Abstract: We study in this paper the effect of the scene
changing on image sequences coding system using Embedded
Zerotree Wavelet (EZW). The scene changing considered here is the
full motion which may occurs. A special image sequence is generated
where the scene changing occurs randomly. Two scenarios are
considered: In the first scenario, the system must provide the
reconstruction quality as best as possible by the management of the
bit rate (BR) while the scene changing occurs. In the second scenario,
the system must keep the bit rate as constant as possible by the
management of the reconstruction quality. The first scenario may be
motivated by the availability of a large band pass transmission
channel where an increase of the bit rate may be possible to keep the
reconstruction quality up to a given threshold. The second scenario
may be concerned by the narrow band pass transmission channel
where an increase of the bit rate is not possible. In this last case,
applications for which the reconstruction quality is not a constraint
may be considered. The simulations are performed with five scales
wavelet decomposition using the 9/7-tap filter bank biorthogonal
wavelet. The entropy coding is performed using a specific defined
binary code book and EZW algorithm. Experimental results are
presented and compared to LEAD H263 EVAL. It is shown that if
the reconstruction quality is the constraint, the system increases the
bit rate to obtain the required quality. In the case where the bit rate
must be constant, the system is unable to provide the required quality
if the scene change occurs; however, the system is able to improve
the quality while the scene changing disappears.
Abstract: In April 2009, a new variant of Influenza A virus
subtype H1N1 emerged in Mexico and spread all over the world. The
influenza has three subtypes in human (H1N1, H1N2 and H3N2)
Types B and C influenza tend to be associated with local or regional
epidemics. Preliminary genetic characterization of the influenza
viruses has identified them as swine influenza A (H1N1) viruses.
Nucleotide sequence analysis of the Haemagglutinin (HA) and
Neuraminidase (NA) are similar to each other and the majority of
their genes of swine influenza viruses, two genes coding for the
neuraminidase (NA) and matrix (M) proteins are similar to
corresponding genes of swine influenza. Sequence similarity between
the 2009 A (H1N1) virus and its nearest relatives indicates that its
gene segments have been circulating undetected for an extended
period. Nucleic acid sequence Maximum Likelihood (MCL) and
DNA Empirical base frequencies, Phylogenetic relationship amongst
the HA genes of H1N1 virus isolated in Genbank having high
nucleotide sequence homology.
In this paper we used 16 HA nucleotide sequences from NCBI for
computing sequence relationships similarity of swine influenza A
virus using the following method MCL the result is 28%, 36.64% for
Optimal tree with the sum of branch length, 35.62% for Interior
branch phylogeny Neighber – Join Tree, 1.85% for the overall
transition/transversion, and 8.28% for Overall mean distance.
Abstract: Automatic reading of handwritten cheque is a computationally
complex process and it plays an important role in financial
risk management. Machine vision and learning provide a viable
solution to this problem. Research effort has mostly been focused
on recognizing diverse pitches of cheques and demand drafts with an
identical outline. However most of these methods employ templatematching
to localize the pitches and such schemes could potentially
fail when applied to different types of outline maintained by the
bank. In this paper, the so-called outline problem is resolved by
a cheque information tree (CIT), which generalizes the localizing
method to extract active-region-of-entities. In addition, the weight
based density plot (WBDP) is performed to isolate text entities and
read complete pitches. Recognition is based on texture features using
neural classifiers. Legal amount is subsequently recognized by both
texture and perceptual features. A post-processing phase is invoked
to detect the incorrect readings by Type-2 grammar using the Turing
machine. The performance of the proposed system was evaluated
using cheque and demand drafts of 22 different banks. The test data
consists of a collection of 1540 leafs obtained from 10 different
account holders from each bank. Results show that this approach
can easily be deployed without significant design amendments.
Abstract: The new status generated by technological advancements and changes in the global economy raises important issues on how communities and organisations need to innovate upon their traditional processes in order to adapt to the challenges of the Knowledge Society. The DialogoS+ European project aims to study the role of and promote social dialogue in the banking sector, strengthen the link between old and new members and make social dialogue at the European level a force for innovation and change, also given the context of the international crisis emerging in 2008- 2009. Under the scope of DialogoS+, this paper describes how the community of Europe-s banking sector trade unions attempted to adapt to the challenges of the Knowledge Society by exploiting the benefits of new channels of communication, learning, knowledge generation and diffusion focusing on the concept of roadmapping. Important dimensions of social dialogue such as collective bargaining and working conditions are addressed.
