WorldWideScience

Sample records for stream bank stability

  1. 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...

  2. 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.

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

    Science.gov (United States)

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

    2007-01-01

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

  4. 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

  5. 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

  6. Banking Competition and Economic Stability

    OpenAIRE

    Ronald Fischer; Nicolás Inostroza; Felipe J. Ramírez

    2013-01-01

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

  7. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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    Rahmatina A. Kasri

    2017-08-01

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

  8. Financial stability of banking system in China

    OpenAIRE

    Jiang, B

    2014-01-01

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

  9. Bank Stability and Competition: Evidence from Albanian Banking Market

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

    Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.

  10. 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...

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

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    Daru Setyo Rini

    2018-01-01

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

  12. Financial Stability and Central Bank Governance

    NARCIS (Netherlands)

    Koetter, Michael; Roszbach, Kasper; Spagnolo, Giancarlo

    2014-01-01

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

  13. Active Risk Management and Banking Stability

    NARCIS (Netherlands)

    Silva Buston, C.F.

    2013-01-01

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

  14. Bank ownership and financial stability

    NARCIS (Netherlands)

    Perotti, E.; Vorage, M.

    2010-01-01

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

  15. CENTRAL BANKS AND FINANCIAL STABILITY - Literature review

    Directory of Open Access Journals (Sweden)

    Adina APÃTÃCHIOAE

    2013-06-01

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

  16. Electrogravitational stability of oscillating streaming fluid cylinder

    International Nuclear Information System (INIS)

    Hasan, Alfaisal A.

    2011-01-01

    The electrogravitational instability of on oscillating streaming fluid cylinder under the action of the selfgravitating, capillary and electrodynamic forces has been discussed. The model is governed by the Mathieu second order integro-differential equation. Some limiting cases are recovering from the present general one. The capillary force is destabilizing in a small axisymmetric domain 0< x<1 and stabilizing otherwise. In the absence of electric fields, we found that the model is unstable in a small domain while it is selfgravitating stable in all other domains. The presence of the electric field led to the presence of a great number of stable waves. The electric field has a strong stabilizing influence on the selfgravitating instability of the model. The capillary force has a strong destabilizing influence on the selfgravitating instability of the model. Generally, the uniform stream supports the unstable waves, while the oscillating streaming has stability tendency.

  17. 30 CFR 56.3130 - Wall, bank, and slope stability.

    Science.gov (United States)

    2010-07-01

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

  18. Capital requirement, bank competition and stability in Africa

    Directory of Open Access Journals (Sweden)

    Jacob Oduor

    2017-06-01

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

  19. 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...

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

    Science.gov (United States)

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

    2012-03-01

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

  1. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

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    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.

  2. 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.

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

    Directory of Open Access Journals (Sweden)

    Md Enayet Hossain

    2018-03-01

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

  4. New possibilities for slope stability assessment of spoil banks

    Energy Technology Data Exchange (ETDEWEB)

    Radl, A [Palivovy Kombinat, Vresova (Czechoslovakia)

    1991-03-01

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

  5. FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

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    Svetlana Lanets

    2015-11-01

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

  6. 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...

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

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    Shijaku Gerti

    2017-09-01

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

  8. 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

  9. THE IMPORTANCE OF BANKING SUPERVISION IN ENSURING FINANCIAL STABILITY

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    CĂRUNTU GENU ALEXANDRU

    2014-12-01

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

  10. THE USE OF GEOMORPHOLOGY IN THE ASSESSMENT OF STREAM STABILITY

    Science.gov (United States)

    Various applications of geomorphic data and stream stability rating systems are being considered in order to establish tools for the development of TMDLs for clean sediment in streams. The transport of "clean" sediment, as opposed to contaminated sediment, is of concern to the en...

  11. 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...

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

    Science.gov (United States)

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

    2018-02-01

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

  13. 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

  14. Banking Competition and Stability : The Role of Leverage

    NARCIS (Netherlands)

    Freixas, X.; Ma, K.

    2014-01-01

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

  15. Experimental research on stability of covering blocks for sloping banks

    International Nuclear Information System (INIS)

    Okuno, Toshihiko

    1988-01-01

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

  16. Relative performance of three stream bed stability indices as indicators of stream health.

    Science.gov (United States)

    Kusnierz, Paul C; Holbrook, Christopher M

    2017-10-16

    Bed stability is an important stream habitat attribute because it affects geomorphology and biotic communities. Natural resource managers desire indices of bed stability that can be used under a wide range of geomorphic conditions, are biologically meaningful, and are easily incorporated into sampling protocols. To eliminate potential bias due to presence of instream wood and increase precision of stability values, we modified a stream bed instability index (ISI) to include measurements of bankfull depth (d bf ) and median particle diameter (D 50 ) only in riffles and increased the pebble count to decrease variability (i.e., increase precision) in D 50 . The new riffle-based instability index (RISI) was compared to two established indices: ISI and the riffle stability index (RSI). RISI and ISI were strongly associated with each other but neither was closely associated with RSI. RISI and ISI were closely associated with both a diatom- and two macrovertebrate-based stream health indices, but RSI was only weakly associated with the macroinvertebrate indices. Unexpectedly, precision of D 50 did not differ between RISI and ISI. Results suggest that RISI is a viable alternative to both ISI and RSI for evaluating bed stability in multiple stream types. With few data requirements and a simple protocol, RISI may also better conform to riffle-based sampling methods used by some water quality practitioners.

  17. 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)

  18. 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.

  19. Stability in Bank Income through Fee-based Activities

    Directory of Open Access Journals (Sweden)

    R. K. Uppal

    2010-12-01

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

  20. 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.

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

    NARCIS (Netherlands)

    Horváth, Bálint; Huizinga, Harry

    2015-01-01

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

  2. 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

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

    NARCIS (Netherlands)

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

    2013-01-01

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

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

    Directory of Open Access Journals (Sweden)

    MSc. Anera Alishani

    2012-06-01

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

  5. Variable responses of fish assemblages, habitat, and stability to natural-channel-design restoration in Catskill Mountain streams

    Science.gov (United States)

    Baldigo, Barry P.; Ernst, Anne G.; Warren, Dana R.; Miller, Sarah J.

    2010-01-01

    Natural-channel-design (NCD) restorations were recently implemented within large segments of five first- and second-order streams in the Catskill Mountains of New York in an attempt to increase channel stability, reduce bed and bank erosion, and sustain water quality. In conjunction with these efforts, 54 fish and habitat surveys were done from 1999 to 2007 at six restored reaches and five stable control reaches to evaluate the effects of NCD restoration on fish assemblages, habitat, and bank stability. A before–after–control–impact study design and two-factor analysis of variance were used to quantify the net changes in habitat and fish population and community indices at treatment reaches relative to those at unaltered control reaches. The density and biomass of fish communities were often dominated by one or two small prey species and no or few predator species before restoration and by one or more trout (Salmonidae) species after restoration. Significant increases in community richness (30%), diversity (40%), species or biomass equitability (32%), and total biomass (up to 52%) in at least four of the six restored reaches demonstrate that NCD restorations can improve the health and sustainability of fish communities in geomorphically unstable Catskill Mountain streams over the short to marginally long term. Bank stability, stream habitat, and trout habitat suitability indices (HSIs) generally improved significantly at the restored reaches, but key habitat features and trout HSIs did not change or decreased at two of them. Fish communities and trout populations at these two reaches were not positively affected by NCD restorations. Though NCD restorations often had a positive effect on habitat and fish communities, our results show that the initial habitat conditions limit the relative improvements than can be achieved, habitat quality and stability do not necessarily respond in unison, and biotic and abiotic responses cannot always be generalized.

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

    Directory of Open Access Journals (Sweden)

    Mohammad Dulal Miah

    2017-12-01

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

  7. Stream Level Stabilization by Algae of the Genus Cladophora

    Directory of Open Access Journals (Sweden)

    Zeman J.

    2018-03-01

    Full Text Available Investigations in the Pryský brook experimental catchment revealed that the vegetation of the stream channel stabilizes water level depth in the measured profile. The explored brook has been heavily overgrown by algae of the genus Cladophora due to a strong pollution by nitrates. It seems that if the algae average length exceeds the midsize of the stones paving the bed (ca. 30 ± 7 cm in diameter, escribed circle to pentagon or heptagon, the water level stagnates in the flowrate range of 60–180 l s−1. This totally blocks the streamflow daily oscillation (in summer months in a purely stone bed reaching up to 15%, along with tidal phenomena. The article analyzes one of possible explanations of this effect due to the dependence of the algae thickness layer modifying the channel bed cross-section on the speed of flowing water.

  8. 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.

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

    OpenAIRE

    Nguyen, Thi Ngoc My

    2017-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Elena MARGARINT

    2015-12-01

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

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

    NARCIS (Netherlands)

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

    2016-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Shoaib Nisar

    2018-04-01

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

  13. Bioassessment in nonperennial streams: Hydrologic stability influences assessment validity

    Science.gov (United States)

    Mazor, R. D.; Stein, E. D.; Schiff, K.; Ode, P.; Rehn, A.

    2011-12-01

    Nonperennial streams pose a challenge for bioassessment, as assessment tools developed in perennial streams may not work in these systems. For example, indices of biotic integrity (IBIs) developed in perennial streams may give improper indications of impairment in nonperennial streams, or may be unstable. We sampled benthic macroinvertebrates from 12 nonperennial streams in southern California. In addition, we deployed loggers to obtain continuous measures of flow. 3 sites were revisited over 2 years. For each site, we calculated several metrics, IBIs, and O/E scores to determine if assessments were consistent and valid throughout the summer. Hydrology varied widely among the streams, with several streams drying between sampling events. IBIs suggested good ecological health at the beginning of the study, but declined sharply at some sites. Multivariate ordination suggested that, despite differences among sites, changes in community structure were similar, with shifts from Ephemeroptera, Plecoptera, and Trichoptera to Coleoptera and more tolerant organisms. Site revisits revealed a surprising level of variability, as 2 of the 3 revisited sites had perennial or near-perennial flow in the second year of sampling. IBI scores were more consistent in streams with stable hydrographs than in those with strongly intermittent hydrographs. These results suggest that nonperennial streams can be monitored successfully, but they may require short index periods and distinct metrics from those used in perennial streams. In addition, better approaches to mapping nonperennial streams are required.

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

    International Nuclear Information System (INIS)

    Shi, Q

    2010-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2010-08-15

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

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

    Directory of Open Access Journals (Sweden)

    N.P. Pogorelenko

    2015-09-01

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

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

    Directory of Open Access Journals (Sweden)

    Isac\tBORS

    2015-06-01

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

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

    NARCIS (Netherlands)

    IJtsma, Pieter; Spierdijk, Laura; Shaffer, Sherrill

    2017-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Lesik Vitaliy O.

    2017-03-01

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

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

    NARCIS (Netherlands)

    Kool, C.J.M.

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

  1. 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

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

    Directory of Open Access Journals (Sweden)

    Brauers Willem Karel M.

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Vollmer Uwe

    2016-06-01

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

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

    NARCIS (Netherlands)

    De Jonghe, O.G.

    2009-01-01

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

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

    OpenAIRE

    Florea Drago?

    2011-01-01

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

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

    International Nuclear Information System (INIS)

    Massiera, M.

    1998-01-01

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

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

    Science.gov (United States)

    Gee, Chan Sok; Isa, Che Ruhana

    2017-01-01

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

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

    Science.gov (United States)

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

    2017-01-01

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

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

    OpenAIRE

    MSc. Anera Alishani

    2012-01-01

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

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

    Science.gov (United States)

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

    2011-11-01

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

  11. 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 ).

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

    International Nuclear Information System (INIS)

    Massiera, M.; Tournier, J-P.

    2000-01-01

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

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

    Czech Academy of Sciences Publication Activity Database

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

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Claudia Gabriela Baicu

    2012-06-01

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

  15. Method for removal and stabilization of mercury in mercury-containing gas streams

    Science.gov (United States)

    Broderick, Thomas E.

    2005-09-13

    The present invention is directed to a process and apparatus for removing and stabilizing mercury from mercury-containing gas streams. A gas stream containing vapor phase elemental and/or speciated mercury is contacted with reagent, such as an oxygen-containing oxidant, in a liquid environment to form a mercury-containing precipitate. The mercury-containing precipitate is kept or placed in solution and reacts with one or more additional reagents to form a solid, stable mercury-containing compound.

  16. Banking Consolidation Process and Impact to Financial Stability

    Directory of Open Access Journals (Sweden)

    Lina Novickytė

    2011-03-01

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

  17. Magnetohydrodynamic Stability of Streaming Jet Pervaded Internally by Varying Transverse Magnetic Field

    Directory of Open Access Journals (Sweden)

    Alfaisal A. Hasan

    2012-01-01

    Full Text Available The Magnetohydrodynamic stability of a streaming cylindrical model penetrated by varying transverse magnetic field has been discussed. The problem is formulated, the basic equations are solved, upon appropriate boundary conditions the eigenvalue relation is derived and discussed analytically, and the results are verified numerically. The capillary force is destabilizing in a small axisymmetric domain 0<<1 and stabilizing otherwise. The streaming has a strong destabilizing effect in all kinds of perturbation. The toroidal varying magnetic field interior the fluid has no direct effect at all on the stability of the fluid column. The axial exterior field has strong stabilizing effect on the model. The effect of all acting forces altogether could be identified via the numerical analysis of the stability theory of the present model.

