Thursday, August 27, 2020

The Wasp Factory Review Essay Example

The Wasp Factory Review Paper Article on The Wasp Factory That is the manner in which human instinct is that it is running or escaping their issues, without anyone else, now and then without acknowledging it. takes cover behind the veil, which even to himself appears to be genuine face. All through nearly the whole book one can ponder despise the saint, Im not to get it, the family, the individuals around. Why so much exemption and pointless pitilessness? For what reason is the youngster chooses to live if different kids He detests ladies, offer creature penances, pitilessly executing them. Simultaneously, he reprimands his maniac sibling for what it consumes and eats hounds. We will compose a custom article test on The Wasp Factory Review explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on The Wasp Factory Review explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom paper test on The Wasp Factory Review explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer All things considered, the old pooch, how certain legend, stripped him of his typical life. For what reason is it carries on, his dad, sibling ..? This must be a clarification. Also, it comes nearly toward the finish of the book The book isn't irregular characters:. Snake, hound, wasps, winged animals, sheep they all assistance to know the idea of man, his activities and activities. The principle image of Wasp. That they may speak to envy and disdain, adversaries, strife, inconvenience. The legend is continually battling with their foes of wasps and follow the life of the processing plant, shields it from prying eyes. Hornet home (production line) is sad (from dream book). Yet, the saint doesn't a scoundrel, however a genuine casualty The main thing I didn't care for - . In the last section, the creator places into the mouth of the hero couple recommendations that uncover the thought the entire work. Indeed, the book is composed alright and the peruser itself, without help can reach inferences.

Saturday, August 22, 2020

Tragic Flaw Free Essays

what's more, The Flaw By Phanit Asavanamaung 10B Stories are told in numerous styles, through various medias; all which are to engage or instruct its crowd. Christopher Booker, the writer of the book ‘The Seven Basic Plots’, presents the possibility of the seven essentials classifications of any story told. The seven essential prime examples are Over Coming the Monster, Rags to Riches, The Quest, Voyage and Return, Comedy, Rebirth and Tragedy. We will compose a custom article test on Terrible Flaw or on the other hand any comparative subject just for you Request Now Catastrophe as one of the seven models, are found in an accounts; from the latest distributed novel to the nearly overlooked old fantasies of the earth. Disaster is for the most part used to depict when there is a passing in the story, however which the term ‘tragedy’ can likewise be utilized to portray when the character has fallen into a lower state. It is better characterized when there is a destruction of the primary character in the story. In all the narratives which are sorted under disaster, makes them thing in like manner. It is that those characters have an appalling blemish; that impacts the character to their defeat. The unfortunate imperfection for each character is extraordinary. It is affected by numerous elements, for example, family and nature they are presented to. These impacts lead to the passing of the unceasing adoration for Romeo and Juliet, or even the life of a school young lady, Alaska; in Looking for Alaska. The heartbreaking imperfection of a character is affected by numerous variables, prompting the character’s destruction. The awful defect could be seen when there is a choice to be settled on, and an inappropriate decision is taken. The choice took, is affected by the characters understanding and furthermore the condition that they are in. The experience of the character is from quite a while ago, about their families and their condition. This could result a deplorable blemish to the character by making a scar to the character intellectually. On the off chance that the character was inadequately treated in their adolescence, or have encountered a horrible mishap; this could cause an imperfection in the character. Now and again, when the state of the character is at the very least, the unfortunate imperfection will impact the character’s choice, and which will in the long run lead to the ruin of themselves. There are many sort of lamentable imperfections and which a character may grow more than one blemish. By having more blemishes, the character will probably be affected by more occasions, which will make the character to turn out to be increasingly powerless, in the shocking state. These defects could be found since the early legend of Jason, on a journey to locate the Golden Fleece, which it likewise wound up in disaster. The defects that are most normal are from being dealt with gravely as a youngster or from being blinded with affection. Romeo and Juliet, the well known story of the two ‘star crossed lovers’ of the contention between the two families, winding up in catastrophe. The purpose for the defeat of the couple isn't from the contention between their families, however it is really their blemish. As indicated by Chrisxbales papers, it portrays the relationship of the two as, ‘are not in adoration, yet in lust’. There are numerous defects between the two characters, blend of adolescence and willfulness. It could be seen that the two characters races into things, for example, the main experience of the two. Romeo says, â€Å"If I profane with my unworthiest hand/This blessed sanctuary, the delicate sin is this:/My lips, two becoming flushed pioneers, prepared stand/To smooth that harsh touch with a delicate kiss. † (1. 5. 92-95) The announcement shows verification of how from the start experience, Romeo chooses to approach Juliet for a kiss, even without knowing one another. This is a proof of youthfulness. Likewise the two, chooses to overlook the counsel given from Friar Lawrence, and which they have wound up dying. They additionally disregard the most clear of which their relationship won't be well, with their family strife. The fundamental defect of the Romeo and Juliet is that they are both blinded with affection, making them difficult and youthful. The arrangement of occasions were affected by the blemish of the two characters, making them winding up in catastrophe. Not exclusively could that awful blemish be seen in great stories, yet in addition in present day writing. A case of current writing would be, Looking for Alaska by John Green. The story is about the life of Miles Halter after he moved to the Culver Creek School. He at that point describes of the experience of being with his companions, telling the awful completion of Alaska Young. The Frozen North Young was no normal school young lady, she is the young lady who plays out tricks on everybody and which does all the terrible things she can do. Once while the gathering of companions were off smoking, Alaska has expressed that,† You folks smoke in light of the fact that it’s fun, yet I smoke to kick the bucket. † This presents the primary blemish of the character. She doesn't love or care about herself, along these lines she will settle on decisions which are awful for herself. Later on, it was then informed that Alaska Young has a dismal past. In her youth, she has encountered the passing of her mom, and which she was accused by her dad of executing her mom. That has made a scar in Alaska, and which she continued accusing herself for everything that turned out badly and that she was bombing everybody. She was then discovered, dead in a fender bender endeavoring to self destruction; accusing herself for overlooking her mother’s commemoration. These were the heartbreaking blemish of the character and which everything began by being abused in her adolescence. The imperfection has assumed control over the character and impacted her every day demonstration. By not being cognizant about what is the best decision for the individuals around and themselves, they would wind up with an issue. By not taking care of the issue appropriately, other issue will show up. This will proceed, until it has arrived at its most exceedingly awful, for example, demise or the correct choice is made. All in all, catastrophe consistently winds up with the defeat of the character, which is brought about by their heartbreaking imperfection. It could be seen through the instances of Romeo and Juliet, and the defeat of Alaska, in Looking for Alaska, that everything began from individuals around them. Families and companions are generally compelling on what they will grow up to resemble. It is the place their future and their destiny are chosen. By being abused or instructed to carry on gravely towards others, it can cause a blemish. The blemish will be covered up in the individual, until when the individual is at an awful or freezing state. Every individual has an alternate defect, and which they may result on growing more than one imperfection. As clarified, these imperfections will impact every individual to settle on an off-base decision. As once expressed by Mahatma Ghandi, â€Å"Nobody can hurt me without my authorization. † Referring that nobody can hurt you, except if you hurt yourself. The statement bolsters the defect of the character that it is their own deficiency that lead to their defeat. So as to decrease the dangers of the effect of the defect of every individual, it is significant that they are cognizant about the choice they are making. This might make the individual to think and pick the better decision for themselves and the individuals around them. Works Cited Green, John. Searching for Alaska: A Novel. New York: Dutton Children’s, 2005. Print. â€Å"Quotes About Hurt. † (337 Quotes). N. p. , n. d. Web. 02 Mar. 2013. ;http://www. goodreads. com/cites/tag/hurt;. â€Å"Romeo and Juliet’s Tragic Flaws. † Romeo and Juliet S Tragic Flaws. N. p. , n. d. Web. 02 Mar. 2013. ; Instructions to refer to Tragic Flaw, Essay models

Friday, August 21, 2020

Blog Archive Friday Factoid From Hanover to the World

Blog Archive Friday Factoid From Hanover to the World The Amos Tuck School of Business Administration at Dartmouthâ€"aka Tuckâ€"is located in the quaint town of Hanover, New Hampshire. Hanover has a population of only approximately 20,000 and is thus considered a small college town, but Tuckies, as the schools students are known, have no shortage of access to global learning opportunities. Students gain hands-on international experience through the Tuck Global Consultancy course, which gives second-year students the chance to put their education into practice worldwide. Since 1997, students in this course have consulted with more than 90 global organizations on more than 135 projects in more than 45 countries. On-site consulting projects are led by small teams of students working under the supervision of Tuck professors with extensive consulting backgrounds. A high percentage of the second-year class participates in this elective, and at the end of the program, students present their findings to their clients from around the globe. Share ThisTweet Dartmouth College (Tuck) Friday Factoids

