Approaches to Determining Optimal Asset Structure for a Commercial Bank

Every commercial bank optimises its asset portfolio depending on the profitability of assets and chosen or imposed constraints. This paper proposes and applies a stylized model for optimising banks' asset and liability structure, reflecting profitability of different asset categories and their risks as well as costs associated with different liability categories and reserve requirements. The level of detail for asset and liability categories is chosen to create a suitably parsimonious model and to include the most important categories in the model. It is shown that the most appropriate optimisation criterion for the model is the maximisation of the ratio of net interest income to assets. The maximisation of this ratio is subject to several constraints. Some are accounting identities or dictated by legislative requirements; others vary depending on the market objectives for a particular bank. The model predicts variable amount of assets allocated to loan provision.

The Heat and Mass Transfer Phenomena in Vacuum Membrane Distillation for Desalination

Vacuum membrane distillation (VMD) process can be used for water purification or the desalination of salt water. The process simply consists of a flat sheet hydrophobic micro porous PTFE membrane and diaphragm vacuum pump without a condenser for the water recovery or trap. The feed was used aqueous NaCl solution. The VMD experiments were performed to evaluate the heat and mass transfer coefficient of the boundary layer in a membrane module. The only operating parameters are feed inlet temperature, and feed flow rate were investigated. The permeate flux was strongly affected by the feed inlet temperature, feed flow rate, and boundary layer heat transfer coefficient. Since lowering the temperature polarization coefficient is essential enhance the process performance considerable and maximizing the heat transfer coefficient for maximizes the mass flux of distillate water. In this paper, the results of VMD experiments are used to measure the boundary layer heat transfer coefficient, and the experimental results are used to reevaluate the empirical constants in the Dittus- Boelter equation.

Application of Neural Network for Contingency Ranking Based on Combination of Severity Indices

In this paper, an improved technique for contingency ranking using artificial neural network (ANN) is presented. The proposed approach is based on multi-layer perceptrons trained by backpropagation to contingency analysis. Severity indices in dynamic stability assessment are presented. These indices are based on the concept of coherency and three dot products of the system variables. It is well known that some indices work better than others for a particular power system. This paper along with test results using several different systems, demonstrates that combination of indices with ANN provides better ranking than a single index. The presented results are obtained through the use of power system simulation (PSS/E) and MATLAB 6.5 software.

Performance Evaluation of Data Transfer Protocol GridFTP for Grid Computing

In Grid computing, a data transfer protocol called GridFTP has been widely used for efficiently transferring a large volume of data. Currently, two versions of GridFTP protocols, GridFTP version 1 (GridFTP v1) and GridFTP version 2 (GridFTP v2), have been proposed in the GGF. GridFTP v2 supports several advanced features such as data streaming, dynamic resource allocation, and checksum transfer, by defining a transfer mode called X-block mode. However, in the literature, effectiveness of GridFTP v2 has not been fully investigated. In this paper, we therefore quantitatively evaluate performance of GridFTP v1 and GridFTP v2 using mathematical analysis and simulation experiments. We reveal the performance limitation of GridFTP v1, and quantitatively show effectiveness of GridFTP v2. Through several numerical examples, we show that by utilizing the data streaming feature, the average file transfer time of GridFTP v2 is significantly smaller than that of GridFTP v1.

Experimental and Numerical Study of The Shock-Accelerated Elliptic Heavy Gas Cylinders

We studied the evolution of elliptic heavy SF6 gas cylinder surrounded by air when accelerated by a planar Mach 1.25 shock. A multiple dynamics imaging technology has been used to obtain one image of the experimental initial conditions and five images of the time evolution of elliptic cylinder. We compared the width and height of the circular and two kinds of elliptic gas cylinders, and analyzed the vortex strength of the elliptic ones. Simulations are in very good agreement with the experiments, but due to the different initial gas cylinder shapes, a certain difference of the initial density peak and distribution exists between the circular and elliptic gas cylinders, and the latter initial state is more sensitive and more inenarrable.