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

    Directory of Open Access Journals (Sweden)

    Petr Pelikán

    2014-01-01

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

  19. 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 ).

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

    Directory of Open Access Journals (Sweden)

    Muhammad Ridhwan Ab. Aziz

    2017-09-01

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

  1. 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...

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

    OpenAIRE

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

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Anisoara Niculina APETRI

    2016-09-01

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

  4. 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.

  5. 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

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

    Directory of Open Access Journals (Sweden)

    Long Zhang

    2016-06-01

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

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

    Directory of Open Access Journals (Sweden)

    Inna Bielova

    2016-05-01

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

  8. Assessment of stability of a revitalized stream T12 in Orlické Záhoří

    Directory of Open Access Journals (Sweden)

    Jana Marková

    2013-01-01

    Full Text Available The aim of presented project is to execute an analysis and evaluation of stream-bed conditions for streams after revitalisation measures. Revitalisation of stream T12 in Orlické Záhoří has been comprehensive, included changes of stream line and longitudinal and transversal profile. The evaluation was so provided in two absolutely different stream-beds. The evaluation was focused on stream-bed ground and slopes stability, which were established on the base of tangential stress, scouring and nonscouring velocity and of mean velocity in vertical calculation. Then the individual methods of calculation were compared and the results were faced with actual status of stream-bed and supposed development of stream-bed morphology.

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

    Science.gov (United States)

    Maniatis, Georgios; Williams, Richard; Hoey, Trevor

    2017-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Gabriela Lățea

    2016-11-01

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

  11. 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.

  12. 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.

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

    Directory of Open Access Journals (Sweden)

    Mažylis Liudas

    2014-12-01

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

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

    Science.gov (United States)

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

    2009-04-01

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

  15. Review of Potential Candidate Stabilization Technologies for Liquid and Solid Secondary Waste Streams

    Energy Technology Data Exchange (ETDEWEB)

    Pierce, Eric M.; Mattigod, Shas V.; Westsik, Joseph H.; Serne, R. Jeffrey; Icenhower, Jonathan P.; Scheele, Randall D.; Um, Wooyong; Qafoku, Nikolla

    2010-01-30

    Pacific Northwest National Laboratory has initiated a waste form testing program to support the long-term durability evaluation of a waste form for secondary wastes generated from the treatment and immobilization of Hanford radioactive tank wastes. The purpose of the work discussed in this report is to identify candidate stabilization technologies and getters that have the potential to successfully treat the secondary waste stream liquid effluent, mainly from off-gas scrubbers and spent solids, produced by the Hanford Tank Waste Treatment and Immobilization Plant (WTP). Down-selection to the most promising stabilization processes/waste forms is needed to support the design of a solidification treatment unit (STU) to be added to the Effluent Treatment Facility (ETF). To support key decision processes, an initial screening of the secondary liquid waste forms must be completed by February 2010.

  16. 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....

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

    NARCIS (Netherlands)

    De Haas, Ralph; van Lelyveld, Iman

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

  18. Zirconium phosphate waste forms for low-temperature stabilization of cesium-137-containing waste streams

    International Nuclear Information System (INIS)

    Singh, D.; Wagh, A.S.; Tlustochowicz.

    1996-04-01

    Novel chemically bonded phosphate ceramics are being developed and fabricated for low-temperature stabilization and solidification of waste streams that are not amenable to conventional high-temperature stabilization processes because volatiles are present in the wastes. A composite of zirconium-magnesium phosphate has been developed and shown to stabilize ash waste contaminated with a radioactive surrogate of 137 Cs. Excellent retainment of cesium in the phosphate matrix system was observed in Toxicity Characteristic Leaching Procedure tests. This was attributed to the capture of cesium in the layered zirconium phosphate structure by intercalation ion-exchange reaction. But because zirconium phosphate has low strength, a novel zirconium/magnesium phosphate composite waste form system was developed. The performance of these final waste forms, as indicated by compression strength and durability in aqueous environments, satisfy the regulatory criteria. Test results indicate that zirconium-magnesium-phosphate-based final waste forms present a viable technology for treatment and solidification of cesium-contaminated wastes

  19. Stability of silver nanoparticle monolayers determined by in situ streaming potential measurements

    International Nuclear Information System (INIS)

    Morga, Maria; Adamczyk, Zbigniew; Oćwieja, Magdalena

    2013-01-01

    A silver particle suspension obtained by a chemical reduction was used in this work. Monolayers of these particles (average size 28 nm) on mica modified by poly(allylamine hydrochloride) were produced under diffusion-controlled transport. Monolayer coverages, quantitatively determined by atomic force microscopy (AFM) and SEM, was regulated by adjusting the nanoparticle deposition time and the suspension concentration. The zeta potential of the monolayers was determined by streaming potential measurements carried out under in situ (wet) conditions. These measurements performed for various ionic strengths and pH were interpreted in terms of the three-dimensional (3D) electrokinetic model. The stability of silver monolayers was also investigated using streaming potential and the AFM methods. The decrease in the surface coverage of particles as a function of time and ionic strength varied between 10 −1 and 10 −4  M was investigated. This allowed one to determine the equilibrium adsorption constant K a and the binding energy of silver particles (energy minima depth). Energy minima depth were calculated that varied between −18 kT for I = 10 −1  M and −19 kT for I = 10 −4 for pH 5.5 and T = 298 K. Our investigations suggest that the interactions between surface and nanoparticles are controlled by the electrostatic interactions among ion pairs. It was also shown that the in situ electrokinetic measurements are in accordance with those obtained by more tedious ex situ AFM measurements. This confirmed the utility of the streaming potential method for direct kinetic studies of nanoparticle deposition/release processes.Graphical Abstract

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1984-08-01

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

  1. THE USE OF GEOMORPHOLOGY AND STREAM STABILITY IN THE ASSESSMENT OF THE RISK OF STREAM IMPAIRMENT FROM SEDIMENT

    Science.gov (United States)

    The evaluation of the current condition is critical to the management of streams impaired by sediment and other non-point source stressors, which adversely affect both physical habitat and water quality. Several rating and classification systems based on geomorphic data exist for...

  2. Stability analysis of confined V-shaped flames in high-velocity streams.

    Science.gov (United States)

    El-Rabii, Hazem; Joulin, Guy; Kazakov, Kirill A

    2010-06-01

    The problem of linear stability of confined V-shaped flames with arbitrary gas expansion is addressed. Using the on-shell description of flame dynamics, a general equation governing propagation of disturbances of an anchored flame is obtained. This equation is solved analytically for V-flames anchored in high-velocity channel streams. It is demonstrated that dynamics of the flame disturbances in this case is controlled by the memory effects associated with vorticity generated by the perturbed flame. The perturbation growth rate spectrum is determined, and explicit analytical expressions for the eigenfunctions are given. It is found that the piecewise linear V structure is unstable for all values of the gas expansion coefficient. Despite the linearity of the basic pattern, however, evolutions of the V-flame disturbances are completely different from those found for freely propagating planar flames or open anchored flames. The obtained results reveal strong influence of the basic flow and the channel walls on the stability properties of confined V-flames.

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

    Directory of Open Access Journals (Sweden)

    Metin Aktaş

    2013-01-01

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

  4. SEDIMENTATION IN PACIFIC NORTHWEST COASTAL STREAMS -- EVIDENCE FROM REGIONAL SURVEY OF BED SUBSTRATE SIZE AND STABILITY

    Science.gov (United States)

    Excessive erosion, transport and deposition of sediment are major problems in streams and rivers throughout the United States. We examined evidence of anthropogenic sedimentation in Oregon and Washington coastal streams using relatively rapid measurements taken from surveys duri...

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

    OpenAIRE

    International Monetary Fund

    2006-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Yelena Pavlovna Gurova

    2014-12-01

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

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

    Directory of Open Access Journals (Sweden)

    Suhal Kusairi

    2018-03-01

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

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

    OpenAIRE

    Schupp, Fabian; Silbermann, Leonid

    2017-01-01

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

  9. Nitrapyrin in streams: The first study documenting off-field transport of a nitrogen stabilizer compound

    Science.gov (United States)

    Woodward, Emily; Hladik, Michelle; Kolpin, Dana W.

    2016-01-01

    Nitrapyrin is a bactericide that is co-applied with fertilizer to prevent nitrification and enhance corn yields. While there have been studies of the environmental fate of nitrapyrin, there is no documentation of its off-field transport to streams. In 2016, 59 water samples from 11 streams across Iowa were analyzed for nitrapyrin and its degradate, 6-chloropicolinic acid (6-CPA), along with three widely used herbicides, acetochlor, atrazine, and metolachlor. Nitrapyrin was detected in seven streams (39% of water samples) with concentrations ranging from 12 to 240 ng/L; 6-CPA was never detected. The herbicides were ubiquitously detected (100% of samples, 28–16000 ng/L). Higher nitrapyrin concentrations in streams were associated with rainfall events following spring fertilizer applications. Nitrapyrin persisted in streams for up to 5 weeks. These results highlight the need for more research focused on the environmental fate and transport of nitrapyrin and the potential toxicity this compound could have on nontarget organisms.

  10. 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...

  11. Monitoring of bioengineering stabilization projects : final report.

    Science.gov (United States)

    2009-08-01

    Four sites with bioengineered stream banks were monitored for four years. Observations included quantitative : measurements of stream discharge, stage and velocity. No bank erosion was observed to have affected the stream : banks at any of the monito...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1994-12-31

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

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

    NARCIS (Netherlands)

    Jong, Eelke de

    2001-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Andres Riofrio

    2017-10-01

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

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

    Science.gov (United States)

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

    2017-10-13

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

  16. 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...

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

    OpenAIRE

    Zhang, Long; Yang, Qiang; Liu, Yaoru

    2016-01-01

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

  18. 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.

  19. Machine-Learning Based Channel Quality and Stability Estimation for Stream-Based Multichannel Wireless Sensor Networks

    Directory of Open Access Journals (Sweden)

    Waqas Rehan

    2016-09-01

    Full Text Available Wireless sensor networks (WSNs have become more and more diversified and are today able to also support high data rate applications, such as multimedia. In this case, per-packet channel handshaking/switching may result in inducing additional overheads, such as energy consumption, delays and, therefore, data loss. One of the solutions is to perform stream-based channel allocation where channel handshaking is performed once before transmitting the whole data stream. Deciding stream-based channel allocation is more critical in case of multichannel WSNs where channels of different quality/stability are available and the wish for high performance requires sensor nodes to switch to the best among the available channels. In this work, we will focus on devising mechanisms that perform channel quality/stability estimation in order to improve the accommodation of stream-based communication in multichannel wireless sensor networks. For performing channel quality assessment, we have formulated a composite metric, which we call channel rank measurement (CRM, that can demarcate channels into good, intermediate and bad quality on the basis of the standard deviation of the received signal strength indicator (RSSI and the average of the link quality indicator (LQI of the received packets. CRM is then used to generate a data set for training a supervised machine learning-based algorithm (which we call Normal Equation based Channel quality prediction (NEC algorithm in such a way that it may perform instantaneous channel rank estimation of any channel. Subsequently, two robust extensions of the NEC algorithm are proposed (which we call Normal Equation based Weighted Moving Average Channel quality prediction (NEWMAC algorithm and Normal Equation based Aggregate Maturity Criteria with Beta Tracking based Channel weight prediction (NEAMCBTC algorithm, that can perform channel quality estimation on the basis of both current and past values of channel rank estimation

  20. Machine-Learning Based Channel Quality and Stability Estimation for Stream-Based Multichannel Wireless Sensor Networks.

