKING SUPERVISION MODEL IN INDONESIA, UNITED KINGDOM, SOUTH KOREA AS EFORTS TO IMPROVE INDONESIAN SUPERVISION SYSTEM

    OpenAIRE

    Sulistyandari; Arief Suryono

    2015-01-01

    This study aims to revise banking supervision by conducting comparative studies research model of banking supervision in Indonesia, the UK, South Korea and the aspirations of the respondents (Bank, OJK, theorist) in Central Java on efforts to improve banking supervision is now done in Indonesia. The results show Indonesian comparison with the UK and South Korea gives the idea that the OJK in charge of education and consumer protection to enhance its role as practiced by the FCA in...

  8. The Comparison of Banking Supervision Model in Indonesia, United Kingdom, South Korea as Eforts to Improve Indonesian Supervision System

    OpenAIRE

    Sulistyandari, Sulistyandari

    2015-01-01

    This study aims to improve banking supervision by conductingcomparative studies research model of banking supervision in Indonesia, the UK, South Korea and the aspirations of the respondents (Bank, OJK, theorist) in Central Java on efforts to improve banking supervision is now done in Indonesia. The results show Indonesian comparison with the UK and South Korea gives the idea that the OJK in charge of education and consumer protection to enhance its role as practiced by the FCA in the UK, and...

  9. A Case Study on E - Banking Security – When Security Becomes Too Sophisticated for the User to Access Their Information

    OpenAIRE

    Aaron M. French

    2012-01-01

    While eBanking security continues to increase in sophistication to protect against threats, the usability of the eBanking decreases resulting in poor security behaviors by the users. The current research evaluates se curity risks and measures taken for eBanking solutions. A case study is presented describing how increased complexity decreases vulnerabilities online but increases vulnerabilities from internal threats and eBanking users

  10. 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...

  11. 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.

  12. Streams and their future inhabitants

    DEFF Research Database (Denmark)

    Sand-Jensen, K.; Friberg, Nikolai

    2006-01-01

    In this fi nal chapter we look ahead and address four questions: How do we improve stream management? What are the likely developments in the biological quality of streams? In which areas is knowledge on stream ecology insuffi cient? What can streams offer children of today and adults of tomorrow?...

  13. Ecologically relevant geomorphic attributes of streams are impaired by even low levels of watershed effective imperviousness

    Science.gov (United States)

    Vietz, Geoff J.; Sammonds, Michael J.; Walsh, Christopher J.; Fletcher, Tim D.; Rutherfurd, Ian D.; Stewardson, Michael J.

    2014-02-01

    Urbanization almost inevitably results in changes to stream morphology. Understanding the mechanisms for such impacts is a prerequisite to minimizing stream degradation and achieving restoration goals. However, investigations of urban-induced changes to stream morphology typically use indicators of watershed urbanization that may not adequately represent degrading mechanisms and commonly focus on geomorphic attributes such as channel dimensions that may be of little significance to the ecological goals for restoration. We address these shortcomings by testing if a measure characterizing urban stormwater drainage system connections to streams (effective imperviousness, EI) is a better predictor of change to ecologically relevant geomorphic attributes than a more general measure of urban density (total imperviousness, TI). We test this for 17 sites in independent watersheds across a gradient of urbanization. We found that EI was a better predictor of all geomorphic variables tested than was TI. Bank instability was positively correlated with EI, while width/depth (a measure of channel incision), bedload sediment depth, and frequency of bars, benches, and large wood were negatively correlated. Large changes in all geomorphic variables were detected at very low levels of EI (Urbanization influences stream morphology more than any other land use (Douglas, 2011): it alters hydrology and sediment inputs leading to deepening and widening of streams (Chin, 2006). Concomitantly, urbanization often directly impairs stream morphology through channel and riparian zone interventions, e.g., culverts (Hawley et al., 2012), rock protection (Vietz et al., 2012b), and constricted floodplains (Gurnell et al., 2007). These changes to channel geomorphology in turn contribute to poor in-stream ecological condition (Morley and Karr, 2002; Walsh et al., 2005b; Gurnell et al., 2007; Elosegi et al., 2010).The common conception is that channels undergo gross morphologic alterations if > 10

  14. 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...

