Barnabas Medical Centre Essay Example | Topics and Well Written Essays - 1750 words - 14

Barnabas Medical Centre - Essay Example 2. The power boundary between Dr. Tony, the Associate Chief Medical Officer, and the departmental managers could jeopardize this process, especially if Dr. Tony opted not to cede power to them to come up with a solution to the problem facing BMC. Â  There could also be a conflict between the departmental managers as they sought to establish how each department influences the other. This was overcome through Dr. Tony’s effective relationship and communications management. Â  3. In this case, leaders encompass all that offered support and facilitation in the process. Dr. Tony exhibited emotional intelligence as a leader, self-motivating and motivating other members of staff towards the realization of the intended goal and showing social awareness. He shared authority and collaborate knowledge. Departmental managers exhibited their active leadership by engaging in the problem-solving process at BMC. Â  4. The factors that made the collaborative effort successful included Dr. Tony’s effective collaborative leadership and his effective management of communications and relationships. His knowledge of BMC’s ED situation and knowledge and skills on healthcare operations also made the collaborative effort successful. Â  1. The leader-followers boundary posed a challenge as the followers (medical staff) could resist the change by their leader, Dr. Till, in adopting the proposed changes. There was also a challenge between the organization and the government, such that, whereas the hospital management seeks to provide the best services to Willow Springs residents, the government cuts the needed financial aid. Â  2. Dr. Till is a leader in this case, having ceded his power to the medical staff to allow them to come with effective solutions for Willow Springs residents. He served as a servant leader by supporting and facilitating the workload with the medical staff.

Dean College Essay Example for Free

Dean College Essay During my year at Dean College, apart from putting efforts in enhancing my academic performance, I had been working as a peer tutor in the Learning Center. The Learning Center provides materials and information to enhance students’ learning skills, ability and their knowledge on the content of subjects. My role is to offer content assistance in the areas of Economics, English and Mathematics, but would often cross-tutor in several other areas such as Criminal Justice, writing, and general study skills. Experiencing the success in assisting other students and receiving good feedbacks had gained me a really joyful work experience as a peer tutor. I had a relatively different idea of being a peer tutor, since students usually went to the learning center for quick review on their essays which were due shortly. I had been working hard in marketing strategies, whereas creating an atmosphere of a place that they can spare their time here to concentrate, a place where combine the characteristics of library and private tutors. In this place, they can concentrate on their studies, with rich resources like computer stations, printers and reference books. Moreover, to make them feel more comfortable, they won’t feel like they are being tagged as doing bad on academics, since tutors no longer wear staff tags. They will feel more confidence on themselves in this way. I think that it is essential to create a certain sort of relationship right off the bat with the person you are tutoring. It is important to make the student feel that we are also students that are continually learning and also willing to contribute out ideas and point of view with them. There is a major difference between a peer tutor and a teacher. I believe that peer tutors do not judge and on top of that, they do not give out grades! It is also easier for tutors to come out and say that they do not know all the answers. Many times, a student can have trouble in class but never address these questions to their teachers for many different reasons. One of them could be because they are afraid of talking in front of a larger group of students. Another reason could be because they might feel that their question is stupid. These reasons could inhibit a student from learning and understanding the material. I think that as a peer tutor, I am able to help these students on a one-on-one basis. I think that my experiece gained from this job is very meaningful and has helped me a lot in the way to communicate with others in a more positive and encouraging way. Helping others makes me feel more satisfied with my performance and has definitely given me a lot more confidence that I can assist others even though I may have shortcomings. These students learn something from me as a peer tutor and on the other hand, I learn a lot of things from the students who have sought for my help.

Manuscript :: essays research papers

ManuScript is a simple, music-based programming language developed to write plug-ins for the Sibelius music processor. It is based on Simkin, an embedded scripting language developed by Simon Whiteside (www.larts.co.uk/simkin.html), and has been extended by him and Graham Westlake. (Simkin is a spooky pet name for Simon sometimes found in Victorian novels.) Rationale In adding a plug-in language to Sibelius we were trying to address several different issues: Music notation is complex and infinitely extensible, so some users will sometimes want to add to a music notation program to make it cope with these new extensions. It is useful to allow frequently repeated operations (e.g. opening a MIDI file and saving it as a score) to be automated, using a system of scripts or macros. Certain more complex techniques used in composing or arranging music can be partly automated, but there are too many to include as standard features in Sibelius. There were several conditions that we wanted to meet in deciding what language to use: The language had to be simple, as we want normal users (not just seasoned programmers) to be able to use it. We wanted plug-ins to be usable on any computer, as the use of PC?s, Macs and other platforms is widespread in the music world. We wanted the tools to program in the language to be supplied with Sibelius. We wanted musical concepts (pitch, notes, bars) to be easily expressed in the language. We wanted programs to be able to talk to Sibelius easily (to insert and retrieve information from scores). We wanted simple dialog boxes and other user interface elements to be easily programmed. C/C++, the world?s ?standard? programming language(s), were unsuitable as they are not easy for the non-specialist to use, they would need a separate compiler, and you would have to recompile for each different platform you wanted to support (and thus create multiple versions of each plug-in). The language Java was more promising as it is relatively simple and can run on any platform without recompilation. However, we would still need to supply a compiler for people to use, and we could not express musical concepts in Java as directly as we could with a new language. So we decided to create our own language which is interpreted so it can run on different platforms; is integrated into Sibelius without any need for separate tools, and can be extended with new musical concepts at any time. The ManuScript language that resulted is very simple.

Baseball :: essays research papers

Baseball Central Michigan University baseball is one of the finest in the state of Michigan. Baseball players at C.M.U. are dedicated to being the best on and off the field. I had the privilege of working baseball for my first PES 283 rotation, and I think I will never forget it for the rest of my life. Coach Kriener demands the athletes to be the best students-athletes that they can be. I believe this is one reason no senior has graduated in twenty years without winning a ring. He teaches them to be winners; he will not accept anything but the best. I believe that the best way to avoid injuries is to be in shape and use common sense. There are many factors that could cause injury on a baseball diamond. The best way to make our job as trainers easier is to prevent these injuries. The best way to prevent injury is to make sure that all the equipment is put on the side and not on the middle of the field, where someone going for a foul does not trip over a baseball or a helmet. I do not think athletes really think in such terms until someone actually gets hurt. One thing that I always kept my eye on when I was working was to make sure the catcher's were wearing their face mask when they were warming the pitchers in the bullpen. At first, the athletes thought I was telling them to put their mask on as an authoritative figure; however, after I explained to them it was for their own good, and I was only looking out for their safety, they realized why I was doing it. I believe one way to get the respect of the athletes and coaches on a team is to let them see you care about them, and you as the trainer care about them winning. Warming and cooling down before and after practice is another good way to prevent injury. Warming up by running and then stretching will help prevent injury. Light jogging gets the blood supply flowing and will enhance the stretch. I believe it also gets the athlete ready to perform. Stretching will also promote flexibility, a big factor with being "in shape." The cool down period is also important in making sure the athlete stays in shape aerobically. This will maximize the practice. I always made sure the athletes did all their running before they received their ice. I found out the N.C.A.A. really did not impose a lot of safety factors for baseball.

Mission, Vision, and Values Paper

The University of Phoenix was founded in 1976 as an outlet for working adults to obtain an education, while continuing to hold down a full time job. The ingenious idea of creating such an organization can be coupled with the name Dr. John Sperling. Dr. John Sperling begin the creation of University of Phoenix in his basement, at the preface of personal computers. The University of Phoenix offers degree program at the level’s of associates, bachelors, masters, and doctoral degrees. The degree programs can be obtained by several modalities.The most commonly know modality is online, and there are also over 200 campuses that offer programs as well. Dr. John Sperling suggested how institutions would pioneer new approaches to curricular and program design, teaching methods and student services. These beliefs eventually resulted in the creation of University of Phoenix and they continue to inspire the University’s mission, purposes and strategies today (University of Phoenix [ UOP], 2008). The University of Phoenix is the nation’s largest private university.The mission of University of Phoenix is to provide access to higher education opportunities that enable students to develop the knowledge and skills necessary to achieve their professional goals, improve the productivity of their organizations, and provide leadership and service to their communities (University of Phoenix [UOP], 2008). The following are the purposes for the University of Phoenix: ~To facilitate cognitive and affective student learning–knowledge, skills, and values — and to promote use of that knowledge in the student's work place.~To develop competence in communication, critical thinking, collaboration, and information utilization, together with a commitment to lifelong learning for enhancement of students' opportunities for career success. ~To provide instruction that bridges the gap between theory and practice through faculty members who bring to their classroom not only advanced academic preparation, but also the skills that come from the current practice of their professions. ~To provide General Education and foundational instruction and services that prepare students to engage in a variety of university curricula.~To use technology to create effective modes and means of instruction that expand access to learning resources and that enhance collaboration and communication for improved student learning. ~To assess student learning and use assessment data to improve the teaching/learning system, curriculum, instruction, learning resources, counseling and student services. ~To be organized as a for-profit institution in order to foster a spirit of innovation that focuses on providing academic quality, service, excellence, and convenience to the working adult.~To generate the financial resources necessary to support the University’s mission. (UOP, 2008) All corporations depend on effective strategic management. A starting point in strat egic management is setting goals. Every business needs goals, a mission, and values. Goals are basically intended to meet hopes and plans of an organization. The mission usually tells how a company will reach their goals. Values are what the organization beliefs in. The strategy of an organization should determine the firm’s overall attitude toward growth and the way it will manage its businesses.A company may decide to grow by increasing its activities or investments. Strategies should focus on improving the companies competitive position, and how best to achieve corporate goals by being as productive as possible. The mission statement is a message designed to be inclusive of the expectations of all stakeholders for the company's performance over the long run (Pearce & Robinson, 2004). At many companies, top management drafts and circulates detailed mission statements.Because such a statement reflects a company’s understand of its activities as a marketer, it is not e asily described. The mission statement for the University of Phoenix explains how they will achieve their purposes in the environments in which they conduct businesses. Strategy tends to have a wider scope. It is the definition a broad program that describes an organization’s intentions. A business strategy outlines how the business intends to meet its goals and includes the organizations responsiveness to new challenges and new needs.Because a well formulated strategy is so vital to a business’s success, most top managers devote substantial attention and creativity to this process. A second implication of viewing strategic management as a process is that strategy formulation and implementation are sequential. The process begins with development or reevaluation of the company mission (Pearce & Robinson, 2004). This also presents an opportunity for an organization to do a SWOT analysis. SWOT is an acronym for the internal Strengths and Weaknesses of a firm and the envir onmental Opportunities and Threats facing that firm.SWOT analysis is a widely used technique through which managers create a quick overview of a company's strategic situation (Pearce & Robinson). The ultimate goal of the new strategy is to have an effective impact on the leaders, the culture, and the stakeholders. The strategy should allow the leaders to efficiently run the organization. The strategy should enable a conducive culture so that there is no negativity brought to the organization. The strategy should reward stakeholders and ultimately reward the stakeholders so that they may continue to hold stake in the company.

Employment Trends Services Industry Soars

Employment Trends Services Industry Soars For many job seekers, employment reports have indicated that jobs, particularly in the service industry, are plentiful. Recent unemployment numbers have held steady at 5.3 percent, representing a seven-year low. It is expected that the last two quarters will post a trend toward even more encouraging employment numbers. Sector GrowthSome sectors are posting an increase in the number of available jobs. For instance, growth in health care, retail, technology, professional services and finance jobs is encouraging. At the same time, some areas such as the energy sector posted lower job offerings, largely due to the glut in oil and decreased commodity prices. Overall, the service industry posted the largest gains. The biggest decrease was found  in the manufacturing sector.Service Sector and Retail Trade GrowthThe U.S. Department of Labor noted that the majority of job growth is related to the upswing in service sector jobs. Food service jobs grew by 376,000 in the past year, the leaderà ‚  in all sectors. This trend is the strongest and is positioned for greater growth. The growth of 322,000 jobs in the past year among retail workers is also encouraging. Creating a perfect retail resume is your first step to take if you want to apply for retail jobs.Other Sectors With GainsGains were seen in other sectors, with health care jobs adding 28,000 jobs for the month and 436,000 for the year. Jobs available in hospitals rose by 16,000. Computer design grew by a modest 9,000 jobs, while engineering and architectural jobs gained about 6,000 positions. Transportation-related jobs grew by 146,000 overall.Health Care JobsThe rise in health care jobs is related to demographic changes including an aging population and health insurance modification. These changes make  health care a good sector for aspiring job applicants.Dental and nurse practitioner jobs also offer a potential for rapid growth and an excellent salary base. Health care assistant jobs overall are plentiful.Look ing for a JobBeing aware of job offerings is the first step in gaining employment. Older methods of using job want ads are limited, and more applicants are turning to online searches to find work. TheJobNetwork provides you with a way to stay on top of jobs as they become available, letting you apply quickly before the position is filled.TheJobNetwork lets you search a vast database filled with opportunities obtained from various sources. This free-to-use database makes it easy by listing your job preferences and criteria as well as your qualifications. When matching jobs are found, an email alert is sent to you. Signing up with this job search platform enhances your chance of securing the type of employment you want.

