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It is impossible to imagine a modern business without the presence of banks and the banking market. As the number of transactions and participants progressively increases, competition between banks is increasing as well. In order to ensure that the bank, in the crude conditions of the fight for the client, has won its market share and participated with other banks, it is necessary to follow the trends that appear in the field of providing banking services. The dynamics of today's business puts extraordinary demands on business entities, as well as banks as their backbone. One of the main conditions to keep pace with modern business trends is the introduction of new banking products as a result of continuous work and monitoring the current needs of service users in terms of a priority task for maintaining and improving the bank's operations. In this way, the old ones are retained, but new clients are also attracted.

The aim of the paper is to find a place in the financial markets in the system of the modern market economy, and therefore its importance, which is primarily to attract new capital. Capital as something that drives the world can be especially important precisely in that light. Without him, there is no progress. It is important both at macro and micro level. This paper approaches capital flows and gives answers to questions that have always been current, and it would be said especially in the time of today. What attracts new amounts of capital in national market economies, what investors care about, their type and scope, the concept and the emergence of the stock market as a specific form of financial markets, etc.

The article discusses the exposure of preserved shale samples from four shale cores to aqueous fluids while under simulated downhole stress conditions. The author mentions that observation was made for pore pressures both less than and greater than the applied fluid pressure. The author also states that calculation was applied to apparent osmotic membrane efficiencies.

In contemporary mining industry is very difficult to achieve production targets and profit without investing effort in detailed excavation planning. It is especially true for deposits with complex geological structure and production technology, as is the case for many coal mines in Serbia. The majority of coal production is used for generation of electricity in power plant. This fact is the main reason why production objectives of coal mine and power plant are strongly connected. Due to the fluctuation of the coal quality, operational mine planning (as a part of coal homogenization process), is of critical importance for managing successful coal quality control and meeting criteria of power plant. This paper investigates advantage of proper operational planning on coal quality control process and overall production performance. For better understanding case study is conducted on open pit Tamnava West field. Successful operational mine planning is almost impossible without use of modern software packages. For that reason in presented case study operational mine planning is done with Minex software.