  15. 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

  16. 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.

  17. 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...

  18. Greentowers in Frankfurt. Second life cycle of the Deutsche Bank towers; Greentowers in Frankfurt. Zweiter Lebenszyklus fuer Hochhaustuerme der Deutschen Bank

    Energy Technology Data Exchange (ETDEWEB)

    Lauster, Marcus

    2011-07-01

    The two towers of the headquarters of Deutsche Bank in Frankfurt were modernized on the basis of a new climate strategy in order to minimize the operating cost and help protect the climate. (orig./AKB)

  19. Can taxes tame the banks?

    DEFF Research Database (Denmark)

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

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

  20. 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

  1. Robust Watermarking of Video Streams

    Directory of Open Access Journals (Sweden)

    T. Polyák

    2006-01-01

    Full Text Available In the past few years there has been an explosion in the use of digital video data. Many people have personal computers at home, and with the help of the Internet users can easily share video files on their computer. This makes possible the unauthorized use of digital media, and without adequate protection systems the authors and distributors have no means to prevent it.Digital watermarking techniques can help these systems to be more effective by embedding secret data right into the video stream. This makes minor changes in the frames of the video, but these changes are almost imperceptible to the human visual system. The embedded information can involve copyright data, access control etc. A robust watermark is resistant to various distortions of the video, so it cannot be removed without affecting the quality of the host medium. In this paper I propose a video watermarking scheme that fulfills the requirements of a robust watermark. 

  2. 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...

  3. 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

  4. Enhancing trust online A cross Bsectional study on users judgments of online bank websites in Germany

    OpenAIRE

    Martin, Gabi; Jonasson, Joakim

    2014-01-01

    Background: One the latest developments in the banking sector are online banks, which provide their services only online while physical offices are not available. Market research conducted in Germany, have shown that Germans are hesitating to adopt to the digital offered banking services. The major barrier for adoption is due to trust issues, which are rooted in perceived security and privacy protections. Earlier literature has found that other website interaction factors are also playing a r...

  5. BrainNet Europe's Code of Conduct for brain banking.

    Science.gov (United States)

    Klioueva, Natasja M; Rademaker, Marleen C; Dexter, David T; Al-Sarraj, Safa; Seilhean, Danielle; Streichenberger, Nathalie; Schmitz, Peer; Bell, Jeanne E; Ironside, James W; Arzberger, Thomas; Huitinga, Inge

    2015-07-01

    Research utilizing human tissue and its removal at post-mortem has given rise to many controversies in the media and posed many dilemmas in the fields of law and ethics. The law often lacks clear instructions and unambiguous guidelines. The absence of a harmonized international legislation with regard to post-mortem medical procedures and donation of tissue and organs contributes to the complexity of the issue. Therefore, within the BrainNet Europe (BNE) consortium, a consortium of 19 European brain banks, we drafted an ethical Code of Conduct for brain banking that covers basic legal rules and bioethical principles involved in brain banking. Sources include laws, regulations and guidelines (Declarations, Conventions, Recommendations, Guidelines and Directives) issued by international key organizations, such as the Council of Europe, European Commission, World Medical Association and World Health Organization. The Code of Conduct addresses fundamental topics as the rights of the persons donating their tissue, the obligations of the brain bank with regard to respect and observance of such rights, informed consent, confidentiality, protection of personal data, collections of human biological material and their management, and transparency and accountability within the organization of a brain bank. The Code of Conduct for brain banking is being adopted by the BNE network prior to being enshrined in official legislation for brain banking in Europe and beyond.

  6. 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

  7. 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...

  8. 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 ...

  9. 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...

  10. 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...

  11. 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...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2001-02-28

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

  13. 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.