Abstract: This paper tries to shed light on the existence of a bank lending channel (BLC) in South Eastern European countries (SEE). Based on a VAR framework we test the responsiveness of credit supply to monetary policy shocks. By compiling a new data set and using the reserve requirement ratio, among others, as the policy instrument we measure the effectiveness of the BLC and the buffering effect of the banks in the SEE countries. The results indicate that loan supply is significantly affected by shifts in monetary policy, when demand factors are controlled. Furthermore, by analyzing the effect of the Greek banks in the region we conclude that Greek banks do buffer the negative effects of monetary policy transmission. By having a significant market share of the SEE-s banking markets we argue that Greek banks influence positively the economic growth of SEE countries.
Abstract: The recognition of handwritten numeral is an
important area of research for its applications in post office, banks
and other organizations. This paper presents automatic recognition of
handwritten Kannada numerals based on structural features. Five
different types of features, namely, profile based 10-segment string,
water reservoir; vertical and horizontal strokes, end points and
average boundary length from the minimal bounding box are used in
the recognition of numeral. The effect of each feature and their
combination in the numeral classification is analyzed using nearest
neighbor classifiers. It is common to combine multiple categories of
features into a single feature vector for the classification. Instead,
separate classifiers can be used to classify based on each visual
feature individually and the final classification can be obtained based
on the combination of separate base classification results. One
popular approach is to combine the classifier results into a feature
vector and leaving the decision to next level classifier. This method
is extended to extract a better information, possibility distribution,
from the base classifiers in resolving the conflicts among the
classification results. Here, we use fuzzy k Nearest Neighbor (fuzzy
k-NN) as base classifier for individual feature sets, the results of
which together forms the feature vector for the final k Nearest
Neighbor (k-NN) classifier. Testing is done, using different features,
individually and in combination, on a database containing 1600
samples of different numerals and the results are compared with the
results of different existing methods.
Abstract: Construction projects can be implemented under various contractual and organizational systems. They can be divided into two groups: systems without the managing company where the Client manages the process, and systems with the managing company, where management is entrusted to an external company. In the public sector of the Polish market there are two ways of delivery of construction projects with the participation of the manager: one is to assign operations to another party, the so called Project Supervisor, whilst the other results from the application of FIDIC conditions of contract, which entail appointment of the Engineer. The decision is to be made by the Client and depends on various factors. On the public procurement market in Poland the selection of construction project manager boils down to awarding the contract for such a service. The selection can be done by one of eight public procurement procedures identified by the procurement law. The paper provides the analysis of 96 contracts for services awarded in 2011, which employed construction management. The study aimed to investigate the methods and criteria for selecting managers, applied in practice by the Polish public Clients.
Abstract: This paper attempts to identify the significance of
Information and Communications Technology (ICT) and
competitiveness to the profit efficiency of commercial banks in
Malaysia. The profit efficiency of commercial banks in Malaysia, the
dependent variable, was estimated using the Stochastic Frontier
Approach (SFA) on a sample of unbalanced panel data, covering 23
commercial banks, between 1995 to 2007. Based on the empirical
results, ICT was not found to exert a significant impact on profit
efficiency, whereas competitiveness, non ICT stock expenditure and
ownership were significant contributors. On the other hand, the size
of banks was found to have significantly reduced profit efficiency,
opening up for various interpretations of the interrelated role of ICT
and competition.
Abstract: This paper presents the results of preliminary
assessment of water quality along the coastal areas in the vicinity of
Left Bank Outfall Drainage (LBOD) and Tidal Link Drain (TLD) in
Sindh province after the cyclone 2A occurred in 1999. The water
samples were collected from various RDs of Tidal Link Drain and
lakes during September 2001 to April 2002 and were analysed for
salinity, nitrite, phosphate, ammonia, silicate and suspended material
in water. The results of the study showed considerable variations in
water quality depending upon the location along the coast in the
vicinity of LBOD and RDs. The salinity ranged between 4.39–65.25
ppt in Tidal Link Drain samples whereas 2.4–38.05 ppt in samples
collected from lakes. The values of suspended material at various
RDs of Tidal Link Drain ranged between 56.6–2134 ppm and at the
lakes between 68–297 ppm. The data of continuous monitoring at
RD–93 showed the range of PO4 (8.6–25.2 μg/l), SiO3 (554.96–1462
μg/l), NO2 (0.557.2–25.2 μg/l) and NH3 (9.38–23.62 μg/l). The
concentration of nutrients in water samples collected from different
RDs was found in the range of PO4 (10.85 to 11.47 μg/l), SiO3 (1624
to 2635.08 μg/l), NO2 (20.38 to 44.8 μg/l) and NH3 (24.08 to 26.6
μg/l). Sindh coastal areas which situated at the north-western
boundary the Arabian Sea are highly vulnerable to flood damages
due to flash floods during SW monsoon or impact of sea level rise
and storm surges coupled with cyclones passing through Arabian Sea
along Pakistan coast. It is hoped that the obtained data in this study
would act as a database for future investigations and monitoring of
LBOD and Tidal Link Drain coastal waters.