Data Acquisition from Cell Phone using Logical Approach

Cell phone forensics to acquire and analyze data in the cellular phone is nowadays being used in a national investigation organization and a private company. In order to collect cellular phone flash memory data, we have two methods. Firstly, it is a logical method which acquires files and directories from the file system of the cell phone flash memory. Secondly, we can get all data from bit-by-bit copy of entire physical memory using a low level access method. In this paper, we describe a forensic tool to acquire cell phone flash memory data using a logical level approach. By our tool, we can get EFS file system and peek memory data with an arbitrary region from Korea CDMA cell phone.

A New Approach for Fingerprint Classification based on Minutiae Distribution

The paper describes a new approach for fingerprint classification, based on the distribution of local features (minute details or minutiae) of the fingerprints. The main advantage is that fingerprint classification provides an indexing scheme to facilitate efficient matching in a large fingerprint database. A set of rules based on heuristic approach has been proposed. The area around the core point is treated as the area of interest for extracting the minutiae features as there are substantial variations around the core point as compared to the areas away from the core point. The core point in a fingerprint has been located at a point where there is maximum curvature. The experimental results report an overall average accuracy of 86.57 % in fingerprint classification.

Using Target Costing to Investigates Competitive Price

This paper has presented research in progress concerning the contribution of target costing approach to achievement competitive price in the Iraqi firm. The title of the paper is one of the subjects that get large concerns in the finance and business world in the present time. That is because many competitive firms have appeared in the regional and global markets and the rapid changes that covered all fields of life. On the other hand, this paper concentrated on lack knowledge of the industrial firms, regarding the significant role of target cost for achieving the competitive prices. The paper depends on the main supposition, using the competitive price to get the target cost in the industrial firms. In order to achieve competitive advantage in business world the firms should rely on modern methods to manage cost and profit. From strategic perspective the target cost achieves a so powerful competitive advantage represented in cost reduction. Nevertheless the target cost does not exclude the calculation and survey of costs during the production process. Products- estimated costs are calculated and compared with the target costs.

Small Satellite Modelling and Attitude Control Using Fuzzy Logic

Small satellites have become increasingly popular recently as a means of providing educational institutes with the chance to design, construct, and test their spacecraft from beginning to the possible launch due to the low launching cost. This approach is remarkably cost saving because of the weight and size reduction of such satellites. Weight reduction could be realised by utilising electromagnetic coils solely, instead of different types of actuators. This paper describes the restrictions of using only “Electromagnetic" actuation for 3D stabilisation and how to make the magnetorquer based attitude control feasible using Fuzzy Logic Control (FLC). The design is developed to stabilize the spacecraft against gravity gradient disturbances with a three-axis stabilizing capability.

Repatriates in the Kazakhstan: The Problems of Migration and Adaptation to the Historic Homeland

The article is devoted to Kazakh repatriates and their migration to Kazakhstan as historical homeland, and also addresses the problem of migrants- adaptation in the republic, particularly in Almaty oblast (region). The authors used up-to-date statictics and materials of the Department of Migration Committee to analyze the newcomers- number and features of the repatriate-s location in this oblast. Having studied this region they were able to identify the main reasons why Kazakh Diaspora in Central Asia, Iran, Avganistana and Turkey is eager to come back to their historic homeland along with repatriates adaptation to the republic.