  14. 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...

  15. Plant gene bank and vegetable varieties biodiversity in Smederevska Palanka

    Directory of Open Access Journals (Sweden)

    Pavlović Nenad

    2011-01-01

    Full Text Available Biodiversity protection and preservation of genetic variability is based on the fact that plant varieties are irreplaceable in production process and that they are more and more jeopardized by urban and industrial development. The most common way of preserving and at the same time the safest way is a storage in a gene bank. Prior to storage comes collecting, studying and replanting for Institute Gene Bank, Central State Gene Bank and for Regional Gene Banks. Institute for Vegetable Crops in Smederevska Palanka preserves a wide variety of vegetable germplasm. This is, so called, work collection, used as a gene resource for breeding purposes. Seed samples are stored at 4±2°C and 50% relative humidity. At the moment, the collection has 2265 samples. Almost all samples have the passport data, but only 10% of samples have been further characterized and evaluated.

  16. Strategies Adopted by Romanian Banks to Reduce the Payment Incidents

    Directory of Open Access Journals (Sweden)

    Oana BĂRBULESCU SEITAN

    2013-03-01

    Full Text Available In the past few years, the lack of the market liquidity generated some difficulties in the process of recovering the claims from the partners. This has determined the banks to find solutions with which to protect their clients against the financial imbalances of their partners, imbalances that otherwise would directly affect their own business. However, the permanent changes of the banking regulations led to a continuous diversification of the relations between the bank and its customers. In this context, during January-February 2013, it was drawn up a qualitative marketing research, its main objective consisting in identifying and analyzing the main measures taken by banks to reduce the number and the value of payment incidents generated by the use of debt instruments. The study also considered the outline of potential measures that can be taken for adapting the regulations in the field to the needs of the Romanian business environment.

  17. Bank guarantee in Serbian and European legal systems

    Directory of Open Access Journals (Sweden)

    Pajtić Bojan L.

    2015-01-01

    Full Text Available The paper analyses a bank guarantee as an institute derived from a surety contract. By issuing a bank guarantee the bank commits to the creditor that it will fulfill valid and due liabilities of a debtor, in the event of default by the debtor. This collateral demonstrates significant advantages as compared to other personal assets, particularly with regards to a higher level of protection to creditors in contractual relations. Due to the aforementioned benefit the institute has been increasingly applied in legal dealings, both in our and other legal systems. In the paper, I will point out normative solutions in terms of regulation of a bank guarantee as a specific legal activity in which there is no accessoriness, which is not the case with security. This research particularly focuses on the comparative legal analysis of this collateral.

  18. Ownership Concentration and Market Value of European Banks

    DEFF Research Database (Denmark)

    Busta, Ildura; Sinani, Evis; Thomsen, Steen

    2014-01-01

    This paper investigates the relationship between ownership concentration and market value of European banks, and the role of the institutional environment in shaping this relationship. Using GMM dynamic estimator on a sample of European banks over a 13-year period (1993–2005) we find on average...... concentration is positive in Scandinavia. We propose that, besides the legal protection of small investors, the differences in the impact of ownership concentration across the countries could be due to the identity of the predominant owners, i.e. financial institutions in Germany and trusts and foundations...... a negative effect of ownership concentration on bank value, measured by Tobin's Q. However, this effect varies across different institutional settings; while higher ownership concentration results in a lower bank value particularly in the countries belonging to German legal family, the impact of ownership...

  19. 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.

  20. 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.

  1. 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.

  2. 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.

  3. 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.

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

    Science.gov (United States)

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

    2017-11-01

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

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. Resolving Europe’s banking crisis through market discipline : A note

    NARCIS (Netherlands)

    Benink, H.A.

    2013-01-01

    Purpose – The purpose is to analyse how the policy approach to the immediate problems in the European financial sector has long-term effects on implicit protection of banks' creditors and, thereby, on risk-taking incentives. Design/methodology/approach – The near term issues in European banking are

  10. 78 FR 40394 - Safety Zone; Outer Banks Bluegrass Festival; Shallowbag Bay, Manteo, NC

    Science.gov (United States)

    2013-07-05

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

  11. 75 FR 81484 - Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of...