The top 6 recruitment marketing tactics guaranteed to attract top talent

The top 6 recruitment marketing tactics guaranteed to attract top talent Recruitment marketing is a broad-based strategy that combines employer branding and time-tested marketing strategies with social media and technology to attract top talent to organizations. Often this type of marketing falls under the umbrella of the talent acquisition team- not simply to advertise a single job, but to also think bigger and attract talented candidates by increasing awareness of available jobs and improving how candidates view a company and its brand. Successful recruitment marketing can lead to better quality candidates and, in turn, better success for an organization overall.Chances are your organization already engages in some aspects of recruitment marketing, like posting on career sites or via social recruiting. Your company’s website likely even communicates its brand to prospective candidates for hire and clients. But recruitment marketing, as a forward-looking strategy, attempts to lay the groundwork for future hires by attracting talented candidates to the company before a particular job opens up. According to a survey conducted by Pandologic, â€Å"The State of Recruitment Marketing 2018,† top recruitment marketing performers take it one step further in two key areas: candidate engagement and use of a technology platform for recruitment marketing.So how can you turn your recruitment marketing from good to great?Cultivate a talent networkFirst and foremost, cultivate a talent network: a pool of talented candidates that may not actively be seeking jobs but will be potential leads for the next job you need to fill. Doing so will benefit your company and talent acquisition team by reducing time to hire.Hire internally whenever possibleLook at home whenever possible to cultivate talent from within. Nurturing talent within an organization has a dual benefit. Not only do you hire a known quantity and tested talent, but the practice also benefits the employer brand. A company that offers mobility within the organization and has a good retention rate of employees who fulfill their careers sends a good message to future job candidates and can be integral to both the brand and the workplace environment.hbspt.cta.load(2785852, '9e52c197-5b5b-45e6-af34-d56403f973c5', {});Engage candidates at each step of the hiring processThe key to better candidate engagement is personalization. That can entail tactics like â€Å"email lead nurturing,† which involves marketing the company to potential job candidates through targeted emails, or it can involve â€Å"career site personalization,† which targets specific groups of talent by understanding where and how a certain segment of job seekers actually search for jobs.More sophisticated than blanket posting on job sites, personalization requires a better understanding of specific groups of talent. For example, where and how do engineers look for jobs vs. where and how do truckers look for jobs? The answers for every group will be slightly different, and engaging a particular group will require some marketing analytics and even artificial intelligence. There are even sophisticated forms of technology like chatbots that can help engage candidates by answering questions or scheduling interviews as they advance through the hiring process.Use social media strategicallySocial recruiting is vital to recruitment marketing, as most candidates engage daily with social media. This is especially true as Millennials enter the workforce and become a prime demographic of jobseekers. Social media profiles and blogs can help you find the right talent for specific jobs, and can also provide an excellent source for targeted advertising for the right candidates.Turn to tech to streamline your jobMany aspects listed above require the use of tech and analytics in order to be truly effective. Technology platforms that incorporate a variety of these aspects into one comprehensive strategy can automate processes and create more effective targeted ads and contacts through job board distribution and social recruiting all while developing and responding to marketing analytics. Find the right tech that will most benefit your organization.Pay attention to your dataWhile it’s best to take a comprehensive approach and employ multiple recruitment marketing tactics, it’s also important to test out your weak spots, examine where your recruitment strategies could do better, and continue examining the effectiveness of your recruitment marketing. Looking at the data as a whole with a careful eye will help lead you to more effective hires in the future.

buy custom Critical Laws, Emerging Issues and Trends in Education essay

buy custom Critical Laws, Emerging Issues and Trends in Education essay In the modern education system, one of the critical laws affecting education is the law that every individual should access basic education. This is what has been referred to the right to education in the universally accepted declaration of human rights. In modern times, education is viewed as a basic necessity which every person should have. In many countries of the world, education has been made compulsory for children up to the age of 15 (primary education). Governments in these countries have also taken the responsibility of providing free education to their citizens up to a certain level in bid to fulfill the requirement of the law. One of the emerging trends in the education system today is wide use of technology as a tool and a means of teaching (Young, 1982). For example, it was traditionally known that the learners and the tutor would meet at a given physical location for larning to take place. Nowadays, technology has lead to emergence of distance education where learners and tutors who are located in different geographical places conduct learning without physical meeting. There are some instances where the learner and the tutor interact face-to-face through the internet. In other instances, learners make use of CD-ROM which has been prepared by their tutors either in audio format or audio-visual format. Technology is also being used in universities and colleges as a tool of learning where students use the internet to conduct their research or do their assignments. The facilitators are also using the internet to communicate learning requirements to their students. In other instances, technology has replaced the traditional method of lecturing whereby lectures are done through presentations via projections. In higher education, one of the emerging issues is the changing roles and identities of teachers and learners. Learning in institutions of higher education has become more of a collaborative process where teachers and learners share learning experiences. Learners are taking the roles which used to be primarily done by the teachers. Modern learning in higher education is characterized by peer reviews, external reviews and formative feedback among other methods of interaction between the teachers and the learners. From a personal perspective, what the educators can do in order to steer these trends is to accept the development of modern times in the education system. Educators should recognize that the world is changing and things are no longer done the traditional way. Therefore, educators should embrace the emerging trends in education and try as much as possible possess a positive mind in conducting modern day teaching. Buy custom Critical Laws, Emerging Issues and Trends in Education essay

Informative interview memo Essay Example | Topics and Well Written Essays - 750 words

Informative interview memo - Essay Example succeeded because he had interest on computers and really wanted to know more about programming in computer of which today, he is a profession in that area. My interest to visit Mr. Lyson, is because he had programmed a software for my father that he used in his general shop for recording of sales, profits and losses in that shop. The software functioned very well and interested many people including me. Because I am studying computer information and technology, that’s why I called for this meeting, in which he gave me several ideas to be successful in my study. He advised me to be serious in everything I learn and do. He told me to carefully listen and do what my lecturer will tell me to do and just follow simple instructions given, like he did during his time. He also told me that he has part time learning after job, where he meets with some students for computer study classes at his home. He advised me to join them for extra learning. Although he is qualified, he faces some challenges in his job. We discussed some of this challenges and how he avoids them whenever he meets them. In his company, they deal with computer repairs, software development and management. He gets a lot of orders from different companies requesting him to create some programmes and software for them. The great challenge that he gets in his company is lack of qualified workers. He don’t have enough workers to assist him develop his company. This is because there are no qualified people around to employ in the company. The reason of this is that people take computer programming to be very default lesson to learn. Most people don’t have interest on this study. To solve this problem, he decide to come up with an idea of building school, that is now under construction, to make people have interest and easier thee access of utilities this people require to study computers. Mr. Lyson repeatedly explained that, to be successful in anything you must be committed and have interest in

Why is a 'Frisk' Considered a Search and an 'Arrest' Considered a Coursework

Why is a 'Frisk' Considered a Search and an 'Arrest' Considered a Seizure - Coursework Example This is within the definition of a search which means the â€Å"examination of a person, place or vehicle for contraband or evidence of a crime† (Harr, Hess, and Orthmann 195-6). When a police officer pats-down a detained person in search for possible dangerous or illegal possessions, obviously, the detainee is just being searched. The person is not being taken into long-term custody --- or at least not yet. It could be a preliminary for an arrest, but as it is, the act of â€Å"frisk† is not a seizure. On the other hand, an arrest is is very much different from a mere frisk. First, an arrest requires the Miranda warning. This is because the detainee will undergo â€Å"maximum interference† (Harr, Hess, and Orthmann 232) that might seriously put at risk his freedom and privacy. A seizure is defined as â€Å"the taking by law enforcement or other government agent of contraband, evidence of a crime or even a person into custody† (Harr, Hess, and Orthmann 195 -6). ... Therefore, â€Å"all searches must be limited in scope† (Harr, Hess, and Orthmann 272). Provide your own definition of reasonable. => Several factors are at play when it comes to defining what is reasonable. The biggest factor to consider is that â€Å"reasonable† is something that is objective rather than merely subjective to a personal viewpoint. To view â€Å"reasonable† as subjective would not only create a chaotic definition, but would also provoke several infringements on the basic rights of an individual. Generally speaking, something that is reasonable should fall under two basic concepts: 1) meeting of fundamental constitutional rules, and; 2) fitting within permissible realms (Harr, Hess, and Orthmann 271). Obviously, anything that is deemed reasonable will be accepted in courts. Therefore, since the courts look at evidences based on â€Å"specific and articulable facts† and the â€Å"totality of the circumstances† (Harr, Hess, and Orthman n 282), what is considered â€Å"reasonable† should also fall under these definitions. The police officer must also consider his or her â€Å"training and experience† (Harr, Hess, and Orthmann 284) as factors that could help define what is reasonable for a specific situation. Discuss the advantages to obtaining a warrant. => One of the biggest advantages of obtaining a warrant is it â€Å"provides a presumption of reasonableness† (Harr, Hess, and Orthmann 272). Furthermore, since there is an â€Å"assumption that people have the right to be free from unreasonable searches and seizures,† obtaining a warrant frees the law enforcement officer from the burden of articulating probable cause in a warrantless

African history- railway strike in west French Africa Essay

African history- railway strike in west French Africa - Essay Example African nations have a dynamic history in the events of their colonial periods. Respective nations in Africa were under the rule of diverse colonialist nations. For instance, most of the West African nations were colonized by France. In most cases, the colonial regimes had predetermined capitalist interests. Therefore, they exploited Africans for cheap access of resources. West African was under the colonial regime of France. The colonial period in this region had significant historical events that defined the conflicting relationship amongst the French colonialists and the African natives. These significant events were documented by diverse scholars. Ousmane Sembene and Frederick Cooper were key writers that recorded the colonial events in West Africa. Sembene’s and Cooper’s literal productions have both similarities and differences. Similarities As denoted previously, the literal productions by Sembene and Cooper possess significant similarities. These documents are s imilar through their exploration of conflict and disharmonious interests of the French colonialists and the West Africa natives. Sembene produced his literal record of the colonial events in the form of a novel. He therefore inserts fictional characters and settings of the factual event in the colonial periods of West Africa. Through his text, Sembene explores the major conflict between the colonialists and the West African natives in diverse ways. Sembene defines the ramifications of a previous strike through the flashback of the character Naikoro1. She grieves in pain upon the consideration of her loss of her husband and the disappearance of her son. This flashback by old Naikoro portrays a heated conflict and antagonism that existed between the colonialists and the West African natives2. It is therefore evident that the native Africans had perceived the need for freedom long before the railway strike in 1947. They had premeditated the move of a strike in reference to the existent conflict with the interests of the French regime. In the event of the flashback, Naikoro becomes agitated by Bakayoko’s step-daughter. She had spoken French and Naikoro was irritated by this fact3. This tendency demonstrated by the character represented the resentment that native Africans had against the French regime. Cooper also demonstrated the conflict amongst the larger groups of West African natives and the French colonialists. Cooper produced an analysis of the events in colonial and post-colonial West Africa. His literal record of the events is factual and non-fictional. This article gives a comprehensive account and analysis of the events of the railway strike. It also factors in the eventualities of the railway strike in 1947. Cooper defines the strike as a result of the strong integration amongst the African communities4. The railway strike lasted for approximately five months and it was planned from the community level amongst the West African natives. This artic le therefore defines the West African communities as cohesive for the purpose of freedom attainment. Members of diverse communities reached a concrete agreement of paralyzing the railway operations. Therefore, this is an evident reflection of conflict and antagonism amongst the African natives and the French regime. The conflict is defined through the premeditation of West African communities to launch a railway strike in the quest for equality and freedom5. Sembene and Cooper present a growing trend of the rivalry between the French colonialists and the West African natives. They are in a conflict that tends to grow in the progression of time. This is a tendency that is described by both writers within their

Comparison paper between Forest Gump the book and Forest Gump the Essay

Comparison paper between Forest Gump the book and Forest Gump the movie - Essay Example Forrest Gump, the protagonist of Groom’s book is born in a family of modest financial background. His father worked at the docks as a longshoreman and his mother was an unassuming wife and mother. However, Gump’s loss of his father at an early age and his development as an individual with an IQ below the accepted levels of average intelligence, did little to add a cheerful backdrop to his growing up years. However, being the â€Å"half-wit† that he believed he was, he â€Å"ran† through every phase of his life, absorbing the opening and closing of events with the passive interest of a by-stander. The movie ‘Forrest Gump’ directed by Robert Zemeckis is a near-adaptation of the book by the same name and brings the character of Forrest to a virtual reality. Released in 1994 in U.S.A, this movie drew the attention of critics by the virtue of its unpretentious story-line and range of historical events that were instrumental in crafting a nation’s character. The movie thus became the peddle-pusher for the book and even though the book had earned a name for itself as a mantle-piece must-read, the film fuelled a collective societal interest in the phenomenon called ‘Gump’ in particular and 20th century American history in general. Even though the movie seems to follow the book’s story line in terms of character development and event sequence; however, there are several discrepancies between the original work and the adaptation. Whether, these dissimilarities occurred owing to the requirements of artistic adaptation or it was the handiwork of an astute director to cater to the masses, remains to be discussed. The main character, Forrest Gump, in the book is described as a six foot six inch strapping young lad at 16 who weighs 242 pounds. However, in the movie, Gump comes across as an individual with average height and a rather scrawny built as a young boy. The young Gump’s leg braces as shown in the movie are never

Euthanasia Essay Example | Topics and Well Written Essays - 500 words

Euthanasia - Essay Example In the two scenarios, the doctors argue that the actions were in the best interests of the patient. Legalizing involuntary euthanasia is likely to be opposed by law enforcers for many reasons. One of the reasons as explained by Lafollette is that people may shy away from hospitals and trained medical experts for fear of being killed against their wishes. Another reason for denial of legalizing it is the fear that unconscious persons will be terrified to be taken into hospitals and be killed against their will. These reasons have made it hard for euthanasia to be legalized because of the possibility that people may avoid hospitals whenever they get life threatening ailments. Based on a poll conducted on April 8th to 11th in 2005 by the Polling Company, 15% of interviewed persons agreed that doctors should be allowed to withhold life support machine, 77% said patients should be able to get the life support machine while the remaining 8% are undecided. With these results, it only shows how difficult it will be when it comes to legalizing euthanasia because it is clear that many people are opposed to its legalization. Many people believe that life is sacred and the strong argument that is favored, in my opinion, is that life is inviolable and it is wrong to take it away from someone without his or her consent. The suffering of one person does not give the other the right to help him or her die. I believe nature should be left to take its course. The responses are shown in the table below.

