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The IUP Journal of Earth Sciences
Focus

The events such as land deformation, changes in some of the parameters like, sea level, tilt, strain, and crustal stress, foreshocks, anomalous seismic activity, b-value, and also changes in seismic wave velocity, water table, radon content and gas spouting are known to precede medium to large earthquakes. In the paper, Spurt of Geosignatures Signifying Possible Precursors to a Major Earthquake in Southwestern Indian Peninsula, H N Singh, D Shanker, V N Neelakandan, J Mathai, V P Singh and M Banerjee have observed several clusters of unusual natural incidents throughout the Kerala State during specific periods and tried to analyze the causative factors for these unusual deformations. After a quiescence period of about three months from March to May 2001, the incidents of collapse of several shallow open wells, draining of water, lowering of water level, land subsidence etc., were observed in various parts of the Kerala which continued up to November 2001. The sudden spurt in various unusual geological incidents including seismic events during 2001 spread over a vast area along the southwest coastal tract of India in the absence of any perceptible ground motion clearly indicates the unstable state of crustal blocks in this shield region. The temporal patterns of occurrences of such incidences have been attributed to the outcome of periodic stress release in the region. The authors of the present paper, analyzing the chain of events coupled with the existence of anomalous seismic activity using dilatancy diffusion model, infer that the region is preparing for a major earthquake.

The focal mechanism solutions give an estimate of the focal stress state of an earthquake. In the paper, Estimation of Stress Level in the Focal Region Before and After the December 26, 2004 M9.0 Sumatra Earthquake, Chen Xuezhong, despite the lingering scientific uncertainties that will probably always surround such complex phenomena, has estimated the stress levels of Sumatra earthquake. The study, based on a few highly reliable teleseismic waveform data, estimates the stress value before this large earthquake to be about 2.79 MPa and after the earthquake to be at 1.51 MPa. The paper concludes that the earthquake occurred under a relatively lower stress level.

Understanding the lateral complexity of carbonate reservoirs and their reservoir quality in both vertical and horizontal distribution is essential to find zones potential for accumulation of hydrocarbons. The paper, Petrophysical Evaluation of the Lower Cretaceous Thamama III, Northern Offshore in Abu Dhabi, UAE, Amir Gabr evaluates the reservoir quality of Thamama III in Zakum oil field, the main reservoir of the northern offshore oil fields of Abu Dhabi, United Arab Emirates. The study, through spatial distribution of the different petrophysical parameters such as pay zone thickness, shale content, porosity, permeability, fluid resistivity, water saturation and hydrocarbon saturation in the zones of hydrocarbons, reveals that the most effective diagenetic events are characterized by intra-matrix dissolution, moldic porosity and fracturing. These diagenetic events are found to follow a pattern locally by precipitation of well-crystalline rhombic dolomite partial cavity and fracture fillings. The porosities and permeabilities, and the best reservoir characteristics are observed towards northeastern direction.

Knowledge of geotechnical conditions of an area is a prerequisite to develop a modern sustainable urban area. When geotechnical status of the area is made available before planning, various environmental problems can be effectively managed and reduced remarkably. In the paper, Geotechnical Condition of Subsurface Fluvial Sediments in Pabna Town and its Adjoining Areas, Bangladesh, Md. Sultan-Ul-Islam, Md. Shamsuzzaman and Md. Badrul Islam present a detailed report on the geotechnical conditions of the Pabna Town area and correlated the subsurface lithology and geotechnical characteristics of soils. A geotechnical map, which distinctly divides the area into four major units has been prepared. The authors recommend that the geotechnical assessment of the subsurface sediments is essential before construction of civil engineering structures in the area because of the presence of plastic organic clay in several places of the Pabna town and adjoining areas.

- GRK Murty
Consulting Editor

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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