Ensuring banking stability is essential for economic resilience and the prevention of financial crises. Financial Stability Reports (FSRs) provide critical data on the financial system. This study advocates for the use of text mining tools to enhance the analysis of FSRs. Text mining offers a systematic method for extracting insights from unstructured data, allowing analysts to uncover detailed information on capital adequacy, risk management, and regulatory compliance. Additionally, this approach identifies emerging trends and vulnerabilities that may not be apparent through traditional analysis methods. The paper examines the application of text mining techniques to FSR analysis within the Republic of Armenia.

The aim of this study is to examine the short-run and the long-run equilibrium relationship between banking sector’s efficiency and stability and its endogenous and exogenous determinants such as inflation and international oil prices shocks in Saudi Arabia over the period 2004–2022. This study differentiates between the direct and indirect effects of international oil price changes on bank efficiency and stability to investigate the extent to which these changes can affect the banking sector through inflation. The first stage consists of using a panel Autoregressive Distributive Lag (ARDL). The empirical result confirms the existence of a long/short run relationship between oil price shocks and stability and efficiency of banks. In the long run the relationship is statistically significant and positive and is negative in the short run. On the other hand, this study finds that oil price shocks directly affect the stability and efficiency of banks. In the second stage, this study uses a nonlinear ARD (NARD) to examine the short- and long-run asymmetric impacts of oil price shocks on the stability and efficiency of banks by decomposing the oil price index into positive and negative changes. The finding confirms an asymmetric relationship between oil prices and the stability and efficiency of banks in Saudi Arabia. In addition, a positive change in oil price can affect the stability and efficiency of banks more than a negative one. Overall, the finding highlights the need for policymakers in Saudi Arabia to be vigilant in addressing the potential risks arising from oil price fluctuations and to adopt appropriate policy measures to maintain stability and efficiency in the banking sector.

Bank crisis can mostly be traced to a decrease in the value of bank assets. Banks are vulnerable to a number of risks. This happens in one or a combination of the following incidences; when loans turn bad and cease to perform (credit risk), when there are excess withdrawals over available funds (liquidity risk) and rising interest rates (interest rate risk). Bad credit management, market inefficiencies and operational risk, among a host others can trigger panic withdrawals by depositors with a sense of insecurity emanating from the fear of loss of investment. In fact, the failure of Barings Bank and Lehman Brothers Holdings Inc was attributable to varied factors spanning from non-monitoring of employee activities, management’s involvement in dubious accounting practices, unethical business practices by management, over indulging in risky and unsecured derivative trade. To guide against similar bank collapse in the near future, there should be an enhanced communication among international regulators and authorities that exercise oversight responsibilities on the security market. National bankruptcy laws should be invoked to forestall liquidity crisis so as to prevent freezing of margins and positions of solvent customers.

This study examines the integration of Environmental, Social, and Governance (ESG) factors into global banking practices and their impact on financial stability, measured by the Bank to Capital Asset Ratio. Through a comprehensive literature review and data analysis, the paper highlights the dual role of banks as catalysts for ESG investment and risk managers. It discusses the challenges and opportunities in transitioning to ESG-aligned business models, emphasizing the importance of regulatory frameworks and risk management approaches. The findings suggest that ESG integration enhances bank stability and competitiveness, contributing to sustainable economic development. The paper concludes with policy implications and recommendations for further integration of ESG factors into banking governance.

This research investigates the intricate dynamics between intellectual Capital (VAIC) and the stability of banks in the evolving context of Saudi Arabia's banking sector. Against the backdrop of rapid economic reforms under Vision 2030 and the challenges imposed by the COVID-19 pan-demic, the research provides a nuanced analysis of how intellectual capital and intellectual capital's components—Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), and Capital Employed Efficiency (CEE)—affect the financial stability of Saudi banks. The research analyses a decade-long panel dataset from 2012 to 2022, utilizing both fixed effects and cross-section random effects models to discern the impact of intellectual capital on bank stability. The findings reveal a positive overall influence of intellectual capital on bank stability; however, individual compo-nents present a complex relationship, with CEE showing a positive association and HCE and SCE demonstrating unexpected negative correlations with bank stability. The research identifies lev-erage (LEV) as a significant factor negatively impacting stability. Operational efficiency (OPEF) and size (SIZE) also negatively affect stability. Surprisingly, macroeconomic indicators and bank size exhibit non-significant effects on bank stability. Similarly, the direct impact of the COVID-19 pandemic was found to be non-significant, suggesting a resilient banking environment or the presence of effective mitigating strategies. As Saudi Arabia continues its ambitious economic transformation, this research underscores the critical role of effectively managed intellectual capital in ensuring the banking sector's stability. It provides a foundation for ongoing research in this vital area.

This study explores the implications of merging two fundamentally different types of banks: Islamic and conventional banks. The research aims to provide insight into such a merger's unique opportunities and challenges and offer strategic guidance for future mergers. A balanced scorecard-based strategic analysis using Quantum Spherical Fuzzy Decision-Making Approach was used to develop the merged bank's short- and long-term strategic plans. The balanced scorecard included 12 key performance indicators (KPIs) in 4 groups, and the methodology also incorporated several questions to guide the analysis. The study results offer valuable insights into the potential opportunities and challenges of merging these two types of banks and strategic recommendations for stakeholders at all levels. The study is a valuable guideline for future mergers between similar or different types of banks. Overall, the findings suggest that a well-planned merger strategy is essential for avoiding challenges and maximizing the benefits of merging Islamic and conventional banks. By integrating the strengths of both types of banks, a merged entity could create a competitive advantage and potentially improve financial performance. However, this requires careful consideration of cultural differences, regulatory challenges, and other factors that could impact the merger's success.

City marathons have evolved and grown exponentially in type and popularity, managerial complexity, for their financial impact on their host cities and for the attraction of corporate sponsors. Much research has focused on evaluating the broad economic, urban, tourist, social, sporting, and symbolic effects of city marathons on host cities. Research have not examined the importance of the contribution of sponsors to the financial stability and its implications to the overall management and further success of marathons. This article focuses on the cases of the Bank of America Chicago Marathon and the Marathon Valencia Trinidad Alfonso and examines how effective has been the contribution of their sponsors to the financial stability and its implications for the management and success of both races over time. Results show that the international success of both events –in terms of sporting participation, performance and economic impact– is closely related to the design and management of the event; the synergies between the political, business and sporting spheres that the organizational leadership of the event has made it possible to implement and, as a consequence, the support received from sponsors, which has not only provided both races with financial stability, but also has contributed to improve the management of the race.

Using annual panel data of 46 listed commercial banks in China from 2012 to 2021 and constructing a two-way fixed-effects model, this study empirically analyzes the competition and technology spillover effects of fintech on the profitability of commercial banks. The results show that (1) in the early stages of fintech development, the competition effect is larger than the technology spillover effect; thus, it is negatively correlated with commercial banks’ profitability. However, with the spread of innovative fintech, the technology spillover effects and commercial bank profitability will gradually improve. (2) The influence of fintech on the profitability of commercial banks differs. Compared to large commercial banks, fintech has more significant negative effects on small- and medium-sized commercial banks in the short run. However, the role of fintech for such banks will also grow in the future. The results of this study provide practical guidance for how commercial banks can respond to the fintech wave. To realize sustainable development of the banking industry, commercial banks should change their business philosophy and revenue model, vigorously improve their fintech innovation capability, differentiate their choice of fintech development routes, develop personalized customization with a focus on users, and ultimately realize digital transformation and upgrading.