Comparison paper between Forest Gump the book and Forest Gump the Essay

Comparison paper between Forest Gump the book and Forest Gump the movie - Essay Example Forrest Gump, the protagonist of Groom’s book is born in a family of modest financial background. His father worked at the docks as a longshoreman and his mother was an unassuming wife and mother. However, Gump’s loss of his father at an early age and his development as an individual with an IQ below the accepted levels of average intelligence, did little to add a cheerful backdrop to his growing up years. However, being the â€Å"half-wit† that he believed he was, he â€Å"ran† through every phase of his life, absorbing the opening and closing of events with the passive interest of a by-stander. The movie ‘Forrest Gump’ directed by Robert Zemeckis is a near-adaptation of the book by the same name and brings the character of Forrest to a virtual reality. Released in 1994 in U.S.A, this movie drew the attention of critics by the virtue of its unpretentious story-line and range of historical events that were instrumental in crafting a nation’s character. The movie thus became the peddle-pusher for the book and even though the book had earned a name for itself as a mantle-piece must-read, the film fuelled a collective societal interest in the phenomenon called ‘Gump’ in particular and 20th century American history in general. Even though the movie seems to follow the book’s story line in terms of character development and event sequence; however, there are several discrepancies between the original work and the adaptation. Whether, these dissimilarities occurred owing to the requirements of artistic adaptation or it was the handiwork of an astute director to cater to the masses, remains to be discussed. The main character, Forrest Gump, in the book is described as a six foot six inch strapping young lad at 16 who weighs 242 pounds. However, in the movie, Gump comes across as an individual with average height and a rather scrawny built as a young boy. The young Gump’s leg braces as shown in the movie are never

Contemporary Issues in Global Business Management Essay

Contemporary Issues in Global Business Management - Essay Example It is also found that Cathay Pacific is making sincere and earnest efforts towards sustainable business model, while also contributing to the social and environmental causes. Corporate Social Responsibility is also variously addressed as Corporate Citizenship, Corporate Responsibility, Global Citizenship, and Corporate Philanthropy. The definitions put forward by various organizations try to explain the concept using different terminology. As such there is no universal definition of CSR. However, different definitions of CSR carry a similar import and are same in extent and scope. The channelling of corporate resources towards community well-being through discretionary business practices is called Corporate Social Responsibility. CSR is to carry out business processes in a manner that exceeds the legal, ethical, commercial and public expectations that society has of business. Through CSR, companies integrate social and environmental concerns in their business operations and in their interaction with their stakeholders on a voluntary basis. CSR aims for well-being of employees, customers, stakeholders and society in which it operates. According to EU Commission (2002) as cited in Hopkins (1998), CSR is voluntary action exercised by the companies to make their businesses socially and environmentally sustainable. CSR is voluntary integration of social and environmental concerns with business operations (CEC in: Worthington et al., 2003). The World Business Council as cited in Hopkins (1998) introduces the notion of ethics in corporate social responsibility best practice. It is described as a commitment to behave ethically and contribute to the economic development and quality of life of the workforce, local community, and the society at large. Airlines provide air transport services for passengers and freight. Airlines operate internationally or nationally as scheduled services or charters. Airline companies

Russian Cuisine Essay Example for Free

Russian Cuisine Essay Food traditions are vary around the globe. Some people start the day with a heavy breakfast, some eat a light breakfast, well for me I dont even eat breakfast sometimes. Others have a heavy lunch or heavy supper. Russians have a long cultural history that stretches back centuries. Their food traditions are not that different from many other European cultures, but they do have their differences. Breakfast Generally, a traditional Russian breakfast is warm and healthy. Most Russians start the day with fine, rich and diverse foods. Porridge is one of the more popular traditional Russian breakfasts. Its quick and easy to make, and can be blended with fruits. Porridge goes well with other breakfast foods such as eggs. Eggs are served scrambled or fried and often are used in sandwiches with meat. Pancakes with butter, sour cream or jam are popular. For drinks, fairly strong coffee or tea is served. Lunch Lunch is similar to many European cultures that call for a heavy lunch during the busiest time of the day to keep energy levels high. A three-course lunch is traditional in Russia. Soup usually begins the meal. Traditional Russian soups include borscht, solvanka, rassolnik, okroshka, and mushroom soup. After soup, a meat dish is served. Popular meat dishes include beef goulash, stroganoff, pork chops, goose with apples, and stuffed cabbage rolls. The meat dish is served with salads and a large side dish. A traditional Russian side dish may include potatoes, pasta or porridge. Potatoes are fried and heavy, and the porridge usually is made of buckwheat. Dessert is light; it often is a glass of tea or a piece of fruit. Midday Snack A midday snack (or poldnik) is an important part of Russian tradition. Its typically eaten after or at the end of work to hold one over until supper time. A traditional poldnik consists of a collection of fruit, or fruit salad, combined with cake, crackers or toast. Its typically something light and healthy. However, more modern poldniks consist of variety of foods, such as coffee and a sandwich or a light salad. Supper In Russia, supper time is when the family sits down, relaxes and talks about the day. The structure of supper is similar to the structure of dinner, but there usually is no soup. Similar meat dishes are eaten at supper, and the side dish is similar. However, supper is the time when Russians pay more attention to dessert. Traditional Russian desserts range from various pancakes, rasstegai and kulebiakato ice cream, fruits and tarts. Night Snack After supper but several hours before bed, Russians enjoy a light evening snack. Most of the food and calories for the day have been eaten in earlier meals. A light night snack keeps people going until bedtime. A night snack is something such as yogurt or kefir. Fruit also is a common night snake. Thankyou (bo ga de lu)

Relationship between Introversion and Depression

Relationship between Introversion and Depression The World Health Organization (WHO) reports that depression is the leading cause of disability worldwide. As a psychological disorder, depression affects more than 350 million people all over the world. Studies reveal that some people are more prone to depression, including those with introverted personalities. Characterizing an Introvert Introverted people are energized by the inner workings of their minds. They thrive on their own thoughts and ideas. Although they can be social and talkative in the company of close friends, introverts are generally quiet, especially in the presence of strangers or when they are in large groups. Introverts are observant and learn from what they see. It takes longer for them to make decisions because they are trying to process all the information within themselves. Unlike extroverts, who tend to be invigorated by other people, an introverts energy is generally drained by socializing; thus, their preference to spend time alone in order to recharge. This natural interest in solitude is one of the most common traits of introverted individuals. Often, it is seen as part of the behavior that makes them prone to depression. An introvert characteristically avoids social interaction and prefers to spend time alone or in the company of a few people. This, however, is not a negative trait indicative of antisocial behavior. Simply put, it is a personality trait typified by introspection. Many times, introversion is considered the same as shyness, but the two are not necessarily associated; a shy person may be either introverted or extroverted. The Health Risks of Introversion Being an introvert often leads to a better understanding of the world. Unfortunately, introversion is not without its negative points. Award-winning mental health journalist and author John McManamy wrote that introverted behavior may lead to isolation and depression. As an introvert diagnosed with bipolar disorder, McManamy knows the topic very well. The tendency of introverts to isolate themselves makes them more susceptible to emotional health issues. Introverts often feel that people perceive them as odd or weird, and inability to speak up about their physical health problems may lead to a poor state of health or failure to get access to the best standard of care. Research indicates that introverted people have weaker immune systems than their extroverted counterparts. The Relationship between Introversion and Depression It is normal for anyone to have either an extroverted or introverted personality. Extroverted individuals may have lots of friends and be more action-oriented, while introverts prefer solitude and contemplation. This is not a sign of a personality disorder. However, studies confirm that introverts are at higher risk for depression. A study in the Journal of Psychiatric Research found that the population of those with depression is 74 percent introverts. Another study suggested that introverts have lower psychological well-being and are more likely to engage in self-harming behavior. The same conclusions were published in an article in Current Psychiatry Reports, citing Dr. Janowskys scientific research on the persistence of depressive symptoms due to increased introversion. As a matter of fact, the American Psychiatric Association added introverted personality disorder   to their Diagnostic and Statistical Manual (DSM) more than 30 years ago. For decades, the World Health Organization has also been including introverted personality in its manual, the International Statistical Classification of Diseases and Related Health Problems (ICD-9 CM). Overcoming Depression as an Introvert The studies associating introversion with depression do not mean that other personality types cannot develop the condition. Depression is a condition that you should not be ashamed of. You cannot be blamed for being depressed, just as you would not blame people for having other medical issues. If you are an introvert, there is nothing wrong with you. Your penchant for isolation may, however, trigger a depressive condition. Its true that depression is manageable, but your introverted tendencies can make it difficult to reach out for help because you prefer to stay in your head. Keep in mind that you cannot just will yourself out of depression. It is not something that disappears on its own. Depression requires treatment. You dont need to suffer in silence. If you believe that your introverted behavior has become a gateway to depression, you can rise above the gloom. Recognize your need for professional care and seek out the right-fit therapist independently contracted with Carolina Counseling Services in Pinehurst, NC. Counseling can help you adjust better when your introverted personality is prone to depression. Call now to request an appointment.

Free Speech -- essays research papers

The Constitution of the United States states in its First Amendment that "Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the government for a redress of grievances" (Funk & Wagnalls 162). This Amendment guarantees each person of free speech. Does this mean that a person can stand in the middle of the street and yell anything he wants? No, society, even though it cherishes freedom of speech, does give this freedom certain restrictions. Why does society find it necessary to restrict freedom of speech? Does this ensure a more controlled society? Let us imagine a society that has no restrictions of speech. For example, anyone can publish a false story of another person, just for revenge perhaps, and the offended person would not be able to defend himself because there is no restriction of speech. A neighbor in a residential area decides to use a loud microphone to announce his beliefs in the middle of the night, and wakes everybody up. Because that person has every right to speak, nobody can do anything. Even though this is "freedom of speech" it is not allowed in a civilized society. Free speech is a very controversial issue because who is really the one to decide what can or cannot be expressed. The freedoms stated in the First Amendment have been controlled for the prot...

Search for Identity in the Poetry of Langston Hughes Essay -- American

Search for Identity in the Poetry of Langston Hughes In exploring the problem of identity in Black literature we find no simple or definite explanation. Nevertheless, it is generally accepted that it is rooted in the reality of the discriminatory social system in America with its historic origins in the institution of slavery. One can discern that this slavery system imposes a double burden on the Negro through severe social and economic inequalities and through the heavy psychological consequences suffered by the Negro who is forced to play an inferior role, 1 the latter relates to the low self-estimate, feeling of helplessness and basic identity conflict. Thus, in some form or the other, every Negro American is confronted with the question of `where he is' in the prevailing white society. The problem of Negro identity has various dimensions like the color, community and class. The inescapable reality of the Negro existence in America is color which is inherent in the concept of self, manifest in race-consciousness.2 This is significant because a Negro establishes his identity with other individuals, known or unknown, on the basis of a similarity of color and features, thus making his racial group membership the nexus of his self identity.3 In 1915, the Association for the study of Negro life and history made special endeavours to convince the Negroes that they could never acquire respectability in society if they despised their history and looked upon themselves as inferior. It was felt that "the American Negro must remake its past in order to make his future."4 After the Negro began to search his identity in the glorious past-his heritage and his folk tradition, he began to feel proud of his black wholesome colour. La... ...hes, "One." Selected Poems (New York: Alfred A. Knopf, 1979), p. 92. Langston Hughes, "Bound No'th Blues." Selected Poems (New York: Alfred A. Knopf, 1979), p. 174. Langston Hughes, "Vagabonds." Selected Poems (New York: Alfred A. Knopf, 1979), p. 91. Langston Hughes, "Merry-Go-Round." Selected Poems (New York: Alfred A. Knopf, 1979), p. 194. Langston Hughes, "I, too, Sing America." Selected Poems (New York: Alfred A. Knopf, 1979), p. 275. Langston Hughes, "New Song", A New Song (New York: International Workers Order, 1938), p. 25. Langston Hughes, "The Black Man Speaks", Jim Crow's Last Stand (Atlanta: Negro Publication Society, 1943), p. 5. Langston Hughes, "Freedom," Jim Crow's Last Stand (Atlanta: Negro Publication Society, 1943), p. 7.

