Sustainability at Millipore Essay Example | Topics and Well Written Essays - 750 words

Manageability at Millipore - Essay Example ents used as a piece of liquid stream strategies to filter through or concentrate particulates, iotas, microorganisms, contaminations, and various materials. Customers used Millipores channels for purifying, cell procuring, and segregating blends from complex mixes. For example, the reward business used Millipores channels to oust microorganisms and yeast from wine, ale, crush, and water. Millipore in like manner conveyed an assortment of lab equipment, including acknowledgment gadgets. The inquiries to be talked about considering the company’s endeavors to accomplish maintainability are as underneath. The assembling procedure or any creation procedure needs a few data sources (crude materials). The crude materials experience a specific chain of procedure or numerous chain forms before the last item is accomplished. These information sources are assets that nature gives like air, water, stones, and so on. Consequently, producing forms devour the normally accessible assets. During the creation procedure, different substances are delivered as waste. The waste materials could be in vaporous, fluid or strong state. These waste materials are synthetic compounds that are unsafe to the earth. For example, nursery gasses and other unsafe materials that are hurtful to the microorganisms living in water and ashore. Overutilization of the common assets past the renewing limit of nature is the result of most company’s exercises. The demonstration can be alluded to as unreasonable use of assets. Manageability grasps the utilization of regular assets to address the issues of the present age, and yet monitoring and reestablishing similar assets to address the issues of things to come age. Maintainability can be accomplished through diminishing the negative effect of a company’s financial exercises on the earth by participating in exercises that are socially capable. Social obligation upgrades the company’s picture and notoriety, which thus, leads

Discussion Topics Essay Example | Topics and Well Written Essays - 250 words - 6

Conversation Topics - Essay Example The demonstration was intended to raise burdens as a technique to eliminate people’s spending and thus increment the recuperation procedure. Be that as it may, the measure effectsly affected the economy since it focused on organizations, which were at that point shutting down. The most exceedingly awful effects of the downturn were felt on October 29, 1929 when the financial exchange shut its entryways without precedent for what came to be known as the dark Tuesday. Most financial experts property the incredible misery with the fall of stock costs that happened in the US before it spread to the remainder of the world. Having seen the effects of the extraordinary discouragements, Americans were frightful about comparative events. Dread from the extraordinary melancholy blocked individuals from accomplishing their money related targets and contributing. Individuals were terrified about banking and sparing when all is said in done. On December 7, 1941, Japan propelled an unexpected assault on the United States at Pearl Harbor in Hawaii. This push America into World War II, and for the following four years. The war happened during the time of the incredible gloom when America was encountering monstrous joblessness. Following the flare-up of the war, the situation of ladies in the general public is probably going to have been assessed. As men were enrolled into the military, a great many ladies were left to deal with their families. Some of them took male ruled employments in the assembling and development enterprises. Likewise, most ladies took administration positions in their families as their spouses passed on in the war. The war changed the job of ladies in the general public and constrained them to take male commanded positions, for example, legislative issues. Section of ladies into legislative issues is additionally prone to have begun during this

Into the Wild Journal free essay sample

I don't get that's meaning? Are for the most part biographers fair-minded? What may we anticipate from Krakauer? † * It implies that he will express his sentiment in arbitrary parts in the story. We would expect that he would concur with McCandless, yet * â€Å"In the last passage, Krakauer presents the multifaceted nature of Chris McCandless. Remember the accompanying four inquiries as you read the text:† 1. â€Å"Should we appreciate McCandless for his mental fortitude and honorable thoughts? † * somehow or another yes and no. Truly, in light of the fact that he is getting some significant abilities that he won't adapt anyplace else. No, in light of the fact that he ought to of conveyed I. D. o that when he kicked the bucket individuals would of realized that he was, so his folks would of known were he was over the most recent two years. 2. â€Å"Was he a crazy nitwit? † * Yes, since he didn’t tell anybody where he was going. Furthermore, he was pompous to not convey fundamental things for his excursion. We will compose a custom paper test on Into the Wild Journal or on the other hand any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page 3. â€Å"Was he insane? † * Yes, he was insane he didn’t need to tell individuals where he was going. What's more, he didn’t ever tell any individual who he truly was. â€Å"Was he pompous and idiotic and narcissist? † * Yes, he was haughty in light of the fact that he should individuals what he was doing and he ought to of told individuals who he truly was. â€Å"4. Making Predictions and Asking Questions† â€Å"Look up Outside Magazine and compose a full page portraying the magazine? † 1. â€Å"Why do you think Krakauer composed this specific book? † * People could of know McCandless life and how his excursion to Alaska and individuals could of known his hardship he confronted will bumming a ride â€Å"5. Presenting Key Vocabulary† â€Å"6. First Reading: Chapter 1 amp; 2† * â€Å"Note the sections that start every one of these parts. On is by a companion of Chris McCandless and the other is by McCandless, trailed by a citation from White Fang by Jack London? † * â€Å"Complete the character investigation for Chris McCandless:† Focus on the characters ethnics. † * His ethnics were that never to leave anything incomplete. He constantly needed to take care of business regardless. 2. â€Å"Deicide whether the characters activities are savvy or imprudent. † * His choices were impulsive on the grounds that he didn’t have any kind of plan and he was not well arranged. He never had a back up plan in the event that he were at risk for anything. 3. â€Å"What is the characters inspiration? † * His choices were that he simply needed to catch a ride to Alaska and needed to live outside and simply needed to escape from everybody. 4. â€Å"Consider the impacts of the character’s conduct on different characters. * His impact was that everybody needed to associate with him to tune in to the narratives that he would ell about him catching a ride to Alaska. He never tells anybody his genuine name, and uses the moniker of Alexander McCandless. 5. â€Å"Look for over and again utilized word s that portray the character. He utilizes word that portrays what he looks like. 6. â€Å"Is the Character ‘Flat’ or ‘Rounded’? A character is viewed as level (or static) when the person in question doesn't encounter change of any sort, doesn't develop from start to finish. Round characters are the individuals who do encounter a type of development. * He is a â€Å"rounded† character since he experience change and pardons his folks while he is in nature. â€Å"7. Section 3: ‘Home† * â€Å"Write a half page reaction of every one of the accompanying questions† 1. â€Å"What was Westerberg like? What sort of character did he have? † 2. â€Å"What was McCandless like? What sort of character did he have? OK like of known him? † McCandless was an individual that everybody like and each one regarded him for acting naturally. On the off chance that I could meet him I would of advised him to excuse his folks and to seek after his law profession. â€Å"8. Section 4: ‘The Journey† ) â€Å"Study the guide that starts part 4 and alludes to it as you follow McCandless’s venture. † a) â€Å"In your diary, list the individuals McCandless met en route. † b) â€Å"What was it about McCandless’s character that made an imprecision on individuals? † * It is that he is so free and he does anything he desires to do and everybody likes to help him since he recounts to a great deal of stories. The accounts are what individuals like to catch wind of. c) â€Å"Note Alex’s diary. For what reason do you think he abstained from utilizing the main individual when he discussed himself? Why doesn’t he utilize the pronoun ‘I’? * He abstained from utilizing the principal individual tone since he believe that the story is progressively about McCandless and he doesn’t need to concentrate to much on himself. d) â€Å"What was the motivation behind part 4? † * That he ought to have been conveying his I. D. since he was halted by movement and they didn’t recognize how to manage him since they didn’t know what his identity was. e) â€Å"Characterize Ronald Franz. What sort of individual right? Did he compassion? Why or Why not? † He was a decent individual and he did fell compassion when McCandless kicked the bucket and he wanted that McCandless would bite the dust since he was the last individual that he was with. ) â€Å"What more did you find out about Alex’s relationship with his dad? Do you think his indignation is legitimized? Why or Why not? † * That it was an adoration detest relationship and McCandless abhorred his dad yet he constantly cherished his mom. He didn’t need to hurt his folks be revealing to them he was going to Alaska.