    Science.gov (United States)

    Rehan, Waqas; Fischer, Stefan; Rehan, Maaz

    2016-09-12

    Wireless sensor networks (WSNs) have become more and more diversified and are today able to also support high data rate applications, such as multimedia. In this case, per-packet channel handshaking/switching may result in inducing additional overheads, such as energy consumption, delays and, therefore, data loss. One of the solutions is to perform stream-based channel allocation where channel handshaking is performed once before transmitting the whole data stream. Deciding stream-based channel allocation is more critical in case of multichannel WSNs where channels of different quality/stability are available and the wish for high performance requires sensor nodes to switch to the best among the available channels. In this work, we will focus on devising mechanisms that perform channel quality/stability estimation in order to improve the accommodation of stream-based communication in multichannel wireless sensor networks. For performing channel quality assessment, we have formulated a composite metric, which we call channel rank measurement (CRM), that can demarcate channels into good, intermediate and bad quality on the basis of the standard deviation of the received signal strength indicator (RSSI) and the average of the link quality indicator (LQI) of the received packets. CRM is then used to generate a data set for training a supervised machine learning-based algorithm (which we call Normal Equation based Channel quality prediction (NEC) algorithm) in such a way that it may perform instantaneous channel rank estimation of any channel. Subsequently, two robust extensions of the NEC algorithm are proposed (which we call Normal Equation based Weighted Moving Average Channel quality prediction (NEWMAC) algorithm and Normal Equation based Aggregate Maturity Criteria with Beta Tracking based Channel weight prediction (NEAMCBTC) algorithm), that can perform channel quality estimation on the basis of both current and past values of channel rank estimation. In the end

  1. 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

  2. Two-stream Stability Properties of the Return-Current Layer for Intense Ion Beam Propagation Through Background Plasma

    International Nuclear Information System (INIS)

    Startsev, Edward A.; Davidson, Ronald C.; Dorf, Mikhail

    2009-01-01

    When an ion beam with sharp edge propagates through a background plasma, its current is neutralized by the plasma return current everywhere except at the beam edge over a characteristic transverse distance Δx perpendicular ∼ (delta) pe , where (delta) pe = c/ω pe is the collisionless skin depth, and ω pe is the electron plasma frequency. Because the background plasma electrons neutralizing the ion beam current inside the beam are streaming relative to the background plasma electrons outside the beam, the background plasma can support a two-stream surface-mode excitation. Such surface modes have been studied previously assuming complete charge and current neutralization, and have been shown to be strongly unstable. In this paper we study the detailed stability properties of this two-stream surface mode for an electron flow velocity profile self-consistently driven by the ion beam. In particular, it is shown that the self-magnetic field generated inside the unneutralized current layer, which has not been taken into account previously, completely eliminates the instability

  3. 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.

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

    Directory of Open Access Journals (Sweden)

    Wael Bakhit

    2014-04-01

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

  5. Flume Experiments on the Influence of Salmon Spawning Density on Grain Stability and Bedload Transport in Gravel-bed Streams

    Science.gov (United States)

    Buxton, T. H.

    2015-12-01

    Salmon spawning in streams involves the female salmon digging a pit in the bed where she deposits eggs for fertilization before covering them with gravel excavated from the next pit upstream. Sequences of pit excavation and filling winnow fines, loosen sediment, and move bed material into a tailspill mound resembling the shape of a dune. Research suggests salmonid nests (redds) destabilize streambeds by reducing friction between loosened grains and converging flow that elevates shear stress on redd topography. However, bed stability may be enhanced by form drag from redds in clusters that lower shear stress on the granular bed, but this effect will vary with the proportion of the bed surface that is occupied by redds (P). I used simulated redds and water-worked ("unspawned") beds in a laboratory flume to evaluate these competing influences on grain stability and bedload transport rates with P=0.12, 0.34, and 0.41. Results indicate that competence (largest-grain) and reference transport rate estimates of critical conditions for particle entrainment inversely relate to P. Bedload transport increased as exponential functions of P and excess boundary shear stress. Therefore, redd form drag did not overcome the destabilizing effects of spawning. Instead, grain mobility and bedload transport increased with P because larger areas of the bed were composed of relatively loose, unstable grains and redd topography that experienced elevated shear stress. Consequently, the presence of redds in fish-bearing streams likely reduces the effects of sedimentation from landscape disturbance on stream habitats that salmon use for reproduction.

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

    DEFF Research Database (Denmark)

    Balling, Morten

    2003-01-01

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

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

    Science.gov (United States)

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

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

    International Nuclear Information System (INIS)

    Parnell, S.E.

    2000-01-01

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

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

    International Nuclear Information System (INIS)

    S. E. Parnell

    2000-01-01

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

  10. 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.

  11. Lower Red River Meadow Stream Restoration Project

    International Nuclear Information System (INIS)

    1996-05-01

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

  12. Stability Dust-Ion-Acoustic Wave In Dusty Plasmas With Stream -Influence Of Charge Fluctuation Of Dust Grains

    International Nuclear Information System (INIS)

    Atamaniuk, Barbara; Zuchowski, Krzysztof

    2006-01-01

    There is a quickly increasing wealth of experimental data on so-called dusty plasmas i. e. ionized gases or usual plasmas that contain micron sized charged particles. Interest in these structures is driven both by their importance in many astrophysical as well as commercial situations. Among them are linear and nonlinear wave phenomena. We consider the influence of dust charge fluctuations on stability of the ion-acoustic waves when the stream of particles is present. It is assumed that all grains of dust have equal masses but charges are not constant in time-they may fluctuate in time. The dust charges are not really independent of the variations of the plasma potentials. All modes will influence the charging mechanism, and feedback will lead to several new interesting and unexpected phenomena. The charging of the grains depends on local plasma characteristics. If the waves disturb these characteristic, then charging of the grains is affected and the grain charge is modified, with a resulting feedback on the wave mode. In case considering here, when temperature of electrons is much greater then the temperature of the ions and temperature of electrons is not great enough for further ionization of the ions, we show that stability of the acoustic wave depends only one phenomenological coefficient

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

    Science.gov (United States)

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

    2015-12-01

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

  14. Persistence and stability of fish community structure in a southwest New York stream

    Science.gov (United States)

    Hansen, Michael J.; Ramm, Carl W.

    1994-01-01

    We used multivariate and nonparametric statistics to examine persistence and stability of fish species in the upper 43 km of French Creek, New York. Species occurred in upstream and downstream groups in 1937 that persisted in 1979. However, the downstream group expanded its range in the drainage from 1937 to 1979 at the expense of the upstream group. A dam prevented further upstream expansion of the downstream group. Ranks of species abundances were stable, as tests of group similarity were significant. The abundances and distributions of benthic species were stable across seven sampling dates in 1980 despite several floods and repeated removals by sampling that could have altered community structure. We conclude that the fish community in French Creek persisted and was stable over the 42-yr interval, 1937-1979, and that abundances of benthic species were stable in summer 1980.

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

    Science.gov (United States)

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

    2013-12-01

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

  16. An experimental study of flame stability in a directly-fueled wall cavity with a supersonic free stream

    Science.gov (United States)

    Rasmussen, Chadwick Clifford

    An extensive study of flame stability in a cavity-based fuel injector/flameholder has been performed. Flames were stabilized in cavities with two different aft wall configurations and length to depth ratios of 3 and 4. Fuel was injected directly into the cavity using two injector configurations. Fuel injected from the aft wall of the cavity entered directly into the recirculation zone and provided desirable performance near the lean blowout limit. At high fuel flowrates, the cavity became flooded with fuel and rich blowout occurred. When fuel was injected from the floor of the cavity, excess fuel was directed out of the cavity which allowed for flame stabilization at extremely high fuel flowrates; however, this phenomenon also resulted in suboptimal performance near the lean limit where the blowout point was less predictable. Images of planar laser-induced fluorescence (PLIF) of CH, OH, and formaldehyde give insight into the flameholding mechanisms. CH layers in the cavity are thin and continuous and show structure that is comparable to lifted jet flames, while broad CH zones are sometimes observed in the shear layer. OH PLIF images show that hot recirculated products are always present at the location of flame stabilization, whereas images of formaldehyde indicate that partial premixing takes place in the shear layer portion of the flame. Nonreacting measurements of the boundary layer and the free stream velocity profiles were obtained to provide necessary boundary conditions for computational modeling. Mean and instantaneous velocity profiles were determined for the nonreacting flow using particle image velocimetry (PIV). A correlation of the blowout points for a directly-fueled cavity in a supersonic flow was accomplished using a Damkohler number and an equivalence ratio based upon an effective air mass flowrate. The chemical time was formulated using a generic measure of the reaction rate, tauc ˜ alpha/ S2L , which was found to be adequate for correlating lean

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

    Science.gov (United States)

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

    2017-10-01

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

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

    OpenAIRE

    International Monetary Fund

    2003-01-01

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

  19. 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.

  20. 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.

  1. 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.

  2. Design considerations for large woody debris placement in stream enhancement projects. North American Journal of Fisheries Management

    Science.gov (United States)

    Robert H. Hilderbrand; A. Dennis Lemly; C. Andrew Dolloff; Kelly L. Harpster

    1998-01-01

    Log length exerted a critical influence in stabilizing large woody debris (LWD) pieces added as an experimental stream restoration technique. Logs longer than the average bank-full channel width (5.5 m) were significantly less likely to be displaced than logs shorter than this width. The longest log in stable log groups was significantly longer than the longest log in...

  3. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

    Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

  4. Distribution and stability of potential salmonid spawning gravels in steep boulder-bed streams of the eastern Sierra Nevada

    International Nuclear Information System (INIS)

    Kondolf, G.M.; Cada, G.F.; Sale, M.J.; Felando, T.

    1991-01-01

    Interest in small hydroelectric development (< 5 MW) has recently focused attention on steep streams and the resident trout populations they contain. High-gradient boulder-bed streams have been the sites of relatively few studies of salmonid spawning habitat, although they have geomorphic and hydraulic characteristics - and therefore gravel distributions - that are quite different from the more commonly described lower-gradient channels. The authors documented gravel distribution in seven high-gradient stream reaches in the eastern Sierra Nevada. Gravels occurred only in locations characterized by relatively low shear stress; they formed small pockets in sites of low divergence and larger deposits upstream of natural hydraulic controls. In 1986 (a wet year), all tracer gravels placed in gravel pockets at nine sites on four streams were completely swept away, and substantial scour, fill, and other channel changes occurred at many sites. In 1987 (a dry year), tracer gravels and the channel cross sections were generally stable. Periodic mobility of gravel may explain why brown trout Salmo trutta are more abundant than rainbow trout Oncorhychus mykiss in the study reaches, where high flows occur every May and June during snowmelt. Brown trout are fall spawners, and their fry emerge long before the high snowmelt flows, whereas rainbow trout are spring spawners whose eggs are in the gravel, and thus vulnerable to scour, during snowmelt flows

  5. 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.

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

    Directory of Open Access Journals (Sweden)

    Chifane Cristina

    2010-12-01

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

  7. 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.

  8. 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...

  9. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

    The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

  10. 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

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

    Directory of Open Access Journals (Sweden)

    Elhakeem Mohamed

    2016-01-01

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

  12. Formation and stability of manganese-doped ZnS quantum dot monolayers determined by QCM-D and streaming potential measurements.

    Science.gov (United States)

    Oćwieja, Magdalena; Matras-Postołek, Katarzyna; Maciejewska-Prończuk, Julia; Morga, Maria; Adamczyk, Zbigniew; Sovinska, Svitlana; Żaba, Adam; Gajewska, Marta; Król, Tomasz; Cupiał, Klaudia; Bredol, Michael

    2017-10-01

    Manganese-doped ZnS quantum dots (QDs) stabilized by cysteamine hydrochloride were successfully synthesized. Their thorough physicochemical characteristics were acquired using UV-Vis absorption and photoluminescence spectroscopy, X-ray diffraction, dynamic light scattering (DLS), transmission electron microscopy (HR-TEM), energy dispersive spectroscopy (EDS) and Fourier transform infrared (FT-IR) spectroscopy. The average particle size, derived from HR-TEM, was 3.1nm, which agrees with the hydrodynamic diameter acquired by DLS, that was equal to 3-4nm, depending on ionic strength. The quantum dots also exhibited a large positive zeta potential varying between 75 and 36mV for ionic strength of 10 -4 and 10 -2 M, respectively (at pH 6.2) and an intense luminescent emission at 590nm. The quantum yield was equal to 31% and the optical band gap energy was equal to 4.26eV. The kinetics of QD monolayer formation on silica substrates (silica sensors and oxidized silicon wafers) under convection-controlled transport was quantitatively evaluated by the quartz crystal microbalance (QCM) and the streaming potential measurements. A high stability of the monolayer for ionic strength 10 -4 and 10 -2 M was confirmed in these measurements. The experimental data were adequately reflected by the extended random sequential adsorption model (eRSA). Additionally, thorough electrokinetic characteristics of the QD monolayers and their stability for various ionic strengths and pH were acquired by streaming potential measurements carried out under in situ conditions. These results were quantitatively interpreted in terms of the three-dimensional (3D) electrokinetic model that furnished bulk zeta potential of particles for high ionic strengths that is impractical by other experimental techniques. It is concluded that these results can be used for designing of biosensors of controlled monolayer structure capable to bind various ligands via covalent as well as electrostatic interactions

  13. 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

  14. 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...

  15. 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.

  16. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  17. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

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

  18. Dynamic stability in hydropsychid guilds along a regulated stream: the role of competitive interactions versus environmental perturbations

    International Nuclear Information System (INIS)

    Camargo, J.O.