Cost Calculations – Managerial Accounting

Problem 1 Page 40 a- Cost of goods manufactured = Direct cost + Indirect cost = [Direct Cost of Material + Direct Cost of Labor] + [Indirect Cost of Material + Indirect Cost of Labor + Utilities Overhead] = Total Cost of Material + Total Cost of Labor + Utilities Overhead = 120,000 + 90,000 + 40,000 = $ 250,000 b- Total Cost of Operation = Cost of goods manufactured + Selling, General admin. and expenses. = 250,000 + 60,000 = $ 310,000 c- Prime Cost =Direct Material Cost + Direct Labor Cost 80,000 + 65,000 = $ 145,000 d- Conversion Cost = Direct Labor + Factory Overhead = Direct labor + [Indirect Material + Indirect Labor + Utilities Overhead] = 65,000 + 40,000 +25,000 + 40,000 = $ 170,000 e- Product Cost = Cost of goods manufactured = $ 250,000 f- Period Cost = Selling, general admin. and expenses = $ 60,000 g- Unit Cost = Total Cost of goods manufactured/Number of unit product = $ 250,000/10,000 = $ 25 per unit Problem 2 Page 40 a- Cost of goods manufactured Total Cost of goods put into production + [Difference between Beginning & Ending work-in-process] = [Total Direct Cost + Factory Overhead Cost] + [25,000-10,000] = [Direct Material Cost + Direct Labor Cost + Factory Overhead Cost] + 15,000 = [95,000+110,000+70,000]+15,000 = $ 290,000 b- Cost of goods sold = Cost of goods manufactured + [Difference between Beginning & Ending finished goods inventory] = 290,000 + [(30,000)] = $ 260,000 c- Net Income or Loss = Sales – Cost of goods manufactured – Selling , general admin. and expenses = 300,000 – 260,000 – 75,000 = ($ 35,000) ; Net LossExercise # 1 Page 43 Direct Material Cost = $ 8,000 Indirect Material Cost = $ 2,000 Direct Labor Cost = $ 3,500 Indirect Labor Cost = $ 1,500 Factory Overhead = $ 5,000 Selling Expenses = $ 7,500 General admin. Expenses = $ 8,500 a- Cost of goods manufactured = Total Direct Cost + Total Factory Overhead = Total Direct Cost + [Total Indirect Cost + Factory Overhead for heat, light and power] = 8,000 + 3,500 + 2,000 + 1,500 + 5,000 = $ 20,000 b- Total Cost of Operation = Cost of goods manufactured + Selling, general and admin. expenses = 20,000 + 7,500 + 8,500 = $ 36,000Exercise # 2 Page 43 Direct Material Cost = $ 25,000 Indirect Material Cost = $ 5,000 Direct Labor Cost = $ 30,000 Indirect Labor Cost = $ 4,500 Overhead [excluding indirect material & labor Costs] = $ 15,000 a- Prime Cost = Direct Cost = Direct Material Cost + Direct Labor Cost = 25,000 + 30,000 = $ 55,000 b- Conversion Cost = Direct Labor Cost + Total Overhead Cost = Direct Labor Cost + Indirect Material Cost + indirect Labor Cost + Overhead Cost [excluding indirect material & labor Costs] = 30,000 + 5,000 + 4,500 + 15,000 = $ 54,500 c- Product Cost = Cost of goods manufactured Total Direct Cost + Total Indirect Cost + Overhead Cost[excluding indirect material & labor Costs] = 55,000 + 9,500 + 15,000 = $ 79,500 Exercise # 5 Page 44 75,000 unit/year Beginning work –in- process = 0 Ending work –in- process = 0 Total Cost of goods manufactured = $ 300,000 Number of sold units = 59,000 Number of non sold units = 14,000 Number of loss = 2,000 Beginning finished goods inventory = 0 a- Expenses was for the year; Cost of each unit = $ 300,000/75,000= $ 4 per unit Expenses (Not sold units) = 14,000 * 4 = $ 56,000 b- Loss was incurred for the year; = 2,000 * 4 = $ 8,000 – Assets to be recorded as finished goods inventory was for the year; = 59,000 * 4 = $ 236,000 Problem # 2 Page 47 Beginning work-in-process $ 5,000 Ending work-in-process $ 6,200 Direct material cost $ 8,900 Direct Labor cost $ 10,000 Factory overhead $ 15,000 Beginning finished goods inventory $ 12,000 Ending finished goods inventory $ 22,000 Sales $ 37,500 Selling and general expenses $ 17,000 a- Cost of goods manufactured = Cost of production + [Difference between Beginning & Ending work-in-process] = [Direct Material Cost + Direct Labor Cost + Factory Overhead Cost]+ [(1,200)] = 8,900 + 10,000 + 15,000 + [( 1,200)] $ 22,700 b- Cost of goods sold = Cost of goods manufactured + [Difference between Beginning & Ending finished goods inventory] = 22,700 + 10,000 = $ 32,700 Problem # 4 Page 48 Sales $ 945,000 Beginning work-in-process $ 75,000 Ending work-in-process $ 60,000 Beginning finished goods inventory $ 35,000 Ending finished goods inventory $ 54,000 Direct material cost $ 176,000 Direct Labor cost $ 250,000 Factory overhead $ 237,500 Selling Expenses $ 55,000 General and admin. expenses $ 117,000 a- Cost of goods manufactured Cost of production + [Difference between Beginning & Ending work-in-process] = [Direct Material Cost + Direct Labor Cost + Factory Overhead Cost]+ [15,000] = 176,000 + 250,000 + 237,500 + [15,000] = $ 678,500 b- Cost of goods sold = Cost of goods manufactured + [Difference between Beginning & Ending finished goods inventory] = 678,500 + [(19,000)] = $ 659,500 c- Net Income or Loss = Sales – Cost of goods sold – Selling expenses – General an d admin. expenses = 945,000 – 659,500 – 55,000 – 117,000 = $ 113,500 Net Income

Dr. Linda

â€Å"Your food is your grave,† said the famous writer Bernard Shaw. What you eat is not important. How you eat, what you eat is important! Human being is a complex, integrated mechanism of body, mind and spirit. You need to maintain them at the levels required. A fault related to any one of the three, disturbs the balance of the body as a whole. Careful maintenance as per proper procedures is required. You are careful about the external cleanliness. You brush your teeth; wash your body, oil your hair—but that is not the authentic maintenance. Your body needs to be free from internal impurities. This is done through the process of detoxification. The modern materialist civilization, the industrial and internet revolutions have changed the lifestyles of human beings in more than one ways. They are subdued by relentless internal as well as external pressures. New diseases, the names of which were unheard in the recent past, are cropping up. The book ‘Detoxification’ by Linda R. Page provides solid answers and satisfactory for your health-related problems– How to remain healthy, without succumbing to suppressive medicines and by cultivating nature-friendly attitudes! An herbalist needs to know, and this is a golden rule, that the nature provides appropriate fruits and vegetables at the appropriate season. Dr. Linda expounds the same principles in her book.   Nature doesn’t commit a mistake but we often do. Fruits and vegetables are the mediated capsules provided by nature in colorful packaging. The process of detoxification ipso facto means to possess thorough knowledge and understanding about this natural wealth. Next, the herbs assist you in the process of detoxification. Dr. Linda gives thorough and scientific details about the detoxification process related to various parts of the body, by using fruits, vegetables and herbs. Dietary plans play a vital role in recouping the original health from the attack of any ailment. Strict vegetarian diet is recommended, one week before you begin the detoxification procedure, advises Dr. Linda. Dr. Linda has the three-pronged approach, which is invaluable from the point of view of a practicing herbalist. Firstly, she has provided comprehensive information required to create safe and individualized detoxification program. Secondly, detailed instructions are given for cleansing and detoxification. Thirdly, she explains what a good cleanse means and how to direct the cleaning process for best results. Cleansing is an ongoing activity. It is estimated that about twenty-five thousand new toxins enter the environment every year. Therefore, your commitment to your body is not a favor that you are doing to it—it is your bounden duty for your own good and for the happiness of others, so that they will not have an opportunity to tend your sick body! According to Dr.Linda, â€Å"a detox program aims to remove the cause of diseases before it makes us ill. It’s a time-honored way to keep immune response high, elimination regular, circulation sound, and stress under control, so that your body can handle the toxicity it encounters. In the past, detoxification was used either clinically for recovering alcoholics and drug addicts, or individually as a once-a-ear mild â€Å"spring cleaning† for general health maintenance. Today, regular detoxes program, two or three times a year, makes a big difference not only for health, but for the quality of our lives.†(Page, 1999, p.14) From the point of view of an herbalist, this book contains most of the information and facts such as step by step instructions to guide through detox programs detox charts for special needs, information about â€Å"Green Cuisine†, herbs glossary of detox terms etc. Something dramatic and divine happened about Dr. Linda Page opting to become an herbalist.   She was interned in a hospital with a life-threatening disease, which the allopathic medicines failed to cure. She utilized this opportunity to make intensive study of the herbs, their merits and began to self-treat her with great success. She saved her own life and with the acquired knowledge, she is set on the task to save the lives of others. If an area is infested with mosquitoes, there are two ways of meeting the situation. Spray the insecticide and get rid of the mosquitoes. Or remove the filth, to contain mosquito breeding once for all. The second option finds favor with those who believe in natural remedies. Detoxification, to define its correct meaning, is nothing but all-out purification of body, mind and soul. Dr Linda begins her book on a moral and spiritual note and that is the correct and great approach. She writes, â€Å"Today is a very important day†¦.use it for the best that is in you, so that you will never regret the price you have paid for this day.† References Cited: Page, Linda R: Book: Detoxification – All you need to know to recharge, renew and rejuvenate your body, mind and spirit! (Paperback) 264 pages, Publisher: Healthy Healing Publications (January 15, 1999) Language: English ISBN-10: 1884334547 ISBN-13: 978-1884334542            

BrandAnalysis Essay Example | Topics and Well Written Essays - 1000 words

BrandAnalysis - Essay Example Brand Promise The promise that Starbucks makes is that the customer will get perfect coffee every single time, just the way the customer wants it. Starbucks maintains its own coffee bean farms to make sure the beans will be exactly as required for the coffee products that Starbucks makes for its customers. This means that coffee made around the world in different Starbuck stores, also caters to the local population and culture and, therefore, builds its coffee drinks to suit the customers, but still not deviate from Starbucks core values. As an example, Starbucks put out a notice about the new espresso promise in Dubai, U.A.E. that each cup of coffee will be perfect. Additionally, Starbucks also launched the Starbucks ® Blonde Roast which is comprised of the world’s best Arabica beans to provide a lighter coffee that still provides the best of Starbucks’ coffees but with a more mellow taste (Starbucks Newsroom, 2012). Brand Personality The Starbucks brand personality is one projecting a place where you can purchase your coffee and then sit down in the store, relax, chat with friends, while drinking your coffee and maybe have breakfast or lunch at the same time. All Starbucks stores promise to provide clean, and restful stores with plenty of sitting room, should customers need it. Starbucks projects an image of a business, run by people who care about your needs and desires, and will work to see that you get what you want. The idea is to give customers a place away from home to relax, but feel just as comfortable as if they were still home, short of being still in one’s pajamas. Brand Values The value the Starbucks Corporation promotes is that it builds on its values and that it is important to do the right thing. Starbucks is heavily invested in the communities where the stores across the world are located. This year, two stores, one in Los Angeles, California and one in Harlem, New York, will see profits put back into its community for d evelopment purposes. Additionally, Starbucks, rather than sending jobs overseas, will open a new roasting facility for its VIA instant coffee product, creating nearly 200 new jobs in Augusta, Georgia. CEO Howard Schultz also has created the ‘Jobs Initiative Program’ which already has raised millions of dollars from 600,000+ customers that will go to a network of loan sources for small businesses. Plenty of similar actions have also taken place around the world, creating a persona of goodwill ambassador for the American people (Gray, 2012). Brand Attributes Starbucks brand attributes are reflected through the different types of coffee drinks created for its diverse consumer base. Additionally, store baristas are trained to provide information on all aspects of the coffee beans used in any coffee drinks and know how to make every drink currently on the menu. Other attributes also include the customer service involved, such as the Starbucks Rewards Card, which records the drinks purchased over time and after about 10 to 15 drinks, customers can get a free drink or are allowed extra creams and other ingredients. With the Starbucks Card, the company is also able to keep in constant contact with customers through surveys and advertising promotions. It’s main attribute is showing the customers that Starbucks cares and wants to know everything possible about how to please the customer.