Hamlet Paper Essay Example | Topics and Well Written Essays - 2250 words

Hamlet Paper - Essay Example This setting accentuates the prohibition of the individuals in this scene from the significant and illustrious individuals who are tucked up inside the château. It seems as though the creator is driving the crowd tenderly up to the manor from a significant distance and compelling them to stop and ponder the time and spot before handling the fundamental characters and plot. As the scene grows, be that as it may, it steadily turns out to be evident that this initial scene is setting down certain markers for what is to come. It does this by causing to notice three primary subjects which are: reliability to the ruler, the distinction among dream and reality, and the fear of some approaching however obscure wickedness. The initial lines of the play are clearly a trade between two gatekeepers, Bernardo and Francisco, who are changing spots since it is the ideal opportunity for one to complete his day of work, and the other one to begin. They address each other heartily but then additional ly deferentially, and unmistakably the two of them are in support of a ruler since Bernardo yells out â€Å"Long live the king!† (Act I, Scene 1, line 3) as a methods for recognizing who he seems to be. Both Bernardo and Francisco characterize themselves by their obligation of faithfulness to the lord, and in spite of the fact that they pay attention to their employments, it is by all accounts an existence of hardship, on the grounds that Francisco grumbles of the cold and of the way that he is â€Å"sick at heart.† (Act I, Scene 1, line 8). This equivalent presentation of dependability to the lord is rehashed when Horatio and Marcellus show up, announcing that they are â€Å"friends to this ground/And liegemen to the Dane.† (Act I, Scene 1, line 8). The Dane is a reference to the lord of Denmark, since rulers were regularly alluded to just with the name of the nation they governed, and it is Shakespeare’s method of making it understood to the crowd that the activity happens in this outside nation of Denmark. The unwaveringness of these men to the Danish position of royalty isn't at all addressed however a component of uncertainty sneaks in when it turns out to be evident that the spooky ghost before them is â€Å"In a similar figure, similar to the ruler that’s dead† (Act I, Scene 1, line 41). This reference illuminates the crowd that there has been an ongoing changeover in the majesty, and that the warriors have not yet acclimated to the new king’s rule. Bernardo says â€Å"Looks dislike the king?† (Act 1, Scene 1, line 43) and doesn't utilize an expression like â€Å"the old king†, or â€Å"the previous king†. This proposes he is as yet faithful to the old ruler and considers him consequently as the legitimate ruler. The officers ask Horatio, who is tended to as a researcher, implying that he has more instruction and status than the standard warriors, to address the spooky figure, and Hor atio as well, uncovers his affection and regard for the dead lord, whom he alludes to â€Å"the greatness of covered Denmark.† (Act I, Scene 1, line 48). For this situation the utilization drives home the message that if the destiny of the entire nation is tied up with the destiny of the ruler. This little trade infuses a component of tension into the scene, in light of the fact that the crowd will undoubtedly be considering what befell the old lord, and who is presently governing Denmark in his place. These inquiries are left lingering palpably, with the goal that the entire subject of sovereignty obtains an emanation of vulnerability. Additional data about the dead lord is given by Horatio, who apparently knew him, and battled with him