Abstract: The world is moving rapidly toward the deployment
of information and communication systems. Nowadays, computing
systems with their fast growth are found everywhere and one of the main challenges for these systems is increasing attacks and security threats against them. Thus, capturing, analyzing and verifying security requirements becomes a very important activity in
development process of computing systems, specially in developing
systems such as banking, military and e-business systems. For
developing every system, a process model which includes a process,
methods and tools is chosen. The Rational Unified Process (RUP) is
one of the most popular and complete process models which is used
by developers in recent years. This process model should be extended to be used in developing secure software systems. In this
paper, the Requirement Discipline of RUP is extended to improve RUP for developing secure software systems. These proposed extensions are adding and integrating a number of Activities, Roles,
and Artifacts to RUP in order to capture, document and model threats
and security requirements of system. These extensions introduce a
group of clear and stepwise activities to developers. By following these activities, developers assure that security requirements are
captured and modeled. These models are used in design, implementation and test activitie
Abstract: This study attempts to investigate the relationship
between internal CSR practices and organizational commitment
based on the social exchange theory (SET). Specifically, we examine
the impact of five dimensions of internal CSR practices on
organizational commitment: health and safety, human rights, training
and education, work life balance and workplace diversity. The
proposed model was tested on a sample of 336 frontline employees
within the banking sector in Jordan. Results showed that all internal
CSR dimensions are significantly and positively related to affective
and normative commitment. In addition, the findings of this study
indicate that all internal CSR dimensions did not have a significant
relationship with continuance commitment. Limitations of the study,
directions for future research, and implications of the findings are
discussed.
Abstract: The effects of global warming on India vary from the
submergence of low-lying islands and coastal lands to the melting of
glaciers in the Indian Himalayas, threatening the volumetric flow rate
of many of the most important rivers of India and South Asia. In
India, such effects are projected to impact millions of lives. As a
result of ongoing climate change, the climate of India has become
increasingly volatile over the past several decades; this trend is
expected to continue.
Climate change is one of the most important global environmental
challenges, with implications for food production, water supply,
health, energy, etc. Addressing climate change requires a good
scientific understanding as well as coordinated action at national and
global level. The climate change issue is part of the larger challenge
of sustainable development. As a result, climate policies can be more
effective when consistently embedded within broader strategies
designed to make national and regional development paths more
sustainable. The impact of climate variability and change, climate
policy responses, and associated socio-economic development will
affect the ability of countries to achieve sustainable development
goals.
A very well calibrated Soil and Water Assessment Tool (R2 =
0.9968, NSE = 0.91) was exercised over the Khatra sub basin of the
Kangsabati River watershed in Bankura district of West Bengal,
India, in order to evaluate projected parameters for agricultural
activities. Evapotranspiration, Transmission Losses, Potential
Evapotranspiration and Lateral Flow to reach are evaluated from the
years 2041-2050 in order to generate a picture for sustainable
development of the river basin and its inhabitants.
India has a significant stake in scientific advancement as well as
an international understanding to promote mitigation and adaptation.
This requires improved scientific understanding, capacity building,
networking and broad consultation processes. This paper is a
commitment towards the planning, management and development of
the water resources of the Kangsabati River by presenting detailed
future scenarios of the Kangsabati river basin, Khatra sub basin, over
the mentioned time period.
India-s economy and societal infrastructures are finely tuned to the
remarkable stability of the Indian monsoon, with the consequence
that vulnerability to small changes in monsoon rainfall is very high.
In 2002 the monsoon rains failed during July, causing profound loss
of agricultural production with a drop of over 3% in India-s GDP.
Neither the prolonged break in the monsoon nor the seasonal rainfall
deficit was predicted. While the general features of monsoon
variability and change are fairly well-documented, the causal
mechanisms and the role of regional ecosystems in modulating the
changes are still not clear. Current climate models are very poor at
modelling the Asian monsoon: this is a challenging and critical
region where the ocean, atmosphere, land surface and mountains all
interact. The impact of climate change on regional ecosystems is
likewise unknown. The potential for the monsoon to become more
volatile has major implications for India itself and for economies
worldwide. Knowledge of future variability of the monsoon system,
particularly in the context of global climate change, is of great
concern for regional water and food security.
The major findings of this paper were that of all the chosen
projected parameters, transmission losses, soil water content,
potential evapotranspiration, evapotranspiration and lateral flow to
reach, display an increasing trend over the time period of years 2041-
2050.