Monday, May 25, 2020

History of Psychology - 753 Words

History of Psychology History of Psychology Paper Shirley L Nieves October 21, 2013 PSY/310 Prof. Kelle Daniels The roots of psychology date back to Egypt and the Egyptian mystery system. Psychology has evolved from philosophy, medicine, theology, and science. Psychology evolved out of coalescence of natural science, and also the branch of philosophy which is known as epistemology, which is also known in the theory of knowledge. Psychology in its early times was devote and mainly focused to understanding the mind, as well as measuring it. After this later on in time, psychology focused on understanding behavior. In the beginning the ancient Greek philosophers had†¦show more content†¦Democritus said â€Å"similarity creates friendship† Alcmaeon was another; he investigated the basis for knowledge. Alcmaeon developed the two aspect theory of the soul. Plato, to me is one of the philosophers who contributed the most to psychology. Defining his aspects of the psych - reason, feeling and appetite. Plato believed that the action of human affect the mental state of individuals. Another philosopher I wanted to mention was Aristotle, who was known as the greatest systematic philosopher of antiquity. Aristotle hypothesized that the mind and the body prevail facts of the same being. The mind being simply a function of the body. Aristotle believed that intellect consisted of a) passive intellect and b) active intellect. Aristotle said that â€Å"intellect is separable, impassable, unmixed, since it is in its essential nature activity†¦.when intellect is set free from its present conditions, it appears as just what it is and nothing more: it alone is immortal and eternal†¦and without it nothing thinks(Britannica onl ine, â€Å"physiological psychology†).† Two primary contributors to psychology were john Locke, who was known to reject the possibility of innate ideas. Locke’s entire system was dependent on association of sensations and ideas of reflection. Locke also suggested that complex emotions which were derived from pain and pleasure were indeed associated with other ideas. Alexander Bain is also anotherShow MoreRelatedHistory of Psychology852 Words   |  4 PagesWhat is Psychology? Psychology is said to be the scientific study of behavior and mental processes. The study of human behavior, development, and learning; and also seeks to understand and explain thought, emotion, and behavior. Today the question we are doing falls under the History of Psychology. It deals with the earlier schools (Structuralism and Functionalism) and compares them with the most recent schools of psychology (Gestalt psychology, Psychoanalysis and CognitiveRead MoreThe History of Psychology2719 Words   |  11 PagesIntroduction: The History of Psychology Philosophical Background Psychology has no definite, absolute beginning, but there is speculation that early humans were curious about human nature. Serious study of the human psyche began in ancient times, with ancient philosophers began to record their findings and thoughts about behavior and the nature of the human mind. The name ‘psychology is from the two Greek roots, psyche and logos, which mean mind and study, respectively. Psychological thoughtRead MoreHistory of Modern Psychology836 Words   |  4 PagesA History of Modern Psychology Franklyn Rivas UOPX History and Systems in Psychology 310 Lillian Fillpot May 03, 2011 A History of Modern Psychology Before psychology officially became a science, many great intellectuals of previous centuries had contributed to the philosophy behind psychology. This philosophy can be trace back to the times of the Greeks, middle ages, and the renaissance period. However, the link between philosophy and modern psychology became possible in the late 18thRead MoreEssay on The History of Psychology1423 Words   |  6 PagesThe History of Psychology In order to discuss Psychologys history, it is important to understand that psychology still does not have one unifying approach unlike the natural sciences; even the definition of Psychology and what it truly means is still undecided. However I shall attempt to review chronologically its philosophical origins, include how the science of Physics and Biology were placedRead MoreHistory of Psychology Paper1294 Words   |  6 PagesHistory of Psychology Paper Jessica PSY/310 May 3, 2010 CERTIFICATE OF ORIGINALITY: I certify that the attached paper, which was produced for the class identified above, is my original work and has not previously been submitted by me or by anyone else for any class. I further declare that I have cited all sources from which I used language, ideas and information, whether quoted verbatim or paraphrased, and that any and all assistance of any kind, which I received while producing this paperRead MoreHistory of Cognitive Psychology1666 Words   |  7 PagesAbstract An analysis of the history of cognitive psychology. Including key ideas, contributors, trends, etc. History of Cognitive Psychology According to G. Miller of Princeton University, cognitive psychology  is an approach to psychology that emphasizes internal mental processes. So, â€Å"since the beginning of experimental psychology in the nineteenth century, there had been interest in the study of higher mental processes. But something discontinuous happened in the late 1950s, something soRead MoreHistory And Systems Of Psychology1795 Words   |  8 Pages History and Systems of Psychology is a course requirement offered to Psychology majors and minors. This course is used to provide majors and minors with the foundation and the evolution of the field of psychology. Within this class, many scholars of discussed. Two scholars that stood out to me in this course would be John Watson and Max Wertheimer. These two particular scholars are responsible for two of the most influential and famous schools of thought, behaviorism and Gestalt psychology. TheseRead MoreThe History Of Social Psychology2266 Words   |  10 PagesThe history of social psychology goes far back in time. â€Å"Aristotle believed that humans were naturally sociable, a necessity which allows us to live together.† (McLeod) Plato was also another influencer in social psychology by saying that â€Å"the state controlled by the individual and encouraged social responsibility through social context. (McLeod) Social psychology is the section of psychology that studies i ndividuals in a social environment. It studies how people think and how they feel, and whyRead MoreHistory And Systems Of Psychology3029 Words   |  13 Pages SOUTHWESTERN ASSEMBLIES OF GOD UNIVERSITY History and Systems of Psychology Psy 4113.00 Instructor: Dr. John Savell History and Systems of Psychology School of Thought Research Paper STUDENT DATA: Name Lauren Frost E-mail: laurenbfrost@lionmail.sagu.edu Phone: (318)372-3825 Semester: Fall 2014 Date: October 8, 2014 Psychoanalysis Psychoanalysis is the belief that we are blissfully unaware of circumstances that dictate ones emotions and behavior. Psychoanalytic school of thought looksRead More History of Psychology Essay2242 Words   |  9 Pagesback when he got older and castrated his father. He feared the same thing like his father did and so he swallowed his children. His wife managed to save one of the children namely Zeus and sent him to be brought up by the shepherds. As we all know history repeats itself, Zeus came back and gave his father a potion to vomit the rest of the children and then castrated him. He also managed to release his father’s brothers. Psychologically if a father eats his children, it’s a metaphor for a father who

Thursday, May 14, 2020

Fast-Food Advertising Causes Obesity Essay - 1395 Words

There has been a long term concern that youth or children who eat from fast food restaurants have a big risk for becoming overweight. Some research shows that greater familiarity with fast food advertising on television is associated with obesity in young people (Pediatric Academic Societies parag.1). It is known that these children and adolescents are being extremely exposed to fast food advertising including the internet, social media, and particularly on television. The marketer and owners of these fast food restaurants use many techniques to attract children and help cause childhood obesity. Not only are they mainly targeting children but also they target low income families and helping cause obesity in their income groups, with†¦show more content†¦3). This shows how badly children are actually exposed to these advertisements everyday on the television constantly being persuaded into having their parents buy them the unhealthy food. Harper Collins argues that the probl em of childhood obesity has grown dramatically in recent years, with between 16% and 33% of children and adolescents being obese or overweight due to unhealthy weight gain due to poor diets and lack of exercise (parag. 1). These percentages arent very good when every day almost â…“ of U.S. children from the eat fast food, which most likely helps them gain extra pounds per child or adolescent per year and heightens the risk of obesity . These numbers may be startling but they are not surprising, since billions of dollars are spent every year on advertising that is targeted specifically to children this is how big the numbers should be. Some studies have shown that fast food contributes to increased calorie intake and obesity risk in children meaning that all those healthy food these fast food restaurants have been advertising have been falsely advertised may be thats why fast food advertising is causing childhood obesity. Fast food advertising has been a big contributor in causing obesity in the U.S by targeting children. Fast food advertising has caused obesity by targeting low income families. Authors Shiriki Kumanyika and Sonya Grier emphasize that low-income youths are exposed to a greatShow MoreRelatedThe Effects Of Advertising On Children s Obesity Rate1056 Words   |  5 PagesThe Effect of Advertising on Children’s Obesity Rate It has come down to this, there is an obesity epidemic. It s like people can’t stop themselves from eating so much. Well, I guess eating isn t necessarily the big problem here... It s the type of food that people are consuming, fast food. America tops the list of world s most obese countries. It s just sad and something needs to be done about it. The worst part is that there are so many children being affected by obesity. According to CDCRead MoreFast Food And The Obesity Epidemic933 Words   |  4 PagesFast –food Industries are to be Blame for Obesity Visualize the world somewhere a school-age child can step out of his school and walk into a McDonalds. Fast-food causes an array of problems in your body. The food is often high in sugar, fat, and calories while providing very few nutrients. The obesity epidemic Americans face today is a growing problem that affects more than half of the population with growing body sizes and serious medical problems associated with obesity. It is a problem thatRead MoreFast-Food, Causes And Effects Of Fast Food1348 Words   |  6 Pagesin America is the fact that people seem to be eating too much fast food that is causing obesity. Not only does fast food cause obesity but you are also at risk of other illnesses such as, heart disease, diabetes, and blood pressure. The leading cause is due to all the fast food that we have available at all times. Everywhere you look you see billboards, commercials, and restaurants. Fast food is also very addictive and is what can cause a person to become obese. And it also has a lot to do where youRead MoreFast Food and Obesity in Adults990 Words   |  4 Pages2013 Fast Food and Obesity in Adults In Aprils addition of Men’s Health magazine there is a picture of salted golden French fries inside a white cup. This advertisement invokes hunger for unhealthy and cheap fast food to consumers. The fast food industries false advertisements, unhealthy food, and long term effects of consuming fast food all lead to the causes and effects of adulthood obesity in the lives of thousands of Americans today. McDonalds, Burger King, Wendy’s, and other fast food industriesRead MoreObesity : Obesity And Obesity1472 Words   |  6 PagesObesity in our society continues to grow at an alarming rate. America is the richest country but has the largest population of obese people in the world. â€Å"Nearly 36.5% of American’s are obese (Adult Obesity Facts).† It is important to note that obesity is defined as having a Body Mass Index (BMI) of â€Å"30% or more† (The Socioeconomic Causes of Obesity). People become obese over times for many reasons like feeling there is less of a need to exercise and eat healthy. There are also more fast food selectionsRead MoreObesity : Causes And Effects1090 Words   |  5 Pages Causes of Obesity Obesity refers to the condition of having an extra amount of body fat. Obesity is caused by eating too much and moving too little. When an individual’s amount of body fat becomes too high, they are at a greater risk of being affected with life changing diseases such as heart failure, hypertension, type II diabetes, cancer, gallbladder disease, osteoarthritis, and others. This shows that people should become more physically active and attempt to make healthierRead MoreThe Negative Effect Of Youth Health Essay1734 Words   |  7 Pagesis consumed by advertising. Everywhere we look, everywhere we go our eyes are continually be exposed to some form of advertising; televisions, media, magazines, bill boards and shops are some examples of places where we gather information from certain types of commercial advertising. Our lives are ruled by screens; it is inevitable that during our daily lives we are going to experience a sponsored ad, a TV commercial or a sexy, skinny model on th e front of a mag. All these advertising elements mayRead MoreChildhood Obesity : A Major Health Issue1314 Words   |  6 PagesChildhood obesity is a major health issue. The number of overweight children in the United States is at an all time high and rising at a steadfast pace. For us to understand the impact of obesity and why we should prevent it, we will need to take a look at what has contributed to the epidemic in the first place. First we need to take a look at childhood obesity, even if children are slightly overweight and not quite obese at childhood, their childhood is laying the foundation for possible obesity in theirRead MoreFast Food Industry in U.S1040 Words   |  5 PagesProfessor Johnson 03/06/2012 Fast Food Industry in U.S A variety of different regulations have been set for people that are concerned with tobacco either on a personal level or commercially. Tobacco is associated with damages and thus it has been attacked by medical authorities and social observers. The fast food industry is no exception since it has also contributed to different damages to people’s health. Obesity is just one of the many ailments caused by fast food joints. FDA has made sureRead MoreCauses of Obesity in the United States Essay616 Words   |  3 Pageswill soon learn what the obesity hype is all about. Fast food stores are advertising more food for less money with quicker service. The media tends to misrepresent images of their target customer in television and magazine advertisements. Laziness is probably one of the main causes of obesity in our country. When you mix poor diet with poor exercising habits the outcome is far from being healthy. Obesity in the United States is at an all time high due to increasing fast food popularity, media influence

Wednesday, May 6, 2020

Christopher Graus Bad Dreams, Evil Demons, and the...

