Abstract: The aim of this article is to assess the existing
business models used by the banks operating in the CEE countries in
the time period from 2006 till 2011.
In order to obtain research results, the authors performed
qualitative analysis of the scientific literature on bank business
models, which have been grouped into clusters that consist of such
components as: 1) capital and reserves; 2) assets; 3) deposits, and 4)
loans.
In their turn, bank business models have been developed based on
the types of core activities of the banks, and have been divided into
four groups: Wholesale, Investment, Retail and Universal Banks.
Descriptive statistics have been used to analyse the models,
determining mean, minimal and maximal values of constituent
cluster components, as well as standard deviation. The analysis of
the data is based on such bank variable indices as Return on Assets
(ROA) and Return on Equity (ROE).
Abstract: 2007 is a jubilee year: in 1967, programming language SIMULA 67 was presented, which contained all aspects of what was later called object-oriented programming. The present paper contains a description of the development unto the objectoriented programming, the role of simulation in this development and other tools that appeared in SIMULA 67 and that are nowadays called super-object-oriented programming.
Abstract: Uranium mining and processing in Brazil occur in a
northeastern area near to Caetité-BA. Several Non-Governmental
Organizations claim that uranium mining in this region is a pollutant
causing health risks to the local population,but those in charge of the
complex extraction and production of“yellow cake" for generating
fuel to the nuclear power plants reject these allegations. This study
aimed at identifying potential problems caused by mining to the
population of Caetité. In this, work,the concentrations of 238U, 232Th
and 40K radioisotopes in the teeth of the Caetité population were
determined by ICP-MS. Teeth are used as bioindicators of
incorporated radionuclides. Cumulative radiation doses in the
skeleton were also determined. The concentration values were below
0.008 ppm, and annual effective dose due to radioisotopes are below
to the reference values. Therefore, it is not possible to state that the
mining process in Caetité increases pollution or radiation exposure in
a meaningful way.
Abstract: This paper utilizes a finite element analysis to study
the bearing capacity of ring footings on a two-layered soil. The upper
layer, that the footing is placed on it, is soft clay and the underneath
layer is a cohesionless sand. For modeling soils, Mohr–Coulomb
plastic yield criterion is employed. The effects of two factors, the
clay layer thickness and the ratio of internal radius of the ring footing
to external radius of the ring, have been analyzed. It is found that the
bearing capacity decreases as the value of ri / ro increases.
Although, as the clay layer thickness increases the bearing capacity
was alleviated gradually.
Abstract: If organizations like Mellat Bank want to identify its
customer market completely to reach its specified goals, it can
segment the market to offer the product package to the right segment.
Our objective is to offer a segmentation model for Iran banking
market in Mellat bank view. The methodology of this project is
combined by “segmentation on the basis of four part-quality
variables" and “segmentation on the basis of different in means".
Required data are gathered from E-Systems and researcher personal
observation. Finally, the research offers the organization that at first
step form a four dimensional matrix with 756 segments using four
variables named value-based, behavioral, activity style, and activity
level, and at the second step calculate the means of profit for every
cell of matrix in two distinguished work level (levels α1:normal
condition and α2: high pressure condition) and compare the segments
by checking two conditions that are 1- homogeneity every segment
with its sub segment and 2- heterogeneity with other segments, and
so it can do the necessary segmentation process. After all, the last
offer (more explained by an operational example and feedback
algorithm) is to test and update the model because of dynamic
environment, technology, and banking system.
Abstract: Since 2008 a new economic crisis is present is the
entire planet. This crisis affects several domains of the economic but
also of the social life. Consumption decreases due to the lack of
necessary resources of households to increase their expenditures. The
car manufacturing is one of the main industrial activities in European
Union (EU) and the present crisis particularly affects it. The present
study examines the correlations between several socio-economic
indicators and car market in European Union. The target is to find out
the impact of the present economic crisis on the car market in EU.
Abstract: Data mining incorporates a group of statistical
methods used to analyze a set of information, or a data set. It operates
with models and algorithms, which are powerful tools with the great
potential. They can help people to understand the patterns in certain
chunk of information so it is obvious that the data mining tools have
a wide area of applications. For example in the theoretical chemistry
data mining tools can be used to predict moleculeproperties or
improve computer-assisted drug design. Classification analysis is one
of the major data mining methodologies. The aim of thecontribution
is to create a classification model, which would be able to deal with a
huge data set with high accuracy. For this purpose logistic regression,
Bayesian logistic regression and random forest models were built
using R software. TheBayesian logistic regression in Latent GOLD
software was created as well. These classification methods belong to
supervised learning methods.
It was necessary to reduce data matrix dimension before construct
models and thus the factor analysis (FA) was used. Those models
were applied to predict the biological activity of molecules, potential
new drug candidates.