    1993-01-01

    Temporal alterations in the structure of hydropsychid guilds were studied along a regulated stream to examine the role of interspecific competitive interactions and environmental perturbations in determining species persistence. Discharge fluctuations of hypolimnial waters with a significant oxygen deficit were produced daily by Burgomillodo Dam. Under unregulated conditions (upstream sampling site), it is assumed that the coexistence of competing hydropsychid species is a function of species dominance (d') and resource limitation (R), as major cause of interaction strength among competitors, and the niche overlap (O) as a major causes of connectance among competitors, d' tends to increase with the number of subordinate species. A hydropsychid guild will tend to be unstable (by competitive displacement) if d'R(SO) 0.5 > 1, where S is the number of competing species in the guild. The product d'R(SO) 0.5 is used as a competition coefficient (β'); R and O are assumed to be 1 and 0.5, respectively. Upstream from the dam, values of β' were 0.599, 1.080 and 0.656, and values of S were 7,7 and 6. Downstream β' was less than unity during all sampling surveys, but S decreased at all sampling sites. Total density and total biomass were significantly higher downstream. Hydropsyche pellucidula was dominant upstream, whereas H. siltalai became dominant downstream. Temporal variations in individual weights of H. bulbifera and H. exocellata downstream were different from those upsteam. This is interpreted as 'character displacement. It is concluded that interspecific competitive interactions upstream and environmental perturbations downstream determined species persistence in hydropsychid guilds. (Author)

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

    Science.gov (United States)

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

    2015-04-01

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

  20. 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.

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

    Science.gov (United States)

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

    2017-12-01

    -water energy characteristics in urbanized watersheds resulting in channel widening and bank failure. Thus, bank stabilization, channel restoration, and/or storm water management to attenuate stream energy may improve the ecological condition of these waterbodies.

  2. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

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

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

    Science.gov (United States)

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

    2018-06-01

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

  4. 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...

  5. 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).

  6. Rehabilitation of an Incised Stream Using Plant Materials: the Dominance of Geomorphic Processes

    Directory of Open Access Journals (Sweden)

    F. Douglas. Shields, Jr.

    2008-12-01

    Full Text Available The restoration of potentially species-rich stream ecosystems in physically unstable environments is challenging, and few attempts have been evaluated scientifically. Restoration approaches that involve living and dead native vegetation are attractive economically and from an ecological standpoint. A 2-km reach of an incised, sand-bed stream in northern Mississippi was treated with large wood structures and willow plantings to trigger responses that would result in increasing similarity with a lightly degraded reference stream. Experimental approaches for stream bank and gully stabilization were also examined. Although the project was initially successful in producing improved aquatic habitat, after 4 yr it had failed to effectively address issues related to flashy watershed hydrology and physical instability manifest by erosion and sedimentation. The success of ecosystem rehabilitation was thus governed by landscape-scale hydrological and geomorphological processes.

  7. 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...

  8. Stabilization

    Directory of Open Access Journals (Sweden)

    Muhammad H. Al-Malack

    2016-07-01

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

  9. 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.

  10. 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).

  11. Headwater Stream Management Dichotomies: Local Amphibian Habitat vs. Downstream Fish Habitat

    Science.gov (United States)

    Jackson, C. R.

    2002-12-01

    Small headwater streams in mountainous areas of the Pacific Northwest often do not harbor fish populations because of low water depth and high gradients. Rather, these streams provide habitat for dense assemblages of stream-dwelling amphibians. A variety of management goals have been suggested for such streams such as encouraging large woody debris recruitment to assist in sediment trapping and valley floor formation, encouraging large woody debris recruitment to provide downstream wood when debris flows occur, providing continuous linear stream buffers within forest harvest areas to provide shade and bank stability, etc. A basic problem with analying the geomorphic or biotic benefits of any of these strategies is the lack of explicit management goals for such streams. Should managers strive to optimize downstream fish habitat, local amphibian habitat, or both? Through observational data and theoretical considerations, it will be shown that these biotic goals will lead to very different geomorphic management recommendations. For instance, woody debris greater than 60 cm diameter may assist in valley floor development, but it is likely to create subsurface channel flow of unknown value to amphibians. Trapping and retention of fine sediments within headwater streams may improve downstream spawning gravels, but degrades stream-dwelling amphibian habitat. In response to the need for descriptive information on habitat and channel morphology specific to small, non-fish-bearing streams in the Pacific Northwest, morphologies and wood frequencies in forty-two first- and second-order forested streams less than four meters wide were surveyed. Frequencies and size distributions of woody debris were compared between small streams and larger fish-bearing streams as well as between second-growth and virgin timber streams. Statistical models were developed to explore dominant factors affecting channel morphology and habitat. Findings suggest geomorphological relationships

  12. Geographic Diversification, Competition and Bank Survival

    NARCIS (Netherlands)

    Jochem, T.

    2013-01-01

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

  13. 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...

  14. 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.

  15. 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...

  16. Monetary Policy and Excessive Bank Risk Taking

    NARCIS (Netherlands)

    Agur, I.; Demertzis, M.

    2010-01-01

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

  17. Central bank independence and financial instability

    NARCIS (Netherlands)

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

    2009-01-01

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

  18. 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.

  19. 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.

  20. 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.

  1. 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

  2. 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...

  3. Uranium hydrogeochemical and stream sediment reconnaissance of the Dixon Entrance NTMS and Prince Rupert D-6 quadrangles, Alaska, including concentrations of forty-two additional elements

    International Nuclear Information System (INIS)

    Warren, R.G.; Hensley, W.K.; Hanks, D.E.

    1980-09-01

    During August 1978, sediment and water samples were collected from 203 lakes, streams, and springs in the Dixon Entrance and Prince Rupert D-6 quadrangles, Alaska. Variations in concentrations of all 43 elements among the five sieve fractions at each location are generally less than analytical uncertainty. Therefore, elemental analyses are generally comparable for a wide range in sieve fractions for sediment sample locations in southeastern Alaska. However, at some few locations, several elemental concentrations increase with finer mesh size; for uranium, such an increase may be associated with mineralization. Waterborne sediment samples collected from the center of a stream yield analyses essentially identical to those collected from the adjacent bank for most elements. Chlorine concentrations are generally higher in bank sediments, probably as a result of concentration of halogens in the vegetation that stabilizes the bank. At a few locations, concentrations of the ferrous elements, particularly Mn and Co, differ notably between the stream center and bank: such behavior is characteristic of mineralized areas. Concentrations of the ferrous elements, particularly Mn and Co, are strikingly enriched in the stream sediments compared either to lake sediments or to crustal abundances. This suggests that this area might be a favorable location for strategic resources of these elements. Uranium concentrations in all 950 sediment samples of all sieve fractions range from 0.54 to 22.80 ppM, with a median of 2.70 ppM

  4. Multinational banks and development finance

    OpenAIRE

    Weller, Christian E.; Scher, Mark J.

    1999-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Magdalena, RADULESCU

    2014-11-01

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

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

    OpenAIRE

    Gou, Michael

    2017-01-01

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

  7. 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...

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

    OpenAIRE

    Ruiz-Porras, Antonio

    2007-01-01

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

  9. The Decline of Traditional Banking Activities

    Directory of Open Access Journals (Sweden)

    Gabriela Cornelia Piciu

    2011-05-01

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

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

    OpenAIRE

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

    2014-01-01

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

  12. CHANNEL EVOLUTION IN MODIFIED ALLUVIAL STREAMS.

    Science.gov (United States)

    Simon, Andrew; Hupp, Cliff R.

    1987-01-01

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

  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. Contrasting landscape influences on sediment supply and stream restoration priorities in northern Fennoscandia (Sweden and Finland) and coastal British Columbia.

    Science.gov (United States)

    Rosenfeld, Jordan; Hogan, Daniel; Palm, Daniel; Lundquist, Hans; Nilsson, Christer; Beechie, Timothy J

    2011-01-01

    Sediment size and supply exert a dominant control on channel structure. We review the role of sediment supply in channel structure, and how regional differences in sediment supply and land use affect stream restoration priorities. We show how stream restoration goals are best understood within a common fluvial geomorphology framework defined by sediment supply, storage, and transport. Land-use impacts in geologically young landscapes with high sediment yields (e.g., coastal British Columbia) typically result in loss of in-stream wood and accelerated sediment inputs from bank erosion, logging roads, hillslopes and gullies. In contrast, northern Sweden and Finland are landscapes with naturally low sediment yields caused by low relief, resistant bedrock, and abundant mainstem lakes that act as sediment traps. Land-use impacts involved extensive channel narrowing, removal of obstructions, and bank armouring with boulders to facilitate timber floating, thereby reducing sediment supply from bank erosion while increasing export through higher channel velocities. These contrasting land-use impacts have pushed stream channels in opposite directions (aggradation versus degradation) within a phase-space defined by sediment transport and supply. Restoration in coastal British Columbia has focused on reducing sediment supply (through bank and hillslope stabilization) and restoring wood inputs. In contrast, restoration in northern Fennoscandia (Sweden and Finland) has focused on channel widening and removal of bank-armouring boulders to increase sediment supply and retention. These contrasting restoration priorities illustrate the consequences of divergent regional land-use impacts on sediment supply, and the utility of planning restoration activities within a mechanistic sediment supply-transport framework.

  15. 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...

  16. Competitive implications of cross-border banking

    OpenAIRE

    Claessens, Stijn

    2006-01-01

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

  17. 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-.

  18. 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.

  19. Geomorphic stability field reconnaissance site visit, Canonsburg, Pennsylvania, December 1992. Final report

    International Nuclear Information System (INIS)

    1993-05-01

    To license the Canonsburg site, the US Nuclear Regulatory Commission (NRC) has required that geomorphic stability be demonstrated for the stream banks and slopes around the perimeter of the site for 200 years. Based on a study of the stream channel and slopes, it has been determined that due to recent human intervention, the required geomorphic stability cannot now be achieved without installation of erosion protection works and continued monitoring of the site. The Pittsburgh District Corps of Engineers has plans to channelize Chartiers Creek and install erosion protection rock within the next 5 or 6 years, if local government agencies raise the necessary matching funds. Much of the stream bank and slope adjacent to the ''fenced in'' western area of the site is anticipated to remain geomorphically stable for more than 20 years, but less than 200 years without human intervention. Therefore in much of this area, the Corps of Engineers will have adequate time to perform its work without jeopardizing the integrity of the controlled area. In contrast, two approximately 200-foot (ft) (60-meter [m]) long portions of the stream channel located north-northwest of the encapsulation area are subject to active stream erosion that threatens the integrity of the controlled area. These areas should be fixed by installation of erosion protection rock within the next 2 years

  20. 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...

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

    OpenAIRE

    Howarth, D.

    2009-01-01

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

  2. Optimization of the bank's operating portfolio

    Science.gov (United States)

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

    2016-06-01

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

  3. Streaming gravity mode instability

    International Nuclear Information System (INIS)

    Wang Shui.

    1989-05-01

    In this paper, we study the stability of a current sheet with a sheared flow in a gravitational field which is perpendicular to the magnetic field and plasma flow. This mixing mode caused by a combined role of the sheared flow and gravity is named the streaming gravity mode instability. The conditions of this mode instability are discussed for an ideal four-layer model in the incompressible limit. (author). 5 refs

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

    Science.gov (United States)

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

    2017-12-01

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

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

    Science.gov (United States)

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

    2018-05-01

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

  6. 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.

  7. 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...

  8. 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...

  9. 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…

  10. Transformation of the Polish Banking Sector

    Directory of Open Access Journals (Sweden)

    Marek Stefański

    2009-07-01

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

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

    NARCIS (Netherlands)

    De Haan, J

    1997-01-01

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

  12. 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...

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

    Directory of Open Access Journals (Sweden)

    Aida Hanić

    2017-12-01

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

  14. Channel stability of Turkey Creek, Nebraska

    Science.gov (United States)

    Rus, David L.; Soenksen, Philip J.

    1998-01-01

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

  15. Quality indicators for eye bank

    Directory of Open Access Journals (Sweden)

    Manisha Acharya

    2018-01-01

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

  16. Quality indicators for eye bank.

    Science.gov (United States)

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

    2018-03-01

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

  17. 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.

  18. 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.

  19. 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...

  20. 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.

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

    NARCIS (Netherlands)

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

    2014-01-01

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

  2. 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.

  3. 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.

  4. 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.

  5. Success is in the bank

    Science.gov (United States)

    de Vincent-Humphreys, Rupert

    2008-05-01

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

  6. 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....

  7. 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.)

  8. 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

  9. 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 ...

  10. Bank Governance

    OpenAIRE

    Laura Ard; Alexander Berg

    2010-01-01

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

  11. Microscale Insight into Microbial Seed Banks.

    Science.gov (United States)

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

    2016-01-01

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

  12. 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

  13. 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...

  14. 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.

  15. 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

  16. 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

  17. 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’

  18. 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

  19. 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.