In â€Å"Bad Dreams, Evil Demons, and the Experience Machine: Philosophy and the Matrix†, Christopher Grau explains Rene Descartes argument in Meditation. What one may interpret as reality may not be more than a figment of one’s imagination. One argument that Grau points out in Descartes essay is how one knows that what one think is an everyday experience awake is not all a part of a hallucination. He uses the example of dreams to draw a conclusion about is claim based on experiences one would experience with dreaming. He asserts that there are times when one wake up from a dream that seems to be â€Å"vivid and realistic† however soon finds that it was not. The experience of reality in the dream was all a part of the mind. If dreams seem to be†¦show more content†¦He gives another scenario of when he lies in the bed he can dream that his he is sitting by the fire with is nightgown when in fact there is no such event he is undressed in the bed. This rein forces that idea one cannot trust what one is experiencing to actually be real. What proof can one bring that one awake other than oneself â€Å"just knowing†. This is the point Descartes wan to call to attention. Although Descartes argument seems plausible decades ago, now there are ways to weaken is argument. In the science of psychology which focuses on the brain one can find that there are ways of knowing one is dreaming or sleep. Descartes even contradicts himself when he asserts â€Å"that even if all of our sensory experience is but a dream, we can still conclude that we have some knowledge of the nature of reality†. I believe that Descartes knows that he is not dreaming in a constant state of dream but that there is a sense of reality that one experiences. What one experiences are senses such as smell and touch that one cannot perform in a dream world. Being able to touch and have the sensation of touching an item such as a table in a dream does not happen. The sensation of pain is also an indicator of a reality that does not exist in the reaffirms that one is not in reality. There is physical evidence that proves that people have control over their dreams; it’s called lucid dreaming. Having aShow MoreRelatedSkepticism On The Search For The Truth Of Our Knowledge1936 Words   |  8 Pagesunsuccessfully to figure out the thought process and how we gain knowledge. Philosophers gave deep thought to determine how we arrive at such true beliefs and knowledge of the external world. Three such philosophers were Rene Descartes, David Hume and Christopher Grau. Rene Descartes was a French philosopher in the early 1600’s; David Hume was a Scottish Philosopher in the 1700’s, and Grau an American philosopher Professor born in 1970. The timeline s important because philosophical views have evolved over

Tuesday, May 5, 2020

Red Badge Of Courage (941 words) Essay Example For Students

Red Badge Of Courage (941 words) Essay Red Badge Of CourageHenry, the youth, was a young man who lived on a farm with hismother. He dreamed about what fighting in a war would be like, and dreamed ofbeing a hero. He dreamed of the battles of war, and of what it would be like tofight in those glorious battles. His mother was a wise, caring woman who hadstrong convictions about not wanting Henry to goto war. She is a veryhardworking woman, and loves her son a great deal. She gave him hundreds ofreasons why he was needed on the farm and not in the war. Henry knew his motherwould not want him to enlist, but it was his decision to make. He dreamed of thebattles of war, and of what it would be like to fight in those glorious battles. He didnt want to stay on the farm with nothing to do, so he made his finaldecision to enlist. After enlisting he finds himself in a similar situation,with nothing to do. While there he becomes friends with two other soldiers, JohnWilson, the loud soldier / the friend and Jim Conklin,the tall soldier. Wilson was a loud spoken and obnoxious soldier whobecomes one of Henrys best friends. Jim was a tall soldier and was a childhoodfriend of Henrys. He was always calm and matter-of-fact like. He also lovespork sandwiches as that is all he eats. Wilson was as excited about going to waras Henry, while Jim was confident about the success of the new regiment. Wilsonis acts very confident, and boasts of how well he will fight. After a few daysof marching, Henry realizes that they have been wandering about aimlessly incircles. They continue to march wothout purpose, direction, and fighting. Duringthis time Henry starts to think diffrently about war, amore close experiencedway. He starts to lose some of his ideals of war, and starts to become scared ofrunning away from a batlle. Lieutenant Hasbrouck, a young lieutenant of the304th regiment (Henrys regiment), is an extremely brave man. He also isconstantly cursing. He, unlike the other officers, cares about and defends histroops performance and makes sure they get the recognition they deserve. He is atrue leader and he is a model of what Henry and Wilson wish to become. After awhile the regiment finally discovers a battle taking place. Jim gives Henry ayellow envelope with a packet inside. He is confident that he will die, and saysthat this will be his first and last battle. The regiment manages to hold offthe rebels during the first attack, but the rebels like machines of steel;relentlessly came back again and again with reinforcements driving the soldiersback. Henry becomes scared, confused, and goes into a trance when he sees hisforces depleting. He finally gets up and starts to run like a proverbialchicken, who has lost the direction of safety. After he has run away hestarts to anaylze himself and rationalize his actions. At first he thinkshimself a a coward for running, and later he feels he was just saving himselffor later. He thinks nature does not want him to die, eventhough his side waslosing. He believes he was intelligent to run, and hopes he will die in battleto spite. Henry, still running, is met by a tattered soldier and hecomes upon Jim who has been wounded badly. He does not complain about his pain,but asks Henry to move him out the road so he is not run over by artillerywagons. Even in his agony, he is concered about Henry and asks how he is faring. .u3fbc65bbb952878ac6211dfe4c8893a2 , .u3fbc65bbb952878ac6211dfe4c8893a2 .postImageUrl , .u3fbc65bbb952878ac6211dfe4c8893a2 .centered-text-area { min-height: 80px; position: relative; } .u3fbc65bbb952878ac6211dfe4c8893a2 , .u3fbc65bbb952878ac6211dfe4c8893a2:hover , .u3fbc65bbb952878ac6211dfe4c8893a2:visited , .u3fbc65bbb952878ac6211dfe4c8893a2:active { border:0!important; } .u3fbc65bbb952878ac6211dfe4c8893a2 .clearfix:after { content: ""; display: table; clear: both; } .u3fbc65bbb952878ac6211dfe4c8893a2 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u3fbc65bbb952878ac6211dfe4c8893a2:active , .u3fbc65bbb952878ac6211dfe4c8893a2:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u3fbc65bbb952878ac6211dfe4c8893a2 .centered-text-area { width: 100%; position: relative ; } .u3fbc65bbb952878ac6211dfe4c8893a2 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u3fbc65bbb952878ac6211dfe4c8893a2 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u3fbc65bbb952878ac6211dfe4c8893a2 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u3fbc65bbb952878ac6211dfe4c8893a2:hover .ctaButton { background-color: #34495E!important; } .u3fbc65bbb952878ac6211dfe4c8893a2 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u3fbc65bbb952878ac6211dfe4c8893a2 .u3fbc65bbb952878ac6211dfe4c8893a2-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u3fbc65bbb952878ac6211dfe4c8893a2:after { content: ""; display: block; clear: both; } READ: I Believe in the Power of Video Games EssayAs his death grew nearer, Jim runs into a field looking for a suitable place todie. He ignores Henrys offers of help, and as his body jerked horribly, hefalls and dies. The only other witness to his death, the tatteredsoldier, is impressed mostly by Jims bravery and courage. The tatteredsoldier appears to be a simple and innocent man. Though he is very simplisticand unsophisticated, he is a brave, kind, and responsible man. Henry walks awayhurting inside and dangerous to himself. In the charge ahead Henry asks fleeingsoldiers why they are running. He grabs a comrad and asked why whyall the while holding his arm. The man struggling to be let go, hits Henry overthe head with the butt of his rifle, thus giving Henry his first Red Badge ofCourage. Henry stumbles across the battle field trying to stay on his feet. Hemeets a cheery voiced man who helps him get back to his regiment. The cheery voiced man not only lacks a name, but Henry never seeshis face. He appears to be a ordinary man who can skillfully manuveur throughthe forest and patrols. At his regiment he meets up with Wilson again, and getsthe wound on his head tended to. After resting for a little while he gets backinto the battle. He felt the generals were a bunch of lunkheads formaking them retreat instead of confronting the enemy. Henry starts to think thathe and Wilson are going to die, but go into battle anyway. In the battle achange goes over Henry. He starts to fume with rage and exhaustion. He seemed tohave a wild hate for his relentless foe. He felt that he and his companions werebeing taunted and being made fun of. In a following battle, he and Wilson havethe oppurtunity to carry the regiments flag. After a bit of scuffiling Wilsontakes the flag out, but later in the battle Henry manages to get thge rebel flagand runs up the line with Lieutenant Hasbrouck leading the way. In the battle hefou ght like a Major General, and he has grown up a great deal. He isnot afraid of dying anymore.