The Boy scouts of America Essay Example | Topics and Well Written Essays - 1250 words

The Boy scouts of America - Essay Example This study will seek to enlighten how BSA attains its objectives of character and citizenship development and answer questions on how it promotes citizenship. Insights will come from the BSA handbook that has written its guidelines for membership and other related information. The BSA Handbook of 1965 [2] has been reviewed to arrive at a relationship in the development of citizenship. I have found out in the handbook important basic things that shape the character of an individual to become a responsible citizen. The handbook details the character development of BSA members. It explains opportunities of being close to nature; becoming a leader and member of a group; knowing how to survive; and fortifying their oaths to be always prepared, and be able to serve. It is not all about having fun, but of instilling values and training to become responsive and being a good citizen at an early age. Instilling values and training should begin at an early age. This is also the age where boys from 11 to 17 years old are invited to join the boy scouts movement. Boy scouting movement has been designed to strengthen one’s character, physical fitness and good citizenship. The program includes outdoor activities, peer group leadership opportunities, exploration of hobby, career and special interests. a. What does the BSA concept means in the context of its use within BSA and citizenship; or what form of citizenship is being promoted to the broad construction of juridical and socio-political citizenship? Immigrants of all races are attracted to enter the USA. As such, inter-racial integration in the society emerged. Two classes of world citizen have come to the corridors of America, and are classified as the juridical and socio political citizen. A juridical citizen [3] is someone who has gained immigrant status and has lawfully entered the US. Socio-economic citizen applies to investors, business

Fences by August Wilson Essay Example | Topics and Well Written Essays - 1500 words - 1

Fences by August Wilson - Essay Example lives of the black Americans in the 1950s into the limelight, most especially regarding the concept of discrimination, which faces the black American first hand, may it be in the employment or the sports sector (Bogumil, 34). The discrimination starts with Troy himself, who is an excellent baseball player, but owing to his race, he never gets to be paid well for his talents. Despite the fact that he is a bit older for a professional baseball player, at the age of 53, Troy Maxson is mostly discriminated against due to his black race (Wilson, 22). Consequently Troy harbors the resentment inside him throughout his life, and at some point the resentment towards other races that discriminated against the black makes Troy prohibit his son Cory from engaging in professional football, despite the fact that he has a talent (Menson-Furr, 98). It is Troy Maxson’s fear that his son will also be discriminated against, and he would not want his son to go through the same experiences that he had to go through as a baseball player. The play, Fences, portrays many aspects of the society refusing to play within the limits of the fences established around social morals, but rather the tendency to cross over the fence and invade the territory of others, in a way that serves to damage the lives of the individuals whose lives are intruded (Wilson, 36). The ethical, moral and even legal norms would demand that talent should be the basis of benefitting an individual, where an individual with a better talent will earn more out of the talent, than an individual with less talent in the same field. However, the society has crossed over these norms and invaded the boundaries of social talent, by introducing discrimination as a factor that defines the way individuals benefit from their talents. Thus, despite the fact that Troy has a good baseball talent, he only earns menial pay from his talent, which is not the same with other individuals from other races, who have access to good teams and

Family Essay Example | Topics and Well Written Essays - 500 words - 8

Family - Essay Example As an institution for socialization, a family provides the necessary knowledge to the growing individuals in the family to help them to understand their social and physical environments. Other roles of the family are to provide security to the individuals as well as to ensure that they provide the needs of each of its member to enhance their life (Brownfield, 2010). One of the conceptual frameworks for the family assessment is the Neuman’s systems model, which is used as a guide to assessment and intervention of a dysfunctional family and help in streamlining the conditions that are failing in a society and that need attention for proper functioning of the whole unit. This helps to implement a therapy that is focused on all the family members to ensure that the intervention program is successful in the society in curbing an issue that arises at the family level. This model incorporates all the members of the family in the implementation in order to ensure that it achieves the best results in the society to address an occurrence that can be perceived harmful the people (Parker & Smith, 2010). In the society, there are usually community-based services that are aimed at promoting the health of individuals in that particular society and ensure smooth running of the society. Some of these services serve the community by preventing disease and injuries, improving the health status of the society and also they enhance the quality of life of people (Gregitis et al, 2010). These services include such like coordinated school health program which facilitate health for different members of the school as well as the child and adolescent mental health program that help to address issues of children and youth mental health stability (Baggett et al 2010), In US, the Child and adolescent mental health is a popular community-based program that runs in the society and which has helped

Project Report communication barrier at 2 sister foods group Essay

Project Report communication barrier at 2 sister foods group scunthorpe - Essay Example Employee performance declines sharply and employers lose the employee confidence because of communication barriers. Inadequate verbal and non verbal communication results in bitterness and a significant gap between the employees and employers. Communication barriers must be identified in order for effective communication to happen. In the food industry, business processes heavily relies on communication. Understanding communication barriers leads to enhancing communication. This paper aims at investigating the communication barriers at 2 sisters Food group and identifying how communication can be improved in a multicultural organization. The research also aims at pointing out the impacts of communication barriers to the productivity of the business and general operations. Communication barriers affect the relationship between employers and employees. The food industry sector employs a significant number of people. The success of the industry depends of communication effectiveness. In this context, communication is viewed as meaningful interaction among the people in an organization. This interaction results in the meaning being perceived and understood by the parties. This process can be interrupted by a variety of barriers resulting to business failures. Improved communication depends on the elimination of the communication barriers. The literature review is dedicated to having a deeper and better understanding of various theories and models that guide the phenomenon of communication. It could therefore be said that the literature review is being undertaken as a form of conceptual framework on communication to have a better understanding of existing models of communication and selecting the most appropriate model that can be instituted at 2 Sisters Foods Group Scunthorpe. After a thorough analysis of various models of communication, the constructionist model is

Imperialism Essay Example for Free

Imperialism Essay One negative effect imperialism had been that the Africans were being stripped of their land. In document 4 an African proverb states that â€Å"the whites† had taken their land and changed their faith, displaying the amount of power â€Å"the whites† have. Europeans first sent out missionaries to spread their religion to these non-industrialized countries. After the Europeans have set their religion in they would bring in the big guns and take their land. A West African nationalist, Sekou Toure, describes how imperialists look down upon Africans as savages who couldn’t rule and absorbed colonies into their empire, his purpose for the document was possibly to unite people against the whites. The imperialists would basically bully weaker countries until they lacked self-confidence and just eventually give up their land. Once the imperialists absorbed these colonies they would use their raw materials to support their industrialization back at their homeland. Although it appears that Africans being stripped of their land is a negative effect, a journal containing entries about country invasion by a military officer would help to clarify whether this is true. Another negative impact imperialism had been the exploitation of Africans for work. An unknown artist drew a picture of an Asian man and an African man pulling a military officer in a wagon to show the power that European nations have above others. Bigger/more powerful nations are taking advantage of the people settled in lands that aren’t industrialized or as rich. David Diop displayed how â€Å"The White Man† takes advantage of in Africans in An Anthology of West African Verse that describes the death of his father and brother and his mother being raped. In the second to last line Diop called â€Å"The White Man† the â€Å"Conqueror† because he truly did conquer Diop’s family and freedom. The â€Å"Conqueror† left Diop with nothing except forcing him into slavery. A German cartoon titled â€Å"Thus colonize the English† shows a man in uniform squeezing coins out of an African while another man is feeding the African water and a priest preaching in the background. The purpose of this illustration is to show the only value/importance an African American has is for its use of labor. Europeans see indigenous people as a way for them to make money. Mistreatment and forcing religion onto these people was common in order for them to have â€Å"power† of them. Although it appears that Africans were exploited by imperialist Europeans for work, a survey of the amount of pay African workers receive and their type of labor would help to clarify whether this is true. Imperialism did bring out a positive effect that was that the industrialized European nations and non-industrialized, agricultural societies both benefited from each other. O. P. Austin, the author of â€Å"Does Colonization Pay†, described how imperialism benefits progressive nations and the tropic colonies. This was written to persuade/inform the skeptics or people against imperialism. The positive effects would be that if the tropic colonies allowed the progressive nations to control garden spots then in return they would build schools and roads. These progressive nations claimed that they gave â€Å"these people the benefit of other blessings of civilization which they have not the means of creating themselves. † The document Imperialism and World Politics by Parker T.  Moore explains the different groups of people involved in imperialism to show the chain of command/importance. Imperialism involves more than just the military that take over the land, manufacturers have interest in colonial markets, and bankers are the most important because the money used for loan to build ships and railways. Although it appears that both nations benefitted from imperialism, newspaper articles from both nations about the status of their economy and politics would help to clarify whether this is true.