  20. Estabilidad estructural y P en fracciones de agregados en la cuenca del Aº El Divisorio (Coronel Pringles, BA Structural stability and phosphorus in soil aggregate fractions in El Divisorio stream catchment area (Coronel Pringles, Buenos Aires province

    Directory of Open Access Journals (Sweden)

    Josefina Cacchiarelli

    2008-07-01

    Full Text Available En los últimos años la calidad del agua en el embalse Paso de las Piedras se ha visto afectada por la eutrofización, perjudicando la provisión para la población de Bahía Blanca y alrededores. Se ha señalado a la actividad agropecuaria como originaria del aumento de la concentración de fósforo (P en el arroyo El Divisorio, que desemboca en el embalse. El objetivo de este estudio fue cuantificar las relaciones entre algunas propiedades relacionadas con el potencial de contaminación de estos suelos: la estabilidad estructural, la distribución de tamaños de agregados y las concentraciones de las formas de P en los diferentes agregados. Se seleccionaron 16 transectas en lotes de productores a lo largo del curso del arroyo. Se tomaron muestras de suelo (0-5 cm en las posiciones loma (L, media loma (M y bajo (B. Se determinaron los diámetros medios ponderado en seco (DMPs y en húmedo (DMPh, calculándose el cambio en el diámetro medio ponderado (CDMP. Se determinaron los contenidos de P orgánico (Po e inorgánico (Pi en cada una de las posiciones y tamaños de agregados. Si bien los suelos de la cuenca mostraron buenos valores de estabilidad estructural, las fuerzas físicas provenientes de la actividad agrícola favorecieron la destrucción de los agregados menos estables encontrándose gran cantidad de material fino (In the last years, water quality in the Paso de las Piedras reservoir has been affected by eutrophication, leading to problems in the provision of potable water to the population of Bahía Blanca city and surrounding areas. Agricultural activity has been pointed out as the possible non-point source of P contaminating the El Divisorio stream, which flows directly into the reservoir. The objective of this work was to assess some selected edaphic properties associated with the contamination potential of soils such as structural stability, aggregate distribution and concentration of organic (Po and inorganic (Pi P in the

  1. 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.

  2. Heterogeneity across emerging market central bank reaction functions

    Directory of Open Access Journals (Sweden)

    Mesut Turkay

    2017-09-01

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

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

    Directory of Open Access Journals (Sweden)

    Shouwei Li

    2013-01-01

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

  4. 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...

  5. Securities and banking: bridges and walls

    Directory of Open Access Journals (Sweden)

    Tommaso Padoa-Schioppa

    2002-09-01

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

  6. Sources of suspended-sediment flux in streams of the chesapeake bay watershed: A regional application of the sparrow model

    Science.gov (United States)

    Brakebill, J.W.; Ator, S.W.; Schwarz, G.E.

    2010-01-01

    We describe the sources and transport of fluvial suspended sediment in nontidal streams of the Chesapeake Bay watershed and vicinity. We applied SPAtially Referenced Regressions on Watershed attributes, which spatially correlates estimated mean annual flux of suspended sediment in nontidal streams with sources of suspended sediment and transport factors. According to our model, urban development generates on average the greatest amount of suspended sediment per unit area (3,928 Mg/km2/year), although agriculture is much more widespread and is the greatest overall source of suspended sediment (57 Mg/km2/year). Factors affecting sediment transport from uplands to streams include mean basin slope, reservoirs, physiography, and soil permeability. On average, 59% of upland suspended sediment generated is temporarily stored along large rivers draining the Coastal Plain or in reservoirs throughout the watershed. Applying erosion and sediment controls from agriculture and urban development in areas of the northern Piedmont close to the upper Bay, where the combined effects of watershed characteristics on sediment transport have the greatest influence may be most helpful in mitigating sedimentation in the bay and its tributaries. Stream restoration efforts addressing floodplain and bank stabilization and incision may be more effective in smaller, headwater streams outside of the Coastal Plain. ?? 2010 American Water Resources Association. No claim to original U.S. government works.

  7. 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.

  8. Modeling Air Temperature/Water Temperature Relations Along a Small Mountain Stream Under Increasing Urban Influence

    Science.gov (United States)

    Fedders, E. R.; Anderson, W. P., Jr.; Hengst, A. M.; Gu, C.

    2017-12-01

    Boone Creek is a headwater stream of low to moderate gradient located in Boone, North Carolina, USA. Total impervious surface coverage in the 5.2 km2 catchment drained by the 1.9 km study reach increases from 13.4% in the upstream half of the reach to 24.3% in the downstream half. Other markers of urbanization, including culverting, lack of riparian shade vegetation, and bank armoring also increase downstream. Previous studies have shown the stream to be prone to temperature surges on short timescales (minutes to hours) caused by summer runoff from the urban hardscaping. This study investigates the effects of urbanization on the stream's thermal regime at daily to yearly timescales. To do this, we developed an analytical model of daily average stream temperatures based on daily average air temperatures. We utilized a two-part model comprising annual and biannual components and a daily component consisting of a 3rd-order Markov process in order to fit the thermal dynamics of our small, gaining stream. Optimizing this model at each of our study sites in each studied year (78 total site-years of data) yielded annual thermal exchange coefficients (K) for each site. These K values quantify the strength of the relationship between stream and air temperature, or inverse thermal stability. In a uniform, pristine catchment environment, K values are expected to decrease downstream as the stream gains discharge volume and, therefore, thermal inertia. Interannual average K values for our study reach, however, show an overall increase from 0.112 furthest upstream to 0.149 furthest downstream, despite a near doubling of stream discharge between these monitoring points. K values increase only slightly in the upstream, less urban, half of the reach. A line of best fit through these points on a plot of reach distance versus K value has a slope of 2E-6. But the K values of downstream, more urbanized sites increase at a rate of 2E-5 per meter of reach distance, an order of magnitude

  9. 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.

  10. 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.

  11. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  12. 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.

  13. Acoustic Streaming and Its Suppression in Inhomogeneous Fluids

    DEFF Research Database (Denmark)

    Karlsen, Jonas Tobias; Qiu, Wei; Augustsson, Per

    2018-01-01

    We present a theoretical and experimental study of boundary-driven acoustic streaming in an inhomogeneous fluid with variations in density and compressibility. In a homogeneous fluid this streaming results from dissipation in the boundary layers (Rayleigh streaming). We show...... that in an inhomogeneous fluid, an additional nondissipative force density acts on the fluid to stabilize particular inhomogeneity configurations, which markedly alters and even suppresses the streaming flows. Our theoretical and numerical analysis of the phenomenon is supported by ultrasound experiments performed...

  14. 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.

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

    Directory of Open Access Journals (Sweden)

    Ivanović Valentina

    2014-05-01

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

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

    Science.gov (United States)

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

    2005-05-01

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

  17. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

    Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

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

    OpenAIRE

    Ruiz-Porras, Antonio

    2008-01-01

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

  19. The Challenges of Basel III for Romanian Banking System

    OpenAIRE

    Anca Elena NUCU

    2011-01-01

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

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

    OpenAIRE

    Fathurrahman, Ayief

    2012-01-01

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

  1. 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...

  2. 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...

  3. 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....

  4. 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...

  5. 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...

  6. Liquidity Risk and its Management in Lithuanian Banking System

    Directory of Open Access Journals (Sweden)

    Erika Bareikaitė

    2014-04-01

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

  7. 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...

  8. 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...

  9. 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

  10. 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...

  11. 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...

  12. 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 ...

  13. 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...

  14. 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.

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

    Directory of Open Access Journals (Sweden)

    Ciupac-Ulici Maria-Lenuta

    2013-07-01

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

  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. Banking Union- Present Stage and its Perspectives

    Directory of Open Access Journals (Sweden)

    Petre Prisecaru

    2014-05-01

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

  5. A new paradigm of modern central banking

    Directory of Open Access Journals (Sweden)

    Aleksandra Szunke

    2013-05-01

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

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

    OpenAIRE

    Muhammad Mehtab Azeem; Akin Marsap; Cigdem Ozari

    2015-01-01

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

  7. 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.

  8. Market liquidity and financial stability.

    OpenAIRE

    Crockett, A.

    2008-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Murti Lestari

    2010-05-01

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

  10. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  11. 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

  12. 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...

  13. 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.

  14. 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.

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

    Science.gov (United States)

    Edward A. Hansen

    1968-01-01

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

  16. METHODS OF ANALYSIS OF THE FINANCIAL STATEMENTS OF BANKS

    Directory of Open Access Journals (Sweden)

    Natal’ya A Prodanova

    2016-01-01

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

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

    NARCIS (Netherlands)

    Sleddens, Linda Elsa Wilhelmina

    2011-01-01

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

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

    NARCIS (Netherlands)

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

    2008-01-01

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

  19. 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...

  20. Central Bank Independence and Inflation IN EU-28

    Directory of Open Access Journals (Sweden)

    Beju Daniela-Georgeta

    2017-12-01

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

  1. Unanswered Quibbles with Fractional Reserve Free Banking

    Directory of Open Access Journals (Sweden)

    Philipp Bagus

    2011-07-01

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

  2. SUPERVISION OF CREDIT INSTITUTIONS SIGNIFICANT RISKS TO FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    LUCIAN-ION MEDAR

    2014-12-01

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

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

    OpenAIRE

    Magdalena RĂDULESCU; Marinela TANASCOVICI

    2012-01-01

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

  4. 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.)

  5. 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.

  6. 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.

  7. An Alternative to Channel-Centered Views of the Landscape for Understanding Modern Streams in the Mid-Atlantic Piedmont Region, Eastern USA

    Science.gov (United States)

    Merritts, D. J.; Walter, R. C.; Rahnis, M. A.; Oberholtzer, W.

    2008-12-01

    older) alluvial fans and fan pediments at tributary confluences. Two-dimensional views along incised stream banks give the appearance of overbank sediment atop stream bed gravel, but the fine- grained bank (1-5 m) is mostly the result of slackwater sedimentation from damming, whereas the underlying gravel polygenetic in origin. The gravel is Pleistocene or older in age, and not the result of active stream channel migration and point-bar formation during the Holocene. The Holocene warm period was dominated by valley-bottom stability and widespread wetland formation, fostered by beaver activity. Modern stream channel forms are largely the result of incision and bank erosion in response to dam breaching and base- level fall, not hydraulic adjustment to prevailing (or changed) supplies of sediment and water. Rather, channel dimensions are controlled by thickness of historic sediment (i.e., dam height and distance upstream of dam) and depth of incision. Changes in slope (i.e., rapid base-level fall), rather than changes in sediment supply and runoff, are powerful determinants of modern channel forms, and there are no pre-settlement forms for comparison. At present, there is an "impedance mismatch" between those with channel-centered views and those who view the deeply weathered mid-Atlantic landscape as the result of hundreds of thousands to millions of years of slow landscape evolution.

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

    OpenAIRE

    Pablo Federico; Francisco F. Vazquez

    2012-01-01

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

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

    Directory of Open Access Journals (Sweden)

    David Delia

    2010-07-01

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

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

    OpenAIRE

    Mandron V.; Buzaeva O.

    2016-01-01

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

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

    OpenAIRE

    Magdalena RADULESCU

    2014-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Magdalena RĂDULESCU

    2012-09-01

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

  3. 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

  4. 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...

  5. 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.

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

    Directory of Open Access Journals (Sweden)

    Dorina CLICHICI

    2014-04-01

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

  7. 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...

  8. 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

  9. 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

  10. 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...

  11. 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-...

  12. 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.

  13. 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)

  14. 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

  15. 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…

  16. 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

  17. 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

  18. 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

  19. 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

  20. 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

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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.)

  7. 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.

  8. 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

  9. 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...

  10. 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

  11. Sediment transport and channel morphology of small, forested streams.

    Science.gov (United States)

    Marwan A. Hassan; Michael Church; Thomas E. Lisle; Francesco Brardinoni; Lee Benda; Gordon E. Grant

    2005-01-01

    This paper reviews sediment transport and channel morphology in small, forested streams in the Pacific Northwest region of North America to assess current knowledge of channel stability and morphology relevant to riparian management practices around small streams. Small channels are defined as ones in which morphology and hydraulics may be significantly influenced by...

  12. 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...

  13. Framework for Preserving Financial Stability in Montenegro

    Directory of Open Access Journals (Sweden)

    Žugić Radoje

    2014-01-01

    Full Text Available The global financial crisis has challenged the traditional monetary policy framework of one instrument (short-term interest rates - one objective (price stability. More and more central banks nowadays consider financial stability as a monetary policy objective, whereas the Central Bank of Montenegro is the only one that has identified financial stability as its primary objective. As this is a relatively new objective, all central banks endeavouring to attain this objective have been facing numerous difficulties. Therefore, the article analyzes some of these difficulties such as defining financial (instability, the selection of indicators, macroeconomic environment for preserving financial stability, and the like. The main objective of the paper is to analyse the framework for preserving financial stability in Montenegro and the challenges that the Central Bank of Montenegro has been facing in accomplishing this objective

  14. Soil stabilization 1982

    Science.gov (United States)

    Barenberg, E. J.; Thompson, M. R.; Tayabji, S. D.; Nussbaum, P. J.; Ciolko, A. T.

    Seven papers cover the following areas: design, construction and performance of lime, fly ash, and slag pavement; evaluation of heavily loaded cement stabilized bases; coal refuse and fly ash compositions; potential highway base course materials; lime soil mixture design considerations for soils of southeastern United States; short term active soil property changes caused by injection of lime and fly ash; soil cement for use in stream channel grade stabilization structures; and reaction products of lime treated southeastern soils.

  15. 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

  16. 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.