Abstract: This paper investigates the relationship between different dimensions of customer relationship management and innovation capabilities in Melli Bank of Iran. Five dimensions of CRM include information sharing, customer involvement, long-term partnership, joint problem solving and technology-based CRM are selected to measure their relationship with innovation capabilities including innovation in product, innovation in process, innovation in administrative affairs, innovation in marketing, and finally innovation in services. Research findings indicate that there is significant relationship between CRM dimensions and innovation capabilities in Melli bank of Iran.
Abstract: The purpose of this study is to identify the underlying
causes of late payment from the contractors- perspective in the
Malaysian construction industry and to recommend effective solutions
to mitigate late payment problems. The target groups of respondents in
this study were Grades G3, G5, G6 and G7 contractors with
specialization in building works and civil engineering works registered
with the Construction Industry Development Board (CIDB) in
Malaysia. Results from this study were analyzed with Statistical
Package for the Social Science (SPSS 15.0). From this study, it was
found that respondents have highest ranked five significant variables
out of a total of forty-one variables which can caused late payment
problems: a) cash flow problems due to deficiencies in client-s
management capacity (mean = 3.96); b) client-s ineffective utilization
of funds (mean = 3.88); c) scarcity of capital to finance the project
(mean = 3.81); d) clients failure to generate income from bank when
sales of houses do not hit the targeted amount (mean=3.72); and e)
poor cash flow because of lack of proper process implementation,
delay in releasing of the retention monies to contractor and delay in the
evaluation and certification of interim and final payment (mean =
3.66).
Abstract: In this research relationship between to be smooth the
interest and output of accepted companies stock at negotiable paper
exchange of Tehran is studied. Static community capacity included
363 companies member of negotiable paper exchange of Tehran that
54 companies were, by considering research limitation, selected from
2004 to 2009. Needed data for model test in librarian method was
chosen from RAH AVARDE NOVIN informative banks, TADBIR
and collecting needed data was selected from Tehran negotiable
paper exchange archive. Given results show that in spite of belief
among people based on companies have more smooth interest have
more output, but resulted outcomes of test-done reveals that there is
no relation between smooth interest and stock output.
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: 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: In this paper newly reported Cosh window function is
used in the design of prototype filter for M-channel Near Perfect
Reconstruction (NPR) Cosine Modulated Filter Bank (CMFB). Local
search optimization algorithm is used for minimization of distortion
parameters by optimizing the filter coefficients of prototype filter.
Design examples are presented and comparison has been made with
Kaiser window based filterbank design of recently reported work.
The result shows that the proposed design approach provides lower
distortion parameters and improved far-end suppression than the
Kaiser window based design of recent reported work.
Abstract: Unlike its conventional counterpart, Islamic principles
forbid Islamic banks to take any interest-related income and thus
makes deposits from depositors as an important source of fund for its
operational and financing. Consequently, the risk of deposit
withdrawal by depositors is an important aspect that should be wellmanaged
in Islamic banking. This paper aims to investigate factors
that influence depositors- withdrawal behavior in Islamic banks,
particularly in Malaysia, using the framework of theory of reasoned
action. A total of 368 respondents from Klang valley are involved in
the analysis. The paper finds that all the constructs variable i.e.
normative beliefs, subjective norms, behavioral beliefs, and attitude
towards behavior are perceived to be distinct by the respondents. In
addition, the structural equation model is able to verify the structural
relationships between subjective norms, attitude towards behavior
and behavioral intention. Subjective norms gives more influence to
depositors- decision on deposit withdrawal compared to attitude
towards behavior.
Abstract: Most electrical distribution systems are incurring large
losses as the loads are wide spread, inadequate reactive power
compensation facilities and their improper control. A typical static
VAR compensator consists of capacitor bank in binary sequential
steps operated in conjunction with a thyristor controlled reactor of the
smallest step size. This SVC facilitates stepless control of reactive
power closely matching with load requirements so as to maintain
power factor nearer to unity. This type of SVC-s requiring a
appropriately controlled TCR. This paper deals with an air cored
reactor suitable for distribution transformer of 3phase, 50Hz, Dy11,
11KV/433V, 125 KVA capacity. Air cored reactors are designed,
built, tested and operated in conjunction with capacitor bank in five
binary sequential steps. It is established how the delta connected TCR
minimizes the harmonic components and the operating range for
various electrical quantities as a function of firing angle is
investigated. In particular firing angle v/s line & phase currents, D.C.
components, THD-s, active and reactive powers, odd and even triplen
harmonics, dominant characteristic harmonics are all investigated and
range of firing angle is fixed for satisfactory operation. The harmonic
spectra for phase and line quantities at specified firing angles are
given. In case the TCR is operated within the bound specified in this
paper established through simulation studies are yielding the best
possible operating condition particularly free from all dominant
harmonics.