Standard Chartered Bank in India Analysis

Standard Chartered Bank in India Analysis Executive Summary The competition in the banking sector is increasing at a tremendous rate. MNC banks in India are doing well in India and Standard Chartered Bank being one of them wants to increase the consumer base. Therefore, it is trying to do this through retail banking. At this point of time the bank is expanding and is coming up with new branches all over India. It has recently opened a new branch there and if yes then how it can acquire new Customers. In two months time I was supposed to promote and sell their products (especially deposits) and to do a market study to know customers needs and requirements so that bank can improvise on them if possible. This time period was not enough to do an intense study. Therefore, I could collect limited data and kept my study limited to small a sample INTRODUCTION An overview of SCB Standard Chartered is the worlds leading emerging markets bank. It employs 29,000 people in over 500 offices in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, United Kingdom and the Americas. The Bank serves both Consumer and Wholesale banking customers. The Consumer Bank provides credit cards, personal loans, mortgages, deposit taking activity and wealth management services to individuals and medium sized businesses. The Wholesale Bank provides services to multinational, regional and domestic corporate and institutional clients in trade finance, cash management, custody, lending, foreign exchange, interest rate management and debt capital markets. With 150 years in the emerging markets the Bank has unmatched knowledge and understanding of its customers in its markets. Standard Chartered recognizes its responsibilities to its staff and to the communities in which it operates A brief history of Standard Chartered Standard Chartered is the worlds leading emerging markets bank headquartered in London. Its businesses however, have always been overwhelmingly international. This is summary of the main events in the history of Standard Chartered and some of the organizations with which it merged. The early years Standard Chartered is named after two banks, which merged in 1969. They were originally known as the Standard Bank of British South Africa and the Chartered Bank of India, Australia and China. Of the two banks, the Chartered Bank is the older having been founded in 1853 following the grant of a Royal Charter from Queen Victoria. The moving force behind the Chartered Bank was a Scot, James Wilson, who made his fortune in London making hats. James Wilson went on to start The Economist, still one of the worlds pre-eminent publications. Nine years later, in 1862, the Standard Bank was founded by a group of businessmen led by another Scot, John Paterson, who had immigrated to the Cape Province in South Africa and had become a successful merchant. Both banks were keen to capitalize on the huge expansion of trade between Europe, Asia and Africa and to reap the handsome profits to be made from financing that trade. The Chartered Bank opened its first branches in 1858 in Chennai and Mumbai. A branch opened in Shanghai that summer beginning Standard Chartered unbroken presence in China. The following year the Chartered Bank opened a branch in Hong Kong and an agency was opened in Singapore. In 1861 the Singapore agency was upgraded to a branch, which helped provide finance for the rapidly developing rubber and tin industries in Malaysia. In 1862 the Chartered Bank was authorized to issue bank notes in Hong Kong. Subsequently it was also authorized to issue bank notes in Singapore, a privilege it continued to exercise up until the end of the 19th Century. Over the following decades both the Standard Bank and the Chartered Bank printed bank notes in a variety of countries including China, South Africa, Zimbabwe, Malaysia and even during the siege of Marketing in South Africa. Today Standard Chartered is still one of the three banks, which prints Hong Kongs bank notes. Expansion in Africa and Asia The Standard Bank opened for business in Port Elizabeth, South Africa, in 1863. It pursued a policy of expansion and soon amalgamated with several other banks including the Commercial Bank of Port Elizabeth, the Colesberg Bank, the British Kaffarian Bank and the Fauresmith Bank. The Standard Bank was prominent in the financing and development of the diamond fields of Kimberly in 1867 and later extended its network further north to the new town of Johannesburg when gold was discovered there in 1885. Over time, half the output of the second largest goldfield in the world passed through the Standard Bank on its way to London. In 1892 the Standard Bank opened for business in Zimbabwe, and expanded into Mozambique in 1894, Botswana in 1897, Malawi in 1901, Zambia in 1906, Kenya, Zanzibar and the Democratic Republic of Congo (D.R.C.), in 1911 and Uganda in 1912. Of these new businesses, Botswana, Zanzibar and the D.R.C. proved the most difficult and the branches soon closed. A branch in Bo tswana opened again in 1934 but lasted for only a year and it was not until 1950 that the Bank re-opened for business in Botswana. In Asia the Chartered Bank expanded opening offices in, Myanmar in 1862, what is now Pakistan and Indonesia in 1863, the Philippines in 1872, Malaysia in 1875, Japan in 1880 and Thailand in 1894. Some 34 years after the Chartered Bank appointed an agent in Sri Lanka it opened a branch in 1892 to take advantage of business from the tea and rubber industries. During 1904 a branch opened in Vietnam. Both the Chartered and the Standard Bank opened offices in New York and Hamburg in the early 1900s. The Chartered Bank gaining the first branch licence to be issued to a foreign bank in New York. The impact of war Even the First World War offered opportunities for expansion when the Standard Bank set up a branch in Tanzania shortly after British troops occupied the formerly German administered Dar es Salaam in September 1916. Both banks survived the inter-war years but the world trade slump led to the closure of operations in the Canary Islands, Liberia, the Netherlands, and Equatorial Guinea. Disaster struck the Chartered Banks office in Yokohama, Japan, when an earthquake in 1923 killing a number of staff destroyed it. The Second World War particularly affected the Chartered Bank when numerous Asian countries were occupied by Japan. Standard Chartered in India The Chartered Bank opened its first overseas branch in India, at Calcutta, on 12 April 1858 Eight years later the Calcutta agent described the Banks credit locally as splendid and its business as flourishing particularly the substantial turnover in rice bills with the leading Arab firms. When the Chartered Bank first established itself in India, Calcutta was the most important Commercial city and was the centre of the jute and indigo trades. With the growth of cotton trade and the opening of the Suez Canal in 1869, Bombay took over from Calcutta as Indias main trade centre. Today the Banks branches and sub-branches in India are directed and administered from Mumbai (Bombay) with Calcutta remaining an important trading and banking centre. Standard Chartered is the largest international banking Group in India. Key businesses include Consumer Banking-Primarily credit cards, mortgages, personal loans and wealth management and wholesale Banking, where the Bank specializes in the provision of cash management trade, finance, treasury and custody services. It is the largest international banking group in India with an employee base of nearly 3500 people across the country. It also boast the largest branch network amongst all international banks in India-with 61 branches in 15 cities. With over 2.3 million retail customers, and a Credit Card base in excess of 1.3 million, it is the leaders in the consumer banking business. The wholesale bank has over 1200 corporate customers with a 33% market share in value with over 270 top transnational companies in India. INDUSTRY PROFILE What is Banking: Banking, in a traditional sense is the business of accepting deposits of money from public for the purpose of lending and investment. These deposits can have a distinct feature of being withdrawable by cheques, which no other financial institution can offer. In addition, banks also offer various other financial services which include. Issuing Demand Drafts Travellers Cheques Credit Cards Collection of Cheques, Bills of exchange Safe Deposit Lockers Issuing Letters of Credit Letters of Guarantee Sale and Purchase of Foreign Exchange Custodial Services Investment Insurance services The business of banking is highly regulated since banks deal with money offered to them by the public and ensuring the safety of this public money is one of the prime responsibilities of any bank. That is why banks are expected to be prudent in their lending and investment activities. Every bank has a Compliance Department, which is responsible to ensure that all the services offered by the bank, and the processes followed are in compliance with the local regulations and the Banks corporate policy. The major regulations and acts that govern the banking business are Banking Regulations act, 1949 Foreign Exchange Management Act, 1999 Indian Contract Act Negotiable Instruments Act, 1881 Banks lend money either for productive purposes to individuals, firms, corporates etc, or for buying house property, cars and other consumer durable and for investment purposes to individuals and others. However, banks do not finance any speculative activity. Lending is risk taking. Banking in the New Millennium Were living in a world dominated by the new idea economy, ticking to the beat of Internet time, where customers are quality conscious, time conscious and price conscious. Technology is creating new agile players making the existing ones obsolete. In this scenario, the role of internet and its impact on banking still appears to be a puzzle. Banks around the world are subject to the same radical changes -new competition, technology, deregulation, and globalization. But, eventually, the classic rules of business will reassert themselves in this virtual environment and the winners will be the first and best movers. The challenges in this millennium for the banking industry are enormous. The technology and Banking sector reforms, together are lifting the competitive intensity of the Banking business. In Banking, embedding knowledge into products can enhance value, and connecting different knowledge sources can create innovative products. The banks that are first to market with the right mix of technologies, strategies and partnerships would be the sure winners. The banking environment worldwide is undergoing massive transformation. Despite the, not so favorable, market sentiments and an apparent backlash against dotcoms, serious players in established industries like banking, remain convinced that the Internet will have a profound impact on the banking sector. Mergers and acquisitions are changing the financial landscape, and cross-border linkages are drastically altering the business characters, in general and banking operations, in particular. But drawing firm conclusions can be dangerous, as mergers and consolidation take many different forms and the impact can give mixed results. But, there is growing concern as to whether mergers deliver the expected benefits and whether cross-border deals are feasible, particularly in Europe, where cultural considerations are seen as barriers to success. In Europe, players are beginning to assert themselves, as the Nat West battle is resolved. Nat west, one of the UKs biggest banks, was forced to accept a hostile takeover bid from a smaller rival, Royal Bank of Scotland in December 2000. Earlier in November 1999, Nat west rejected a similar bid by another small bank, Bank of Scotland. This move left the scene set for Royal Bank of Scotland to submit its long anticipated bid for Nat West. It was follo wed by a flurry of bid and counter bid by the two Scottish banks as Nat west fought to keep its independence. The Royal Bank of Scotland finally won by convincing the Nat West shareholders to accept its  £25 bn offer. This outcome has set the tone for a long overdue round of consolidation in the European financial sector. Coming home, Indian banking sector has come a long way from being a sleepy business institution to a highly proactive and dynamic entity. Indian banking system is in the midst of a technological revolution. It is impacting the Indian industry in three ways firstly, by providing efficient and effective delivery Channels, secondly, it is dramatically influencing the client profile, which in turn leads to the third change i.e. the Human Resources Management. As a service sector, it calls for a change in the attitude of the personnel that would have a salutary effect on customers. Indian Banking that was operating in a highly comfortable and protected environment till the beginning of 1990s has been pushed into the choppy waters of intense competition. Mergers and acquisitions, have been heating up in the new private banking sector since the HDFC-Times Bank merger came through in November 1999. The deal shook an otherwise placid Indian banking world and generated a kind of pressure on banks to shake hands with their peers to cope up with the competition. Going forward, the premium valuations of private banks compared to public sector banks depend on their ability to maintain high earnings growth and quality of assets. The current downturn in the economic activity could result in the increase of non-performing assets for most of the banks. The winner in the market would be the one who can sustain the high growth in business without compromising the asset quality. In this millennium, banks should strive to achieve significant increases in their productivity, efficiency, and profitability. The areas of challenges that lie ahead for the Indian banking sector would be: Restructuring and Reorganizing banks setup, leaner offices, merging and forging of strategic alliances to take advantage of the geographic spread of branch network of banks, develop new products and services that would meet the emerging needs of customers and professional Management structures that would be responsive to the changes in the business environment. The book Banking In The New Millennium examines this changing landscape for the banking services. The purpose of this book is to present the current trends, the emerging scenario and the building blocks in banking sector. A brief section is also dedicated to retail banking that is growing in a big way. The book is divided into four sections analyzing the various aspects of the banking scenario. Packed with the right mix of articles on e-banking, retail banking, and mergers and acquisitions, this book is intended to serve as an executive reference book on Banking. Challenges And Future In Banking Sector Mergers in the Banking, NPA, New Technology, Electronic Cash Transfer After the nationalization of Banks, increasing adoption of technology, continuous mergers in the banking, modernizing backroom operation in the banks and competition pave the path of growth of Indian banking. By the mid-1990, the near monopoly of public sector banks faced the competition by the more customer-focused private sector entrants. This competition forced older and nationalized banks to revitalize their operations. Year 1992 was the golden period of Indian Banking system due to the scam-tainted stock market. Large proportion of household saving moved into the banking system, which recorded an annual growth of 20 percent in deposit. But along with the continuous growth and modernization, there are several challenges confronting the banking sector. The main challenges facing the banking sector are the deployment of funds in quality assets and the management of revenues and costs. The problem of NPA (non- performing assets), overall credit recovery systems still exist. There is a continuous reforms and modernization is in process. A number of recon mediations of two Narasimham committees have been implemented. Foreign Banks focusing on corporate and on the middle class consumer and providing then better service. Nationalized Banks are also attempting to get on the path of automation. Strong Banks will acquire the weaker banks. The member of foreign banks operating in India has increased significantly and their share of total assets has also increased. In the year 2001 estimated foreign bank account for 14.7 percent of the total net profit of commercial banking sector in India. In spite tangible progress and the contribution of Narasimham I and Narasimham committee reports the banking sector in India suffering from systemic and structural problem. OBJECTIVES The main objective of this project report is to make an analytical study of Standard Chartered Bank It includes History of the Bank Product Analysis Service Banks Accounts Comparison of the saving accounts with other leading Banks of India REASEARCH METHODOLOGY Data collection has been done from both sources primary as well as secondary. Primary data : by meeting various managers of the Standard Chartered Bank, Citibank, ABN-AMRO Bank, ICICI, HDFC, HSBC, GTB, UTI and IDBI. Secondary data: From newspaper, magazines, Libraries. CONCEPTUAL FRAMEWORK Investment in India Banking Banking System Introduction The Reserve Bank of India (RBI) is Indias central bank. Though public sector banks currently dominate the banking industry, numerous private and foreign banks exist. Indias government-owned banks dominate the market. Their performance has been mixed, with a few being consistently profitable. Several public sector banks are being restructured, and in some the government either already has or will reduce its ownership. Private and foreign banks The RBI has granted operating approval to a few privately owned domestic banks; of these many commenced banking business. Foreign banks operate more than 150 branches in India. The entry of foreign banks is based on reciprocity, economic and political bilateral relations. An inter-departmental committee approves applications for entry and expansion. Capital adequacy norm Foreign banks were required to achieve an 8 percent capital adequacy norm by March 1993, while Indian banks with overseas branches had until March 1995 to meet that target. All other banks had to do so by March 1996. The banking sector is to be used as a model for opening up of Indias insurance sector to private domestic and foreign participants, while keeping the national insurance companies in operation. Banking India has an extensive banking network, in both urban and rural areas. All large Indian banks are nationalized, and all Indian financial institutions are in the public sector. RBI banking The Reserve Bank of India is the central banking institution. It is the sole authority for issuing bank notes and the supervisory body for banking operations in India. It supervises and administers exchange control and banking regulations, and administers the governments monetary policy. It is also responsible for granting licenses for new bank branches. 