Saturday, April 11, 2020

Overview of the Management Plan

Introduction A plan is an integral part of all complicated tasks to be done. In this respect, a plan should cover all stages of the process including financial part and risk management. Expanding into different markets is a really complicated task that requires a lot of information to be processed, assessed, and used while planning certain activities.Advertising We will write a custom coursework sample on Overview of the Management Plan specifically for you for only $16.05 $11/page Learn More Thus, the current management plan contains overview of the country to expand into different regions, best practices to take into account, and each sector that should be considered while launching products in other countries. General Overview of the Country Transnational companies should take into account a number of challenges and difficulties that may occur in the process of expanding into several different markets. In this respect, large corporations and companies should acquire knowledge and apply successful experience of other transnational corporations in order to operate effectively in the international market, especially while expanding into several markets outside the country of origin. So, gaining knowledge about â€Å"customers, suppliers, and talent in foreign lands† (Gupta, Govindarajan Wang, 2008, p.217) is one of the most important steps in the strategy aimed at expanding of the company into other markets than its national one. As soon as the company gains information and finds appropriate methods of its application, elaboration and implementation of those to practice, this company can move to the international market. As reported by Gupta et al. (2008), â€Å"One of the most important benefits from early globalization can be rapid growth or even the transformation of an interesting but economically nonviable business idea into a viable one† (pp.221-222). So, effective globalization and expanding into different mar kets can be encouraged by various incentives offered in the markets of other countries as a mean of attracting foreign investments and introducing more active competition onto the market.Advertising Looking for coursework on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More In other words, â€Å"rapid accumulation of competitive advantage† (Gupta et al., 2008, p.222) as suggested in the case of Bharti Airtel Limited that expands into the Kenyan market where the government provides certain areas of business with special incentives regardless of the fact that some legal differences between India and Kenya may pose business challenges (Sinkovics, 2009) because the company will implement the best business practices into operation. In other words, the country of origin and examination of its legal base, rules of making business, and other numerous peculiar features are very important while launching a product onto the mar ket or simply expanding into that market. Best Practices to Implement Experience on business, legal, and cultural practices can be implemented after analyzing other cases of successful application of certain viable perspectives into operation. In this respect, it is necessary to take a set of measures including solving such industry constraints as â€Å"need for local adaptation, need for local infrastructure, and regulatory barriers† (Gupta et al., 2008, p.226). In other words, the company should conduct a thorough research before even trying to expand into different markets all over the world. Incorporation of best practices is aimed at facilitating the application of international needs to the company’s strategies and company’s expectations and long-term plans into international market with its unique needs, preferences, and tendencies of demand and supply, insurance, and risks. Another point that should be taken to discussion is the resources management and its peculiarities for international companies and international market, especially in cases when human resources and materials are the basic ones for the production. As reported by Bartlett, Beamish, Ghoshal (2008), â€Å"The task of coordinating flows of materials, components, and finished products becomes extremely complex as companies build transnational structures and capabilities† (p.651).Advertising We will write a custom coursework sample on Overview of the Management Plan specifically for you for only $16.05 $11/page Learn More Though materials and manufactured goods are of primary concern, it is necessary to remember about human resources in terms of recruiting and training or outsourcing as the most appropriate way of effective performance. To sum up, the best practices used or invented by other businesses and corporations should be implemented to the extent of creating the most appropriate ground for effective manufacturing goods or p roviding services. In other words, knowledge management, collaboration and communication practices, multicultural awareness and construction of intangible capital are some of the components to be used while expanding into different markets using incentives such as competitive advantage to attract customer and develop their loyalty to the brand. Besides, employees and product distributors who are already conversant with the market are able to facilitate the learning of the markets needs and expectations (Jain, 2003). Management Plan Scope management One of the first steps to be made by the company is to conduct a research on the market’s peculiarities, legal issues, and needs of customers and their expectations from the foreign brand. A team of international experts has to outline the major areas of the highest and lowest priority for company in terms of effective distribution of goods, further development of the product line and brand extension, expanding of the company into other markets, and its financial performance used for research and development, training and professional development programs, incorporation of international practices, and other areas of main concern. Schedule management The team of schedule managers should analyze the situation in terms of various criteria to be achieved and evaluate the periods of time necessary to accomplish the company’s mission. Definite time frames should be stated for each process and each step. In other words, the company should thoroughly plan its operation in the international market.Advertising Looking for coursework on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Financial management Budgeting is one of the most important sectors for managerial to accomplish because it enables the company to grow further and extend its brand line, implement technological innovations to gain more profit and invest it into research and development sector to gain competitive advantage over its rivals. Moreover, successful assessment of sectors in need for financial investment and priority in this issues and distribution of financial assistance can be rather beneficial in terms of areas of highest priority. Quality management Quality of goods and services provided should be assessed by independent experts which involves outsourcing and extra costs spent on this sector. However, if the company is interested in the manufacturing of high-end products and providing the customers with services of high quality, it should spend some costs on establishment of a special department that should deal with assessment of quality, monitoring or activities, and counseling on th e issues that can contribute to the improvement of quality or reducing cost efficiency of products by means of production of certain parts in other locations. Resources management The team of international experts has to evaluate the situation and take the most effective measures to choose the most sufficient method of employing people and delivering materials. As some locations can be farther than others, it will involve extra costs on delivery of materials and increase the cost of goods resulting in decreasing of products’ attractiveness for buyers. All manipulations performed for delivery of materials and distribution of goods should be sufficient in terms of cost of the final product that comes to the market. Communications management One of the key components in transnational management is the communication management; a failure to communicate will lead to poor performance and results. In this respect, all changes that take place in the headquarters should be introduced immediately to subsidiaries. Various software programs and other technologically advanced means of communication can enable the company to take competitive advantage over its rivals. Project change management All changes that occur in the international market are sure to affect the company’s performance. In this respect, it is necessary to trace all innovations and tendencies that affect the international market, assess those, and implement into the company in case they provide the company with some advantage over competitors or will increase the productivity, quality, or profit or good manufactured. Though some changed may be considered positive within the international market, they are not necessarily applicable to the company regarding its needs and perspectives. Risk management Every sector of economics includes some risks as well as perspectives. The company should send some costs on identification, evaluation, analysis, and appropriate treatment of risks. If the company fails to identify risk or does not want to spend costs on this procedure permanently, it can use outsourcing occasionally when some changes in the international market occur. Tracing changes and taking appropriate measures in terms of risk management can be done with the help of independent experts. Procurement management The company should take measures to ensure that all departments function in accordance with the company’s plan. Any changes and difficulties should be identified by the change management team to take steps and prevent occurrence of certain problems in procurement sector of the company in future. Delivery and distribution of material and manufactured goods is really important for the company. So, it should spend corresponding costs to provide all sectors with appropriate materials and prevent system failures. Conclusion To sum up, the plan contains consideration of the most important sectors to manage before starting to perform in the international market. A s transnational companies have to consider risks, legal issues of other countries, cultural diversity of employees, and many other issues, a management plan is the document to rely on while expanding into different markets. Overview of the country is of high importance because the country of origin can become a competitive advantage while producing goods and providing services. Reference List Bartlett, A., Beamish, W. Ghoshal, S. (2008). Transnational management: Text, cases and readings in cross-border management. 5th ed. New York: McGraw-Hill. Gupta, A., Govindarajan. V., Wang, H. (2008). The quest for global dominance. New York: John Wiley and Sons. Jain, S. C. (2003). Handbook of research in international marketing, Vol. 2001. New York: Edward Elgar Publishing. Sinkovics, R. (2009). New challenges to international marketing. New York: Emerald Group Publishing. This coursework on Overview of the Management Plan was written and submitted by user Giant Man to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Tuesday, March 10, 2020

All we have to fear is fear itself essays

All we have to fear is fear itself essays All we have to fear is fear itself In his inaugural speech as President, Franklin Delano Roosevelt remarked, The only thing we have to fear is fear itself. Indeed these words very accurately describe the problems faced by the people of America from that time till December 1941. How deeply had this man, destined to become one of the most remembered of our presidents, thought before speaking these everlasting words on March 4, 1933? Roosevelt had in fact spoken what was actually realized eight years later when the Japanese army attacked Pearl Harbor on December 7, 1941 and brought the United States into the Second World War. Before expressing my views in favor of my convictions let me recall the exact words that I am going to talk about. So, first of all, let me assert my firm belief that the only thing we have to fear is fear itself nameless, unreasoning, unjustified terror which paralyzes needed efforts to convert retreat into advance. (FDR March 4 1933.) The cause of the fear that Franklin D. Roosevelt was referring to was the economic depression America was in when he took office. Roosevelt was warning America not to let their economy be paralyzed by the fears, which had overcome their reason and had made them over cautious about their actions. This might not have been completely understood at that time but FDR's warning was, no doubt, valid. The great depression had its roots in an era of prosperity. The nineteen twenties, were the years of genuine prosperity and real economic growth. Consumer economy was a new thing, and so was the confidence in growth. If we carefully examine the history of American economy, we find that it is characterized by crests and troughs: - that is alternating booms and slumps. But the people during the third decade of the twentieth century perhaps thought that the magic formula had been found and the good times of growth will last forever. The econom...

Saturday, February 22, 2020

Pre- and post- operative assessment Essay Example | Topics and Well Written Essays - 2500 words

Pre- and post- operative assessment - Essay Example Health care needs in US communities are increasing, as is the demand for quality, cost-effective health care. (Barnett, 2005). Nursing personnel are more and more associated with helping the patients and medical practitioners now, and they have a crucial role to play in disease management and intervention. Laparotomy is a diagnostic procedure used to assess disease in the abdomen. One of the more frequent reasons for a laparotomy is to determine the extent cancer has spread. It is also used for acute situations in which the cause of the problem is unknown but the location is within the abdomen. Examples include perforated bowel, ectopic (outside the womb) pregnancy , endometriosis , appendicitis , bleeding, and inflammation of the pancreas. If the diagnosis made that laparotomy is amenable to further surgery, it is often done immediately. (Brigham and Women's Hospital 2006). Pre-operative assessment aims to reduce morbidity and mortality associated with surgery, prevent unnecessary cancellations, and minimize hospital stay. It benefits the nursing personnel as well as health practitioners to identify potential problems and develop a plan to prepare patients to a pre-surgical level of functioning to eliminate further surgical complications. It is a "very effective method for eliminating costly and unnecessary 'screening' investigations (Thomas, 2006). In the instant case, the i... (Brigham and Women's Hospital 2006). Pre-operative assessment aims to reduce morbidity and mortality associated with surgery, prevent unnecessary cancellations, and minimize hospital stay. It benefits the nursing personnel as well as health practitioners to identify potential problems and develop a plan to prepare patients to a pre-surgical level of functioning to eliminate further surgical complications. It is a "very effective method for eliminating costly and unnecessary 'screening' investigations (Thomas, 2006). In the instant case, the issues that need to be discussed at the pre-operative stage would be with regard to any special pre-operative program needed for Mrs. Maxshall and the estimated time for surgery, and time for recovery and convalescence. Since the patient is suffering from Osteoarthritis and remained a continuous smoker, performance of the lungs and heart needs to be monitored very closely. The aspect of anemia also requires to be taken into consideration. The advantages of utilizing the pre-admission clinic should be in terms of lower hospital stay and a better preparation, planning, and management of the surgery. The pre-admission also takes care of necessary tests and investigations for management of the operation. This also ensures that there is no delay for surgery upon admission, since it often happens that disadvantaged patients my get long date for surgery. Disadvantages of pre-admission clinic would be attributed to delay in diagnosis and initiating clinical/surgical procedures. If the patient develops abnormal symptoms after the investigations are carried out, but before being sent to the operating theater, the hospital stay also will be prolonged. In this case history the patient

Thursday, February 6, 2020

PRACTISE STUDY Essay Example | Topics and Well Written Essays - 4500 words

PRACTISE STUDY - Essay Example These activities of Imagine Mental Health stem from its belief that by supporting people with mental health problems it is possible to enable them to do what they want to do, live their lives as they want to live and access those opportunities that are available to all citizens, in short to lead a full and independent life (Imagine). Governmental support for these activities is available through the government social exclusion action plan. This action plan became a reality in September 2006, when the department of health and the department of work and pension initiated it to encourage social activities and employment for those suffering from severe mental health. The social exclusion action plan is envisaged as a programme that will involve the participation of the public sector, the private sector and the voluntary organization. As a voluntary organization with similar objectives as the social exclusion plan, Imagine Mental Health is associated with this effort of the government (Re aching Out: An Action Plan on Social Exclusion). The company operates through the mainstream service by enabling clients who have been socially excluded to reclaim their place back in the mainstream of society. The company is staffed by bridge builders, who have a background, and specialist expertise, in a number of life domains that the clients can choose to access. These domains include employment, volunteering, education and training, sports and leisure, art, cultural communities, faith and spirituality, and homes, families, neighbourhoods and befriending (Life Opportunities). As a social work student undergoing placement with Imagine, I have been given the role of employment, education and training bridge builder and also to support other bridge builders to attain the primary objectives of the clients. I have to be creative and have good networking skills to fulfil my responsibilities. I also support clients as their first contact point at Imagine for assessment and

Tuesday, January 28, 2020

International Trade Essay Example for Free

International Trade Essay International trade is a complex process that involves both physical and abstract components. Its physical aspects include the goods that are traded such as textiles, raw materials for automobiles and manpower or human resources to name a few. Some of its abstract components include the trading policies of governments from every nation and the trading agreements between the trading parties. Issues surrounding international trade vary in terms of complexity and nature, usually involving not only the direct physical and abstract components of international trade but also other areas of concern such as geography of trading locations and the insurance of the traded goods. Since international trade involves two or more traders situated in different countries, there is the issue of trading policies. Governments usually create trading policies that international traders should adhere to. Otherwise, trade compromises will be arranged. Like typical trading activities, there is also the issue of trade agreements between the trading parties specifying what kind and what amount of goods are to be traded for a specified duration. Prior to the actual trade, trading parties from across the world first arranges the payment and financial transaction details that are compatible with the existing laws of the receiving country. Each trading party will also have to ensure sufficient manpower to handle the actual transportation of the goods which, in effect, entails the secured transfer of goods from the supplier to the receiving client. The geography between the trading countries also gives rise to several issues such as determining and agreeing which route to take and what transportation equipments should be used. The security of the trading parties especially the receiving client is another issue in international trade as smuggling of prohibited products remains a big concern.