Abstract: The present work was conducted for Arsenic (III)
removal, which one of the most poisonous groundwater pollutants, by
synthetic nano size zerovalent iron (nZVI). Batch experiments were
performed to investigate the influence of As (III), nZVI
concentration, pH of solution and contact time on the efficiency of As
(III) removal. nZVI was synthesized by reduction of ferric chloride
by sodium borohydrid. SEM and XRD were used to determine
particle size and characterization of produced nanoparticles. Up to
99.9% removal efficiency for arsenic (III) was obtained by nZVI
dosage of 1 g/L at time equal to 10 min. and pH=7. It could be
concluded that the removal efficiency were enhanced with increasing
of ZVI dosage and reaction time, but decreased with increasing of
arsenic concentration and pH for nano sized ZVI. nZVI presented an
outstanding ability to remove As (III) due to not only a high surface
area and low particle size but also to high inherent activity.
Abstract: The public sector losses are the major cause of stagnant growth of Pakistan. Public sector automotive manufacturing industry is one of the major contributors of these losses. This research has been carried out in order to identify the major barriers of productivity of this industry and suggest measures for improvement. This qualitative and quantitative research consisted of informal interviews, discussions augmented by closed ended questionnaire. Three major manufacturing units were chosen for this research and responses from 103 employees were collected. It was found out in this research that numerous productivity flaws exist in the system which requires immediate attention. Besides highlighting flaws this research also suggests corrective actions and areas for future research to overcome these problems.
Abstract: This paper seeks to develop simple yet practical and
efficient control scheme that enables cooperating arms to handle a
flexible beam. Specifically the problem studied herein is that of two
arms rigidly grasping a flexible beam and such capable of generating
forces/moments in such away as to move a flexible beam along a
predefined trajectory. The paper develops a sliding mode control law
that provides robustness against model imperfection and uncertainty.
It also provides an implicit stability proof. Simulation results for two
three joint arms moving a flexible beam, are presented to validate the
theoretical results.
Abstract: This paper covers various aspects of the Internet film
piracy. In order to successfully deal with this matter, it is needed to
recognize and explain various motivational factors related to film
piracy. Thus, this study proposes groups of economical, sociopsychological
and other factors that could motivate individuals
to engage in pirate activities. The paper also studies the interactions
between downloaders and uploaders and offers the causality of the
motivational factors and its effects on the film industry.
Moreover, the study also focuses on proposed scheme of relations
of downloading movies and the possible effect on box office
revenues.
Abstract: In this paper, the dynamic analysis of fuel storage
tanks has been studied and some equations are presented for the
created fluid waves due to storage tank motions. Also, the equations
for finite elements of fluid and structure interactions, and boundary
conditions dominant on structure and fluid, were researched. In this
paper, a numerical simulation is performed for the dynamic analysis
of a storage tank contained a fluid. This simulation has carried out by
ANSYS software, using FSI solver (Fluid and Structure Interaction
solver), and by considering the simulated fluid dynamic motions due
to earthquake loading, based on velocities and movements of
structure and fluid according to all boundary conditions dominant on
structure and fluid.
Abstract: Although oil-based drilling fluids are of paramount practical and economical interest, they represent a serious source of pollution, once released into the environment as drill cuttings. The aim of this study is to assess the capability of isolated microorganisms to degrade gasoil fuel. The commonly used physicochemical and biodegradation remediation techniques of petroleum contaminated soil were both investigated. The study revealed that natural biodegradation is favorable. Even though, the presence of heavy metals, the moisture level of (8.55%) and nutrient deficiencies put severe constrains on microorganisms- survival ranges inhibiting the biodegradation process. The selected strains were able to degrade the diesel fuel at significantly high rates (around 98%).
Abstract: Consumer demand for products with low fat or sugar content and low levels of food additives, as well as cost factors, make exopolysaccharides (EPS) a viable alternative. EPS remain an interesting tool to modulate the sensory properties of yoghurt. This study was designed to evaluate EPS production potential of commercial yoghurt starter cultures (Yo-Flex starters: Harmony 1.0, TWIST 1.0 and YF-L902, Chr.Hansen, Denmark) and their influence on an apparent viscosity of yoghurt samples. The production of intracellularly synthesized EPS by different commercial yoghurt starters varies roughly from 144,08 to 440,81 mg/l. Analysing starters’ producing EPS, they showed large variations in concentration and supposedly composition. TWIST 1.0 had produced greater amounts of EPS in MRS medium and in yoghurt samples but there wasn’t determined significant contribution to development of texture as well as an apparent viscosity of the final product. YF-L902 and Harmony 1.0 starters differed considerably in EPS yields, but not in apparent viscosities (p>0.05) of the final yoghurts. Correlation between EPS concentration and viscosity of yoghurt samples was not established in the study.
Abstract: Unified Speech Audio Coding (USAC), the latest MPEG standardization for unified speech and audio coding, uses a speech/audio classification algorithm to distinguish speech and audio segments of the input signal. The quality of the recovered audio can be increased by well-designed orchestra/percussion classification and subsequent processing. However, owing to the shortcoming of the system, introducing an orchestra/percussion classification and modifying subsequent processing can enormously increase the quality of the recovered audio. This paper proposes an orchestra/percussion classification algorithm for the USAC system which only extracts 3 scales of Mel-Frequency Cepstral Coefficients (MFCCs) rather than traditional 13 scales of MFCCs and use Iterative Dichotomiser 3 (ID3) Decision Tree rather than other complex learning method, thus the proposed algorithm has lower computing complexity than most existing algorithms. Considering that frequent changing of attributes may lead to quality loss of the recovered audio signal, this paper also design a modified subsequent process to help the whole classification system reach an accurate rate as high as 97% which is comparable to classical 99%.