25 foreign banks operate in India with full banking licenses. Several licenses for private banks have been approved. Despite fairly broad banking coverage nationwide, the financial system remains inaccessible to the poorest people in India. Indian banking system The banking system has three tiers. These are the scheduled commercial banks; the regional rural banks that operate in rural areas not covered by the scheduled banks; and the cooperative and special purpose rural banks. Scheduled and non-scheduled banks There are approximately 80 scheduled commercial banks, Indian and foreign; almost 200 regional rural banks; more than 350 central cooperative banks, 20 land development banks; and a number of primary agricultural credit societies. In terms of business, the public sector banks, namely the State Bank of India and the nationalized banks, dominate the banking sector. Local financing All sources of local financing are available to foreign-participation companies incorporated in India, regardless of the extent of foreign participation. Under foreign exchange regulations, foreigners and non-residents, including foreign companies, require the permission of the Reserve Bank of India to borrow from a person or company resident in India . Regulations on foreign banks Foreign banks in India are subject to the same regulations as scheduled banks. They are permitted to accept deposits and provide credit in accordance with the banking laws and RBI regulations. Currently about 25 foreign banks are licensed to operate in India. Foreign bank branches in India finance trade through their global networks. RBI restrictions The Reserve Bank of India lays down restrictions on bank lending and other activities with large companies. These restrictions, popularly known as consortium guidelines seem to have outlived their usefulness, because they hinder the availability of credit to the non-food sector and at the same time do not foster competition between banks. Indian vs foreign banks Most Indian banks are well behind foreign banks in the areas of customer funds transfer and clearing systems. They are hugely over-staffed and are unlikely to be able to compete with the new private banks that are now entering the market. While these new banks and foreign banks still face restrictions in their activities, they are well-capitalized, use modern equipment and attract high-caliber employees. Government and RBI regulations All commercial banks face stiff restrictions on the use of both their assets and liabilities. Forty percent of loans must be directed to priority sectors and the high liquidity ratio and cash reserve requirements severely limit the availability of deposits for lending.The RBI requires that domestic Indian banks make 40 percent of their loans at concessional rates to priority sectors selected by the government. These sectors consist largely of agriculture, exporters, and small businesses. Since July 1993, foreign banks have been required to make 32 percent of their loans to these priority sector. Within the target of 32 percent, two sub-targets for loans to the small scale sector (minimum of 10 percent) and exports (minimum of 12 percent) have been fixed. Foreign banks, however, are not required to open branches in rural areas, or to make loans to the agricultural sector. Commercial banks lent dols 8 billion in the Indian financial year (IFY, April-March) 1997/98, up sharply from dols 4.4 billion in the previous year. The deployment of gross loans was as follows: FINDINGS AND ANALYSIS BUSINESS Consumer Bank Consumer Banking Offers a wide range of premium banking products and services through the network of 90 branches in 19 cities across the country to cater to customers diverse financial needs. Wealth management offers a complete and comprehensive range of products to fulfill a gamut of customer investment and financial needs. These include domestic and NRI transaction accounts (with several value-add products and services like ATM and globally valid Debit Card, phone banking, extended banking, any branch banking, door step banking and investment advisory services), distribution of capital market and insurance products and dematerialization services and finances against shares. Standard Chartered also offers Priority Banking that is personalized banking for the privileged few. Standard Chartered Group is a leading credit card issuer in India and has several firsts to its credit. These include issuance of the first Global Credit Card in India, the first Photo card, the first Picture Card. Our card division under Unsecured Payments is also the first in South Asia to be accorded an ISO 9002 certification. The credit Cards and Personal Loans Offer include co-branded cards with unique value propositions and cards like Sapnay for the middle-market segment. The division offers a range of personal loan products and also a personal line of credit through products such as Smart Credit. Our Secured Loan Division offers mortgage auto loans and also unique overdraft products like ‘Mileage that offer revolving credit facility against the security of a used or new car. Standard Chartered Finance (SCF), an NBFC is our Centre for Excellence in Service and product distribution arm. Products include loans/leases for new passenger cars, used cars commercial vehicles and medical equipment. Standard Chartered Finance has an extensive network of branches in India. Wholesale Bank Corporate and Institutional Bank Standard Chartered is particularly strong in Institutional relationships and is the preferred correspondent bank for over 300 domestic and international bank, the largest such private sector network in India. The Bank focuses on service quality and all its operational units in trade, cash management, treasury and custody are ISO certified. Standard Chartered is Indias largest foreign trade finance bank and offers a full complement of trade finance products, including export credit in foreign currency, export letters of credit confirmations, merchanting trade and buyer credits. It is one of the few banks in India to offer services like channel financing forfeiting, without recourse export finance, project export and service export approvals and sponsorships. As a leading cash management supplier across emerging markets, Standard Chartered Offers Complete end to end cash management solutions for corporate and institutions. The Greenwich survey for 2001 nominated Standard Chartered the Best Cash Management Service Quality Bank in India Range of Products include vostro accounts, draft drawing, telegraphic transfers and an international payments facility that allows foreign currency payments without a separate account. Standard Chartereds custody and clearing service unit has served Foreign Institutional Investors in India with Superior client servicing, supported by Sophisticated and flexible computerized systems. It is the only custodian in India to earn the ISO 9001:2000 standards certification. Standard Chartered has received top ratings in Industrys benchmark surveys the Global custodian survey 2000 and the Global Investor Survey 2000. Global Markets Standard Charted provides a complete 24 hour coverage of the worlds foreign exchange markets. It provides a broad range of products like Exotic currencies, Derivatives, Debt Capital markets, Currency Options and Electronic trading. Standard Chartered was the first bank in India to introduce its on-Line Treasury, a browser enabled dealing system that enables real-time transactions. Standard Chartered is also recognized as a leading market for the Indian Rupee. The Banks Treasury-the No.1 Treasury in India-is amongst the most active treasuries in the country, being a market maker in local currency and money markets. While we seek to provide advice, treasury products and services to our global clients in the Indian market, we also have active relationships with some of the biggest and most diversified Indian companies and many medium sized companies. With a large specialized sales force, we cater to all foreign exchange, money market and risk management needs of our corporate clients. Treasury has an active inter bank desk which, apart from being a market maker in the Indian Rupee spot and the forwards market, actively quotes for other currencies. The money Market Desk is a leading player in the Rupee markets and in Government and corporate debt trading. The derivative Desk is a market maker in the Rupee Interest rate swap market. We also run one of Indias largest derivative books and offer products up to 7 years tenor. The corporate desk is amongst the largest among the foreign banks in India. With a presence in 5 major cities with state of the art dealing rooms and a corporate sales force of over 20 dealers, we have an unmatched reach and service capability across India. In addition to servicing currency market and investment needs of corporate clients, our corporate desk is active in advisory services pertaining to structuring and risk management. Standard Chartered Mutual Fund is one of the largest and fastest growing debt funds in the market. Standard Chartered Mutual Fund is the only fund that focuses only on the debt segment and prides itself on having developed one of the finest interest rate tracking models. Consumer Bank-Products Types of Deposits Bank Deposits B Standard Chartered Bank in India Analysis Standard Chartered Bank in India Analysis Executive Summary The competition in the banking sector is increasing at a tremendous rate. MNC banks in India are doing well in India and Standard Chartered Bank being one of them wants to increase the consumer base. Therefore, it is trying to do this through retail banking. At this point of time the bank is expanding and is coming up with new branches all over India. It has recently opened a new branch there and if yes then how it can acquire new Customers. In two months time I was supposed to promote and sell their products (especially deposits) and to do a market study to know customers needs and requirements so that bank can improvise on them if possible. This time period was not enough to do an intense study. Therefore, I could collect limited data and kept my study limited to small a sample INTRODUCTION An overview of SCB Standard Chartered is the worlds leading emerging markets bank. It employs 29,000 people in over 500 offices in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, United Kingdom and the Americas. The Bank serves both Consumer and Wholesale banking customers. The Consumer Bank provides credit cards, personal loans, mortgages, deposit taking activity and wealth management services to individuals and medium sized businesses. The Wholesale Bank provides services to multinational, regional and domestic corporate and institutional clients in trade finance, cash management, custody, lending, foreign exchange, interest rate management and debt capital markets. With 150 years in the emerging markets the Bank has unmatched knowledge and understanding of its customers in its markets. Standard Chartered recognizes its responsibilities to its staff and to the communities in which it operates A brief history of Standard Chartered Standard Chartered is the worlds leading emerging markets bank headquartered in London. Its businesses however, have always been overwhelmingly international. This is summary of the main events in the history of Standard Chartered and some of the organizations with which it merged. The early years Standard Chartered is named after two banks, which merged in 1969. They were originally known as the Standard Bank of British South Africa and the Chartered Bank of India, Australia and China. Of the two banks, the Chartered Bank is the older having been founded in 1853 following the grant of a Royal Charter from Queen Victoria. The moving force behind the Chartered Bank was a Scot, James Wilson, who made his fortune in London making hats. James Wilson went on to start The Economist, still one of the worlds pre-eminent publications. Nine years later, in 1862, the Standard Bank was founded by a group of businessmen led by another Scot, John Paterson, who had immigrated to the Cape Province in South Africa and had become a successful merchant. Both banks were keen to capitalize on the huge expansion of trade between Europe, Asia and Africa and to reap the handsome profits to be made from financing that trade. The Chartered Bank opened its first branches in 1858 in Chennai and Mumbai. A branch opened in Shanghai that summer beginning Standard Chartered unbroken presence in China. The following year the Chartered Bank opened a branch in Hong Kong and an agency was opened in Singapore. In 1861 the Singapore agency was upgraded to a branch, which helped provide finance for the rapidly developing rubber and tin industries in Malaysia. In 1862 the Chartered Bank was authorized to issue bank notes in Hong Kong. Subsequently it was also authorized to issue bank notes in Singapore, a privilege it continued to exercise up until the end of the 19th Century. Over the following decades both the Standard Bank and the Chartered Bank printed bank notes in a variety of countries including China, South Africa, Zimbabwe, Malaysia and even during the siege of Marketing in South Africa. Today Standard Chartered is still one of the three banks, which prints Hong Kongs bank notes. Expansion in Africa and Asia The Standard Bank opened for business in Port Elizabeth, South Africa, in 1863. It pursued a policy of expansion and soon amalgamated with several other banks including the Commercial Bank of Port Elizabeth, the Colesberg Bank, the British Kaffarian Bank and the Fauresmith Bank. The Standard Bank was prominent in the financing and development of the diamond fields of Kimberly in 1867 and later extended its network further north to the new town of Johannesburg when gold was discovered there in 1885. Over time, half the output of the second largest goldfield in the world passed through the Standard Bank on its way to London. In 1892 the Standard Bank opened for business in Zimbabwe, and expanded into Mozambique in 1894, Botswana in 1897, Malawi in 1901, Zambia in 1906, Kenya, Zanzibar and the Democratic Republic of Congo (D.R.C.), in 1911 and Uganda in 1912. Of these new businesses, Botswana, Zanzibar and the D.R.C. proved the most difficult and the branches soon closed. A branch in Bo tswana opened again in 1934 but lasted for only a year and it was not until 1950 that the Bank re-opened for business in Botswana. In Asia the Chartered Bank expanded opening offices in, Myanmar in 1862, what is now Pakistan and Indonesia in 1863, the Philippines in 1872, Malaysia in 1875, Japan in 1880 and Thailand in 1894. Some 34 years after the Chartered Bank appointed an agent in Sri Lanka it opened a branch in 1892 to take advantage of business from the tea and rubber industries. During 1904 a branch opened in Vietnam. Both the Chartered and the Standard Bank opened offices in New York and Hamburg in the early 1900s. The Chartered Bank gaining the first branch licence to be issued to a foreign bank in New York. The impact of war Even the First World War offered opportunities for expansion when the Standard Bank set up a branch in Tanzania shortly after British troops occupied the formerly German administered Dar es Salaam in September 1916. Both banks survived the inter-war years but the world trade slump led to the closure of operations in the Canary Islands, Liberia, the Netherlands, and Equatorial Guinea. Disaster struck the Chartered Banks office in Yokohama, Japan, when an earthquake in 1923 killing a number of staff destroyed it. The Second World War particularly affected the Chartered Bank when numerous Asian countries were occupied by Japan. Standard Chartered in India The Chartered Bank opened its first overseas branch in India, at Calcutta, on 12 April 1858 Eight years later the Calcutta agent described the Banks credit locally as splendid and its business as flourishing particularly the substantial turnover in rice bills with the leading Arab firms. When the Chartered Bank first established itself in India, Calcutta was the most important Commercial city and was the centre of the jute and indigo trades. With the growth of cotton trade and the opening of the Suez Canal in 1869, Bombay took over from Calcutta as Indias main trade centre. Today the Banks branches and sub-branches in India are directed and administered from Mumbai (Bombay) with Calcutta remaining an important trading and banking centre. Standard Chartered is the largest international banking Group in India. Key businesses include Consumer Banking-Primarily credit cards, mortgages, personal loans and wealth management and wholesale Banking, where the Bank specializes in the provision of cash management trade, finance, treasury and custody services. It is the largest international banking group in India with an employee base of nearly 3500 people across the country. It also boast the largest branch network amongst all international banks in India-with 61 branches in 15 cities. With over 2.3 million retail customers, and a Credit Card base in excess of 1.3 million, it is the leaders in the consumer banking business. The wholesale bank has over 1200 corporate customers with a 33% market share in value with over 270 top transnational companies in India. INDUSTRY PROFILE What is Banking: Banking, in a traditional sense is the business of accepting deposits of money from public for the purpose of lending and investment. These deposits can have a distinct feature of being withdrawable by cheques, which no other financial institution can offer. In addition, banks also offer various other financial services which include. Issuing Demand Drafts Travellers Cheques Credit Cards Collection of Cheques, Bills of exchange Safe Deposit Lockers Issuing Letters of Credit Letters of Guarantee Sale and Purchase of Foreign Exchange Custodial Services Investment Insurance services The business of banking is highly regulated since banks deal with money offered to them by the public and ensuring the safety of this public money is one of the prime responsibilities of any bank. That is why banks are expected to be prudent in their lending and investment activities. Every bank has a Compliance Department, which is responsible to ensure that all the services offered by the bank, and the processes followed are in compliance with the local regulations and the Banks corporate policy. The major regulations and acts that govern the banking business are Banking Regulations act, 1949 Foreign Exchange Management Act, 1999 Indian Contract Act Negotiable Instruments Act, 1881 Banks lend money either for productive purposes to individuals, firms, corporates etc, or for buying house property, cars and other consumer durable and for investment purposes to individuals