Professor Resume Examples, Template, and Resume Tips

Professor Resume Examples, Template, and Resume Tips Are you a professor?Congratulations for your career success this far. You can still achieve more.That means you should look into your resume and update it. But you have to do more than just updating it.You have to ensure that the format of your resume is right and that you’ve written the right thing.If you’ve been working for some time, meaning you haven’t been on the job market, you may be surprised by the changes in the HR industry.Probably the biggest change is that Applicant Tracking Systems (ATS) are now more common than they were five years ago. They have become more affordable and basic so nearly all companies are using them.The benefits are also immenseâ€"from the employer’s perspective obviously. This, as the challenges increase on your side.Applicant Tracking Systems filter out very many documents so as to give the hiring manager an easy time. Time is an expensive resource and companies are looking to save on it. The hiring process also gets more expensive with time .It therefore makes sense for companies to try and hire quickly.So, looking for a job now means beating the Applicant Tracking System and wowing the hiring manager.Can you do this?In this article, we focus on writing a resume that will wow the hiring manager. We tell you what to write and how to write it. Create your own resumeTHE MOST IMPORTANT SECTIONS OF A RESUMEYour resume serves a very simple purpose, that of introducing and giving important information about you. All the same, writing it isn’t as simple as the purpose.The competitive nature of the job market makes things even more challenging. You write your resume wrongly and you fail to get the job. You probably fail to even get noticed.Modern resumes are made up of sections, each providing specific information. They provide information about a particular aspect of you or your qualification.All in all, the resume will be seeking to convince its reader of your suitability.Although there can be many sections in any resume, t here are at least five which are of most importance. These are the personal information, work experience, education, skills and summary sections.We will look at each of these sections individually. We will also show you examples of how not to write and how to write those sections. This will help you correct any mistakes you’ll realize you had made in your resume.Personal informationThis section is responsible for introducing you to the hiring manager. As such, it contains the personal information which is needed to contact you in case you’re picked for the interview.Several pieces of information are necessary for introduction purposes. Let’s look at these.Your official name â€" the name you write on your resume must be your official name. This is your identity and you need to be careful how you communicate it. No matter what you do, don’t write your nick name here.Thomas 'Geek' McConnel WrongThomas McConnel RightYour name should be in a bigger font compared to the rest of the resume.Also, you have the freedom to use a different color for your name instead of black. Widely-acceptable colors are blue, green and orange. Just ensure that the specific shade is easy on the eyes.Your passport-size photo â€" it’s not a must that you include a photo of yourself. However, it helps with the identification when the hiring manager sees a picture of the applicant. If you’ve taken a good picture, then it can contribute in getting you selected for an interview. Pro TipPro tip:Do not take a selfie for your resume picture. Use a modern professional camera. Ensure the background is plain and put on a smile. You have to look both professional and friendly.Physical address â€" your physical address is important. Including it in your resume helps the hiring manager know how far from the company you live. This helps in making decision in terms of how fast you can be available at work.On your side, it can be a consideration during salary negotiations.You can ask for a higher allowance to cover for transport.Maybe the company provides transport for the staff or they can give you a company car. Your physical address is helpful to both parties.Email address â€" this is an important part of your identity. It’s also the most likely way you’ll receive your job offer and appointment letter in case you’re selected. As such, you have to provide a working email address.Moreover, the same way your photo has to be professional, so does your email address. It should reflect your true identity thus you have to use your official name.Unprofessional email address: johnhunkpunk10@ymail2.com WrongProfessional email address: johnmichael@yahoo.com RightMobile number â€" together with your email address, your mobile number forms the means by which you can be contacted. One of the biggest advantages of providing your mobile number is the convenience of being easily and quickly contacted.Whereas you may not have immediate access to your email, rarely will you b e away from your mobile phone. Any urgent communication can thus be received and responded to quickly.Social media links â€" these are not necessary but helpful, especially if your social media pages are cleaned up. The primary link to provide is LinkeIn. You can also choose to include Facebook and Twitter. Most hiring managers will look you up online anyway.Work experienceVery few roles in the market require little or no work experience. Such positions are usually open for filling by interns.Some companies may however not have specific internship programs but may hire employees with no work experience and train them.The roles being filled will however be less technical; requiring little expertise. This is a great learning experience though it may not apply to you.Being a professor, you have lots of experience in working in your field of expertise. Even if you’re an adjunct, you still have some experience worth mentioning to the hiring manager.In communicating your work experience , you can either talk about tasks and responsibilities or accomplishments. Either of these can work but generally, accomplishments are the best.Tasks and responsibilities create room for guesswork and assumptions and this is not good. You are basically saying that you did many things though the results are not easily visible.Accomplishments on the other hand work differently and better. They focus on the results you brought about through your employment. They also show the changes you introduced and tell the story of your employment better.Numbers are used in communicating accomplishments. Mention what the situation was like before you came in and the new numbers by the time you left. Here is an example of how that can look like.The wrong way of writing your work experienceWorked well with other team members and ensured patients were well treated. Kept patient records and ensured they were updated and available for doctors as well as other nurses. WrongThe right way of writing your work experienceManaged a team of 4 doctors and 3 nursesChecked on patients at least 3 times per shiftMaintained records of over 50 patientsHelped improve teamwork through good communication RightEducationApart from your work experience, your education levels also help you communicate your abilities. Even in cases where you don’t have any work experience, your education can provide some boost to your application.As a professor, you have lots of education