Evaluation of A 50MW Two-Axis Tracking Photovoltaic Power Plant for AL-Jagbob, Libya: Energetic, Economic, and Environmental Impact Analysis

This paper investigates the application of large scale (LS-PV) two-axis tracking photovoltaic power plant in Al-Jagbob, Libya. A 50MW PV-grid connected (two-axis tracking) power plant design in Al-Jagbob, Libya has been carried out presently. A hetero-junction with intrinsic thin layer (HIT) type PV module has been selected and modeled. A Microsoft Excel-VBA program has been constructed to compute slope radiation, dew-point, sky temperature, and then cell temperature, maximum power output and module efficiency for this system, for tracking system. The results for energy production show that the total energy output is 128.5 GWh/year. The average module efficiency is 16.6%. The electricity generation capacity factor (CF) and solar capacity factor (SCF) were found to be 29.3% and 70.4% respectively. A 50MW two axis tracking power plant with a total energy output of 128.5 GWh/year would reduce CO2 pollution by 85,581 tonnes of each year. The payback time for the proposed LS-PV photovoltaic power plant was found to be 4 years.

Peakwise Smoothing of Data Models using Wavelets

Smoothing or filtering of data is first preprocessing step for noise suppression in many applications involving data analysis. Moving average is the most popular method of smoothing the data, generalization of this led to the development of Savitzky-Golay filter. Many window smoothing methods were developed by convolving the data with different window functions for different applications; most widely used window functions are Gaussian or Kaiser. Function approximation of the data by polynomial regression or Fourier expansion or wavelet expansion also gives a smoothed data. Wavelets also smooth the data to great extent by thresholding the wavelet coefficients. Almost all smoothing methods destroys the peaks and flatten them when the support of the window is increased. In certain applications it is desirable to retain peaks while smoothing the data as much as possible. In this paper we present a methodology called as peak-wise smoothing that will smooth the data to any desired level without losing the major peak features.

Green Building and Energy Saving

In a world of climate change and limited fossil fuel resources, renewable energy sources are playing an increasingly important role. Due to industrializations and population growth our economy and technologies today largely depend upon natural resources, which are not replaceable. Approximately 90% of our energy consumption comes from fossil fuels (viz. coal, oil and natural gas). The irony is that these resources are depleting. Also, the huge consumption of fossil fuels has caused visible damage to the environment in various forms viz. global warming, acid rains etc.

Surface Flattening based on Linear-Elastic Finite Element Method

This paper presents a linear-elastic finite element method based flattening algorithm for three dimensional triangular surfaces. First, an intrinsic characteristic preserving method is used to obtain the initial developing graph, which preserves the angles and length ratios between two adjacent edges. Then, an iterative equation is established based on linear-elastic finite element method and the flattening result with an equilibrium state of internal force is obtained by solving this iterative equation. The results show that complex surfaces can be dealt with this proposed method, which is an efficient tool for the applications in computer aided design, such as mould design.

An Experimental Study on Effects of Applying the Pulsating Flow to a Gas-Solid Fluidized Bed

There have been widespread applications of fluidized beds in industries which are related to the combination of gas-solid particles during the last decade. For instance, in order to crack the catalyses in petrochemical industries or as a drier in food industries. High capacity of fluidized bed in heat and mass transfer has made this device very popular. In order to achieve a higher efficiency of fluidized beds, a particular attention has been paid to beds with pulsating air flow. In this paper, a fluidized bed device with pulsating flow has been designed and constructed. Size of particles have been used during the test are in the range of 40 to 100μm. The purpose of this experimental test is to investigate the air flow regime, observe the particles- movement and measure the pressure loss along the bed. The effects of pulsation can be evaluated by comparing the results for both continuous and pulsating flow. Results of both situations are compared for various gas speeds. Moreover the above experiment is numerically simulated by using Fluent software and its numerical results are compared with the experimental results.

Morphometric Analysis of Tor tambroides by Stepwise Discriminant and Neural Network Analysis

The population structure of the Tor tambroides was investigated with morphometric data (i.e. morphormetric measurement and truss measurement). A morphometric analysis was conducted to compare specimens from three waterfalls: Sunanta, Nan Chong Fa and Wang Muang waterfalls at Khao Nan National Park, Nakhon Si Thammarat, Southern Thailand. The results of stepwise discriminant analysis on seven morphometric variables and 21 truss variables per individual were the same as from a neural network. Fish from three waterfalls were separated into three groups based on their morphometric measurements. The morphometric data shows that the nerual network model performed better than the stepwise discriminant analysis.