    Science.gov (United States)

    2010-12-28

    ... ENVIRONMENTAL PROTECTION AGENCY 40 CFR Part 52 [EPA-R06-OAR-2005-TX-0012; FRL-9243-1] Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of Allowances Program AGENCY... State Implementation Plan (SIP) that create and amend the Emissions Banking and Trading of Allowances...

  12. 75 FR 69909 - Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of...

    Science.gov (United States)

    2010-11-16

    ... ENVIRONMENTAL PROTECTION AGENCY 40 CFR Part 52 [EPA-R06-OAR-2005-TX-0012; FRL-9226-3] Approval and Promulgation of Implementation Plans; Texas; Emissions Banking and Trading of Allowances Program AGENCY... four revisions to the Texas State Implementation Plan (SIP) that create and amend the Emissions Banking...

  13. 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 ...

  14. 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 ...

  15. BUILDING A BANKING UNION IN THE EUROPEAN UNION – A SOLUTION TO THE FINANCIAL CRISIS?

    Directory of Open Access Journals (Sweden)

    Monica (ŞAGUNA FIGHIROAE

    2015-07-01

    Full Text Available The financial crisis of 2008 highlighted the need for a deeper integration of the banking system, as a warranty to support long-term financial stability. It was argued that the grounds of the crisis lie also in an uncoordinated national response to the failure of banks, in a fragmentation of the Single Market in lending and funding and, therefore, a better regulation and supervision of the financial sector can ensure financial stability and growth in the European Union. In order to restore the proper functioning of the internal market and to avoid future crisis, the European Commission launched a set of initiatives, in order to assure a safer and sounder financial sector for the single market; are included here: stronger prudential requirements for banks, improved depositor protection and rules for managing failing banks and a single rulebook for all the 28 Member States of the European Union. The single rule book is the step towards the Banking Union sits. The banking union consists of three pillars: a Single Supervisory Mechanism, a Single Resolution Mechanism and a joint deposit-insurance scheme. As on 4 November 2014 the European Central Bank assumed responsibility for euro area banking supervision, the Banking Union is still under construction. In this framework, the purpose of my paper is to analyse the process of building a Banking Union in Europe. Therefore, the objectives of my paper are to explore the steps to fulfilling a real integration of the European banking system, as a solution to the financial crisis.

  16. The Rabbit Stream Cipher

    DEFF Research Database (Denmark)

    Boesgaard, Martin; Vesterager, Mette; Zenner, Erik

    2008-01-01

    The stream cipher Rabbit was first presented at FSE 2003, and no attacks against it have been published until now. With a measured encryption/decryption speed of 3.7 clock cycles per byte on a Pentium III processor, Rabbit does also provide very high performance. This paper gives a concise...... description of the Rabbit design and some of the cryptanalytic results available....

  17. Music Streaming in Denmark

    DEFF Research Database (Denmark)

    Pedersen, Rasmus Rex

    This report analyses how a ’per user’ settlement model differs from the ‘pro rata’ model currently used. The analysis is based on data for all streams by WiMP users in Denmark during August 2013. The analysis has been conducted in collaboration with Christian Schlelein from Koda on the basis of d...

  18. Academic streaming in Europe

    DEFF Research Database (Denmark)

    Falaschi, Alessandro; Mønster, Dan; Doležal, Ivan

    2004-01-01

    The TF-NETCAST task force was active from March 2003 to March 2004, and during this time the mem- bers worked on various aspects of streaming media related to the ultimate goal of setting up common services and infrastructures to enable netcasting of high quality content to the academic community...

  19. Channel Bank Cohesion and the Maintenance of Suspension Rivers

    Science.gov (United States)

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

    2017-12-01

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

  20. 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.

  1. 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....

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...