to show off. The many hours you’ve spent learning and the time spent doing research is valuable. The only thing you have to do is communicate it as such.As you mention what school you went to and the course you did, you can also include a few of the key units you studied. This is however not a must though can be done.At the same time, you don’t have to list all the schools you attended and the courses and grades you attained.Generally, the most recent education level is fine. In most cases, starting from the bachelor’s degr ee is acceptable.In some cases, the school you attended can also boost your suitability.It’s also important to know that you should write about your education in reverse chronological order. Start with your most recent education level, similar to what you do with your work experience.If you have any special certifications or got admitted into the board of an influential association, include that.SkillsYour education and work experience are important. But that’s not all. You also need to communicate your skills to the hiring manager.Your skills show your abilities. Some of them are natural others are learned. All these make up your uniqueness and your mix of skills can make you stand out from the crowd.Some skills are common while others are quite unique. Mention the most important ones.If they’re many, select a few strategic ones.Look at the job you’re applying for and list the skills which are closely related to the job description provided.Below are some skills you can men tion which are in line with the job of a professor.You can replace these with your own skills. In case you think a certain skill is important but you don’t have it, learn it fast. Buy a book about the skill or do some reading online.Evaluation â€" professors must have evaluation skills. You’ll be critiquing your students and grading them. From your interaction with them, you should be able to see beyond their words. This helps you understand them and improve their success rates.Communication â€" there is no role in the job market which does not require communication skills. Even factory workers who don’t communicate with customers are still expected to have communication skills. This helps them communicate well with their colleagues.As a professor, you’ll be communicating with many people. From students to lecturers, maybe even government agencies and parents. As such, your communication must be above board. You must be able to project your voice in class so that those at th e back can hear you. For good communication, you need to develop your people skills.Flexibility â€" being a professor is no joke. There are many sacrifices to be made and the number of hours to be worked might be many. You might also be expected to teach in different campuses.You should therefore be able to work long hours, handle different shifts and still maintain some cheer. It’s critical to have a positive attitude and be passionate about your job.Leadership â€" leadership skills are vital for any professor since the position itself is one of leadership. Moreover, you’ll need to take charge of the class and give direction to the students.Weak leadership could result in chaos and confusion thus affecting learning. Since you’re also supposed to lead by example, the students will have little inspiration to learn from you if they can’t admire how you handle everything around teaching.Organization â€" with a busy schedule and tight deadlines, you must be a pro at organizing y our life. Time management is a must. Organizing your files and teaching materials is necessary, especially since, if you are an adjunct, you may not have official office space.You can’t afford going to the lecture hall looking confused. The students will see it and that will be a disservice to them.Critical thinking â€" as a professor, you’re not just a teacher, but an expert. You’ve done lots of studies and research and have a lot of knowledge to share. This is also exactly what students expectâ€"that you can answer virtually any question.What happens when you’re asked a question outside the syllabus? What if a student questions the logic behind the reasoning you’re teaching? You should be able to think on your feet and answer accordingly so as to inspire your students.Summary sectionThis is the last part of your resume we’re discussing. The summary is a very important part which is meant to summarize what your resume is saying.When the hiring manager reads it, she’s supposed to know what value you’re bringing to the company. This helps her make a quick decision about you since she sees what you’ve done elsewhere.There is an alternative of this called the career objectives.These tell the hiring manager what you look forward to doing or achieving in your new job.You can use this to show how dedicated, hardworking and results-oriented you are. The challenge however, is that the hiring manager may not be reading your resume from your perspective.As a person expected to make the best decision for the company, she may be wondering what you bring to the company and not what you get from it.This has fueled a discussion among hiring managers and the preferred thing to write is the summary. So, if you were to write objectives, consider changing your mind.You can also turn your resume duties into accomplishments.Resume summaries should also be written in a way that will increase your odds. Instead of just talking of what you’ve achieved in the past, use numbers to paint the picture.Compare the below two examples:Wrong way of writing your resume summaryI have been working for almost five years as an adjunct professor of law. I have helped develop curriculum and participated in training of lecturers to improve the student learning experience. I have a record of timely grading of assignments and have also helped develop an online learning system. WrongRight way of writing your resume summaryHelped develop an online learning system which increased the number of students by 70%Implemented strategies which improved faculty performance by up to 45%Introduced a new system which reduced by 20% the time taken to develop new curriculumTrained a total of 25 lecturers to help improve the lecturer-student ratio by 40% RightThere’s a big difference between the above two examples. Although they’re both communicating the same thing, the second format is more reader-friendly. It also captures the most important details well.Numbers always attract attention more than words.Also note the use of bullet points. The first example is short enough to be read quickly. But the second, though taking more space on paper, doesn’t actually seem long. It’s as though you’re only being told four things. Four brief facts.Watch the below video for tips on writing your resume summary. RESUME EXAMPLESWe promised to give you examples of resumes and here they are. One is of an adjunct professor of law and the other for a clinical professor.Check out how they’ve been written and see how you should include your information on your improved resume.For an easier time writing your resume, use our resume builder.Adjunct professor of law resume Right Clinical professor resume Right Create your own resumeCONCLUSIONDespite the high competition among professors, you can stand out from the crowd. The much you’ve achieved shows your dedication and passion. These are qualities which will help you move higher.Knowing how to write your resume, send it out confidently and enjoy the rest of your career.