As the demand for a more sustainable society increases, adopting a sustainable banking approach serves as a competitive advantage for banks that are focused on attaining bank loyalty. This study revolves around understanding the role of sustainable banking practices on bank loyalty, while exploring the mediating effect of corporate image in the relationship between sustainable banking practices and bank loyalty. 511 data derived from customers of the banking sector was adopted for this study. Result from the structural equation modeling shows that sustainable banking practices positively and directly affects bank loyalty and corporate image, corporate image directly and positively affect bank loyalty, and also mediates in the relationship between sustainable banking practices and bank loyalty.

Several empirical studies indicate that the lack of financing is one of the main barriers that affects the economic growth of small and medium enterprises (SMEs). The main objective of this investigation was to determine to what extent the economic sector; enterprise size; the characteristics inherent to the enterprise; legal status; the variables linked to the performance of the enterprise; and the attributes of the owner influence the access to bank financing of SMEs in Mexico. Using a discrete response probit regression model, the impact of enterprises characteristics on the probability of obtaining a bank loan was determined. The data collected is from the Enterprise Surveys of Mexico, carried out by the World Bank. The sample of 1,480 enterprises is representative by enterprise size, by economic sector, and by region. The research has a quantitative approach with a correlational scope and a non-experimental and transectional design. One of the main results highlights that the determinants with the greatest influence on access to bank financing are: age, the small size, foreign participation, and the manufacturing sector. These results are consistent with other empirical studies, as well as with the pecking order theory and the financial life cycle theory.

Islamic banks (IBs) have been criticized as not being genuinely Islamic, and the methods in measuring their performances have been debatable. While the literature on IBs performance has been emerging, such studies precisely assess its recent development remains absent. Therefore, we aim to evaluate the development of scholarly articles that measure IBs’ performances. We employ bibliometric analysis and sample related articles from the Scopus database. We find that the development of IBs performance literature may be understood by 111 peer-reviewed journal articles, 4 conference papers, 1 book, and 1 book series. We analyze these materials based on publication sources, country and institution affiliation, keywords association, and cluster dendrogram. Our model that quantifies the keywords association and cluster dendrogram provides a novelty in assessing IBs performance literature development. Future studies may replicate our model to cluster and identify the keyword associations from the unstructured data sources.

Hymenaea courbaril is an endangered species, promising to reforestation programs and mainly explored as a wood source. The available information concerning long-term storage methods, seed recalcitrance, parental, and substrate influence is scarce. This study focused on the seed behavior according to population origin and during one-year storage, also testing the efficiency of the low-temperature conservation. Variations between the uncertainty indexes were found to the studied populations after long-term storage. There was no significant loss of the germination potential in consequence of the prolonged storage period. Although, older seeds promoted gradually greater delayed germination. Germination speed, synchrony, and uncertainty indexes were substantially different between the -20° conservation and control. H. courbaril seeds are capable of long-term storage without losing their germination potential, indicating an orthodox behavior.

In recent years, with the increasing prominence of environmental and social issues, investors have been paying more attention to the ESG performance of enterprises, highlighting the importance of ESG factors in the financial field. This study is based on the theories of banking business models, stakeholder theory, risk management theory, and ESG investment theory. It uses the financial data and ESG scores of Chinese listed banks to deeply analyze the ESG factors and explore their impact on the liquidity risk of commercial banks. The research found that (1) good ESG performance can reduce the liquidity risk commercial banks face by improving bank value and financial performance. (2) ESG factors can also enhance the liquidity management level of commercial banks through standardization and sustainable business principles, thereby reducing the occurrence and impact of liquidity risk. Therefore, it is necessary to reduce the liquidity risk of banks and promote the sustainable development of commercial banks from four aspects: ESG performance and management, bank value, financial performance, and policy regulation.

Bridging widening socioeconomic gaps calls for a paradigm shift and the use of effective strategies such as Waqf banks to develop and provide basic services and such as education, shelter, employment opportunities and social amenities to the poor, while reducing the state’s burden and working to constructively address the reasons for the gap. Waqf banks are set-up through the use of cash waqfs and would operate multiple waqf funds alongside an assortment of financial instruments. Their earnings however are issued as low-cost credits to the poor, economically disadvantaged and the underprivileged regardless of their financial status, instead of focusing exclusively on generating shareholder profits. This would significantly aid the economy in steady, sustainable growth; effectively raising the lower bar on per capita income and lifting untold multitudes out of poverty. This study explores how interest-free and affordable loans can be provided to the poor or lower income demographics, while further discussing bank structures such as Shari‘ah compliance, services rendering, investment and waqf distribution. This study shows that there is a need for Shari’ah compliant waqf banks which in addition to providing services for beneficiaries, would also effectively manage investment and waqf funds that contribute to overall national development and economic growth. This inquiry would be of high relevance to experts, financial managers, regulators and policy makers in the fields of waqf, banking and finance.

Understanding how the deformed bed topography induced by near-bank vegetation impacts the hydrodynamics is significant for understanding the maintenance condition of bed morphology and further fluvial evolution. This issue has rarely been addressed by current studies. This study with a 2D hydro-morphological model investigates the hydrodynamics over flat and deformed beds with a near-bank vegetation patch. By varying the patch density, the generalized results show that the hydrodynamics for the deformed bed differs a lot from those for the flat bed. It is found that deformed bed topography leads to an apparent decrease in longitudinal velocity and bed shear stress in the open region and longitudinal surface gradient for the entire vegetated reach. However, the transverse flow motion and transverse surface gradient in the region of the leading edge and trailing edge is enhanced or maintained, suggesting the strengthening of secondary flows. Interestingly, the deformed bed topography tends to alleviate the turbulent effect caused by the junction-interface horizontal coherent vortices, indicating that the turbulence-induced flow mixing is highly inhibited by the deformed bed. Alternatively, the enhanced secondary flows might provide compensation for the flow mixing for the deformed bed, confirmed by a faster recovery of the redistributed water discharge for the vegetated and open regions to the normal value (50%). The interior flow adjustment through the patch for the deformed bed requires a shorter distance, which links the vegetative drag length with a logarithmic relation. The tilting bed topographic effect in the open region to accelerate the flow may account for the faster flow adjustment.

The study is carried out on the factors influencing customers’ brand loyalty. The study is aimed at evaluating customers’ brand loyalty status and identifying its determinants. To this end, an explanatory research design is used with the support of descriptive and multiple regression analytical techniques. From the customers of the bank 290 of them are selected using a purposive sampling technique. Questionnaires are administered to collect the primary data. The finding of the study indicates that the loyalty status of the customers is fragmented into hard-core loyalty, split loyalty, shift loyalty, and switching loyalty status with the inclination on the first and second categories of loyalty status. It also reflects that distribution, promotion, reputation, satisfaction and tangible benefits are the predictors of customers’ brand loyalty. A message of sticking on these determinants of loyalty is transmitted to the bank manager with the emphasis on the most predictors, i.e., distribution and promotion.

