This study deals with the impact of Vietnam bank size, loans, credit risk, and liquidity on Vietnam banks’ net interest margin, which are crucial for economic development. High profit margins result in a lower bad debt ratio due to timely loan collection and good liquidity. This study applies a panel data model to evaluate the relationship among bank size, loans, credit risk, liquidity, and marginal profitability, which are increasingly important in commercial bank growth. Data were collected from 2010 to 2022, and test methods were applied to select a good-fit model. Realizing that the factors that have a close correlation and affect the profit margin are 33.6% and 16.07%, 75.2%, 37.51%, 64.30%, and 41.11%, and R2 is 59.04%, respectively, this suggests that financial managers need to develop appropriate strategies and policies to adjust the factors that adversely affect commercial bank profitability.

The structure and diversity of tree species in a temperate forest in northwestern Mexico was characterized. Nine sampling sites of 50 × 50 m (2,500 m²) were established, and a census of all tree species was carried out. Each individual was measured for total height and diameter at breast height. The importance value index (IVI) was obtained, calculated from the variable abundance, dominance and frequency. The diversity and richness indices were also calculated. A total of 12 species, four genera and four families were recorded. The forest has a density of 575.11 individuals and a basal area of 23.54/m². The species of Pinus cooperi had the highest IVI (79.05%), and the Shannon index of 1.74.

Micro-mobility has the potential to address first -mile challenges, improving transit accessibility and encouraging public transit usage. However, users’ acceptability of modal integration between various micro-mobility options and public transit remains largely unexplored in the literature. Our study investigates the user behavior for first-mile options, focusing on four alternatives: walking, bicycling, motorcycling, and bus, to access urban mass rapid transit (UMRT) in Hanoi, Vietnam. Based on data collected from 1380 individuals, a Nested Logit Model (NLM) was proposed to analyze the determinants of users’ acceptability under each access mode option as well as evaluate further impacts of shifts in access mode choice on vehicle-kilometer traveled and emissions. The analysis shows that the availability of access modes might increase UMRT use by 47.83%. While this increase further generates additional vehicle-kilometer traveled due to the increase in park-and-ride users, this is offset overall by the large number of motorcycle users shifting to UMRT. Under the most optimistic scenario, modal integration for transit-access trips leads to an average reduction of 17.7% in net vehicle-kilometer traveled or 14.5% in net CO₂ emissions or 10.9% in NO_x from private vehicles. Our findings also imply that the introduction of parking fees for bicycling- or motorcycling-access trips, while impactful, does not significantly change UMRT choice. Therefore, the pricing schemes should be a focus of parking planning surrounding stations. Finally, a number of policy suggestions for parking planning and first-mile vehicles are presented.

Prepolymers containing isocyanates must be prevented from curing when exposed to moisture, which can be achieved by blocking the isocyanate groups with a suitable agent. The study carefully examines several blocking agents, including methyl ethyl ketoxime (MEKO), caprolactam, and phenol, and concludes that methyl ethyl ketoxime is the best choice. Spectroscopic and thermal analyses, as well as oven curing studies, are conducted with various blocking agents and isocyanate prepolymer to castor oil ratios, revealing MEKO to be the most effective blocking agent which gets unblocked at higher temperatures.

The porous carbon/Ni nanoparticle composite was prepared by a freeze-drying method using NaCl as the template. It was applied in the effect of the concentration, adsorption time, and temperature of adsorption on the adsorption behavior. The kinetic model and the adsorption isothermic fitting results show that the adsorption behavior fits with the pseudo-secondary dynamics and the Langmuir isothermal model, indicating that the adsorption process is monolayer adsorption. Thermodynamic results indicate that the adsorption process is spontaneous physicochemical adsorption. The fitting showed that the porous carbon/Ni nanoparticle composites reach 217.17 mg·g^-1, at 313 K indicates good adsorption for Congo red.

Global energy agencies and commissions report a sharp increase in energy demand based on commercial, industrial, and residential activities. At this point, we need energy-efficient and high-performance systems to maintain a sustainable environment. More than 30% of the generated electricity has been consumed by HVAC-R units, and heat exchangers are the main components affecting the overall performance. This study combines experimental measurements, numerical investigations, and ANN-aided optimization studies to determine the optimal operating conditions of an industrial shell and tube heat exchanger system. The cold/hot stream temperature level is varied between 10 ℃ and 50 ℃ during the experiments and numerical investigations. Furthermore, the flow rates are altered in a range of 50–500 L/h to investigate the thermal and hydraulic performance under laminar and turbulent regime conditions. The experimental and numerical results indicate that U-tube bundles dominantly affect the total pumping power; therefore, the energy consumption experienced at the cold side is about ten times greater the one at the hot side. Once the required data sets are gathered via the experiments and numerical investigations, ANN-aided stochastic optimization algorithms detected the C10H50 scenario as the optimal operating case when the cold and hot stream flow rates are at 100 L/h and 500 L/h, respectively.