Monday, January 20, 2020

Fading Away :: Short Stories Anorexia Eating Disorders Essays

Fading Away "Maddie, are you sure you don't want anything more? You didn't eat much," Mrs. Whitman turned from her dishes to ask her daughter. "I'm fine. I'll eat a big lunch," Stacie said, gulping down her last bit of water. "Maybe you do. But I never see you eat much. For breakfast it's a pancake with jam. Even if you did eat all your lunch like you say you do, when it comes to dinner time, you eat like a bird. Stacie, I think you need to eat more," Mrs. Whitman told her daughter, relieved that she had finally confronted her about her meals. "I eat enough. You don't see me all day long. I eat at other times during the day, too. Just because I don't eat chips when I come home from school or snack on cookies. Just because I'm trying to be healthy, you criticize me for making an effort," Stacie defended, raising her voice. "It's not about choosing healthy foods to eat. I admire your self control. I really do. You know I have difficulty saying no to deserts and different things. But Stacie, I can see you're not eating enough. Those jeans you're wearing, they fit you perfectly when you picked them out this summer but now you need a smaller size. I understood that you wanted to lose a few pounds; all of us can stand to shed a few pounds. But you've kept losing. You look good, I admit. You look very good but I'm worried. You need to eat more. You're so active, running every morning, school, volleyball. You need food to keep you going," Mrs. Whitman explained. Her heart was beating quickly now and her body became warm. Tears welled up in her eyes but she continued gazing at her daughter, hoping she had made a connection, a break through. "I said I eat enough!" Stacie shot back angrily. "I am fine. I've lost weight and thank you for noticing. Something you've never been able to do. You and your stupid Jenny Craig and Weight Watchers and diet pills and every other dumb T.V. trash diet you send away for. You're really going to lose weight when you eat out and catch fast food all the time! I heard Big Macs do wonders! 'Just eat these pills and they'll give you all the nutrients you need and reduce your appetite too, '" Stacie mocked.