A robust bank industry is a major player in the stability of an economy. The operational efficiency and stability of banks are therefore paramount. By way of financial ratios and Z-score, this study analysed UT Bank’s financial performance prior to the 2017 bank sector reforms in Ghana. Annual financials over a ten year period (2007-2016) were used. Debt management practices of UT Bank per the results obtained were quite on the hind side and unimpressive. This was reflected in the poor leverage and risk management variables. UT Bank would have been unable to meet creditors’ claims considering the mean average values of debt-to-assets and debt-to equity ratios of 0.76 and 0.90 respectively. The entire bank sector will benefit if credit management practices of individual banks are refreshed and worked on. The bank industry regulator should tighten its supervisory and monitoring role over banks to help detect early signs of non-performing banks. The study further recommends that statutory lending limits of banks be re-enforced to uphold the threshold of 10 percent for unsecured loans and 25 percentage for secured loans of net owned funds of the bank.

Over the past decade, the credit quality of loan portfolios across most countries in the world remained relatively stable until the financial crises hit the global economy in 2007–2008. In this paper I discuss, the relationship between non-performing loans and economic landscape. Since 2008, nonperforming loans have been an increasingly hot topic in the international scene, due to their important and rising volume and their impact on the economy as a whole, on the banking system and on its credit supply. Since then, average bank asset quality deteriorated sharply due to the global economic recession. Yet the deterioration of loan performance was very uneven across countries. I am interested in explaining these differences in bank asset quality across countries and over time. In this paper, I therefore study the empirical determinants of non-performing loan (NPL) ratios using a data set for EU countries covering the past decade. The paper assumes that the spatial organization of banking systems and the geographical distribution of comercial banks branches, ATMs and GDP growth are major factors influencing the effectiveness in credit system. The aim of this paper is to construct a continuous and quantifiable model, which will demonstrate a role of economic condition, technology, competition, policy, business climate in Financial Stability. Main hypotheses suggests, that GDP growth, interest rate, new business, FDI, ATMs and geographical distribution of branches have an influences on NPL (non-performing loans).

This paper relies on accounting-based measures of country risk to investigate U.S. global banks' exposure to foreign country risk over the 2017 fiscal year as measured by the sum of cross-border risk, foreign office risk, and derivative risk claims. We achieve this using panel linear modeling methods with country level heterogeneity and time fixed effects, along with a constructed panel data of 284 observations on 71 countries distributed across 6 world regional blocks, and observed over 4 consecutive quarters starting from 4th quarter 2016 and ending with 3rd quarter 2017. The results show that on average, over the four quarters, a 1% increase in foreign banking sector's claims significantly increases U.S. global banks cross border risk exposure by 0.34%, while reducing derivative risk exposure by 0.22%, but have no significant impact on foreign office risk exposure. Similar results are observed with public sector claims which significantly increase banks' exposure to cross border risk by 0.21%, while reducing derivative risk exposure by 0.19%. Conversely however, non-bank financial sector claims are found to have no significant affect on cross-border risk exposure, but significantly reduce foreign office risk exposure by 0.09%, while increasing derivative risk exposure by 0.06%. These results indicate the presence of sectoral heterogeneities in U.S. banks' exposure to foreign counterparties' risk, and also that overall, over the course of 2017 the level of U.S. global banks' cross-border risk exposure increased, while their level of derivative risk exposure decreased, and the level of foreign office risk exposure remained relatively unchanged.

This paper proposes the use of Bayesian inference techniques to search for and obtain valid instruments in dynamic panel data models where endogenous variables may exist. The use of Principal Component Analysis (PCA) allows for obtaining a reduced number of instruments in comparison to the high number of instruments commonly used in the literature, and Monte Carlo Markov Chain (MCMC) methods enable efficient exploration of the instrument space, deriving accurate point estimates of the elements of interest. The proposed methodology is illustrated in a simulated case and in an empirical application, where the partial effect of a series of determinants on the attraction of international bank flows is quantified. The results highlight the importance of promoting and developing the private sector in these economies, as well as the importance of maintaining good levels of credit worthiness.

Currently, banks are facing challenges in fulfilling the interests of stakeholders, not only from the economic point of view but also from the environmental, social, and governance (ESG) aspects. This is due to the increasing concern for sustainability issues, including in lending activities. Lending activities constitute the largest portion of bank assets and are the largest contributor to bank revenues. Thus, banks need certain business models and strategies to encourage sustainable lending growth. This study aimed to build a sustainable business model and selection of sustainable lending strategies in state-owned banks in In-donesia using a value chain approach. The development of a sustainable business model utilized triple layer business model canvas (TLBMC) is based on the results of previous re-search and sustainability reports data of the three state-owned banks. Formulation of strat-egy selection as key drivers to drive sustainable lending utilized analytical hierarchy pro-cess (AHP) based on expert respondent data collected through questionnaires. This re-search showed that the lending distribution business model at state-owned banks in Indonesia, which was built using the TLBMC framework, can realize sustainability goals in the form of a sustainable lending business model. Furthermore, this sustainable business model can be used as a basis for selecting sustainable strategies. In addition, the AHP results obtained alternative strategies in the form of green loan and micro, small and medium enterprises (MSME) market development and penetration as the key drivers of sustainable lending growth.

The maneuverability of ships is influenced by several factors, including ship design, size, propulsion system, hull shape, and external conditions such as wind, waves, and currents. The size, shape, and arrangement of the hull, rudder, and propeller are decisive for maneuverability. Hydrodynamic forces such as bank effect and squat significantly impact the maneuverability of large ships in narrow channels. With the increasing trend of building ever-larger ships, the demand to evaluate the maneuvering performance of the ship at the design stage has become more critical than ever. Both experimental and computational methods are used to obtain accurate maneuvering characteristics of vessels. In this study, the methods for predicting ship maneuvering characteristics are analyzed using a systematic review based on the preferred reporting items for systematic reviews and meta-analyses (PRISMA). This article contributes to a deeper understanding of the hydrodynamic capabilities of ships and identifies possible future challenges in the field of ship hydrodynamics. The findings inform educators and the shipping industry about the importance of predicting the maneuvering performance of ships, with an emphasis on the education and training of seafarers needed to make timely decisions in critical situations.

Banks have enormous potential in supporting the achievement of sustainable development goals (SDGs) in accordance with their function as financial intermediaries through sustainable lending. However, the average national financing growth for the sustainable business activity category over the past four years is still 12%. The aim of this research is to identify the conditions of sustainable lending at state-owned conventional banks and analyze the influence of the value chain, economic performance and ESG performance on sustainable lending. The research was conducted at state-owned commercial banks in Indonesia. The research utilized a Structural Equation Modeling (SEM). The SEM results of this study describe value chain, ESG performance (environmental, social and governance) and economic performance have direct and positive influences on sustainable lending, of which ESG performance has the biggest influence. As per individual aspect, social orientation gives the biggest contribution toward sustainable lending.