and others. However, banks do not finance any speculative activity. Lending is risk taking. Banking in the New Millennium Were living in a world dominated by the new idea economy, ticking to the beat of Internet time, where customers are quality conscious, time conscious and price conscious. Technology is creating new agile players making the existing ones obsolete. In this scenario, the role of internet and its impact on banking still appears to be a puzzle. Banks around the world are subject to the same radical changes -new competition, technology, deregulation, and globalization. But, eventually, the classic rules of business will reassert themselves in this virtual environment and the winners will be the first and best movers. The challenges in this millennium for the banking industry are enormous. The technology and Banking sector reforms, together are lifting the competitive intensity of the Banking business. In Banking, embedding knowledge into products can enhance value, and connecting different knowledge sources can create innovative products. The banks that are first to market with the right mix of technologies, strategies and partnerships would be the sure winners. The banking environment worldwide is undergoing massive transformation. Despite the, not so favorable, market sentiments and an apparent backlash against dotcoms, serious players in established industries like banking, remain convinced that the Internet will have a profound impact on the banking sector. Mergers and acquisitions are changing the financial landscape, and cross-border linkages are drastically altering the business characters, in general and banking operations, in particular. But drawing firm conclusions can be dangerous, as mergers and consolidation take many different forms and the impact can give mixed results. But, there is growing concern as to whether mergers deliver the expected benefits and whether cross-border deals are feasible, particularly in Europe, where cultural considerations are seen as barriers to success. In Europe, players are beginning to assert themselves, as the Nat West battle is resolved. Nat west, one of the UKs biggest banks, was forced to accept a hostile takeover bid from a smaller rival, Royal Bank of Scotland in December 2000. Earlier in November 1999, Nat west rejected a similar bid by another small bank, Bank of Scotland. This move left the scene set for Royal Bank of Scotland to submit its long anticipated bid for Nat West. It was follo wed by a flurry of bid and counter bid by the two Scottish banks as Nat west fought to keep its independence. The Royal Bank of Scotland finally won by convincing the Nat West shareholders to accept its  £25 bn offer. This outcome has set the tone for a long overdue round of consolidation in the European financial sector. Coming home, Indian banking sector has come a long way from being a sleepy business institution to a highly proactive and dynamic entity. Indian banking system is in the midst of a technological revolution. It is impacting the Indian industry in three ways firstly, by providing efficient and effective delivery Channels, secondly, it is dramatically influencing the client profile, which in turn leads to the third change i.e. the Human Resources Management. As a service sector, it calls for a change in the attitude of the personnel that would have a salutary effect on customers. Indian Banking that was operating in a highly comfortable and protected environment till the beginning of 1990s has been pushed into the choppy waters of intense competition. Mergers and acquisitions, have been heating up in the new private banking sector since the HDFC-Times Bank merger came through in November 1999. The deal shook an otherwise placid Indian banking world and generated a kind of pressure on banks to shake hands with their peers to cope up with the competition. Going forward, the premium valuations of private banks compared to public sector banks depend on their ability to maintain high earnings growth and quality of assets. The current downturn in the economic activity could result in the increase of non-performing assets for most of the banks. The winner in the market would be the one who can sustain the high growth in business without compromising the asset quality. In this millennium, banks should strive to achieve significant increases in their productivity, efficiency, and profitability. The areas of challenges that lie ahead for the Indian banking sector would be: Restructuring and Reorganizing banks setup, leaner offices, merging and forging of strategic alliances to take advantage of the geographic spread of branch network of banks, develop new products and services that would meet the emerging needs of customers and professional Management structures that would be responsive to the changes in the business environment. The book Banking In The New Millennium examines this changing landscape for the banking services. The purpose of this book is to present the current trends, the emerging scenario and the building blocks in banking sector. A brief section is also dedicated to retail banking that is growing in a big way. The book is divided into four sections analyzing the various aspects of the banking scenario. Packed with the right mix of articles on e-banking, retail banking, and mergers and acquisitions, this book is intended to serve as an executive reference book on Banking. Challenges And Future In Banking Sector Mergers in the Banking, NPA, New Technology, Electronic Cash Transfer After the nationalization of Banks, increasing adoption of technology, continuous mergers in the banking, modernizing backroom operation in the banks and competition pave the path of growth of Indian banking. By the mid-1990, the near monopoly of public sector banks faced the competition by the more customer-focused private sector entrants. This competition forced older and nationalized banks to revitalize their operations. Year 1992 was the golden period of Indian Banking system due to the scam-tainted stock market. Large proportion of household saving moved into the banking system, which recorded an annual growth of 20 percent in deposit. But along with the continuous growth and modernization, there are several challenges confronting the banking sector. The main challenges facing the banking sector are the deployment of funds in quality assets and the management of revenues and costs. The problem of NPA (non- performing assets), overall credit recovery systems still exist. There is a continuous reforms and modernization is in process. A number of recon mediations of two Narasimham committees have been implemented. Foreign Banks focusing on corporate and on the middle class consumer and providing then better service. Nationalized Banks are also attempting to get on the path of automation. Strong Banks will acquire the weaker banks. The member of foreign banks operating in India has increased significantly and their share of total assets has also increased. In the year 2001 estimated foreign bank account for 14.7 percent of the total net profit of commercial banking sector in India. In spite tangible progress and the contribution of Narasimham I and Narasimham committee reports the banking sector in India suffering from systemic and structural problem. OBJECTIVES The main objective of this project report is to make an analytical study of Standard Chartered Bank It includes History of the Bank Product Analysis Service Banks Accounts Comparison of the saving accounts with other leading Banks of India REASEARCH METHODOLOGY Data collection has been done from both sources primary as well as secondary. Primary data : by meeting various managers of the Standard Chartered Bank, Citibank, ABN-AMRO Bank, ICICI, HDFC, HSBC, GTB, UTI and IDBI. Secondary data: From newspaper, magazines, Libraries. CONCEPTUAL FRAMEWORK Investment in India Banking Banking System Introduction The Reserve Bank of India (RBI) is Indias central bank. Though public sector banks currently dominate the banking industry, numerous private and foreign banks exist. Indias government-owned banks dominate the market. Their performance has been mixed, with a few being consistently profitable. Several public sector banks are being restructured, and in some the government either already has or will reduce its ownership. Private and foreign banks The RBI has granted operating approval to a few privately owned domestic banks; of these many commenced banking business. Foreign banks operate more than 150 branches in India. The entry of foreign banks is based on reciprocity, economic and political bilateral relations. An inter-departmental committee approves applications for entry and expansion. Capital adequacy norm Foreign banks were required to achieve an 8 percent capital adequacy norm by March 1993, while Indian banks with overseas branches had until March 1995 to meet that target. All other banks had to do so by March 1996. The banking sector is to be used as a model for opening up of Indias insurance sector to private domestic and foreign participants, while keeping the national insurance companies in operation. Banking India has an extensive banking network, in both urban and rural areas. All large Indian banks are nationalized, and all Indian financial institutions are in the public sector. RBI banking The Reserve Bank of India is the central banking institution. It is the sole authority for issuing bank notes and the supervisory body for banking operations in India. It supervises and administers exchange control and banking regulations, and administers the governments monetary policy. It is also responsible for granting licenses for new bank branches. 25 foreign banks operate in India with full banking licenses. Several licenses for private banks have been approved. Despite fairly broad banking coverage nationwide, the financial system remains inaccessible to the poorest people in India. Indian banking system The banking system has three tiers. These are the scheduled commercial banks; the regional rural banks that operate in rural areas not covered by the scheduled banks; and the cooperative and special purpose rural banks. Scheduled and non-scheduled banks There are approximately 80 scheduled commercial banks, Indian and foreign; almost 200 regional rural banks; more than 350 central cooperative banks, 20 land development banks; and a number of primary agricultural credit societies. In terms of business, the public sector banks, namely the State Bank of India and the nationalized banks, dominate the banking sector. Local financing All sources of local financing are available to foreign-participation companies incorporated in India, regardless of the extent of foreign participation. Under foreign exchange regulations, foreigners and non-residents, including foreign companies, require the permission of the Reserve Bank of India to borrow from a person or company resident in India . Regulations on foreign banks Foreign banks in India are subject to the same regulations as scheduled banks. They are permitted to accept deposits and provide credit in accordance with the banking laws and RBI regulations. Currently about 25 foreign banks are licensed to operate in India. Foreign bank branches in India finance trade through their global networks. RBI restrictions The Reserve Bank of India lays down restrictions on bank lending and other activities with large companies. These restrictions, popularly known as consortium guidelines seem to have outlived their usefulness, because they hinder the availability of credit to the non-food sector and at the same time do not foster competition between banks. Indian vs foreign banks Most Indian banks are well behind foreign banks in the areas of customer funds transfer and clearing systems. They are hugely over-staffed and are unlikely to be able to compete with the new private banks that are now entering the market. While these new banks and foreign banks still face restrictions in their activities, they are well-capitalized, use modern equipment and attract high-caliber employees. Government and RBI regulations All commercial banks face stiff restrictions on the use of both their assets and liabilities. Forty percent of loans must be directed to priority sectors and the high liquidity ratio and cash reserve requirements severely limit the availability of deposits for lending.The RBI requires that domestic Indian banks make 40 percent of their loans at concessional rates to priority sectors selected by the government. These sectors consist largely of agriculture, exporters, and small businesses. Since July 1993, foreign banks have been required to make 32 percent of their loans to these priority sector. Within the target of 32 percent, two sub-targets for loans to the small scale sector (minimum of 10 percent) and exports (minimum of 12 percent) have been fixed. Foreign banks, however, are not required to open branches in rural areas, or to make loans to the agricultural sector. Commercial banks lent dols 8 billion in the Indian financial year (IFY, April-March) 1997/98, up sharply from dols 4.4 billion in the previous year. The deployment of gross loans was as follows: FINDINGS AND ANALYSIS BUSINESS Consumer Bank Consumer Banking Offers a wide range of premium banking products and services through the network of 90 branches in 19 cities across the country to cater to customers diverse financial needs. Wealth management offers a complete and comprehensive range of products to fulfill a gamut of customer investment and financial needs. These include domestic and NRI transaction accounts (with several value-add products and services like ATM and globally valid Debit Card, phone banking, extended banking, any branch banking, door step banking and investment advisory services), distribution of capital market and insurance products and dematerialization services and finances against shares. Standard Chartered also offers Priority Banking that is personalized banking for the privileged few. Standard Chartered Group is a leading credit card issuer in India and has several firsts to its credit. These include issuance of the first Global Credit Card in India, the first Photo card, the first Picture Card. Our card division under Unsecured Payments is also the first in South Asia to be accorded an ISO 9002 certification. The credit Cards and Personal Loans Offer include co-branded cards with unique value propositions and cards like Sapnay for the middle-market segment. The division offers a range of personal loan products and also a personal line of credit through products such as Smart Credit. Our Secured Loan Division offers mortgage auto loans and also unique overdraft products like ‘Mileage that offer revolving credit facility against the security of a used or new car. Standard Chartered Finance (SCF), an NBFC is our Centre for Excellence in Service and product distribution arm. Products include loans/leases for new passenger cars, used cars commercial vehicles and medical equipment. Standard Chartered Finance has an extensive network of branches in India. Wholesale Bank Corporate and Institutional Bank Standard Chartered is particularly strong in Institutional relationships and is the preferred correspondent bank for over 300 domestic and international bank, the largest such private sector network in India. The Bank focuses on service quality and all its operational units in trade, cash management, treasury and custody are ISO certified. Standard Chartered is Indias largest foreign trade finance bank and offers a full complement of trade finance products, including export credit in foreign currency, export letters of credit confirmations, merchanting trade and buyer credits. It is one of the few banks in India to offer services like channel financing forfeiting, without recourse export finance, project export and service export approvals and sponsorships. As a leading cash management supplier across emerging markets, Standard Chartered Offers Complete end to end cash management solutions for corporate and institutions. The Greenwich survey for 2001 nominated Standard Chartered the Best Cash Management Service Quality Bank in India Range of Products include vostro accounts, draft drawing, telegraphic transfers and an international payments facility that allows foreign currency payments without a separate account. Standard Chartereds custody and clearing service unit has served Foreign Institutional Investors in India with Superior client servicing, supported by Sophisticated and flexible computerized systems. It is the only custodian in India to earn the ISO 9001:2000 standards certification. Standard Chartered has received top ratings in Industrys benchmark surveys the Global custodian survey 2000 and the Global Investor Survey 2000. Global Markets Standard Charted provides a complete 24 hour coverage of the worlds foreign exchange markets. It provides a broad range of products like Exotic currencies, Derivatives, Debt Capital markets, Currency Options and Electronic trading. Standard Chartered was the first bank in India to introduce its on-Line Treasury, a browser enabled dealing system that enables real-time transactions. Standard Chartered is also recognized as a leading market for the Indian Rupee. The Banks Treasury-the No.1 Treasury in India-is amongst the most active treasuries in the country, being a market maker in local currency and money markets. While we seek to provide advice, treasury products and services to our global clients in the Indian market, we also have active relationships with some of the biggest and most diversified Indian companies and many medium sized companies. With a large specialized sales force, we cater to all foreign exchange, money market and risk management needs of our corporate clients. Treasury has an active inter bank desk which, apart from being a market maker in the Indian Rupee spot and the forwards market, actively quotes for other currencies. The money Market Desk is a leading player in the Rupee markets and in Government and corporate debt trading. The derivative Desk is a market maker in the Rupee Interest rate swap market. We also run one of Indias largest derivative books and offer products up to 7 years tenor. The corporate desk is amongst the largest among the foreign banks in India. With a presence in 5 major cities with state of the art dealing rooms and a corporate sales force of over 20 dealers, we have an unmatched reach and service capability across India. In addition to servicing currency market and investment needs of corporate clients, our corporate desk is active in advisory services pertaining to structuring and risk management. Standard Chartered Mutual Fund is one of the largest and fastest growing debt funds in the market. Standard Chartered Mutual Fund is the only fund that focuses only on the debt segment and prides itself on having developed one of the finest interest rate tracking models. Consumer Bank-Products Types of Deposits Bank Deposits B