Sunday, January 12, 2020

Constraints in Popularising Debit Card

A SUMMER PROJECT REPORT ON Constraints in Popularization of Bank of Baroda Debit Card By PRAVIN MANDORA [pic] STEVENS BUSINESS SCHOOL A report submitted in partial fulfillment of the requirements of MBA Program Submitted to Bank of Baroda Acknowledgement The completion of any task depends upon the co-operation, coordination and consolidated efforts of several resources of knowledge, energy, and time and above all the proper guidance of the experienced bankers. Therefore I approached this matter of Acknowledgement through these lines trying my best to give full credit where it deserves.I wish to express my gratitude to our institute, which has provided me the opportunity to fulfil the most cherished desire to reach my goal. I am thankful to all those who generously helped me to compile this project with their knowledge and expertise. Firstly I owe a great debt to, STEVENS BUSINESS SCHOOL for obliging the project, thus giving me chance to broaden my horizon and providing me all necessa ry resources in college to assist me in the project. Also I owe a great debt to Mr. B. N. Menon, Sr.Manager (IT) of Bank of Baroda who has been nominated as mentor for my project and also thankful to all staffs of BOB as well as Head Office of Bank of Baroda for providing me the necessary guidelines regarding the project, for helping me to track the first hand information and supporting me in the carrying out the project successfully. As well as reposing a belief in me, this was essential for the completion of this project. I express my sincere thanks to Mr. PRIYA KUMAR, Senior Manager (HRM) at Regional Office Bank of Baroda Ahmedabad for giving me the opportunity to choose this topic and the project.I would also like to thank all the persons for their contribution for shaping up of this project, which helped me directly or indirectly in completing this project. 2. Preface The project is prepared during the vocational training under taken on partial fulfillment of the course of â₠¬Å"Master of Business Administration† Hence, this report is designed with the objective to gain practical knowledge. According to old saying there is a huge difference between â€Å"To say and to do†. To take theorical knowledge is important but it becomes more valuable when we apply it in the practice.So, there is a huge difference between theory & practical. For filling this requirement training in Bank of Baroda is very practical exposure for me. This training provides golden opportunity for every student, for better understanding in a working environment in the organization. Hence, this report is designed with the objective to gain practical knowledge. Table of Context |Sr no. |Topic |Pg No. |1 |Indian Banking Industry |5 | |2 |Opportunities in the Indian Banking Sector   |17 | |3 |History of BOB |19 | |4 |Personal Banking Services |27 | |5 |Debit Card |30 | |6 |Bank Of Baroda Debit Card |34 | |7 |SWOT Analysis |38 | |8 |Findings |41 | |9 |Research and develop ment |59 | |10 |Learning |61 | |11 |Experience at Bank of Baroda |62 | |12 |Bibliography |63 | [pic] Indian banking industry Introduction to Indian Banking Industry The banking system remains, as always, the most dominant segment of the financial sector. Indian banks continue to build on their strengths under the regulator's watchful eye and hence, have emerged stronger.In the annual international ranking conducted by UK-based Brand Finance Plc, 18 Indian banks have been included in the Brand Finance ® Global Banking 500. In fact, State Bank of India (SBI), which is the first Indian bank to be ranked among the Top 50 banks in the world, has improved its position from 36th to 34th, as per the Brand Finance study released on February 1, 2011. The brand value of SBI has enhanced to US$ 1. 12 billion. ICICI Bank, the only other Indian bank in the top 100 club has improved its position with a brand value of US$ 2. 5 billion. Indian banks contributed 1. 7 per cent to the total global brand value at US$ 14. 74 billion and grew by 19 per cent in 2011, according to the study. Nationalized banks, as a group, accounted for 51. per cent of the aggregate deposits, while State Bank of India (SBI) and its associates accounted for 22. 5 per cent, according to Reserve Bank of India's (RBI) ‘Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks: September 2010'. The share of New private sector banks, Old private sector banks, Foreign banks and Regional Rural banks in aggregate deposits was 13. 5 per cent, 4. 5 per cent, 5. 2 per cent and 3. 1 per cent respectively. With respect to gross bank credit also, nationalized banks hold the highest share of 50. 9 per cent in the total bank credit, with SBI and its associates at 23. 1 per cent and New Private sector banks at 13. 7 per cent.Foreign banks, Old private sector banks and Regional Rural banks held relatively lower shares in the total bank credit with 5. 2 per cent, 4. 5 per cent and 2. 5 per cent respectively. The report also found that scheduled commercial bank offices (with deposits of US$ 2. 25 or more) accounted for 66. 2 per cent of the bank offices, 96. 6 per cent in terms of aggregate deposits and 93. 8 per cent in total bank credit. Bank loans registered a growth of 21. 38 per cent in 2010-11, while deposit growth stood at 15. 84 per cent, according to data released by RBI. Analysts and bankers said a growth rate of 18 per cent in deposits and 20 per cent in credit should be sustainable for banks in 2011-12. India's foreign exchange reserves stood at US$ 308. billion as on April 8, 2011, according to the data in the weekly statistical supplement released by RBI. Indians who live and work abroad have remitted US$ 55 billion in 2010 as compared to US$ 49. 6 billion in 2009 and have topped the world list in sending money back home, according to World Bank's Migration and Remittances Fact book 2011. With online money transfer services provided by many banks becoming popu lar, remitting money from any corner of the world is no more a problem. History of Indian Banking Industry Banking in India originated in the first decade of 18th century with The General Bank of India coming into existence in 1786. This was followed by Bank of Hindustan. Both these banks are now defunct.The oldest bank in existence in India is the State Bank of India being established as â€Å"The Bank of Bengal† in Calcutta in June 1806. A couple of decades later, foreign banks like Credit Lyonnais started their Calcutta operations in the 1850s. At that point of time, Calcutta was the most active trading port, mainly due to the trade of the British Empire, and due to which banking activity took roots there and prospered. The first fully Indian owned bank was the Allahabad Bank, which was established in 1865. By the 1900s, the market expanded with the establishment of banks such as Punjab National Bank, in 1895 in Lahore and Bank of India, in 1906, in Mumbai – both of which were founded under private ownership.The Reserve Bank of India formally took on the responsibility of regulating the Indian banking sector from 1935. After India's independence in 1947, the Reserve Bank was nationalized and given broader powers. Nationalization By the 1960s, the Indian banking industry has become an important tool to facilitate the development of the Indian economy. At the same time, it has emerged as a large employer, and a debate has ensued about the possibility to nationalize the banking industry. Indira Gandhi, the-then Prime Minister of India expressed the intention of the GOI in the annual conference of the All India Congress Meeting in a paper entitled â€Å"Stray thoughts on Bank Nationalisation. † The paper was received with positive enthusiasm.Thereafter, her move was swift and sudden, and the GOI issued an ordinance and nationalised the 14 largest commercial banks with effect from the midnight of July 19, 1969. Jayaprakash Narayan, a nationa l leader of India, described the step as a â€Å"masterstroke of political sagacity. † Within two weeks of the issue of the ordinance, the Parliament passed the Banking Companies (Acquition and Transfer of Undertaking) Bill, and it received the presidential approval on 9th August, 1969. A second dose of nationalization of 6 more commercial banks followed in 1980. The stated reason for the nationalization was to give the government more control of credit delivery. With the second dose of nationalization, the GOI controlled around 91% of the banking business of India.After this, until the 1990s, the nationalized banks grew at a pace of around 4%, closer to the average growth rate of the Indian economy. Liberalization In the early 1990s the then Narasimha Rao government embarked on a policy of liberalization and gave licenses to a small number of private banks, which came to be known as New Generation tech-savvy banks, which included banks such as UTI Bank (now re-named as Axis Bank) (the first of such new generation banks to be set up), ICICI Bank and HDFC Bank. This move, along with the rapid growth in the economy of India, kick started the banking sector in India, which has seen rapid growth with strong contribution from all the three sectors of banks, namely, government banks, private banks and foreign banks.The next stage for the Indian banking has been setup with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%,at present it has gone up to 49% with some restrictions. The new policy shook the Banking sector in India completely. Bankers, till this time, were used to the 4-6-4 method (Borrow at 4%; Lend at 6%; Go home at 4%) of functioning. The new wave ushered in a modern outlook and tech-savvy methods of working for traditional banks. All this led to the retail boom in India. People not just demanded more from their banks but al so received more. Current Situation Currently (2007), banking in India is generally fairly mature in terms of supply, product range and reach-even though reach in rural India still remains a challenge for the private sector and foreign banks.In terms of quality of assets and capital adequacy, Indian banks are considered to have clean, strong and transparent balance sheets relative to other banks in comparable economies in its region. The Reserve Bank of India is an autonomous body, with minimal pressure from the government. The stated policy of the Bank on the Indian Rupee is to manage volatility but without any fixed exchange rate-and this has mostly been true. With the growth in the Indian economy expected to be strong for quite some time-especially in its services sector-the demand for banking services, especially retail banking, mortgages and investment services are expected to be strong. One may also expect M, takeovers, and asset sales.In March 2006, the Reserve Bank of India allowed Warburg Pincus to increase its stake in Kotak Mahindra Bank (a private sector bank) to 10%. This is the first time an investor has been allowed to hold more than 5% in a private sector bank since the RBI announced norms in 2005 that any stake exceeding 5% in the private sector banks would need to be vetted by them. Currently, India has 88 scheduled commercial banks (SCBs) – 28 public sector banks (that is with the Government of India holding a stake), 29 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) and 31 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs.According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the banking industry, with the private and foreign banks holding 18. 2% and 6. 5% respectively. Growth of Indian banking industry The growth in the Indian Banking Industry has been more qualitative than quantitative and it is expected to remain the same in the coming years. Based on the projections made in the â€Å"India Vision 2020† prepared by the Planning Commission and the Draft 10th Plan, the report forecasts that the pace of expansion in the balance-sheets of banks is likely to decelerate. | | The total assets of all scheduled commercial banks by end-March 2010 are estimated at  Rs. 40, 90,000 crores. That will comprise about 65 per cent of GDP at current market prices as compared to 67 per cent in 2002-03.Bank assets are expected to grow at an annual composite rate of 13. 4 per cent during the rest of the decade as against the growth rate of 16. 7 per cent that existed between 1994-95 and 2002-03. It is expected that there will be large additions to the capital base and reserves on the liability side. The Indian Banking Industry can be categorized into non-scheduled banks and scheduled banks. Scheduled banks constitute of commercial banks and co-operative banks. T here are about 67,000 branches of Scheduled banks spread across India. As far as the present scenario is concerned the Banking Industry in India is going through a transitional phase.The Public Sector Banks (PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. Unfortunately they are burdened with excessive Non Performing assets (NPAs), massive manpower and lack of modern technology. On the other hand the Private Sector Banks are making tremendous progress. They are leaders in Internet banking, mobile banking, phone banking, ATMs. As far as foreign banks are concerned they are likely to succeed in the Indian Banking Industry. Types of Banks The operations of all the banks in India are controlled by the Reserve Bank of India. All the Indian banks are governed by the RBI or Reserve Bank of India. This governing body took over the reasonability of formally regulating the Indian banks in 1935.The Reserve Bank of India was announced as the official Central Banking Authority for the smooth supervision of the banking industry in India. Banks in India are classified into 2 broad categories namely, Public sector banks and Private sector banks. The banking scenario in India has already gained momentum, with the domestic and international banks gathering pace. All the banks in India are following the ‘cost', determined by revenue minus profit model. This means that all the resources should be used efficiently to improve the productivity and ensure a win-win situation. To survive in the long run, it is essential to focus on cost saving. Previously, banks focused on the ‘revenue' model which is equal to cost plus profit.Post the banking reforms, banks shifted their approach to the ‘profit' model, which meant that banks aimed at higher profit maximization. The  History of banking  in India dates back to the early half of the 18th century. 3 Presidency Banks that were established in the country namely the Bank of Hindustan, Bank of Madras and Bank of Bombay can also be referred to as some of the oldest banking institutions in the country. The State Bank of India that was earlier known as the Bank of Bengal is also one of the oldest in the genre. To know about the types of banks in India, it is necessary that we first comprehend the banking system so as to be able to distinguish about its various types.All  types of Banks in India  are regulated and the activities monitored by a standard bank called the Reserve Bank of India that stands at the apex of the banking structure. It is also called the Central Bank, as major banking decisions are taken at this level. The other types of banks in India are placed below this bank in the hierarchy. The major types of banks in India are as follows: [pic] Public sector banks in India All government owned banks fall in this variety. Besides the Reserve Bank of India, the State Bank of India and its associate banks and about 20 nationalized banks, all comprises of the public sector banks. Many of the regional rural banks that are funded by the government banks can also be clubbed in this genre.Banks such as State Bank of India, Bank of Baroda, Syndicate Bank and Canara Bank are known as Public sector banks. Public sector banks are controlled and managed by the Government of India. Public sector banks have been serving the nation for over centuries and are well known for their affordable and quality services. The banking sector in India is mostly dominated by the Public sector banks. The Public sector banks in India alone account for about 75 percent of the total advances in the Indian banking industry. Public sector banks have shown remarkable growth over the last five four decades. Allahabad Bank was the first fully owned Indian bank. It was founded in the year 1865. Private sector banks in IndiaA new wave in the banking industry came about with the private sector banks in India. With policies o n liberalization being generously taken up, these private banks were established in the country that also contributed heavily towards the growth of the economy and also offering numerous services to its customers. Some of the most popular banks in this genre are: Axis Bank, Bank of Rajasthan, Catholic Syrian Bank, Federal Bank, HDFC Bank, ICICI Bank, ING Vysya Bank, Kotak Mahindra Bank and SBI Commercial and International Bank. The Foreign Banks in India like HSBC, Citibank, and Standard Chartered bank etc can also be clubbed here. Private Banks are banks like HDFC bank, ICICI Bank, UTI bank and IDBI bank.The concept of private banking was introduced about 15 years ago. These are the banks that do not have any government stakes. Private Banks have gained quite a strong foothold in the Indian banking industry over the last few years especially because of optimum use of technology. The Private Banks are accountable for a share of 18. 