Remote sensing plays a central role in the assessment of environmental phenomena and has increasingly become a powerful tool for monitoring shorelines, rivers morphology, flood waves delineation and floods assessment. Optical based monitoring and characterization of river evolution at long time scales is a key tool in fluvial geomorphology. However, the evolution occurring during extreme events is crucial for the understanding of the river dynamics under severe flow conditions and requires the processing of data from active sensors to overcome cloud obstructions. This work proposes a cloud-based unsupervised algorithm for the intra-event monitoring of river dynamics during extreme flow conditions based on time series of Sentinel-1 SAR data. The method allows the extraction of multi-temporal series of spatially explicit geometric parameters at high time and spatial resolutions, linking them to the hydrometric levels acquired by reference gauge stations. Intra-event reconstruction of inundation dynamics has led to the estimation of the relationship between hydrometric level and wet area extension and the assessment of bank erosion phenomena. Time series of SAR acquisitions, provided by Copernicus Sentinel-1 satellites, were analyzed to quantify changes in the wet area of a reach of the Tagliamento river under different flow conditions. The algorithm, developed within the Python-API of GEE, first empowers the Sentinel-1 images with the hydrometric level, then involves radiometric slope correction and speckle noise filtering. The Otsu method is then used for image segmentation leading to a water and dry land binary classification. Results support many types of analysis about river dynamics, including morphological changes, floods monitoring and relief efforts and bio-physical habitat dynamics. The results encourage future advancements and applications of the algorithm, specifically exploring SAR data from ICEYE and Capella Space constellations, which offer significantly higher spatial and temporal resolutions compared to Sentinel-1 data.

Retrogressive breach failures or coastal flow slides occur naturally in the shoreface in fine sands near dynamic tidal channels or rivers. They sometimes retrogress into beaches, shoal margins and river banks where they can threaten infrastructure and cause severe coastal erosion and flood risk. Ever since the first reports were published in the Netherlands over a century ago, attempts have been made to understand the geo-mechanical mechanism of flow slides. In this paper we have established that events, observed during the active phase, are characterized by a slow and steady retrogression into the shoreline, often continuing for many hours. This can be explained by the breaching mechanism, as elaborated in this paper. Recently, further evidence has become available in the form of video footage of active events in Australia and elsewhere, often publicly posted on the internet. All these observations justify the new term ‘retrogressive breach failure’ (RBF event). The mechanism has been confirmed in small-scale flume tests and in a large-scale field experiment. With a better understanding of the geo-mechanical mechanism, current protection methods can be better understood and new defense strategies can be envisaged. In writing this paper, we hope that the coastal science and engineering communities will better recognize and understand these intriguing natural events.

Objective: Taiwan Government’s organizations have endeavored to promote the applications of big data and open data. The “My Health Bank” is one of the measures promoted by the National Health Administration, Ministry of Health and Welfare. This study proposes the perspective of the “value co-creation” with the attempt to extend the concept of service ecosystem and apply it on the platform of My Health Bank to examine whether people (patients, families, and caregivers) can promote their health literacy? Method: This cross-sectional study, with people that have registered at “My Health Bank” as subjects. Complying with the inclusion criteria, 401 questionnaires were delivered, with 391 valid ones, excluding those incompletely and inaccurately filled. Result: That the affecting factors of the co-creation of values: age, education level, annual income, and platform operation show to be significant ( p＜0.05); and gender, occupation, and resource exchange do not reach the significant level (p＞0.1). Conclusion: We found My Health Bank changed the inertia of “value creation” in the traditional medical value, it allows the traditional medical and healthcare industry to expose to the impacts of the mega trend of the internet, the transformation of the platform in a necessary trend.

Russia is one of the largest cereal grain exporters in the world, churning out 34,3 million tons of export grain (wheat, barley and oats) in 2021. Plant infectious pathogens continue to be among the main factors in yield loss in the field and are a danger to the grain exporting industry's ability to expand internationally. This is primarily due to phytosanitary restrictions imposed by nations that monitor the presence and absence of certain phytopathogens in imported goods. Phytosanitary measures prevent the spread of plant pathogens, thus cutting the cost of dealing with them, once the pathogens invade new agricultural regions. This paper is devoted to the detection and identification of bacteria in samples of grain crops of three regions in The Republic of Crimea. The objects of the study were bacterial isolates from plant samples particularly wheat, oats, barley and triticale. The study was conducted in 2021. The identification of the isolates was carried out by sequencing a section 16–23S of the rRNA amplified by PCR with 8UA/519B, 27f/907r and PSf/PSr primers. Nucleotide sequences were deciphered using the Bio Edit program and compared with sequences placed in GenBank (https://blast.ncbi.nlm.nih. gov). The result of identification was considered an organism with maximum similarity. As a result, 38 samples of grain crops were collected, 95 bacterial colonies were isolated, of which 68 were identified to genus level and 22 were identified to species level. Some of the phytopathogens identified include: Agrococcus jenensis, Pseudomonas sp. and Curtobacterium sp. Some of the bacteria identified are beneficial like Ochrobactrum sp. Erwinia sp. and Pantoea sp. had a frequency of 28.95%, with Pantoea agglomerans having a frequency of 18.42%. Ochrobactrum sp. had a frequency of 10.53%. Enterococcus mundtii an frequency of 5.26%. Information about the species composition of bacteria on grain crops can be used to determine the spread of bacteria and their diagnosis and for bioinformatic analysis of genomes in search of species-specific genetic markers.

This study aims to determine how the effect of interest rates and changes in the dollar exchange rate (USD) on the stock price. The type of research carried out in this research is quantitative research with the object of research, namely Bank Central Asia (BCA). The data used in this study comes from secondary data, namely from books, the internet, documents, and banking sites. This study indicates that the independent variable, namely the interest rate, has a significant negative effect on the joint-stock price index and the other independent variable, namely the dollar exchange rate (USD), has a significant positive effect on the joint-stock price index. The coefficient test results show that interest rates and exchange rates (USD) simultaneously affect stock prices, namely 67.2% while the remaining 32.8% is influenced by other factors.

The Equator Principle is the goal of promoting the harmonious development of my country's economy and society. It promotes the green transformation and upgrading of the industrial structure by strictly controlling the flow of commercial bank funds, so as to achieve the goal of environmental protection and the coordinated development of the national economy. This paper uses factor analysis to reduce the dimensions of 10 financial indicators and non-financial indicators that measure the operating performance and development potential of joint-stock commercial banks, and then compares the comprehensive operating performance, liquidity, and safety of Industrial Bank and comparable banks. And the level of profitability, analyze the difference in comprehensive operating performance of joint-stock commercial banks joining the Equator Principles compared with commercial banks that have not joined the Equator Principles. The results of the study found that joining the Equator Principles of joint-stock commercial banks can improve comprehensive operating performance in the short term. In the long run, the development trend of Industrial Bank will be similar to that of comparable banks in the same category. Joining the Equator Principles of Industrial Bank can improve its liquidity and profitability, but it will not in the long run. Conducive to the improvement of the asset quality of joint-stock commercial banks. In this regard, the government, enterprises and financial institutions should work together to help commercial banks achieve an effective balance between operating performance and social responsibility, so as to achieve the goals of "carbon peak" and "carbon neutral".