  17. 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

  18. 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

  19. Comparing Between Commercial and Investment Banking: A Case Study from Iraq

    Directory of Open Access Journals (Sweden)

    Dr. Majeed Mohsen

    2016-11-01

    Full Text Available The research aim is to evaluating investment and commercial banking to led the investor who want to be shareholder in equity to the suitable banking in Iraqi environment, which banking is suitable for risk averse and which is suitable for risk seeker, by comparing between depending on market attractiveness and business strength by comparing between Iraqi’s investment and commercial banking for the period (2010-2014, it is evaluate market attractiveness by using banking return, banking risk, banking size, and banking stability and business strength by using market share (competition, and banking development. The data were from financial report used for statistical testing of difference between two means for comparing instead of comparing between variables directly by using t-test between means. The result explained there wasn’t difference between the two banking marketing, but commercial banking was more total risk than investment banking and systematic risk was the most in both banking. Research conclusion the risky environment, is resulting the conservative depositors decreasing the project, and weak effect of globalization on banking, that is resulting nearly same strategies to avoid internal risk by trying to create safely internal environment depending on strategy of less risk through minimizing unsystematic risks which reduce the ability on diversification which led to weak globalization’s effect.

  20. 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 ...

  1. 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.

  2. Defense Waste Processing Facility Recycle Stream Evaporation

    International Nuclear Information System (INIS)

    STONE, MICHAEL

    2006-01-01

    The Defense Waste Processing Facility (DWPF) at the Savannah River Site (SRS) stabilizes high level radioactive waste (HLW) by vitrification of the waste slurries. DWPF currently produces approximately five gallons of dilute recycle for each gallon of waste vitrified. This recycle stream is currently sent to the HLW tank farm at SRS where it is processed through the HLW evaporators with the concentrate eventually sent back to the DWPF for stabilization. Limitations of the HLW evaporators and storage space constraints in the tank farm have the potential to impact the operation of the DWPF and could limit the rate that HLW is stabilized. After an evaluation of various alternatives, installation of a dedicated evaporator for the DWPF recycle stream was selected for further evaluation. The recycle stream consists primarily of process condensates from the pretreatment and vitrification processes. Other recycle streams consist of process samples, sample line flushes, sump flushes, and cleaning solutions from the decontamination and filter dissolution processes. The condensate from the vitrification process contains some species, such as sulfate, that are not appreciably volatile at low temperature and could accumulate in the system if 100% of the evaporator concentrate was returned to DWPF. These species are currently removed as required by solids washing in the tank farm. The cleaning solutions are much higher in solids content than the other streams and are generated 5-6 times per year. The proposed evaporator would be required to concentrate the recycle stream by a factor of 30 to allow the concentrate to be recycled directly to the DWPF process, with a purge stream sent to the tank farm as required to prevent buildup of sulfate and similar species in the process. The overheads are required to meet stringent constraints to allow the condensate to be sent directly to an effluent treatment plant. The proposed evaporator would nearly de-couple the DWPF process from the

  3. Western Balkans’ Banking Sector Performance in Terms of Macroeconomic and Bank Specific Efficiency Determinants

    Directory of Open Access Journals (Sweden)

    Lindita Varesi

    2015-02-01

    Full Text Available Main objective of this study is to analyse banking efficiency and productivity considering evidences from Western Balkan countries in pre-crisis, during and the recovery period. Referring to the historic background and the transformations suffered, the WB countries have developed bank based financial structure so the soundness of the banking sector is significantly important for the stability and progress of their economies on the long run. The problems faced by the last recession, the deteriorated macroeconomic indicators and weak, inefficient banking sector translated in slow recovery rates, encouraged this study. Prior studies have been mainly focused in causes and effects of crisis in different sectors of economies while this paper presents relations and dependencies between the macroeconomic and bank specific efficiency determinants. The methodology used is the comparison between countries and as method the financial ratio analysis, intending the presentation of trends and evaluation of changes in efficiency, profitability and performance indicators during 2000- 2007 comparing with 2008-2013. Results that the banking sector profitability indicators follow the same negative trend with the economic growth rates and the recovery rates are lower than the forecasted. The results can be used by performance monitors to better identify vulnerabilities and examine uncertainties/risks.

  4. Risk of Debt-Based Financing in Indonesian Islamic Banking

    Directory of Open Access Journals (Sweden)

    Kharisya Ayu Effendi

    2017-05-01

    Full Text Available The purpose of this study is to know the risk of debt-based financing in Islamic banking in Indonesia by using an accounting based calculation, those are NPF analysis, Credit risk Z-score and Altman Z-score. This study is telling about the risk of debt-based finacing on Indonesian Islamic banking using an accounting based measurement, those are NPF analysis, Credit Risk Z-score analysis and Altman Z-score analysis. The data was obtained from 2011 to 2015 from the website of each bank. The result is a risk on debt-based financing on Indonesian Islamic banking is low. The measurement using 3 accounting based measurement tool gives a consistent result, that is Indonesian Islamic banking use a debt-based financing have a high financial stability and a low risk.DOI: 10.15408/aiq.v9i2.4821

  5. The Sovereign Debt Crisis in Europe, Save Banks Not States

    Directory of Open Access Journals (Sweden)

    Schäfer, Hans-Bernd

    2012-08-01

    Full Text Available The European central bank is a bank of banks but not a bank of states. This reduces the capabilities of member states to finance deficits. The role of the central bank to cope with the debt crises is institutionally more limited than in most other Western countries. The European Stability Mechanism has not enough financial power to bail out all distressed countries in the Eurozone. Eurobonds could increase lending capacities but would require a change of the European treaty, which is not in sight. They violate the no bail out clause of Art.125 of the Treaty on the Functioning of the European Union. The policy option is therefore debt restructuring of distressed countries and a bailout of financial institutions to avoid conflagration. This option would also shift some of the burden to creditors outside the Eurozone rather than to shift all risk on the people in solvent countries within the Eurozone.

  6. Corporate governance in banks: Problems and remedies

    Directory of Open Access Journals (Sweden)

    Monika Marcinkowska

    2012-05-01

    Full Text Available Weak and ineffective corporate governance mechanisms in banks are pointed out as the main factors contributing to the recent financial crisis. Deep changes in this area are necessary to reinforce the financial sector stability. The paper presents key aspects requiring reforms: the role, constitution and accountability of board, risk management, management remuneration, transparency. New regulations and guidance are presented, creating the foundations for a new order of the financial market. The paper also points out the banks’ stakeholders’ accountability.

  7. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

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

  8. Protein Data Bank (PDB)

    Data.gov (United States)

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

  9. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

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

  10. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

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

  11. Mitigation Banking Factsheet

    Science.gov (United States)

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

  12. 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...

  13. ANALISIS KOMPARATIF DAN EKSPLORATIF TERHADAP KUALITAS PELAYANAN BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA PEKALONGAN

    Directory of Open Access Journals (Sweden)

    Nalim Nalim

    2015-12-01

    Full Text Available Abstract: For the last ten years, the focus for sharia trading industry has shifted from emphasising on price to service quality. Some of the reasons for this are: the rise of banking industry rivalry, stable business environment, more challenges faces, modern technology and the increasing number of service provider systems. Additionally, within the global market, the service quality has become more prominent in surviving the banking industry. Furthermore, the service quality also influences customers' satisfactory level. For these reasons, I am interested in researching further about service quality in banking industry. This study aims at (1 finding out factors that influence customers' banking choice (sharia and conventional banks, finding out service index comparison between sharia and conventional banks, and finding out the service quality difference between sharia and conventional banks. The instrument used to compare the service quality was SERVQUAL. The data was descriptively analysed and comparatively analysed using T-test. Descriptive analysis was employed to find out the emerging patterns within the data while the T-test was utilised to analyse the correlation among variables in the questionnaire. The result of the study indicated that there were four components (tangibleness, assurance, reliability and empathy of the service quality which ranked the highest, scoring 3.69. The similar result of highest score of tangibleness, scoring 3.65, was also indicated for conventional bank. Additionally, the result of the study also indicated that sharia bank scored higher in terms of its quality on the point of 3.53, while conventional bank was on the point of 3.50. Abstrak: Sejak sepuluh tahun terakhir, fokus strategis layanan industri ritel perbankan telah mengalami pergeseran dari harga (price menuju kepada kualitas pelayanan (service quality. Alasannya adalah karena munculnya persaingan, tantangan yang berat, lingkungan bisnis yang stabil

  14. How Does Distress Acquisition Incentivized by Government Purchases of Distressed Loans Affect Bank Default Risk?

    Directory of Open Access Journals (Sweden)

    Jyh-Jiuan Lin

    2018-04-01

    Full Text Available The topic of bank default risk in connection with government bailouts has recently attracted a great deal of attention. In this paper, the question of how a bank’s default risk is affected by a distress acquisition is investigated. Specifically, the government provides a bailout program of distressed loan purchases for a strong bank to acquire a bank in distress. The acquirer bank may likely refuse the acquisition with a bailout when the amount of distressed loan purchases is large or the knock-out value of the acquired bank is high. When the acquirer bank realizes acquisition gains, the default risk in the consolidated bank’s equity return is negatively related to loan purchases, but positively to the knock-out value of the acquired bank. The government bailout, as such, in large part contributes to banking stability.

  15. 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.

  16. 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...

  17. 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 ...

  18. 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

  19. 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...

  20. 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.

  1. 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.

  2. Acoustic Streaming and Its Suppression in Inhomogeneous Fluids.

    Science.gov (United States)

    Karlsen, Jonas T; Qiu, Wei; Augustsson, Per; Bruus, Henrik

    2018-02-02

    We present a theoretical and experimental study of boundary-driven acoustic streaming in an inhomogeneous fluid with variations in density and compressibility. In a homogeneous fluid this streaming results from dissipation in the boundary layers (Rayleigh streaming). We show that in an inhomogeneous fluid, an additional nondissipative force density acts on the fluid to stabilize particular inhomogeneity configurations, which markedly alters and even suppresses the streaming flows. Our theoretical and numerical analysis of the phenomenon is supported by ultrasound experiments performed with inhomogeneous aqueous iodixanol solutions in a glass-silicon microchip.

  3. 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

  4. 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. �

  5. The Structural Reform for EU Banks:Does It Works

    DEFF Research Database (Denmark)

    Hu, Chenchen

    2015-01-01

    watered down due to the narrowed scope of the tier 2 banks and its strength on curbing subsidization. On (2), the BSR mainly stresses reducing the ‘probability of failure’, but not much the ‘impact of failure’, i.e. it does not provides material provisions on cooperation between structural reform...... and resolution reform. Putting aside other technical leaks in enhancing stability and safety of banks, that cast significant doubt on its capacity to enhance resolvability....

  6. Paddys Run Streambank Stabilization Project at the Fernald Preserve, Harrison, OH

    Energy Technology Data Exchange (ETDEWEB)

    Hooten, Gwendolyn [Dept. of Energy (DOE), Legacy Management; Hertel, Bill [Navarro Research and Engineering; Homer, John [Navarro Research and Engineering

    2016-03-01

    The Fernald Preserve is a former uranium-processing plant that underwent extensive remediation pursuant to CERCLA and is now managed by the US DOE Office of Legacy Management. While remediation of buildings and soil contamination was completed in 2006, aquifer remediation is ongoing. Paddys Run is a second-order stream that runs to the south along the western side of the Fernald Preserve. The Paddys Run watershed encompasses nearly 41 km2 (16 mi2), including most of the Fernald site. Field personnel conducting routine site inspections in March 2014 observed that Paddys Run was migrating east via bank erosion into the “Pit 3 Swale,” an area of known surface-water contamination. The soil there was certified pursuant to site regulatory agreements and meets all final remediation levels. However, weekly surface-water monitoring is conducted from two puddles within the swale area, when water that exceeds the final remediation levels is present. Paddys Run had migrated east approximately 4 m (13 ft) in 2 years and was approximately 29 m (95 ft) from the sample location. This rapid migration threatened existing conditions that allowed for continued monitoring of the swale area and also threatened Paddys Run water quality. Therefore, DOE and regulators determined that the east bank of Paddys Run required stabilization. This was accomplished with a design that included the following components: relocation of approximately 145 m (475 ft) of streambed 9 m (30 ft) west, installation of a rock toe along the east bank, installation of two cross-vane in-stream grade-control structures, stabilization of a portion of the east bank using soil encapsulated lifts, and regrading, seeding, and planting within remaining disturbed areas. In an effort to take advantage of low-flow conditions in Paddys Run, construction was initiated in September 2014. Weather delays and subsurface flow within the Paddys Run streambed resulted in an interim shutdown of the project area in December 2014

  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. Basel III and prudent risk management in banking: Continuing the cycle of fixing past crises

    Directory of Open Access Journals (Sweden)

    François Laurens

    2012-09-01

    Full Text Available Financial crises have had a significant impact on bank regulation and supervision. Reforms are often focussed on correcting past failings. Following the 2007 financial crisis, Basel III reforms have been introduced with a view to promote a more resilient banking sector and to improve the banking sector’s ability to absorb shocks arising from financial distress. A review of the Basel III reforms and the literature on the link between capital adequacy regulations and bank stability indicates that these regulations are unlikely to prevent the failure of banks resulting in systemic crises

  9. Are Banks Passive Liquidity Backstops? Deposit Rates and Flows during the 2007-2009 Crisis

    OpenAIRE

    Viral V. Acharya; Nada Mora

    2012-01-01

    Can banks maintain their advantage as liquidity providers when they are heavily exposed to a financial crisis? The standard argument - that banks can - hinges on deposit inflows that are seeking a safe haven and provide banks with a natural hedge to fund drawn credit lines and other commitments. We shed new light on this issue by studying the behavior of bank deposit rates and inflows during the 2007-09 crisis. Our results indicate that the role of the banking system as a stabilizing liquidit...