Analyze the role of the African American female as portrayed in the novel Essaypilot

Richard Diyanni wrote extensively on literature covering parts of drama, novels and poems .He touched on topics that aroused a lot of controversy such as feminism during an age when the society was male dominated .One of these matters is that of the role of the African American female and how it has been affected by segregation. This is a key matter especially with the rise of postmodern feminism such as cultural feminism, black feminism, anarchy-feminism and liberal feminism. Diyanni in his anthology focuses on fiction, non-fiction and poems to build his and the audiences resolve on the roles of the African American female in the society.Roles played by the African American female. Family Education The African American female is an important pillar of the society from being the one to nature the children, the household manager, a companion and the primary teacher .The society begins with the youngest level that is children that eventually make up the future generations. In most situations the childs adult life is a product of their infantile experiences . These experiences are acquired through the hand of the mother thus the mental disposition claimed by her will eventually be transmitted to the child irrespective of their gender (Rosen, 2013). As stated by Didion(We remain blind to our fatal weaknesses) this intends to encourage the achievement of self-actualization and consequently self-respect through identify our flaws , gaining acceptance of them and further aiming towards the solving of some of these problems. With the alienation of the African American community , this atmosphere greatly affects the African American female with the already significant struggles of self-placement in the dominantly male prescribed society they find themselves in .This first level of alienation is experienced with their placement in society as the home is their center of operation .This basically cuts them off from the larger community in the day to day interactions level. Furthermore, with the second level alienation that is at the community level the hope for global communication avenues are cut off. This causes a rather streamlined psychological approach to the world that is more often transferred to the child. These effects of the external and internal communication or lack of them evidently shapes the outer world look of the African American female .This stand is further supported by Alice Walker. When the Other Dancer Is the Self. She explains how an individuals perception of anything is determined by their experiences using her own experience of a childhood accident that left a significantly profound effect on her mindset that eventually completely altered her attitude towards life and self (Walker, 2010). Through this accident she acquires an eye injury that leads to the death of her outer beauty and is subjected to a lot of torment at her new school with the term one-eyed bitch. With progression of the prose we are able to journey with her as she undergoes an evolution of character despite the environmental trauma she experiences . This process is fuelled by the psychological shift where she changes her outlook on beauty from outer beauty to a form of a silent inner beauty (Rosen, 2013).This leads to acceptance of self hence she raises her head no longer afraid of condemnation .Our attitude affects our perception of self therefore we remain blind to our fatal weaknesses, this can only be remedied by self-actualization and acceptance of self.( J.Holmes 1993.5 names environmental trauma as a cause of neurosis and character disturbance). The general atmosphere in which we are situated and its characteristics eventually negatively or positively manages to shape our character one that transmitted to a willing audience thus in a way the shaping of two characters with a single experience. Social roles At the society level the African American woman is expected to play a complimentary role to their male counterparts. This is as per the male dominated societal outlook. As a complimentary participant she is to keep and further grow the already constructed social relations. Alice Walker in the Color Purple demonstrates that purely female relationships that are fully functional and can develop and transform the society can exist on their own volition without the assistance of male relationship .She rather courageously states that these relationships also possess the capacity to cater for the womens spiritual and physical needs better than any male dominated society could ever be able to offer. Walker, in this case changes her outlook on the concept of segregation, she revels and thrives in it on all levels that there is by using an individualistic outlook specifically a feministic take .Despite the social evils experienced such as the inability to vote or have ownership of property or even arranged marriages and infantile betrothals she seeks to portray the African American female as a sound and self-sufficient unit. This is hopeful of the future roles to be played by the African American woman. This intention of elevation from the position occupied by the African American woman is a testament of the numerous inadequacies accommodated in social communication that Walker intends to eradicate with the establishment of a female dominated society. The effects of these male centered social settings are manifested in the growing of the dependent style of life among the African American women where they are overcautious and extremely tactful in their approach to life this diminishes the chances of acquiring an achievement style that ensures the attainment of self-set goals and sharing in the responsibilities. Thus it is correct to state that there is absence of belief in their individual effort and the effect it could have on self (Walker, 2010). All these conditions ensured that there was an absence of a role model to the African American female. This gap in society cemented their future as minorities in the society thus greatly interfered with the efforts of African American women to acquire any form of formal education since it seemed a wasteful venture with no real form of future compensation. Economic role The economy of the country is felt by all individual although we can clearly tell that the active participants are few .In this sense the African American woman is the certified household manager even without being properly equipped with the ability to make a significant change in her economic situation whether a daughter, sister ,mother or wife. This sense of helplessness even with the knowledge of the economic situation poses quite a challenge while their male counterpart gets to exercise their economic authority freely as they see fit (Lewis, 2012). William Shakespeare in his novels like King Lear has portrayed some of the women characters as the villain due to their rather calculative approach to their inability to make decisions by expertly manipulation a male character to make the decision of their choice for them. The fact that African American women are unable to own property puts them at a disadvantage .This means that at each and every stage of their life whether childhood or adulthood they will have to be subjected to a male authority. Furthermore being African American they were subjected to slavery while still being set apart thus could not meaningfully engage in meaningful economic pursuits (Lewis, 2012). This ensured a life of abject poverty even with the abolition of slavery since as a women they had no assets . This state is made worse by the conscription of their husbands in the army during the World Wars, they do not own property and are set apart unable to participate in economic activities on a larger scale. Anne Sextons poems talk of this despair experienced due to the inability to change your situation .Her poem Wanting to Die talks of mindless endurance. But suicides have a special language ,Like carpenters they want to know which tools .They never ask why build? The African American woman accepts her place though she is not pleased with this situation. The African American woman has grown and triumphed through all these experiences as stipulated by the roles appointed to her by both the community and her family .

Marcelo Brodskys Work Buena Memoria From the Perspective of Essay Free Essay Example, 3000 words

Among the military leaders involved in the coup was Colonel Juan Peron, who took over as the president. In 1946, he was elected the president and changed the constitution to favor a powerful presidency. His supporters even amended registration to spell strict punishments for anyone seen to be opposing the government. This led to the imprisonment of opponents, and suppression of any independent newspapers. In 1951, Juan was re-elected with a huge majority, but by 1952, his support started to wane (Broadsky, 2003). In June 1955 an attempted coup by the navy was crushed by the army, who were still loyal to him. This was, however, a short-lived relief, because, in September the same year, a combined operation by the three arms of the military overthrew Juan s administration. After intense fighting Juan resigned and went into exile in Paraguay, and later Spain. The new regime returned the federal constitution but another coup in 1966 lead by Juan Ongania returned military rule. In 1973, the Peronian party won the elections and Hector Campora became the president. Later, after some time, Juan Peron returned to Buenos Aires. We will write a custom essay sample on Marcelo Brodskys Work Buena Memoria From the Perspective of Essay or any topic specifically for you Only $17.96 $11.86/page It is while there that he took keen interest and learned photography. He returned to Argentina in 1984, after the fall of the dictatorial leadership. The memories of the atrocities meted on his people were still fresh in him. In 1996, Brodsky thought of creating a memory bridge between his own memories and the future generations (Battiti, 2010).