As of today, there is not any direct report yet of the degree to which missing residues exist for experimentally determined membrane protein (MP) structures, which constitute more than half of current drug targets. With a chain- and position-specific visualisation and a statistical analysis of all MP structures inside PDB (as of September 25, 2019), this article argues that the experimentally uncharted territories (EUTs, i.e., consisting of missing residues) within PDB are pluggable and should be plugged with an experimental data-driven hybrid approach, and calls for continued development of MP structural determination with less and less EUTs, in light of MPs' crucial role in biological and biomedical research, both fundamental and pharmaceutical.

Unsteady flow is the most common and complicated form of fluid motion in nature. This paper takes the beaches of key waterways in the middle and lower reaches of the Yangtze River as the research object, analyzes the water surface distribution and average flow velocity distribution near the beach, and analyzes the differences. The relationship between the flow pattern of the steep slope and the water flow pattern of the entire survey area and the steep slope of the beach and its nearby water flow structure. The water flow near the beach is divided into four major blocks: the swelling water area, the falling water area, the backwater area and the maximum flow rate area. The water flow structure characteristics and the cause of each block are analyzed.

Utilizing ecological engineering to manage pests by enhancing the biological control function of natural predators through the selection of high-efficiency bank plants and the establishment of bank plant systems within agricultural ecosystems is an optimal strategy. While bank plant systems have found widespread use in greenhouse crop cultivation, their application in rice fields remains limited. This study aimed to assess the efficacy of Leersia sayanuka as a bank plant for controlling planthoppers and to explore the potential of sesame as a complementary plant to enhance the effectiveness of the bank plant system through field trials. The findings revealed that planting a strip of L. sayanuka, at least 50 cm wide and extending over 1 m in length, had a notable impact on planthopper control in paddy fields. Moreover, the incorporation of Sesamum indicum, a nectar plant, into the bank plant system consisting of L. sayanuka, Nilaparvata muiri, and Anagrus nilaparvatae, led to a significant increase in the population of Anagrus spp. in rice fields. This increase was accompanied by a rise in the egg parasitism rate targeting rice planthoppers, resulting in a marked improvement in overall rice planthopper control in paddy fields. Thus, the combined system demonstrated efficiency as an effective bank plant system for managing rice planthoppers.

Using the World Bank Global Findex Database for 91 countries in 2014, 2017, and 2021, we examine whether fintech levels influence bank performance and whether fintech’s interaction with GDP per capita causes differential effects on bank performance globally. Since fintech levels were already very high for rich countries when the World Bank started providing fintech development statistics in 2014, we estimate AbFintech by regressing fintech levels on GDP per capita by year. AbFintech is the difference between the fintech level and its fitted values. Then, using multiple regression analyses, we investigate the impact of AbFintech on bank performance worldwide, focusing on the differential effects of AbFintech and GDP levels on bank performance. We find AbFintech significantly increases bank performance, primarily in less developed countries. Specifically, AbFintech increases banks’ ROA in the least developed countries and net interest margin in the 75th percentile countries. Also, AbFintech decreases the cost-to-income ratio in the 75th percentile countries, while it increases the ratio in the most developed countries. AbFintech does not affect the ratio of noninterest income to total income, regardless of the level of economic development.

This study examined the relationship between financial sector liberalization and agricultural sector output in Nigeria using annual data spanning the period 1986-2020. Specifically, the objectives of the study are to examine the relationship between lending rate, exchange rate, commercial bank credit to agriculture, inflation rate and agricultural sector output in Nigeria. Ex-post facto research design was employed and the annual time series data were collated from Central Bank of Nigeria (CBN) Statistical Bulletin. The econometrics methods of unit root, co-integration and error correction mechanism were used for the analyses. The outcome of the ADF unit root test show that the variables were stationary. Also the co-integration result showed that there exist co-integration amongst the variables in the model. The results from Error Correction Model indicates that lending rate and inflation rate have a negative relationship on agricultural sector output while exchange rate and commercial bank credit to agriculture have positive relationship on agricultural sector output. Based on these results, this study recommends that government and policy makers in Nigerian should initial policies that will boost investments in the agricultural sector through direct provision of credits to agriculturist and banks should also lend at a very low and subsidized interest rate to enable farmers’ access agricultural loans that will boost agricultural productivity in the economy.

In areas with strongly seasonal climates, local people often use complex strategies to manage agricultural production shortages, including diverse activities such as hunting, selling and consuming non-agricultural products, and wage labor. We surveyed all the households in a village in northern Laos to evaluate how such livelihood activities varied during years with differing agricultural production conditions. We compared two years with normal rice production conditions (2010, 2012) and one year with a severe rice shortage (2011) due to a rodent outbreak. Earning wages inside and outside the village was the most important activity for mitigating rice shortages, followed by selling livestock and using/selling non-timber forest products. Villagers also borrowed rice from a village rice bank. Most cash income was earned from selling rice. We concluded that a balance of traditional risk management activities under the swidden system (e.g., raising livestock) with the more recent rice bank system and wages from the market economy will be critical for the sustainable development of mountain villages in northern Laos. Permanent crops and monocultures tend to make local livelihoods more dependent on a single crop, but maintaining the traditional swidden system will help local people to manage agricultural production shortages.

(1) Food banks have played an important role in reducing food losses and waste and improving the food insecurity situation of vulnerable people. This study aims to conduct a systematic review of food bank evaluation studies and bring new perspectives for future research and decision-making. (2) 58 articles were selected and analyzed from a survey on the Web of Science and Science Direct Platforms. Bibliometric analyses and analyses of the evaluation methodologies used were presented. (3) The bibliometric results indicate an internationalization of the studies since 2013, with a focus on developed countries, and a direct relationship between the location of the research institutes and the location of the organizations studied. Analysis of evaluation methodologies showed that the main aspects evaluated are related to long-term impact, short-term impact and results, indicating less interest in the internal processes and activities of organizations. This result raises important questions for researchers and decision-makers: to what extent evaluation studies reflect the reality and context of a given country or region and to what extent evaluation studies reflect the management processes of food banks.

The link between the world of communication and the world of racing is provided by telemetry systems in electric racing cars. These systems send real-time data about the vehicle’s behavior and systems to enable informed decisions during the race. The aim of this research was to integrate telemetry into the battery bank of a racing electric vehicle to find the optimal values of current and voltage that optimize the charging process, thus improving the vehicle’s performance in competition using Response Surface Analysis. Particularly, the telemetry system consisted of an Arduino Mega, a digital wattmeter, and temperature sensors, all installed in the vehicle. Once the telemetry data was obtained, a response surface design was adapted with current, voltage, and temperature as factors, varying from low to high values, with the objective function being to minimize the battery’s charging time. Applying the response surface methodology and the steepest descent algorithm, it was found that all factors significantly affect the charging time, with the minimum charge time being 6961 seconds, obtained with a current of 2.4 amps and voltages of 50.5 volts and 43.6 volts.