  10. 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.

  11. 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...

  12. 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.

  13. 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

  14. 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.

  15. Temporally variable macroinvertebrate-stone relationships in streams

    DEFF Research Database (Denmark)

    Jacobsen, D.

    2005-01-01

    of fauna parameter and stone variable from different sampling dates (n=9-11) were rarely correlated to any of the measures of stream stability, this study has demonstrated high temporal variability in fauna-stone relationships (CV's of regression slopes). Consequently, temporally un-replicated studies......Stones were used to sample macroinvertebrates and characterise microhabitats at monthly or bimonthly intervals in six Ecuadorian streams covering a gradient in four different stability measures and other stream characteristics. The physical variables current velocity, water depth, horizontal...... of families vs. individuals) were related to the physical characteristics of individual stone habitats. My second objective was to quantify temporal variability in fauna-stone relationships and to analyse if such variability was related to overall stability of stream reaches. Partial Least Squares (PLS...

  16. 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.

  17. The Impact of Internal Factors on Bank Profitability in Kosovo

    Directory of Open Access Journals (Sweden)

    Leonora Haliti Rudhani

    2016-02-01

    Full Text Available Commercial banks play an important role in the economic development and financial stability; therefore this study investigated the influence of internal factors in the profitability of commercial banks in Kosovo. Based on the literature review, a crucial internal factor on the profitability of banks in Kosovo was deemed: the repayment of assets (ROA as a measure of profitability influenced by other independent variables, such as: bank size, capital adequacy, loan and liquidity risk. The aim of this study is to investigate the empirical relation between internal factors determining bank profitability and profitability as a dependent variable. The empirical analysis is based on the data of commercial banks in Kosovo published in the period 2010-2014. The data were analysed with SPSS 21 version, and the hypotheses were tested by means of correlation and linear regression. The findings of the study proved that commercial banks in Kosovo could enlarge their profitability by increasing the level of bank loaning and other investments, except for managing risk and liquidity properly.

  18. Commercial banking in the conditions of deregulation vs. reregulation

    Directory of Open Access Journals (Sweden)

    Zaklan Damir

    2014-01-01

    Full Text Available This paper examines contemporary trends in commercial banking, confronting the stages of deregulation and reregulation in this field triggered by the global mortgage crisis. Under deregulatory conditions the competitive position of banks has toughened, and they reacted to it by intensifying: marketization, i.e. globalization, concentration, securitization and conglomeration, and by turning to the profit-oriented risk management of their activity. The contraction of their interest margin was thus neutralized by the reduction of operational costs and loss provisions, and by an increase in non-interest revenues, thereby maintaining banking profitability. The recent crisis has pinpointed the necessity of firmer regulation or reregulation of the banking sector, aimed at reducing its systemic risk, the most important aspect of which being the stricter international banking capital and liquidity standards, along with the requirement to adequately treat systemically important banks. Reregulation should strengthen capitalization and liquidity; mitigate the volume, concentration, internationalization and business dispersion, hence improving the supervision of the banking sector, implying its lower, yet more stable profitability. Such an impact of the adopted section of targeted regulatory measures has been indicated by higher liquidity, lower globalization, slower concentration and securitization, and stabilization-oriented risk management activities of today's banks. Their growth and profitability have shrunk.

  19. Determining Factors of Deposit Level of Islamic Bank in Indonesia

    Directory of Open Access Journals (Sweden)

    Sofyan Baehaqie

    2017-05-01

    Full Text Available One Way to maintain the stability of banking industry is by applying the deposit insurance scheme. The application of the deposit insurance scheme has an impact by increasing the level of bank deposits. The objectives of the research are to identify the factors affecting the level of deposits of Islamic banks in Indonesia and managerial implications regarding to the functions of Indonesia Deposit Insurance Corporation (LPS. The technique used is the panel data regression with fixed effect model using the data from the 11 Islamic banks for the period of 2011 -2015. The results show that the factors affecting the level of deposits of the Islamic banks in Indonesia significantly and positively include the size of banks and their non-performing financing (NPF; however, they influence the capital negatively. Based on these results, LPS is required to build or sharpen the surveillance systems as part of its early detection by doing the mapping based on the size and to monitor the bank capital structure and bank finance portfolio structure.DOI: 10.15408/aiq.v9i2.5156

  20. 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.

  1. 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...

  2. 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.

  3. 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

  4. IMPLICATIONS OF CROSS-BORDER MERGERS AND ACQUISITIONS IN THE POLISH BANKING SECTOR IN THE CONTEXT OF THE GLOBAL FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    ZBIGNIEW KORZEB

    2010-01-01

    Full Text Available The article presents the implications of the global financial crisis upon the Polish banking sector, formed under the influence of cross-border mergers and acquisitions. It illustrates the consequences of financial problems of foreign strategic shareholders in banks operating in Poland upon the stability of the entire banking system. It presents the proposed future directions of action to protect the stability of the banking system. It seems that in the case of a banking system as special as the Polish one, the key role will belong to the quality of the three main pillars of control over the work of banks: supervisory institutions, market discipline an corporate governance.

  5. 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.

  6. 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.

  7. 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.

  8. 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

  9. 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.

  10. The need for liquidity and the capital structure of Swedish Banks following the financial crisis

    Directory of Open Access Journals (Sweden)

    Victor Nilsson

    2014-04-01

    Full Text Available Banks had a large part in the developments taking place in the years after the outbreak of the crisis in 2007, as many banks had an excessively low capital base, involving too much risk in its businesses. In this study, the largest four banks in Sweden have been investigated. The financial crisis affected the banks differently, depending on the markets of expansion. Excessive risk-taking has been found, where one bank expanded aggressively into new markets and did not appreciate the risks on these new markets. CEO compensation and risk seeking boards are factors that might have caused such behaviour. All of the banks have made noticeable changes to their capital structure, increasing it annually, accompanied by a risk-reduction movement in their assets to improve the stability in most of the banks. The new regulation’s focus on both quality and quantity is in accordance with the views that are expressed in the framework. The banks have altered their goals to levels several per cent above the regulations, in contrast to before the crisis when they were often as close as possible. The impact of the new liquidity regulations has been limited, as the banks continue to work with their internal measures. The banks have all changed their view of capital ratio and liquidity, where many of the banks have doubled the amount of these posts and now find these measures to be both beneficial and a way to gain trust and stability

  11. 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.

  12. THE EUROPEAN BANKING UNION AND ROMANIA. THE IMPACT OF THE NEW EUROPEANLEGAL FRAME ON THE ROMANIAN FINANCIAL AND BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Dan-Adrian Cărămidariu

    2014-11-01

    Full Text Available The paper studies from a legal and economical perspective the European Banking Union, the latest set of measures adopted by the European Union in order to assure the stability of Europe’s financial and banking system and to prevent future crises. At the same time, the paper analyzes the influence this new institutional and legal mechanism could have on the Romanian financial and banking system, if our country is to take part in the European Banking Union. The paper will discuss the four European legal texts, namely the EU Regulation No 575/2013 and the three directives concerning the capital requirements for the banking system, the recovery and resolution of credit institutions and the deposit guarantee schemes, which, together, set up the European Banking Union’s legal frame. Further, the paper will study the implementation and the transposition of these European provisions into national law. The study’s conclusions will take into consideration the advantages and disadvantages connected to Romania’s participation to the European Banking Union, by showing that, in the context of the introduction of the single currency, the participation to the Banking Union is a necessary exercise.

  13. 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

  14. 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

  15. BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

    Directory of Open Access Journals (Sweden)

    Copil Crina Angela

    2014-07-01

    have a special purpose, they are necessary operations of draining the bank life by the absorption of the banks without stability by those with potential of economical and managerial stable capital. It is well known that the great banks, very strong and well consolidated created in the process of mergers and acquisitions have another potential in maintenance of the flux of profit and the balanced increase of the profitableness, having a great impact on the economy. The contribution consists in combining some conceptual elements with some empirical aspects, with the process of bank concentration created by acquisitions and fusions that leads to the elimination of some bank entitites that are not credible and stable and maintenance of those that are efficient, useful and credible for the client and for the Romanian society. The subject is a present one in the entire world, in a continuous change and adapting to the existent tendencies in the entire world, having a major impact also on the Romanian bank market, on the bank financial institutions that in order to face the competition have directed their strategies for the diversification of the risks.

  16. 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...

  17. 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...

  18. Basel III implementation: Issues and challenges for Indian banks

    Directory of Open Access Journals (Sweden)

    M. Jayadev

    2013-06-01

    Full Text Available The Basel III framework, whose main thrust has been enhancing the banking sector's safety and stability, emphasises the need to improve the quality and quantity of capital components, leverage ratio, liquidity standards, and enhanced disclosures. This article first lays the context of Basel III and then incorporates the views of senior executives of Indian banks and risk management experts on addressing the challenges of implementing the Basel III framework, especially in areas such as augmentation of capital resources, growth versus financial stability, challenges for enhanced profitability, deposit pricing, cost of credit, maintenance of liquidity standards, and strengthening of risk architecture.

  19. 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...

  20. 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.

  1. Risk Contagion in Chinese Banking Industry: A Transfer Entropy-Based Analysis

    Directory of Open Access Journals (Sweden)

    Jianping Li

    2013-12-01

    Full Text Available What is the impact of a bank failure on the whole banking industry? To resolve this issue, the paper develops a transfer entropy-based method to determine the interbank exposure matrix between banks. This method constructs the interbank market structure by calculating the transfer entropy matrix using bank stock price sequences. This paper also evaluates the stability of Chinese banking system by simulating the risk contagion process. This paper contributes to the literature on interbank contagion mainly in two ways: it establishes a convincing connection between interbank market and transfer entropy, and exploits the market information (stock price rather than presumptions to determine the interbank exposure matrix. Second, the empirical analysis provides an in depth understanding of the stability of the current Chinese banking system.

  2. THE NEED OF BANK RESOLUTION TOOLS FOR THE SAVING THE CREDIT INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Irina-Elena CHIRTOC

    2017-12-01

    Full Text Available Prudential supervision of credit institutions by the national authority leads to better their financial stability, especially in times of financial crisis. Governance and bank resolution of credit institutions posing systemic importance are two distinct functions that are monitored by the central bank as the national supervisory authority of the banking system.. Identify risks and vulnerabilities of the banking system's financial components are an important task of the national supervisory authority. Banking Resolution as extreme activity may be a consequence of ineffective corporate governance of credit institutions. The emergence and development of failures in corporate governance of financial institutions and inadequate allocation of funds to support their activities may affect the financial stability of credit institutions and hence the banking system.

  3. 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

  4. 12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

    Science.gov (United States)

    2010-01-01

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

  5. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

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

    1986-01-01

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

  6. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

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

  7. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

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

  8. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

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

  9. 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.

  10. ROLE OF DEPOSIT POLICY FOR UKRAINIAN BANKING INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Nadezhda Bova

    2015-11-01

    Full Text Available The purpose of the paper is to define and demonstrate the role of deposit policy for banking institutions, summarize and highlight the problems and its solutions in deposit policy of Ukraine that provides economic downturn and recovery. Appropriate selection and implementation of the deposit policy objectives, its operational structure and tools determines the degree of development of financial inclusion, which generate developed financial market, ensures public confidence to the deposit services, and increases the level of savings that positively affects the banking system financial stability and economy in the country in whole. It is because of availability and security deposit services, commercial banks of Ukraine have the opportunity to increase its resource base due to savings of the population. Methodology. The paper is based on a synthesis of data to explore the bank deposit policy situation. The paper considers the scientific and theoretical approaches for the developing the deposit policy management. It contains the analysis of the dynamics and current situation and conditions of the resource potential of banking institutions in Ukraine. Results of the article shows direct dependency between savings, consumption and deposit policy, therefore every banking institution includes the mechanism of banking management of the development and implementation of deposit policy. Also, this management defines the deposit policy directions according to the conditions of bank resources mobilization and its applying in active operations. The obtained results confirm that the term “deposit policy” is too complex, but it is investigated in interaction with banking activity. It is explained how deposit policy influences banking system and has impact on economic growth in general. Practical implications. The research creates methodological approaches to the measurement of effectiveness of deposit policy. Also, it studies the existing ones. It provides

  11. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  12. The influence of bank employees on bank customer relationship management

    Directory of Open Access Journals (Sweden)

    C. Rootman

    2007-12-01

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

  13. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

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

  14. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

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

  15. 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.

  16. 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...

  17. 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 ...

  18. 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

  19. 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 ...