Teenage Pregnancy and the Media Essay - 1017 Words

Teenage Pregnancy Teenage pregnancy in the media influences young girls that it is okay to have children at a young age. The media glamorizes teen pregnancy and makes ordinary pregnant girls famous for the problem they have created. The different programs on television may show you that the teens struggle, but it also shows you how the girls get attention from everyone. They are being glamorized for something that isn’t good. Also, some young girls don’t always get the attention they want, so they do something dramatic for everyone to notice them or talk about them. Television programs like The Secret Life of the American Teenager, Teen Mom, 16 and Pregnant, and movies like The Pregnancy Pact, and Juno are all programs that glamorize†¦show more content†¦Television shows and movies are showing sex as if it was just another activity to participate in. The shows and movies show no value or the consequences of what can happen. What about sexually transmitted diseases? This gives te ens the wrong idea about sex and also encourages them to participate and have unprotected sex, because the shows and movies don’t show them using contraceptives. Most teens don’t think that it can happen to them. They don’t think that they will end up getting pregnant or get a sexually transmitted disease but it can, and what they see on television influences them. Teens are not capable or realizing what is right and what is wrong. They perceive things the wrong way. In the article called â€Å"Thug Culture is a Cancer Destroying Black America,† by Cynthia Tucker, it explains that rap music about sex, drugs, and alcohol influence teens to do the same things that they listen to in their songs. They are influenced to do bad things and this is a perfect example of how seeing teenage pregnancy in the media can give them the wrong perception. In society today, there are more shows about sex and teen pregnancy than there has been ever before. It shows teens and young adolescents that â€Å"everyone’s doing it† and that they should do it too. They show young girls getting pregnant by their boyfriends and how the teens weren’t informed about using birth control contraceptives. There are many controversies over sexShow MoreRelatedTeenage Pregnancy and the Media Essay1531 Words   |  7 Pagesgreat debate on whether or not mass media has an influence on teenage pregnancy. A study done by the RAND Corporation shows that teens are twice as likely to have sex or engage in sexual acts if they see similar sexual behavior in the media. Many objects in the media that involve sex target teens. Reality TV shows and teen dramas often portray the cool kids as the ones who are having sex (Chandra).Today’s teens are highly influenced by what they see in the media and this can change their behaviorRead MoreTeenage Pregnancy Essay1400 Words   |  6 Pageseconomic growth. Evidently, the younger generation represents the larger population of Belize and as suggested by a report, commissioned by the United Nations, Belize encompasses the highest rate of teenage pregnancy in the Caribbean followed by Guyana and Jamaica. Based on the media perspective, teenage pregnancy is a rising issue in Belize that should be taken more seriously. It’s an epidemic ruining lives and perpetuating poverty. According to Sheila Roseau, Director of UNFPA SROC, the birth-rates inRead MoreTeenage Pregnancy Essay1238 Words   |  5 Pageswhat most people say, or think, when they hear about the pregnancy of an adolescent girl. Early pregnancy, commonly referred to as teenage pregnancy, is an ongoing crisis throughout the world. However, the United States has the highest rates of teen pregnancy in the world. Since its peak in 1990, teen pregnancy rates have declined by half, but they are still fairly high. According to the National Campaign to Prevent Teen and Unplanned Pregnancy, â€Å"roughly one in four teens girls in the U.S. will getRead MoreTeenage Pregnancy : More And More Teenagers Are Becoming Pregnant Nowadays?1487 Words   |  6 PagesAnnamarie Harrell English II Honors Ms. Vandeusen April 13, 2013 Teenage Pregnancy More and more teenagers are becoming pregnant nowadays. Could it be because of the multiple television shows they could be watching about Teenage Pregnancy glamorizing the idea? Is the media suggesting to young adults that it is okay to be pregnant at a young age? Throughout the years, teenage pregnancy rates have increased due to the influence of mass media and the peer pressure teenagers are faced with every day; howeverRead More Views on Teens Pregnancies Through the Years Essay844 Words   |  4 PagesThe Views on Teens Pregnancies Through the Years There are many different attributes to teenage pregnancy. The majority of teenagers do not realize the consequences of their actions. Taking that into consideration the influences of the teens are highly important during the pre teen stage all the way to adult hood. During the time of this impressionable stage many of the teens are having sex not because of love, but because it is a trend. The media is glamorizing teen pregnancy and leading to a culturalRead MoreSolving Teenage Pregnancy Is Help Find Shelters907 Words   |  4 PagesOne solution to help solve teenage pregnancy is help find shelters which provide education for those who are in low-income environments or are in the foster care system which would reduce the rate of teens under the age of 19 from becoming pregnant. These shelters could provide help in finding work to help cover the cost of medical needs and other expenses. The shelters could find doctors who are willing to work with teenagers with lower-incomes or provi de lower cost for treatment for teenagers inRead MoreThe Effects Of Media On Teen Pregnancy1085 Words   |  5 Pagesthat raises concerns on sexual behavior. There are ways to reduce the bad impact media can provide for young viewers. We can increase the benefits media can provide to help prevent teen pregnancy. There are ways to approach your child in the correct way so that they actually listen to the message you’re providing them with. Media doesn’t just talk about pregnancy and shows the glamourous side of being a teen mom. Media also has websites that explain ways to stay abstinent for instants Stayteen.orgRead MoreTeenage Pregnancy And Teen Pregnancy Essay1611 Words   |  7 Pages Teen Pregnancy Meshia Williams Just because teenage pregnancy has decreased does not mean the problem is solved. Nearly all teenage pregnancies are unplanned. Teen mothers are nearly twice as likely to forgo prenatal care in the first trimester. This sets up complications along with health problems, costs, responsible fatherhood, education, and risky behavior. Babies are having babies before they’re even fully developed themselves; the environment, and media along with other things are all factorsRead MoreArgumentative Essay1417 Words   |  6 Pagesand Pregnant Promote or Discourage Teenage Pregnancy? Teenage pregnancy has become a major issue in today’s society for our adolescents. This is a major problem for all who are involved. It creates hurt and a struggle for on the parents, especially for the mother (Gonchar and Schulten). Also for the parent(s) of the teenager this creates struggles for them because more often than not, they end up with the load of caring and looking after the child while the teenage parents are at school or out doingRead MoreSince The Rate Of Unwanted Teenage Pregnancies Has Been1676 Words   |  7 PagesSince the rate of unwanted teenage pregnancies has been steadily decreasing over the past forty years (Patten, 2016), many young women will not be faced with the difficult challenges and life-altering decisions that a pregnant teen is presented with. However, of those teenage women who do face the burden of an unforeseen pregnancy, many come to realize how simple preventative measures could have saved them from having to deal with the social, fin ancial, and psychological difficulties caused by an