This study addresses the implementation of the International Financial Reporting Standard 9 (IFRS 9) in the European Union as of January 1, 2018, replacing the International Accounting Standard 39 (IAS 39) to introduce a new model for recognizing Loan Loss Provisions (LLP) based on Expected Credit Loss (ECL). This model responds to criticisms of the former Incurred Credit Loss (ICL) system for its inability to reflect credit losses in a timely manner, potentially exacerbating the effects of financial crises (Bushman & Williams, 2015; Gebhardt & Novotny-Farkas, 2011). The study focuses on the effects of adopting the ECL model on the level of Loan Loss Allowances (LLA) in loans, own equity, and the Common Equity Tier 1 (CET1) ratio across 13 Portuguese commercial banks. A mean comparison test is used to evaluate scenarios before and after the application of the ECL model, highlighting the importance of regulator actions and the adequacy of loss recognition policies, including the effects of Regulation (EU) 2017/2395 of December 12. The results obtained demonstrate significant negative impacts on the net values of loans, own equity, and the CET1 ratio upon adopting the IFRS 9 ECL model, due to the widespread increase in LLAs.

Indonesia's government anticipates waste problems by managing them through a large number of waste reduction programs. From a governance perspective in Indonesia, it is known that actors from diverse governmental levels and across sectors are involved in waste management, and their involvement largely depends on their institutional goals and problems. Hence, they are expected to coherently collaborate together by developing and implementing sustainable instruments and resources for improving waste management problems. However, it is necessary to understand how supportive and restrictive the governance of waste reduction programs is to encourage successful trash reduction. This study is designed to evaluate and examine the application of Community-Based Solid Waste Management (CBSWM) in Makassar. In this research, The Governance Assessment Tool (GAT) was applied to analyze the governance context of the waste reduction programs in Makassar qualitatively. From the assessment, contexts can be described as either supportive or restrictive of the processes of implementing public policies on waste management. As a result of such an assessment, this study shed light on some opportunities to improve the governance of waste management implementation's impact on reducing waste in Makassar, South Sulawesi, Indonesia. The conclusion of this study depicts that the most important actors are affiliated with the local government and the community. Moreover, this study shows that the assessment of contextual governance is predominantly restrictive.

The use of risk measures such as the Value at Risk (VaR) or Tail Conditional Expectation (TCE) is required by the Basel Committee on Banking Supervision in determining a bank’s risk profile. However, both measures can be shown to have shortcomings in the information that they provide to regulators and investors. In this paper we present an introduction to risk measure calculations before demonstrating the weaknesses of these measures. Through the exploration of specific cases we show how familiar yet differing risk profiles have identical values for combinations of these measures. From this evidence we recommend that a sequence of several risk measures should be used to give a more accurate representation of the risk contained on banking balance sheet.

Disaster Risk Reduction (DRR) is a high priority on the agenda of main stakeholders involved in sustainable development and Earth Observation (EO) can provide useful, timely and economical information in this context. This short communication outlines the European Space Agency’s (ESA) specific initiative to promote the use and uptake of satellite data in the global development community: ‘Earth Observation for Sustainable Development (EO4SD)’. One activity area under EO4SD is devoted to Disaster Risk Reduction: EO4SD DRR. Within this project, a team of European companies and institutions are tasked to develop EO services for supporting the implementation of DRR in International Financial Institutions’ (IFI) projects. Integration of satellite-borne data and ancillary data to generate insight and actionable information is thereby considered a key factor for improved decision making. To understand and fully account for the essential user requirements (IFI & Client States), engagement with technical leaders is crucial. Fit-for-purpose use of data and comprehensive capacity building eventually ensure scalability and long-term transferability. Future perspectives of EO4SD and DRR regarding mainstreaming are also highlighted.

Nowadays, the transactions carried out with digital currencies are increasing. Citizens are asked to respond to growing challenges related to the sustainable management of digital currencies in their daily lives. However, due to the lack of digital skills of users, the sustainable management of digital currencies hides risks. The methodology of this study was based on the Digital Competence Framework for Citizens (DigComp) and is applied through a questionnaire completed by 443 respondents. The main objective was to evaluate their digital skills from the perspective of digital currency use. The analysis of the responses was carried out by using Structural Equation Modeling (SEM). The most important result from this research reveals that users of digital currencies are significantly capable of developing sustainable communication to solve everyday problems. At the same time, users of digital currencies mostly detect digital threats and effectively manage fake news without being affected by them. However, users of digital currencies consider that security issues are important, but only for transactions and not for their supporting functions. The study concludes with suggestions for improving the experience of digital currency users through individual actions, thus having a positive impact on the state and banking institutions.

This study assesses the dynamic relationship between macroeconomic factors and bank asset quality based on changes in the condition of stock market returns. A Generalized Method of Moments (GMM) model is employed, using panel data from 18 universal banks spanning the period 2007 to 2021. The analysis revealed that the real GDP growth rate, the average lending rate, and the real exchange rate represent a set of macroeconomic factors with a marked influence on banks' asset quality. In addition, a high inflation rate was found to exert an adverse effect on asset quality, as it affects borrowers' financial ability to meet loan repayment obligations. Furthermore, the study verified the existence of a positive relationship between market condition and asset quality, which implies that bank performance adapts to changes in market conditions as posited under the Adaptive Market Hypothesis (AMH). Bank managers should consolidate banks' asset bases during conditions of market stability to withstand periodic market fluctuations to boost trading momentum. Policy recommendations are suggested to foster a conducive business environment for bank stability.

Abstract: A large number of collecting expeditions were launched in regions of ‘centers of diversity’ and hundreds of thousands of sample have been collected and stored in gene banks as ‘genetic resources’. So far, only a small number of the samples have been evaluated for their biotic and abiotic stress tolerance. Now, their time to become useful has come. A new global phenomenon has arisen – climate change. The crop genetic resources and their wild progenitors that have survived countless years of changing environment during the last 11,000 years could harbor genes that may be useful under the new growing conditions and environmental factors thrown up by climate change and global warming. With the deployment of modern bio-engineering techniques selected genes or gene fragments can be transferred from genetic resources to modern varieties of crop plants to make them well-prepared to mitigate the effects of global warming and climate change. The latter is the most serious issue facing plant breeders today. New pests and diseases could affect crop production. These review paper discusses various impacts and issues as a result of this phenomenon and suggest ways to safeguard our most important crops through better management of crop plant genetic resources in the near future.

The importance of antibodies in health care and the biotechnology research and development demands not only knowledge of their experimental structures at high resolution, but also practical implementation of this knowledge for both effective and efficient design and production of antibody for its use in both medical and research applications. While the experimental wet-lab approach is usually costly, laborious and time-consuming, computational (dry-lab) approaches, in spite of their intrinsic limitations in comparison with its experimental (wet-lab) counterpart, provide a cheaper and faster alternative option. For the first time, this article reports a comprehensive set of structural electrostatic features extracted from experimentally determined antigen-antibody-related structures, including especially those structural electrostatic features at the interfaces of all experimentally determined antigen-antibody complex structures as of February 29, 2020, to facilitate effective and efficient machine learning-based computational antibody design using currently available experimental structures inside Protein Data Bank.