Abstract: A new genetic algorithm, termed the 'optimum individual monogenetic genetic algorithm' (OIMGA), is presented whose properties have been deliberately designed to be well suited to hardware implementation. Specific design criteria were to ensure fast access to the individuals in the population, to keep the required silicon area for hardware implementation to a minimum and to incorporate flexibility in the structure for the targeting of a range of applications. The first two criteria are met by retaining only the current optimum individual, thereby guaranteeing a small memory requirement that can easily be stored in fast on-chip memory. Also, OIMGA can be easily reconfigured to allow the investigation of problems that normally warrant either large GA populations or individuals many genes in length. Local convergence is achieved in OIMGA by retaining elite individuals, while population diversity is ensured by continually searching for the best individuals in fresh regions of the search space. The results given in this paper demonstrate that both the performance of OIMGA and its convergence time are superior to those of a range of existing hardware GA implementations.
Abstract: Diffuse viral encephalitis may lack fever and other cardinal signs of infection and hence its distinction from other acute encephalopathic illnesses is challenging. Often, the EEG changes seen routinely are nonspecific and reflect diffuse encephalopathic changes only. The aim of this study was to use nonlinear dynamic mathematical techniques for analyzing the EEG data in order to look for any characteristic diagnostic patterns in diffuse forms of encephalitis.It was diagnosed on clinical, imaging and cerebrospinal fluid criteria in three young male patients. Metabolic and toxic encephalopathies were ruled out through appropriate investigations. Digital EEGs were done on the 3rd to 5th day of onset. The digital EEGs of 5 male and 5 female age and sex matched healthy volunteers served as controls.Two sample t-test indicated that there was no statistically significant difference between the average values in amplitude between the two groups. However, the standard deviation (or variance) of the EEG signals at FP1-F7 and FP2-F8 are significantly higher for the patients than the normal subjects. The regularisation dimension is significantly less for the patients (average between 1.24-1.43) when compared to the normal persons (average between 1.41-1.63) for the EEG signals from all locations except for the Fz-Cz signal. Similarly the wavelet dimension is significantly less (P = 0.05*) for the patients (1.122) when compared to the normal person (1.458). EEGs are subdued in the case of the patients with presence of uniform patterns, manifested in the values of regularisation and wavelet dimensions, when compared to the normal person, indicating a decrease in chaotic nature.
Abstract: Spent petroleum catalyst from Korean petrochemical
industry contains trace amount of metals such as Ni, V and Mo.
Therefore an attempt was made to recover those trace metal using
bioleaching process. Different leaching parameters such as Fe(II)
concentration, pulp density, pH, temperature and particle size of
spent catalyst particle were studied to evaluate their effects on the
leaching efficiency. All the three metal ions like Ni, V and Mo
followed dual kinetics, i.e., initial faster followed by slower rate. The
percentage of leaching efficiency of Ni and V were higher than Mo.
The leaching process followed a diffusion controlled model and the
product layer was observed to be impervious due to formation of
ammonium jarosite (NH4)Fe3(SO4)2(OH)6. In addition, the lower
leaching efficiency of Mo was observed due to a hydrophobic coating
of elemental sulfur over Mo matrix in the spent catalyst.
Abstract: The square-lattice Ising model is the simplest system
showing phase transitions (the transition between the paramagnetic
phase and the ferromagnetic phase and the transition between the
paramagnetic phase and the antiferromagnetic phase) and critical
phenomena at finite temperatures. The exact solution of the squarelattice
Ising model with free boundary conditions is not known for
systems of arbitrary size. For the first time, the exact solution of
the Ising model on the square lattice with free boundary
conditions is obtained after classifying all )
spin configurations with the microcanonical transfer matrix. Also, the
phase transitions and critical phenomena of the square-lattice Ising
model are discussed using the exact solution on the square
lattice with free boundary conditions.
Abstract: Human-related information security breaches within organizations are primarily caused by employees who have not been made aware of the importance of protecting the information they work with. Information security awareness is accordingly attracting more attention from industry, because stakeholders are held accountable for the information with which they work. The authors developed an Information Security Retrieval and Awareness model – entitled “ISRA" – that is tailored specifically towards enhancing information security awareness in industry amongst all users of information, to address shortcomings in existing information security awareness models. This paper is principally aimed at expounding a prototype for the ISRA model to highlight the advantages of utilizing the model. The prototype will focus on the non-technical, humanrelated information security issues in industry. The prototype will ensure that all stakeholders in an organization are part of an information security awareness process, and that these stakeholders are able to retrieve specific information related to information security issues relevant to their job category, preventing them from being overburdened with redundant information.