2 percent of the Indian banking industry. IndusInd Bank was the first private bank in India. Currently the bank is among the fastest growing Bank Private Banks in the country. IDBI which is ranked as the tenth largest global development bank is counted as one of the finest financial institutions in the subcontinent. List of Public sector and Private sector banks in India Public Sector Banks |Private Sector Banks | |Bank of Baroda |Bank of Rajasthan | |Allahabad Bank |Catholic Syrian Bank | |Central Bank of India |Bank of Punjab | |State Bank of Patiala |Dhanlakshmi Bank | |Andhra Bank |HDFC Bank | |Canara Bank |Karur Vysya Bank | |State Bank of Hyderabad |ING Vysya Bank | |Oriental Bank of Commerce |Laxmi Vilas Bank | |Dena Bank |Karnataka Bank | |State Bank of Mysore |South Indian Bank | |State Bank of Indore |United Western Bank | |UCO Bank |UTI Bank | |Vijaya Bank |Centurion Bank | |Syndicate Bank |City Union Bank | |State Bank of India |Development Credit Bank | |Bank of India |Federal Bank |Corporation Bank |ICICI Bank | |Ind ian Bank |IndusInd Bank | |Union Bank of India |Jammu & Kashmir Bank | |Punjab National Bank- | | |State Bank of Bikaner and Jaipur | | |State Bank of Travancore | | |Bank of Baroda | | Comparison between Private and Public Sector BanksThe Private sector banks introduced the concept of online banking in India. This was mostly because the private banks were technologically well equipped. Online banking is extremely common today since you can sit anywhere and go ahead with your banking transactions. You do not have to personally visit your bank. The Private sector banks were using state of the art technology and fully computerized systems since the time they entered the Indian market whereas the Public sector banks were not. However despite the technological challenges the public sector banks in India are still the preferred destinations for many as they are considered as safer options for money deposit.Cooperative banks in India With the aim to specifically cater to the rural pop ulation, the cooperative banks in India were set up through the country. Issues like agricultural credit and the likes are taken care of by these banks. Opportunities in the Indian Banking Sector In the five decades since independence, the Indian banking system has evolved through four distinct phases. The major reform took place in the fourth phase, with the recommendations of Narasimham Committee (1991). The important initiatives that were introduced were the provisioning and capital adequacy, deregulation of interest rates and easing of norms to enter the banking sector.Further, the merger and acquisition in the sector will add a new growth dimension, as it would create 3 -4 global sized banks. The presence of these banks will help the country to attract foreign direct investments, which in turn will drive the future growth in the Indian Banking sector. The report titled ‘Opportunities in the Indian Banking Sector’ provides a crisp and comprehensive analysis of the c urrent status and overall growth prospects of the Indian banking industry. The report provides an insight into the use of Information Technology in the sector and the impact of the Union Budget 2010-11 on the growth of the sector. The research presents a detailed PEST analysis of the industry which is substantiated with key findings.The report aims to investigate the opportunities that have been created in the industry in the areas of pension fund, rural banking and e banking. Moreover, the research also explains the impact of the Basel 3 norms on the functioning of the Indian Banks. ‘Opportunities in the Indian Banking Sector’ is an outcome of comprehensive research and analysis of the Indian Banking sector. The team has also mapped the competitive landscape of the sector and tried to shed light on the operations/strategies of the key players. Thus, the information available in the report is expected to enable the target audience in understanding the contemporary indus try scenario. Key findings in the report include: The Indian banking industry has been able to sustain the global economic crisis much better than other developing countries due to its robust capital structure. The implementation of Basel 3 norms will make it more immune to crisis and will guard the banking industry against market risk, interest rate risk and operational risk. Moreover, the creation of capital buffer will provide a cushion for periods of stress and will not lead to situations of insolvency. †¢ In a major move, undertaken by RBI to elevate financial inclusion in the country, additional branch licenses will be granted to private sector banks and NBFCs. This will further assist to ease the entry norms in the industry and attract new players.Additionally, the setting up of new branches will help in extending banking products and services to remote areas of the country. †¢ A paradigm shift in the banking system has been witnessed with the use of information tec hnology for implementation of total banking automation. Various software companies are launching software application packages for banks. For instance, Infosys has rolled out Finnacle which a core banking software, designed to offer solutions for e banking, CRM for requirements of retail, corporate and universal banking and core banking. Moreover, with the introduction of interbank mobile payment service by The National Payment Corporation of India, the retail customers can now avail 24*7 fund transfers.History of Bank of Baroda[pic] [pic] About Bank of Baroda A saga of vision and enterprise It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage an d state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory.It is a story that needs to be shared with all those millions of people – customers, stakeholders, employees & the public at large – who in ample measure, have contributed to the making of an institution. Our mission statement To be a top ranking National Bank of International Standards committed to augmenting stake holders' value through concern, care and competence. Our Logo Our new logo is a unique representation of a universal symbol. It comprises dual ‘B’ letterforms that hold the rays of the rising sun. We call this the Baroda Sun. The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy – its far reaching rays dispel darkness to illuminate everything they touch.At Bank of Baroda, we seek to be the source that w ill help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable partner who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum return on their investment. The single-colour, compelling vermillion palette has been carefully chosen, for its distinctiveness as it stands for hope and energy. We also recognize that our bank is characterized by diversity. Our network of branches spans geographical and cultural boundaries and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds.The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism – it is meaningful for our many audiences and easily decoded by all. Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalised wor ld. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both. The Heritage It all started with a visionary Maharaja's uncanny foresight into the future of trade and enterprising in his country.On 20th July 1908, under the Companies Act of 1897, and with a paid up capital of Rs 10 Lacs started the legend that has now translated into a strong, trustworthy financial body,  THE BANK OF BARODA. It has been a wisely orchestrated growth, involving corporate wisdom, social pride and the vision of helping others grow, and growing itself in turn. The founder,  Maharaja Sayajirao Gaekwad, with his insight into the future, saw â€Å"a bank of this nature will prove a beneficial agency for lending, transmission, and deposit of money and will be a powerful factor in the development of art, industries and commerce of the State and adjoinin g territories. † The Ethics Between 1913 and 1917, as many as 87 banks failed in India. Bank of Baroda survived the crisis, mainly due to its honest and prudent leadership.This financial integrity, business prudence, caution and an abiding care and concern for the hard earned savings of hard working people, were to become the central philosophy around which business decisions would be effected. This cardinal philosophy was over years of its existence, to become its biggest asset. It ensured that the Bank survived the Great War years. It ensured survival during the Great Depression. Even while big names were dragged into the Stock Market scam and the Capital Market scam, the Bank of Baroda continued its triumphant march along the best ethical practices. The Heroes No history is complete without mention of its heroes, mostly ordinary people, who turn in extra-ordinary performances and contribute to building an institution.Over the years, there have been thousands of such people. The Bank salutes these â€Å"unknown soldiers† who passionately helped to create the legend of Bank of Baroda. There were also the leaders, both corporate and royal, who provided the vision and guided the Bank through trail blazing years, and departing, left behind footprints on the sands of time. This Roll of Honor will be incomplete without mention of men, of the stature of  Maharaja Sayajirao Gaekwad, Sampatrao Gaekwad, Ralph Whitenack, Vithaldas Thakersey, Tulsidas Kilachand and NM Chokshi. Bank of Baroda salutes these leaders whose vision helped to create an institution. Offices and branches [pic] [pic]Shower of Awards & Accolades On Bank Of Baroda ? Bank of Baroda receives Skoch Award ? Bank of Baroda bags Bank of the year 2010 (for India) ? Bank of Baroda has bagged three awards from Association of Business Communicators of India in an award function held at Mumbai. ? Bank of Baroda has been conferred upon Best Bank 2010 award by the prestigious financial magazine, Business India in recognition of its consistent performance ? Bank of Baroda has been conferred upon Silver Award by Dainik Bhaskar group (DNA) ? Bank of Baroda has been awarded with prestigious Dalal Street- DSIJ PSU Award. ? CMD Shri M. D. Mallya is seen receiving the Skoch Challenger Award from Dr. C.Rangarajan, Hon’ble Chairman, Economic Advisory Council to the Prime Minister. ? Association of Business Communicators of India gives awards every year in various categories of Business Communication. Bank of Baroda got the Gold Trophy for the Indian Language Publication, Silver Trophy for the Corporate Website of the Bank, Bronze trophy for Bilingual Internal Magazine and CMD’s message. The Awards were received by Smt. Vindhya Ramesh, Dy. General Manager along with team members in an award function held in Mumbai. ? Shri Nandan Srivastava, General Manager in-charge (Official Language) receiving the   prestigious Millennium National Rajbhasha Shield constituted by Nat ional Hindi Academy Bank of Baroda has been conferred â€Å"Bank of the year† Award at India Leadership Conclave held in Delhi. ? Bank has won award for the leading Public Sector Bank in â€Å"Global Business Development† category at the Dun & Bradstreet Banking Awards 2009, held in Mumbai, on wednesday 18th February 2009. Journey from 1908 to 2009: 1908-1958 ? 1908: Maharaja Sayajirao Gaekwad III set up Bank of Baroda (BOB). ? 1910: BOB established its first branch in Ahmadabad. ? 1953: BOB established a branch in Mombasa and another in Kampala. ? 1954: BOB opened a branch in Nairobi. ? 1956: BOB opened a branch in Dar-es-Salaam. ? 1957: BOB established a branch in London. ? 1959: BOB acquired Hind Bank. 1960s-1970 1961: Merger of New Citizen Bank of India with BOB helped it increase its branch network in Maharashtra. ? BOB also opened a branch in Fiji ? 1962: BOB opened a branch in Mauritius. ? 1963: BOB acquired Surat Banking Corporation in Surat, Gujarat. ? 1964: B OB acquired two banks, Umbergaon People’s Bank in southern Gujarat and Tamil Nadu Central Bank in Tamil Nadu state. ? 1964: BOB lost its branch in Narayanjanj (East Pakistan) due to the Indo-Pakistan war. It is unclear when BOB had opened the branch. ? 1965: BOB opened a branch in Guyana. ? 1967: The Tanzanian government nationalized BOB’s three branches there and transferred their operations to the Tanzanian government-owned National Banking Corporation. 1969: The Government of India nationalized 14 top banks, including BOB. BOB incorporated its operations in Uganda as a 51% subsidiary, with the government owning the rest. 2000s ? 2000: BOB established Bank of Baroda (Botswana). ? 2002: BOB acquired Benares State Bank in Benares at the Reserve Bank of India’s request. ? 2002: Bank of Baroda (Uganda) was listed on the Uganda Securities Exchange (USE). ? 2003: BOB opened an OBU in Mumbai. ? 2004: BOB acquired the failed Gujarat Local Area Bank, and returned to Ta nzania by establishing a subsidiary in Dar-es-Salaam. ? BOB also opened a representative office each in Kuala Lumpur, Malaysia, and Guangdong, PRC. 2005: The Reserve Bank of India (RBI), has approved a joint venture between BOB, Bank of Maharashtra (BOM), and Oriental Bank of Commerce (OBC) to set up a bank in Malaysia. The new bank will reside in Kuala Lumpur, which has a large population of Indians. The initial capital required will be US$78 million; BOB will invest 40%, and the other two banks will invest 30% each. The JV is awaiting approval from the Malaysian Central Bank. Bank has built and commissioned its own State-of-the-Art Global Data Centre (DC) in Mumbai for running its centralized banking solution(CBS) and other applications in 1900+ branches across India and 20 other counties where the Bank is operating. ? BOB also opened a representative office in Thailand. ? 2006: BOB established an Offshore Banking Unit (OBU) in Singapore. 2007: In its centenary year, BOB's total b usiness crossed 2. 09 lakh crores, its branches crossed 1000, and its global customer base 29 million people. ? 2008: BOB opened a branch in Guangzhou, China (02/08/2008). ? 2009: Bank of Baroda registered with the Reserve Bank of New Zealand, enabling it to trade as a bank in New Zealand (2009/09/01) Personal Banking Services Bank of Baroda  believes in the strength and integrity of relationships built with its customers like you. With over 102 years of experience in the banking industry and a wide network of over 3412 branches  all over the country, we have always been active in extending financial support and adapting to your changing needs.Bank’s  Deposit Products,  Retail Loans,  Credit Cards  and  Debit Cards  help you with your growing financial needs. With facilities like  Lockers  we ensure that your valuables are safe with us. BOB’s countrywide branches offer convenience and ease in operating one’s account wherever they are. BOBâ₠¬â„¢s 24-hour ATMs enable to withdraw cash, check account balance and request for a new cheque book even after banking hours. Faster technology for better service Baroda Internet Banking / Baroda Mobile Banking, our latest Internet and Mobile banking initiatives enable you to operate your account just as you would in any of our branches. You can through the Internet check your balance, request for cheque books and print account details.Choose from our various products and services, that we sincerely feel will put a smile on your face; an investment we would like to bank on forever. | | | | Deposits Bank of Baroda  offers various deposit plans that you can choose from depending on the term period, nature of deposit and its unique saving and withdrawal features. Apart from competitive interest rates and convenient withdrawal options, BOB’s deposit plans offer other features such as overdraft facility, outstation cheque collections, safe deposit lockers, ATM's etc. Choose from   Fixed,  Current  and  Savings  Deposit plans. Fixed deposits are categorized into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.These deposit plans offer convenient solutions to both working individuals as well as senior citizens. Current and saving deposits are ideal for individuals who wish to take advantage of multiple benefits within the same plan and even be eligible to opt for overdrafts. Deposit Products & Services Fixed Current Saving Gen Next Services Gen- Next Junior Gen- Next Life style Gen- Next Power Gen- Next Suvidha Retail Loans A wide range of solutions for your financial needs Bank of Baroda  offers a wide range of retail loans to meet your diverse needs. Whether the need is for a new house, child's education, purchase of a new car or home appliances, BOB’s unique and need specific loans will enable his/her to convert dreams to realities. Products Home Loan | |Home Improvement Loan | |Loan Again st Future Rent Receivables | |Advance Against Securities | |Baroda Career Development Loan | |Two Wheeler Loan | |Traders Loan | |Baroda Ashray | |Home Loan TO NRIs/PIOs | |Mortgage Loan | |Education Loan | |Auto Loan | |Loan To Doctors | |Personal Loan | | | | | | | | | |Debit Card | |The  Bank of Baroda International Debit Card  is accepted at over  50000 Visa Electron ATMs in India and 1000000 ATMs worldwide. The | |card is also accepted at any 350000 merchant outlets in India and around 29 millions globally.The card enables you to enjoy the | |convenience of cash-less purchasing power without the fear of overdrawing your account | |Key Benefits and Features | |ATM daily cash withdrawal limit Rs: 25,000 (per transaction limit Rs. 15,000) and Point of Sales (POS) daily limit Rs. 50,000. | |Take advantage of the most widely accepted card and be able to withdraw from any ATM displaying the VISA logo, in India and | |abroad. | |At VISA Electron merchant shops, it can also serve as your electronic purse, and money gets debited instantly from your account, | |as you pay. | |The Card allows you to get mini-statements from Bank of Baroda ATMs, or to check the balance in your account, avoiding visits to | |even our nearest branches. | | | | | | | | | | | | | | | | | | | | |What's a Debit Card? | |A debit card is issued to an account and card holder uses the card the debit transaction is directly affected to his/her account | |to the extent of balance available. Whereas in credit card there is no need of account but a credit limited is granted up to which| |one can spend. | |How Does a Debit Card Work? | |When you use a debit card, the linked account is checked for the balance availability and the transaction debits (withdraws) the | |amount from the linked account, immediately.You can use a debit card to get cash from  ATM machines  or have it swiped like a | |credit card at shops or restaurants or swipe it through a pay phone to make a call. | |Making a Travel Budget With a Debit Card | |Naturally, you can't rely on your debit card for all your international transactions – imagine haggling with a street vendor, | |getting the price right and then trying to give him/her plastic! Remote hostels and many restaurants in third world countries | |don't accept credit cards (which is how debit cards are viewed in the business world).Thus, you'll need to make budget plans | |before you leave home so that you have traveler's checks and cash  and  some money in your checking account for use on your debit | |card. | |Let's assume you have a budget of $2000 for your trip. Decide how you're comfortable splitting that into the way you'll use it; | |$100 in traveler's checks (although travelers' checks are dead as disco, because carrying them is a pain on several levels — | |we've had banks in other countries refuse to cash them, we've lost them, etc. and so on), $400 in cash and $1500 left in your | |checkin g account, for example — that's $1500 on your debit card. | |If that $2000 represents your entire cash portfolio, consider setting up emergency precautions before you leave home.If someone, | |like Dad, is willing to loan you money, leave deposit slips with him so that if you spend all your money abroad, you can dial for | |dollars (using your debit card) and he can get some money into your account. If your debit card (your checking account) is almost | |empty, ask him to tell the bank to â€Å"memo post† the deposit so that the cash is immediately available and your debit card is | |quickly back in business. | |How to Get a Debit Card | |Chances are you were automatically offered a debit card when you opened your checking account. If you don't have a checking | |account, go open one now.Look for a bank that doesn't charge checking account fees, and ask for a debit card. | |It takes a few days to two weeks to get a debit card after you order it. When the card arrives, sign the back; have photo id with | |your signature handy when you use the card – merchants may want to compare your face and your signatures to protect themselves | |from fraud. | |How to Choose a Debit Card PIN Number | |Your debit card comes with a PIN (personal identification number) which can be changed to a number you can easily remember. | |Memorize it; if you have to write it down, keep that separate from your card.Don't choose an obvious number, like your birthday, | |in order to lessen the chances of someone else being able to guess your PIN number if they come into possession of your card. | | | | | |If You Lose Your Debit Card†¦ | |If your card is lost or stolen, call your bank a sap (Skype's a good, cheap choice for international calls from anywhere you can | |find a computer) before someone else spends your money. Write down your bank's number before you leave home and keep it in a | |couple of places – your journal, your guidebook. Set up an  i nternational snail mail address before you leave home so your bank can| |send you a different card if yours does get lost or stolen. | | | | | | |When to Use Your Debit Card | |Debit cards are handy when making a long distance room reservation or any internet reservation, including plane tickets. You can't| |use a debit card just like a credit card when renting a car – the companies require a major credit card, which offer a certain | |amount of insurance in case you have a fender bender. |About Debit Card Fees and Overseas Transaction Fees | |International ATM machines will charge a fee  when you use your debit card; the amount is determined by the ATM owner. Most fees | |are under $5 — a notice on the ATM machine will tell you what the fee is. More than $2 is too much — look for another ATM | |machine. | |The real fee problem with a debit card comes from your own bank — the card issuer may charge you up to 3 percent for a foreign | |transaction, in cluding an ATM withdrawal. Call your bank long before you go — if you don't like the fee, call around and ask what| |other banks are charging for foreign transactions made with a debit card; be sure to ask what, if any, fees the bank will charge | |for an ATM withdrawal made on foreign soil, even at an â€Å"international bank. | | | | | | | | | | | | | | | |Bank Of Baroda Debit Card | |What is a debit card? | |Debit Card is an electronic purse, which allows the holder to withdraw cash from ATMs and also enables him to purchase goods or | |services from the member establishments. Debit Cards are mostly issued in collaboration either with VISA or MASTER Card. | |What is Bank of Baroda’s Debit Card? | |Bank is issuing globally accepted Debit Card in association with VISA, which will be the easiest way to access customer’s account. |A debit card will allow the customer to purchase goods at VISA Electron merchant establishments and withdraw Cash from any VI SA | |ATM in India and abroad. It is a 24 hours banking facility. | |What is the difference between a Debit Card and a Credit Card? | |The basic difference between a Debit Card and a Credit Card is that the Debit Card gives the customer access to his own money | |whereas the credit card is a form of loan and allows line of credit offered by the Bank. As in case of Debit Card, there will be | |on line debit to the customer’s account, there are no hassle of receiving bills, making payments on due dates, making payment of | |interest on the amount not paid etc. |What is the advantage of a debit card? | |The debit card provides tremendous convenience in payments and helps the customers reduce the amount of cash they need to carry. | |Besides that customer always stays in control of his finances as he can spend only what he has in his account. It also gives an | |unparalleled access to his account, whenever he wants, wherever he goes. | |No Interest / service Charges | |Suits to the Indian psyche of limited expenditure. | |Debit card is not included in the list of Compulsory Income Tax Return Filing. |Usable at POS and hence no carry cash | |Same Card usable at ATMs | |Will customers be entitled to get an additional card in case of joint accounts? | |All the joint account holders, if the operating instructions in the account are ‘either or survivor’, are eligible to get an | |additional card in his/her own name. | |What are the charges for issuing of a Debit Card? | |There are no charges for issuing a debit card. | |What should customer do on receipt of DEBIT CARD? | |Customers are advised to immediately sign on the panel on the back of the Card. However, to prevent any possible misuse, even | |before delivery of Card to customer, it has been made mandatory that Customer should first use the Card at ATM, which requires PIN| |to be entered..Debit Card will be activated for use at POS only after it is used at ATM. | |What is PIN? | |PIN is a FOU R Digits Personal Identification Number, which is issued to the customer in a CLOSED Jacket and is delivered to him | |separately. Customers are requested to ensure that PIN jacket is received by them INTACT and they are also requested to change his| |PIN immediately. Under no circumstance, PIN should be divulged to anyone including to any official from the Bank. | | | |Where will Bank Of Baroda Debit Card be accepted? | |The  Bank of Baroda International Debit Card  is accepted at over 32000 Visa Electron ATMs in India and 1000000 ATMs worldwide.The | |card is also accepted at any 350000 merchant outlets in India and around 29 millions globally. The card enables you to enjoy the | |convenience of cash-less purchasing power without the fear of overdrawing your account. | |What are the facilities available at ATMs? | |At BANK OF BARODA’s ATM network, Customer will be able to withdraw Cash, make a balance enquiry, change his PIN and print a mini | |statement of his account. However, at all other banks ATMs he will be able to withdraw cash and enquire the balance only. | |Whether there are any charges for using CARD at ATMs? | |There will not be any charges for using the Card at Bank of Baroda’s own ATM network.However, if the Card is used at other banks | |ATM, whether in India or abroad, customer is required to pay the charges as per tariff of charges, which will be declared by the | |Bank from time to time. | |And what about charges for using the Card at POS? | |There will not be any charge for using the Card at the POS, either in India or abroad except a nominal service charge is levied if| |the card is used at Petrol Pumps and Indian railways. | |How the amounts withdrawn abroad or purchases made outside India are debited into the account? | |Normally the Cash can be withdrawn and payments for purchases can be made upto the amount of balance available in the account of | |the customer.However, for safety reasons Bank has fixed PER DAY limit of Rs 15000/- for withdrawing the Cash at ATMs and Rs | |25000/- for making purchases at the POS, subject to maximum of balance available in SB account. These limits are also subject to | |using the card MAXIMUM of FOUR times in a day. | |Are any formalities required to be completed by the Bank for international transactions? | |NO, the customer is required to use the Card as per his foreign exchange entitlements only and necessary formalities as required | |under FEMA 1999 are to be complied with by the customer. | | | |What will be the mode of payment in case of a Debit Card? | |The account of the customer will be debited instantly to the extent of purchases made and amount withdrawn from the ATMs. |Therefore, there will not be any monthly outstanding as in case of Credit Cards. | |If customer returns the goods to POS or cancel the transactions, will his account be credited online? | |In case he cancels the transaction immediately, customer’s account will be credited imme diately. However if any customer returns | |the goods later, merchant will make the payment to our Base branch through acquirer. Switch will pass on the credit to customer’s | |account thereafter. | |What is the procedure to be followed in case of loss of Debit Card? | |In case of loss of card, customer will be required to report the loss IMMEDIATELY over phone to our 24 hours Customer Care Toll | |free number 1800 220 400. He will also be required to report the loss to nearest police station and inform the Bank in writing | |along with a copy of information duly acknowledged by the Police. | |When will the customer get replacement card in lieu of lost one? | |Replacement card will be issued to customer after receipt of above information and a request for issuing of replacement card from | |the base branch of the customer. | |How can Customer prevent misuse of card in event of getting it misplaced? | |Customers are protected from the misuse/losses on the Debit Card after they report the loss to the Bank. They will be covered | |automatically under an insurance cover. Please note that this cover will be available to customers only for misuse of card atPOS,| |because at ATM misuse without PIN is not possible. Customer is neither supposed to divulge his PIN to anyone nor record the PIN | |anywhere. | [pic] SWOT Analysis SWOT ANALYSIS STRENGTH: ? Financially strong bank ? Very old bank ? Aggressive marketing ? Good repo ? Technological advanced WEAKNESS: ? Guidelines are not flexible ? Power is not decentralized OPPORTUNITIES: ? New area is developing. So, there is vast chance for housing loan. ? Guidelines to be designed in such a way that needs of the all type of prospective borrowers should be fulfilled. THREATS: ? This is the nationalized bank so, competition may be with private banks ?Aggressive marketing strategies by private banks ? Entry of foreign banks in near future. [pic] Findings and Research Methodology Findings Q. 1. Are you a customer of BOB ? [pic] Interpretation:- Around 91. 60% are Bank of Baroda customer, because these surveys are conducted in various branches of BOB only. So majority are customer of BOB. Q. 2. Which type of A/C do you maintain? [pic] Interpretation:- According to survey there are majority of respondent are maintaining saving account. It’s very easy to maintain and also only 1000Rs. are required for opening these type of account. Q. 3. How long are you banking with BOB? [pic] Interpretation:-According to total respondent 29 respondent are banking with Bank of Baroda lies between 1-5 years and 26 respondent are banking with BOB more than 5 years. Q. 4. Which of the following facilities of BOB you use? [pic] Interpretation:- According to respondent 40 customer are using ATM/Debit Card and 18 customer are using Net banking. These show those customers are using ATM/Debit card facilities more than other facilities. Q. 5. How frequently do you use AMT/Debit card? [pic] Q. 6. What purpose you are us ing AMT/Debit card? [pic] Q. 7. Select the type of Baroda Connect a/c you use? Q. 8. How did you come to know about Baroda Connect? [pic] Q. 9.Which of the following do you use in Baroda Connect facility? [pic] Q. 10. How frequently do you use Baroda Connect (net banking facility)? [pic] Q. 11. Select some of the benefits of using Baroda Connect? [pic] Q. 12. Do you have demate A/C? [pic] Q. 13. Satisfaction level of using ATM/Debit card: [pic] Q. 14. Satisfaction level of using Baroda Connect (Net Banking): [pic] Q. 15. How frequently do you visit the branch? [pic] Q. 16. What are purpose of visiting the brand? [pic] Personal Detail:- ? Gender:- [pic] ? Education:- [pic] ? Monthly Income (Rs. ):- [pic] Research & Development ACTUAL COLLECTION OF DATA Data sources: The sources of data include either secondary data or primary data and even ome times the combination of both. The present study is more concentration on both primary and secondary data. Primary data: Primary data is colle cted through face-to face interaction with customers of the telecom companies, by meeting them in personal. Secondary data: The secondary data used for their study are inclusive of the data collected from the internet, catalogues and brochure. SAMPLING PLAN 1 Define Population ? Elements: Customers ? Sampling Units: Businessmen, Professional, House wives, Students. ? Extent: West, North, South, East 2 Sampling Frame ? Various Branches of Bank of Baroda, Ahmedabad city. 3 Sampling Method ? Random Sampling METHODOLOGYThe study will conduct on the bases of survey through questionnaires given to respondents. Sampling Design Population: Ahmadabad Sample Size: Population of 60 LEARNINGS The most important part is that they make me feel employee of the organization rather than a trainee and allow me to flourish in each and every department. They were so generous to me that at any mistake, rather scolding they taught me how to correct it & allow me to learn from that mistake. Learning inclu de, 1. Overview of the banking industry & their operation 2. Deep Knowledge of ATM/Debit Cards 3. Familiar with third party Products and Alternative delivery Channels 4. Gain knowledge of loan 5.Proposals that the bank has approved for the disbursement of loan 6. Working on CRISIL and learning some of its function 7. The most important learning of CIBIL& how to learn this CIBIL 8. Knowledge & functioning of LAPS software 9. Also Updated with SME Loans, City back offices, Service branch, MICR centre. 10. How to come out from the different problems & how to interact with customer. 11. Awareness of FINACLE software. Experience at Bank of Baroda I would like to conclude my project with a feeling of having gained enormous knowledge in the field of advances. My project has taught me a lot and has helped me sharpen my management skills for application aspect.I had wonderful experience for which I am greatly thankful to the entire staff of BOB who have continuously taught me by guiding in each and every step. It was a memorable experience of working in such a lively & dedicated atmosphere. Not to forget to mention that my two months training has removed my misconceptions regarding the working of public sector bank. Lastly, I would conclude it was such a memorable experience for me to be a part of BOB. Thanks a lot to all staff members of BOB for such a good co-operation. BIBILIOGRAPHY ? www. bankofbaroda. com ? www. google. com ? http://www. ibef. org/industry/Banking. aspx ? www. cibil. com ? www. crisil. com [pic] ———————– [pic]