The influence of diet and nutritional status of milk donors on the nutritional composition of donor human milk (DHM) is unknown. The present study aimed to determine the nutritional profile of DHM and the associations of donors’ dietary intake and nutritional status with micronutrient and lipid composition in DHM. For this purpose, 113 donors completed a food frequency questionnaire, provided a 5-day weighed dietary record, and collected milk for 5 consecutive days. Nutrient determinations in donors’ erythrocytes, plasma, urine, and milk were performed. Multiple linear regressions were conducted for the evaluation of the associations. We highlight the following results: DHM docosahexaenoic acid (DHA) was positively associated with donors’ plasma DHA content and donors’ DHA intake (R2 0.45, p < 0.001). For every 1 g/day of DHA intake, the percentage of DHA in DHM increased by 0.38% (% of total fat) and the percentage of total omega-3 in DHM increased by 0.78% (R2 0.29, p < 0.001). DHM saturated fatty acids were positively associated with erythrocyte dimethyl acetals, plasma stearic acid, trans fatty acids intake, and breastfeeding duration, and negatively associated with erythrocyte margaroleic acid (R2 0.34, p < 0.01). DHM cholecalciferol was associated with plasma cholecalciferol levels and dairy intake (R2 0.57, p < 0.01). Other weaker associations were found for free thiamine, free riboflavin, pyridoxal, dehydroascorbic acid, and lipid profile in DHM. In conclusion, the diet and nutritional status of donors influences the fatty acid profile and micronutrient content of DHM.

We conducted the meander evolution experiments incorporating the effects of riparian vegetation and the series of upper vortex flow disturbances induced by a scour pit simultaneously. Two employed nonlegume plants with salinity and alkalinity resistance, had uniform degrees of seedling normal growth and different lengths of root networks. Our results show that riparian vegetation in general can consolidate the single-thread channel planform without branching outward under the flooding flow conditions. Transverse point bars on inner banks were instead by downstream scroll bars in overall channel for long, unless the coupling of riparian vegetation and flood scour. Shallow-rooted plant was inadequate to resist the inner-bank cutting effect brought by the upper vortex flow. Deep-rooted plant can stabilize the bank-lines and thalweg significantly, but that was susceptible to locally low vegetation coverage. Using evolutionary spectral analysis based on thalweg, we found streamwise high-frequency distribution of bed topography mainly concentrated downstream the bifurcation interface in unvegetated scenario when faced with a flood, shrank to the upper isolated turning interface in shallow-rooted scenario, and conversely stood out along the bare roots disturbed region in deep-rooted scenario. This experimental study expands a much wider understanding of vegetation effects in hydro-bio-geomorphological systems engineering.

In financial time series modelling and forecasting, combining ARMA and GARCH models tend to produce superior and reliable models for volatility persistence, half-life volatility and backtesting (application of model in real life). In Nigeria, banking stocks are mostly traded because of its potential benefits to investors. This study modelled and forecasted the Guaranty Trust (GT) Bank daily stock returns from January 2^nd 2001 to May 8^th 2017 data set collected from a secondary source. The ARMA-GARCH models, persistence, half-life and backtesting were used to analysed the collected data using student t and skewed student t distributions, and the analyses are carried out R environment using rugard and performanceAnaytics Packages. The study revealed that using the lowest information criteria values only could be misleading rather we added the use of backtesing. The ARMA(1,1)-GARCH(1,1) models fitted exhibited high persistency in the daily stock returns while the days it takes for mean-reverting of the models ranges from 5 days to 100 days but unfortunately the models failed backtesting. The results further revealed ARMA(1,1)-eGARCH (2,2) model with student t distribution provides a suitable model for evaluating the GT bank stock returns among the competing models while it takes less than 30 days for the persistence volatility to return back to its average value of the stock returns. This study recommended that researchers should adopt backtesting approach while fitting GARCH models while GT bank stocks investor should be assured that no matter the fluctuations in the stock market, the GT bank stock returns has the ability to returns to its mean price return.

Sources of resistance to powdery mildew in wild barley (Hordeum vulgare subsp. spontaneum) collected in Jordan, Lebanon, and Libya Jerzy H. Czembor 1, *, Elżbieta Czembor 1 1 Plant Breeding and Acclimatization Institute – National Research Institute (IHAR-PIB), Radzikow, 05-870 Błonie, Poland; e.czembor@ihar.edu.pl (E.C.) *Correspondence: j.h.czembor@ihar.edu.pl) Abstract Barley powdery mildew (BPM) is caused by the pathogen Blumeria graminis f.sp. hordei (Bgh). It is an economically important disease and plant pathologists are looking for new sources of resistance to BPM. Barley genetic resources present in gene banks are often a rich source of disease resistance to be used by breeders. These new sources of resistance to BPM are often used in combination (pyramiding) with those that are already used in modern cultivars. Barley accessions, including the wild subspecies Hordeum vulgare subsp. spontaneum (Hvs), are stored in many gene banks and often are a valuable source of economically important characteristics. This source of biodiversity should be more efficiently used to improve barley in the process of plant breeding. However, their proper characterization and availability are urgently needed. The resistance to BPM in 81 accessions of wild barley (Hvs) collected in Jordan (47), Lebanon (23), and Libya (11) was investigated. The seed samples of these accessions were obtained from the ICARDA gene bank and collected in 10 expeditions from 1981 to 1995. Twenty European differential isolates of BPM were used to select accessions with efficient resistance. Thirty-one resistant single plant lines were selected from 15 accessions from Jordan and Libya based on tests performed with the most avirulent isolate of Bgh available. These resistant single plant lines were tested for the presence of specific resistance genes using a differential set of Bgh isolates. After analysis of obtained results, it was concluded that all tested 31 single plant lines of wild barley have genes for resistance that are not represented in the Pallas isolines differential s. Twenty-six lines of Hvs selected from accessions originated in Jordan and Libya showed resistance reaction to all isolates used. Identified new sources of effective resistance to BPM in single plant lines of Hvs will be further tested and used in barley pre-breeding programs. Keywords: Blumeria graminis; resistance genes; resistance; germplasm; gene bank;

The architecture, Engineering, and Construction (AEC) industry is dealing with serious challenges on a global scale, i.e., project delays, budget overruns, and insufficient stakeholder collaboration. In this context, Value Engineering (VE) and Building Information Modeling (BIM) have been used recently to address these challenges and cope with large-scale and complex construction projects. An extensive body of literature highlights significant advantages of integrated VE within BIM technology. Despite this, it is full practical potential has not yet been realized. For this reason, this paper aims to investigate the integration of Value Engineering (VE) and Building Information Modeling (BIM) within a Common Data Environment (CDE) for the Architecture, Engineering, and Construction (AEC) industry. In doing this research, a comprehensive framework was developed and systematically implemented into practice through the use of four interconnected modules: (M. 1); Creating CDE, (M. 2); Design BIM Model Development, (M. 3); Value Analysis / Engineering Model, and (M. 4); Value Engineering Study. Introducing a new term the ""VEIDEA"" databank based on the OmniClass classification system provides a structured database utilized to store, manage, and accumulate VE ideas. Moreover, the study incorporates the Analytical Hierarchy Process (AHP) to automate the evaluation phase. Such a framework seeks to assist designers and VE team members make informed decisions when choosing appropriate design alternatives. Lastly, a case study method was adopted to examine the proposed framework for an office building. Quantitative data showed a significant link between cost savings and VR integration with BIM technology. For instance, cost of the RC slabs dropped by 20%, while flooring materials cost dropped by a 39%. Empirically, evidence from the case study supports literature regarding t the potential for significant enhancements in both cost-effectiveness and overall project performance through this innovative integration. In the context of knowledge contribution, this study provides an innovative way to assist designers and VE team members in making well-informed decisions when choosing appropriate design alternatives.