A Stitch Through Time - 2366 Words

A Stitch Through Time Before the quilting machine was created, each quilt was hand stitched together. Cave tenants strived to stay warm by wrapping themselves with animal skins; they used the advantage of joining fur together to form larger blankets. In time, one of them observed an animal bone on the terrain and thought to use it as a tool to thread together various furs. Undergoing many changes, the needle changed dramatically, from a bone to iron, from iron to steel, and from steel to other metals that lend themselves to elevated levels of modification. The needle is an essential tool that allows the creation of exceedingly complicated garments for much of the cultured world. On the other hand, its capability was long restricted to the†¦show more content†¦Factory workers were so worried that the sewing machine would put them out of employment that a fuming crowd smashed the eighty machines. This caused for a setback in additional study of the sewing machine for many year s. An American named Walter Hunt was yet another innovator of the sewing machine. In 1834, he devised the machine that utilized an eye-pointed needle and a moving shuttle. Neil Schlager and Josh Lauer inform how Walter Hunt â€Å"failed to patent it at that time and when he tried later to get it registered, he was rejected on the basis of ‘product abandonment’.† Isaac Merrit Singer was the largest and most successful name in the patent pool. Ten years later, he started working at a machine shop in Boston on 1851. When he was asked to repair a sewing machine, he came up with a better machine that he sold through his own company. All of which these innovators had in common, was the fact that they were still using the needle. One of the most important yet least discussed parts of the machine is the needle. Machine needles have a hole on the same end as the point. Opposite to the needlepoint is the shank, the top of the needle, which is connected to the machine. Und erneath the needle is called the shaft. While others are completely round, the needles that have a flat side on the shank are the universal needle. The scarf is the rut along the shaft and the back of a cutaway portion precisely around the opening. There is a diversity of needle dimensions,

Pros And Cons Of Cohabitation - 1763 Words

Hey, mom I just want you to know that Bob and I are going to live together. I know that you and dad do not agree with it, nonetheless, I am an adult and I am going to move into his place tomorrow. How can a parent see a child go through with a decision like this and know that he or she is making a wrong choice? Sometimes a young adult may make a choice that a parent does not like. As a result, a young adult has now plunged into cohabitation. Does it really matter if you cohabitate before marriage? In finding the answer to this problem, I have come across two articles which help explain the pros and the cons of the question, â€Å"Should couples cohabitate or get married?† The first article is Sliding Versus Deciding: Inertia, the†¦show more content†¦Ones that wait until they are engaged have a better relationship and the dedication is much better with the partner. In studies, they have found when a couple gets engaged and decide to cohabitate after the engage ment the likelihood of getting a divorce is like a couple that has gotten married. On the other hand, someone decides to live together, that decision made may have a lasting effect on the future. Cohabitation is a way of testing the water to see if this really is something for the future or not, this arrangement is short lived usually lasting about five years. A woman realizes that the time of cohabitation the biological clock has been ticking and having children has become slimmer to have a little one. After living with a person then determining the next step, the marriage rate of getting a divorce is higher than if someone were to have gotten married in the first place. Larson claimed, â€Å"It does not provide divorce insurance. Couples will be better off on life’s measure of success and happiness (e.g., emotional health, physical health, and personal wealth) if they are married rather than living together.† (11) Marriage is an effective way to let each other know that someone will be there no matter what. A commitment to let each other know what really matters to a spouse. â€Å"Even though people who marry do not always live â€Å"happily ever after,† people who choose marriage instead of cohabitation choose the bestShow MoreRelatedPros and Cons of Cohabitation3197 Words   |  13 Pageswould argue the accusation false. As a whole, the liberal population would probably concur. But despite their continuously supported â€Å"pros† of premarital cohabitation, it is partly—and largely—responsible for the destruction of marriage as a sacrament and as an institution in America. In the following pages, I will address the sexual ethical issue of cohabitation prior to marriage. While it is clear my standpoint is solidly against this practice, I will analyze multiple facets of position on theRead MoreThe Pros And Cons Of Cohabitation Before Marriage1563 Words   |  7 PagesThe Pros and Cons of Cohabitation befo re Marriage Introduction Social scientists have defined cohabitation as a situation where two adults, male and female live together in a relationship that is intimate and non-marital. The two make living arrangements without legal bounds to stay together before getting married. In most of the countries and in this case in the United States, cohabitation is a common feature among the American family life (Stokes Raley, n.d). It has become a typical pathway toRead MoreLiving Together Before Marriage997 Words   |  4 Pages31 months† (Shah). Deciding whether or not to live together before marriage is an important decision to make, and today I would like to inform you about the pros, cons, financial and religious aspects of the topic. Transition: Before making the decision of living together before marriage, you first need to know the pros. II. Topic #1: Pros living together include: A. First: You get to learn more about your partner before you commit to marriage.   1. Few things will strengthen your bond like experiencingRead Moreterm paper about living together before marriage1464 Words   |  6 Pagessentiment. In generation past, marriage and living together forever are a last destination of love. However, in recent decades, many couples often living together before marriage and after that they decide to walk down the aisle or not. Pre- marital cohabitation definitely has proximate causes which from objective reason to subjective reason. Besides, living together before marriage also has its benefits and injuries. The last and most important is consequences which leave behind. EveryRead MoreMarriage Vs Cohabitation : Marriage And Cohabitation1055 Words   |  5 PagesMarriage Vs Cohabitation Introduction: The picture of family has changed dramatically in the last fifty years, due to the incline of cohabitation before marriage. Cohabitation is extremely popular and has become quite the trend. When looking at both married and cohabitating couples there are advantages and disadvantages to both, but when one looks at the day to day small things they share some common ground. The Pros of Marriage: The tradition of marriage was intended to keep couples togetherRead MoreMarriage And Cohabitation : Marriage Vs Cohabitation1111 Words   |  5 PagesMarriage Vs Cohabitation The picture of family has changed dramatically in the last fifty years, due to the increase of cohabitation before marriage. Cohabitation is extremely popular and has become quite the trend. When looking at both married and cohabiting couples, there are advantages and disadvantages to both, but when one looks at the day-to-day small things they share some common ground. The Pros of Marriage The tradition of marriage was intended to keep couples together for the rest ofRead MoreCohabitation1285 Words   |  6 Pagesï » ¿Raema Miles ENC1101 (online) T. Thomas 11/22/2014 Word Count: 1131 Cohabitation Before Marriage is it Good or Bad? One significant increase in trends is living together before marriage which has created a new term called: Cohabitation. Cohabitation has become very popular among our society in the United States.   According to the latest data from the CDC, nearly half of American women aged 15-44 have lived with a partner sans wedding ring between 2006-2010, up from just 34 percent of women in 1995Read MoreCohabitation Between Cohabitation And Cohabitation Essay1366 Words   |  6 PagesCohabitation refers to an unmarried couple who live together. Living together before marriage is no longer taboo, instead it has become an accepted and expected milestone of adulthood. Cohabitation isn’t a new phenomenon, in fact it became prevalent in the 1970s due to the sexual revolution and the access of birth control. It has become increasingly prevalent over the past three decades. A total of 4.9 million households consisted of heterosexual cohabiting couples in 2000 (Sassler, 2007). TheRead MoreS inglehood, Hanging Out, Hooking Up, and Cohabitation778 Words   |  4 Pages* Jesus Solorio * Prof. Molly Elchlepp Fassler * Psychology 105 * Monday 19th 2010 * Chapter 5 * * * Singlehood, Hanging Out, Hooking Up, and Cohabitation This chapter focuses on the aspects of singlehood and the â€Å"benefits† of it as well as the downs. The Primary advantages of singlehood are the freedom that is possessed and the control over their own life. Some of the social movements which promoted singlehood are: - The sexual revolution movement: involvedRead MoreCohabitation By Andrew J. Postag81v1 s Article From 2004, The Deinstitutionalization Of American Marriage Essay1487 Words   |  6 PagesOver the past few decades, cohabitation has become more recent for couples and families. Cohabitation is when a couple who is not married is living under the same roof as if they are married. It does not refer to roommates or family members who live together, at least two people have to be in a romantic union for it to count as cohabitation. Cohabiting can be for a variety of different reasons. In the 1990s, around 2.5 million people were cohabiting but as of 2015 about 8.3 million people were