  20. DEPOSIT INSURANCE SYSTEM: AN EXPOSITION FOR THE ISLAMIC BANKS IN MALAYSIA

    OpenAIRE

    Abdullah, Sharifah Adlina Syed; Ahmad, Rubi

    2012-01-01

    An important aspect of the new financial landscape is the increased focus on financial stability. A deposit insurance (DI) system accomplishes this purpose. While there are a great number of earlier studies that analyze the impact of DI on the conventional banking system, there is a lack of study that takes into account the moral hazard problem of DI on the Islamic banking system. Our paper aims to investigate the moral hazard implication by way of bank risk taking trailing the introduc...

  1. Legal Instruments of Regulation of Development of Banking Activity in Ukraine

    Directory of Open Access Journals (Sweden)

    Senyshch Pavlo M.

    2014-03-01

    Full Text Available The article considers main approaches to identification of essence of legal instruments of regulation of development of the banking activity, identifies the mechanism of legal regulation of the banking activity and its elements and justifies the system and form of legal regulation of the banking activity in Ukraine. It describes subjects of legal regulation of the banking activity at the international level, which are the Basel Committee on Banking Supervision, European Central Bank, IMF, International Financial Reporting Standards Foundation and others. The article considers specific features of the regulatory requirements of Basel II and Basel III and specific features of their introduction into the banking activity. It describes anti-cyclic measures offered by the Basel Committee, which should facilitate formation of such conditions, under which the banking sector could have a lower level of leverage and stability with respect to influence of system risks. Significant attention is paid to international instruments of regulation of the banking activity, which include the following legal acts: Uniform Rules for Collections, Uniform Customs and Practice for Documentary Credits, and Unified Rules for Loan Guarantees. The article shows that the share of subordinate legal acts is significant in the Ukrainian system of banking regulatory and legal acts since the state cannot operatively react to the changing processes in banking at the legislative level and, that is why, basic provisions on carrying out banking activity should be fixed in law.

  2. Sediment transport simulation in an armoured stream

    Science.gov (United States)

    Milhous, Robert T.; Bradley, Jeffrey B.; Loeffler, Cindy L.

    1986-01-01

    Improved methods of calculating bed material stability and transport must be developed for a gravel bed stream having an armoured surface in order to use the HEC-6 model to examine channel change. Good possibilities exist for use of a two layer model based on the Schoklitsch and the Einstein-Brown transport equations. In Einstein-Brown the D35 of the armour is used for stabilities and the D50 of the bed (sub-surface) is used for transport. Data on the armour and sub-surface size distribution needs to be obtained as part of a bed material study in a gravel bed river; a "shovel" sample is not adequate. The Meyer-Peter, Muller equation should not be applied to a gravel bed stream with an armoured surface to estimate the initiation of transport or for calculation of transport at low effective bed shear stress.

  3. 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...

  4. 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 ...

  5. 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...

  6. 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...

  7. 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...

  8. 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.

  9. 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...

  10. 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,...

  11. 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...

  12. 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...

  13. 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

  14. 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...

  15. 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.

  16. 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.

  17. 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...

  18. 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 ...

  19. 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...

  20. 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.

  1. 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...

  2. 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 ...

  3. 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.

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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.

  12. 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

  13. 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…

  14. 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

  15. 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 ...

  16. Dividend Performance in the United Arab Emirates Banking Sector

    Directory of Open Access Journals (Sweden)

    Mukdad Ibrahim

    2016-10-01

    Full Text Available The purpose of this study was to analyze the dividend performance of eight UAE based banks between the years 2001 and 2005. The analysis was undertaken by examining three sets of financial ratios that are routinely used to measure bank dividend performance. The main ratios that were employed put a particular focus on the banks’ ability to pay dividends in relation to market value of its share, earnings and ability to cover the payments. Descriptive statistical analysis was used to rank the performance, measuring the dispersion and the stability-variability of the indicators. Conclusions were then drawn from the computation of the descriptive analysis of ratios that allowed the author to make an effective comparison of said banks. This type of analysis was used to summarize the performance of each bank based on three criteria, mean, standard deviation and coefficient of variation of each banks performance. The findings showed that eight banks performed reasonably well during the period studied, but have different strategies in paying their dividends across the years under study. The analysis reveals that these banks have been affected by both internal and external factors.

  17. The Challenges of Basel III for Romanian Banking System

    Directory of Open Access Journals (Sweden)

    Anca Elena NUCU

    2011-12-01

    Full Text Available Basel III represents a fundamental review of the regulatory and supervision framework of the banking industry in the future, the aim being to strengthen the stability of the financial system. The purpose of this paper is to analyze the impact of Basel III introduction upon the banking system at European level, respectively, upon the Romanian banking system. If at European level it is estimated a substantial deficit in capital and liquidity, with major impact on profitability indicators, the impact of Basel III upon banking system in Romania is considered to be limited. The measures which credit institutions could take to mitigate the impact of alignment with the new standards are business model adjustment and balance sheet restructuring.

  18. Is Trust in Banks in Slovenia Put to the Test?

    Directory of Open Access Journals (Sweden)

    Taškar Beloglavec Sabina

    2015-06-01

    Full Text Available The question of the banking system’s stability in connection to trust since the 2008 crisis has been the subject of many debates seeking to find permanent solutions to banking system problems, as the current situation affects bank customers’ behavior. This article examined trust in banks during the financial crisis and offers, via demographic variables, explanations as tow whether or not customers tend to withdraw their deposits during a crisis. The results contribute to banks’ decision-making regarding deposits management and understanding customers’ behavior, especially during a crisis. The results show a negative relationship between trust and deposit withdrawal intention, where gender and education level play an important role.

  19. 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...

  20. 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.

  1. Pasture size effects on the ability of off-stream water or restricted stream access to alter the spatial/temporal distribution of grazing beef cows.

    Science.gov (United States)

    Bisinger, J J; Russell, J R; Morrical, D G; Isenhart, T M

    2014-08-01

    For 2 grazing seasons, effects of pasture size, stream access, and off-stream water on cow distribution relative to a stream were evaluated in six 12.1-ha cool-season grass pastures. Two pasture sizes (small [4.0 ha] and large [12.1 ha]) with 3 management treatments (unrestricted stream access without off-stream water [U], unrestricted stream access with off-stream water [UW], and stream access restricted to a stabilized stream crossing [R]) were alternated between pasture sizes every 2 wk for 5 consecutive 4-wk intervals in each grazing season. Small and large pastures were stocked with 5 and 15 August-calving cows from mid May through mid October. At 10-min intervals, cow location was determined with Global Positioning System collars fitted on 2 to 3 cows in each pasture and identified when observed in the stream (0-10 m from the stream) or riparian (0-33 m from the stream) zones and ambient temperature was recorded with on-site weather stations. Over all intervals, cows were observed more (P ≤ 0.01) frequently in the stream and riparian zones of small than large pastures regardless of management treatment. Cows in R pastures had 24 and 8% less (P cows in or near pasture streams regardless of pasture size. In 2011, the probability of cow presence in the stream and riparian zones increased at greater (P cow presence in the stream and riparian zones increased at greater (P cow presence in the stream and riparian zone increased less (P cow presence in shade (within 10 m of tree drip lines) in the total pasture with increasing temperatures did not differ between treatments. However, probability of cow presence in riparian shade increased at greater (P cows in or near pasture streams with unrestricted access.

  2. 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?...

  3. 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...

  4. Sediment denitrification and nitrification is enhanced by the presence of macrophytes in a restored agricultural stream, Black Earth Creek, WI USA

    Science.gov (United States)

    Restoration of habitats that support microbial processing can enhance nitrate removal in agricultural streams. Macrophytes are common both in-stream and in the wetted fringe of agricultural stream systems, but are often removed in restoration to increase stream velocity or stabil...

  5. Stages of growth theory and money flows from commercial banks in timber-dependent communities.

    Science.gov (United States)

    Con H. Schallau

    1980-01-01

    The flow of funds from commercial banks in western Oregon may indicate how a timber shortfall will affect community stability. Results suggest the inappropriateness of a single public forest management policy.

  6. 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.

  7. 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

  8. A MACROPRUDENTIAL SUPERVISION MODEL. EMPIRICAL EVIDENCE FROM THE CENTRAL AND EASTERN EUROPEAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Trenca Ioan

    2013-07-01

    Full Text Available One of the positive effects of the financial crises is the increasing concern of the supervisors regarding the financial system’s stability. There is a need to strengthen the links between different financial components of the financial system and the macroeconomic environment. Banking systems that have an adequate capitalization and liquidity level may face easier economic and financial shocks. The purpose of this empirical study is to identify the main determinants of the banking system’s stability and soundness in the Central and Eastern Europe countries. We asses the impact of different macroeconomic variables on the quality of capital and liquidity conditions and examine the behaviour of these financial stability indicators, by analyzing a sample of 10 banking systems during 2000-2011. The availability of banking capital signals the banking system’s resiliency to shocks. Capital adequacy ratio is the main indicator used to assess the banking fragility. One of the causes of the 2008-2009 financial crisis was the lack of liquidity in the banking system which led to the collapse of several banking institutions and macroeconomic imbalances. Given the importance of liquidity for the banking system, we propose several models in order to determine the macroeconomic variables that have a significant influence on the liquid reserves to total assets ratio. We found evidence that GDP growth, inflation, domestic credit to private sector, as well as the money and quasi money aggregate indicator have significant impact on the banking stability. The empirical regression confirms the high level of interdependence of the real sector with the financial-banking sector. Also, they prove the necessity for an effective macro prudential supervision at country level which enables the supervisory authorities to have an adequate control over the macro prudential indicators and to take appropriate decisions at the right time.

  9. Stabilization of low-level mixed waste in chemically bonded phosphate ceramics

    International Nuclear Information System (INIS)

    Wagh, A.S.; Singh, D.; Sarkar, A.V.

    1994-06-01

    Mixed waste streams, which contain both chemical and radioactive wastes, are one of the important categories of DOE waste streams needing stabilization for final disposal. Recent studies have shown that chemically bonded phosphate ceramics may have the potential for stabilizing these waste streams, particularly those containing volatiles and pyrophorics. Such waste streams cannot be stabilized by conventional thermal treatment methods such as vitrification. Phosphate ceramics may be fabricated at room temperature into durable, hard and dense materials. For this reason room-temperature-setting phosphate ceramic waste forms are being developed to stabilize these to ''problem waste streams.''

  10. Expert advice and political choice in constructing European banking union

    NARCIS (Netherlands)

    Donnelly, Shawn

    2016-01-01

    International actors promoted the transfer of regulatory authority and financial resources from national governments to the European Union (EU) in the context of establishing the prerequisites for financial stability in Europe through banking union. It was supplied, however, by a political process

  11. 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...

  12. 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

  13. Capital Regulation, the Cost of Financial Intermediation and Bank Profitability: Evidence from Bangladesh

    Directory of Open Access Journals (Sweden)

    Changjun Zheng

    2017-04-01

    Full Text Available In response to the recent global financial crisis, the regulatory authorities in many countries have imposed stringent capital requirements in the form of the BASEL III Accord to ensure financial stability. On the other hand, bankers have criticized new regulation on the ground that it would enhance the cost of funds for bank borrowers and deteriorate the bank profitability. In this study, we examine the impact of capital requirements on the cost of financial intermediation and bank profitability using a panel dataset of 32 Bangladeshi banks over the period from 2000 to 2015. By employing a dynamic panel generalized method of moments (GMM estimator, we find robust evidence that higher bank regulatory capital ratios reduce the cost of financial intermediation and increase bank profitability. The results hold when we use equity to total assets ratio as an alternative measure of bank capital. We also observe that switching from BASEL I to BASEL II has no measurable impact on the cost of financial intermediation and bank profitability in Bangladesh. In the empirical analysis, we further observe that higher bank management and cost efficiencies are associated with the lower cost of financial intermediation and higher bank profitability. These results have important implications for bank regulators, academicians, and bankers.

  14. Navigating the financial crisis in Helvetic Waters: An analysis of the banking sector (2007-09

    Directory of Open Access Journals (Sweden)

    Elisabeth Paulet

    2011-06-01

    Full Text Available As has been argued throughout this paper, the different way in which banks have been affected by the crisis is closely linked to their distinct business model. Consequently, the characteristic structure of the balance sheet in big banks and ethical banks is correlated with their divergent dynamic during the crisis. While the financial turmoil has left the business approach of ethical banks unchanged, as evidenced in the striking stability of their balance sheet from 2007 to 2009, the pattern shown by big banks has substantially changed over this same period. These developments would tend to suggest the need to reform the business model of big banks. There is no clear empirical evidence that a banking system with a large number of small institutions would be any more stable than the system as it currently stands. Besides, financing certain big projects would always require the existence of large international banks. Both types of financial institutions are in fact complementary. How to regulate the banking and financial sector is thus a complex and multifaceted issue. One cannot impose the same requirements on big international-oriented banks and small domestic banks. As this paper has tried to demonstrate, both have a distinct business model.

  15. 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

  16. 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...

  17. 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 ...

  18. 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...

  19. 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...

  20. 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...