High-resolution (2 km) high-frequency (hourly) SST data from 2015-2021 provided by the Advanced Himawari Imager (AHI) onboard the Japanese Himawari-8 geostationary satellite were used to study spatial and temporal variability of the China Coastal Front (CCF) in the South China Sea. The hourly SST data were processed with the Belkin and O’Reilly (2009) algorithm to generate long-term mean monthly maps of SST gradient magnitude (GM) and frontal frequency (FM). The horizontal structure of CCF was investigated from cross-frontal distributions of SST along 11 fixed lines that allowed to determine inshore and offshore boundaries of the CCF and calculate the CCF strength defined as the total cross-frontal step dSST = Offshore SST – Inshore SST. Combined with the results of Part1 of this study (Belkin, Lou, Yin, 2023), where the CCF was documented in the East China Sea, the new results reported in this paper allowed the CCF to be reliably traced from the East China Sea via Taiwan Strait into the northern South China Sea and farther west up to the east coast of Hainan Island.

Credit rationing, especially prevalent for smaller firms, impedes economic growth. A Central Bank aligned “not for profit” managed business to business “Stable-Coin” (“Synthetic Central Bank Digital Currency”) providing trade debt liquidity can lower small firm credit rationing. It raises growth by reducing monetary transmission imperfections consequent upon asymmetric information, commercial bank underwriting restrictions, market power dynamics and regulatory distortion. A simple framework is developed to contextualise small firm credit rationing and associated monetary transmission imperfections with broader credit flows into both the real and monetary sectors. Evidence is presented regarding US monetary transmission efficacy to firms, paving the way to proposing a trade debt business to business focused stable-coin to help close credit rationing gaps. Designed to minimise “moral hazard”, the proposed stable-coin provides an additional monetary transmission channel that supplies interest free trade debt funding to firms to support economic activity and raise growth. In addition to helping close the small firm financing gap, the stable-coin provides policy makers with an additional contra-cyclical monetary transmission instrument to minimise real economic disruption consequent upon financial system crises and liquidity events.

Financial Market Infrastructures (FMIs) are crucial for the efficient operation of financial markets. However, studies focusing on Chinese FMIs are limited. Following the release of a draft regulation on Chinese FMIs in December 2022, this study, building on Zhang and Yin (2023), provides an updated analysis. It introduces non-central bank affiliated FMIs with the latest data, explores the evolution of regulatory reforms, and examines the newly-released regulations. In particular, it offers a critical review of specific regulations and their implications for China's recent policy shift towards prioritizing security and establishing financial dominance. Finally, the study outlines a research agenda for future investigations.

Here we compile a detailed record of eddies and examine their intra-annual variability over the Spitsbergen Bank in the northwestern Barents Sea using spaceborne Sentinel-1 A/B synthetic aperture radar (SAR) data acquired in 2018. Analysis of 3070 SAR images enabled to register 1758 eddy manifestations in the marginal ice zone (MIZ) and 1631 signatures in the open water (OW). Submesoscale and small mesoscale eddies were observed within a range 0.2-40 km with the range of MIZ eddies being twice larger than that of OW eddies. We note a strong seasonal variability of eddy diameters and the ratio of cyclones to anticyclones. The eddies were present in all seasons showing an approximate parity in eddy generation intensity in the surface layer between winter and summer. The peak eddy activity is observed during the first (January to March) and third (July-September) quarters of the year. A well-pronounced seasonality of SAR-derived eddy intensity correlates with that of eddy kinetic energy in the surface layer of the Eurasian Arctic. Eddies were detected most frequently in Storfjorden, south of Edge Island, near Hopen Island and along the entire eastern flank of the Spitsbergen Bank. Very low eddy activity was observed in the central part of the bank. The MIZ eddies were recorded during eight months of the year peaking in February, and being spatially limited by a 200-m isobath. The OW eddies were widely dispersed across the study domain peaking in August and tending to accumulate in regions of relatively weak surface currents. In summer, about 20-25% of them were observed within the Barents Sea Polar Front.

This study, which investigates the impact of foreign bank entry on the efficiency and sustainability of domestic banks in developing countries using a Meta-Frontier analysis to estimate efficiency scores, presents findings of significant importance to banking and finance. By incorporating financial, social, and environmental sustainability proxies—such as efficiency, loan portfolio composition, and macroeconomic conditions—this study assesses whether foreign competition enhances or undermines the long-term stability of domestic banking sectors. The results show that while foreign banks can improve financial efficiency, they may destabilize domestic banks, notably smaller or less capitalized institutions. Additionally, the findings suggest that banks with higher investments in SME lending and green projects demonstrate better social and environmental sustainability. Policymakers and financial institutions must consider these dual effects when promoting foreign bank entry.

Nowadays, brain signal processing is performed rapidly in various brain-computer interface (BCI) applications. Most researchers focus on developing new methods for the future or improving the basic implemented models to identify the optimum standalone feature set. Our research focuses on four ideas. One of them introduces future communication models, and the others are for improving old models or methods. These are: 1) new communication imagery model instead of speech imager using the mental task: Due to speech imagery is very difficult, and it is impossible to imagine sound for all of the characters in all of the languages. Our research introduces a new mental task model for all languages that call Lip-sync imagery. This model can use for all characters in all languages. This paper implemented two lip-sync for two sounds, characters or letters. 2) New combination Signals: Selecting an inopportune frequency domain can lead to inefficient feature extraction. Therefore, domain selection is so important for processing. This combination of limited frequency ranges proposes a preliminary for creating Fragmentary Continuous frequency. For the first model, two s intervals of 4 Hz as filter banks were examined and tested. The primary purpose is to identify the combination of filter banks with 4Hz (scale of each filter bank) from the 4Hz to 40Hz frequency domain as new combination signals (8Hz) to obtain well and efficient features using increasing distinctive patterns and decreasing similar patterns of brain activities.3) new supplement bond graph classifier for SVM classifier: When SVM linear uses in very noisy, the performance is decreased. But we introduce a new bond graph linear classifier to supplement SVM linear in noisy data. 4) a deep formula recognition model: it converts the data of the first layer into a formula model (formula extraction model). The main goal is to reduce the noise in the subsequent layers for the coefficients of the formulas. The output of the last layer is the coefficients selected by different functions in different layers. Finally, the classifier extracts the root interval of the formulas, and the diagnosis does based on the root interval. For all of the ideas achieved the results of implementing methods. The results are between 55% to 98%. Less result is 55% for the deep detection formula, and the highest result is 98% for new combination signals.