The e-DELPHI Method to Test the Importance Competence and Skills: Case of the Lifelong Learning Spanish Trainers

The lifelong learning is a crucial element in the modernization of European education and training systems. The most important actors in the development process of the lifelong learning are the trainers, whose professional characteristics need new competences and skills in the current labour market. The main objective of this paper is to establish an importance ranking of the new competences, capabilities and skills that the lifelong learning Spanish trainers must possess nowadays. A wide study of secondary sources has allowed the design of a questionnaire that organizes the trainer-s skills and competences. The e-Delphi method is used for realizing a creative, individual and anonymous evaluation by experts on the importance ranking that presents the criteria, sub-criteria and indicators of the e-Delphi questionnaire. Twenty Spanish experts in the lifelong learning have participated in two rounds of the e- DELPHI method. In the first round, the analysis of the experts- evaluation has allowed to establish the ranking of the most importance criteria, sub-criteria and indicators and to eliminate the least valued. The minimum level necessary to reach the consensus among experts has been achieved in the second round.

Pollution Control and Sustainable Urban Transport System - Electric Vehicle

Recently electric vehicles are becoming popular as an alternative of conventional fossil fuel vehicles. Conventional Internal Combustion Engine (ICE) vehicle uses fossil fuel which contributing a major part of overall carbon emission in the environment. Carbon and other green house gas emission are responsible for global warming and resulting climate change. It becomes vital to evaluate performance of vehicle based on emission. In this paper an effort has been made to depict the picture of emission caused by vehicle and scenario of Australia has taken into account. Effort has been made to compare the fossil based vehicle with electric vehicle in phases. The study also evaluates advancement in electric vehicle technology, required infrastructure for sustainability and future scope of developments. This paper also includes the evaluation of electric vehicle concept for pollution control and sustainable transport systems in future. This study can be a benchmark for development of electric vehicle as low carbon emission alternative for the cities of tomorrow.

Particle Simulation of Rarefied Gas Flows witha Superimposed Wall Surface Temperature Gradient in Microgeometries

Rarefied gas flows are often occurred in micro electro mechanical systems and classical CFD could not precisely anticipate the flow and thermal behavior due to the high Knudsen number. Therefore, the heat transfer and the fluid dynamics characteristics of rarefied gas flows in both a two-dimensional simple microchannel and geometry similar to single Knudsen compressor have been investigated with a goal of increasing performance of a actual Knudsen compressor by using a particle simulation method. Thermal transpiration and thermal creep, which are rarefied gas dynamic phenomena, that cause movement of the flow from less to higher temperature is generated by using two different longitude temperature gradients (Linear, Step) along the walls of the flow microchannel. In this study the influence of amount of temperature gradient and governing pressure in various Knudsen numbers and length-to-height ratios have been examined.

Endothelial-Cell-Mediated Displacement of Extracellular Matrix during Angiogenesis

Mechanical interaction between endothelial cells (ECs) and the extracellular matrix (or collagen gel) is known to influence the sprouting response of endothelial cells during angiogenesis. This influence is believed to impact on the capability of endothelial cells to sense soluble chemical cues. Quantitative analysis of endothelial-cell-mediated displacement of the collagen gel provides a means to explore this mechanical interaction. Existing analysis in this context is generally limited to 2D settings. In this paper, we investigate the mechanical interaction between endothelial cells and the extracellular matrix in terms of the endothelial-cellmediated displacement of the collagen gel in both 2D and 3D. Digital image correlation and Digital volume correlation are applied on confocal reflectance image stacks to analyze cell-mediated displacement of the gel. The skeleton of the sprout is extracted from phase contrast images and superimposed on the displacement field to further investigate the link between the development of the sprout and the displacement of the gel.