Training Report on Wholesale Banking Operation in Axis Bank. Free Essays

string(48) " shares for cash at a price of Rs 21 per share\." REPORT ON SUMMER TRAINING OF Submitted to KCL-IMT (PTU) In partial fulfillment of the requirements for the award of degree of MASTER OF BUSINESS ADMINISTRATION Submitted by: Name of the student : KIRAN DOGRA Roll No: 1174251| Supervisor: Dr. SUKHMANI WARAICH Ass. prof. We will write a custom essay sample on Training Report on Wholesale Banking Operation in Axis Bank. or any similar topic only for you Order Now | DEPARTMENT OF MANAGEMENT KCL-IMT JALANDHAR BATCH-2011-2013 DECLARATION I, â€Å"KIRAN DOGRA†, hereby declare that the work presented herein is genuine work done originally by me and has not been published or submitted elsewhere for the requirement of a MBA program me. Any literature, data or works done by others and cited within this research project has been given due acknowledgement and listed in the reference section. _______________________ (Student’s name ; Signature) PREFACE Someone has rightly said that practical experience is for  better and closer to the real world then mere theoretical exposure. The practical experience helps the students view the real world closely, which in turn widely nfluences their  perceptions and argument their understanding of the real situation. Report work constitutes the backbone of any management education program me. A management student has to do report work quite frequently during his entire span. The report work entitle â€Å"WHOLESALE BANKING OPERATION OF AXIS BANK† aims to analyze var ious services and products provided by AXIS and for this purpose TANDA city have been chosen. CERTIFICATE This is to certify that the project work of Ms. KIRAN DOGRA on WHOLESALE BANKING OPERATION with AXIS BANK has been compiled under my supervision and guidance. _________________________ (Faculty Name ; Signature) ACKNOWLEDGEMENT I present this project report on â€Å"whole banking operations† IN AXISBANK LTD. , WARDHA with a sense of great pleasure and satisfaction. I undersign with pleasure take this opportunity to thank all those related directly or indirectly in preparation of this project report. I started working on this project under the invaluable guidance of Honorable Miss. Riddhi Deshpande mam for which I am very much thankful for her valued time given for the purpose. Without her co-operation our project work would have been difficult to complete. I express our sincere thanks to Mr. HITESH RAWAL, (Branch Manager) in Axis Bank Ltd. ,TANDA and staff in that organization. I am also thankful to Dr. INDERPREET SINGH sir [Director of our college] and Miss. sukhmani waraich [Project In charge] to allow us to carry out this project. I also thank all my friends who have more or less contributed to the preparation of this project report. I will be always indebted to them. INDEX S. No. | CHAPTERS| PAGE No. | 1. | CHAPTER – 1 (COMPANY PROFILE)| 8-22| 1. 1 | Introduction of axis bank| 8| 1. 2| History of axis bank| 9-13| 1. 3| Management of axis bank| 14-15| 1. | Definition of banking| 15| 1. 5| Meaning of banking| 15| 1. 6| Product of axis bank| 15-16| 1. 7| Customer services on banking operation| 16-17| 1. 8| Traditional banking activity | 17| 1. 9 | Accounting for bank account| 17-18| 1. 10| Economic function| 18-20| 1. 11| Types of investment ban| 20| 1. 12| Mortgage banking| 20-22| 1. 13| KYC (know your customer)| 22| 1. 14| Co mpetitors | 22| | | | 2. | CHAPTER – 2| 23-26| | Need, Scope, Objectives, methodology and limitation of the study. | 23-26| | | | | | | 3. | Chapter – 3| 27-38| 3. 1| Project introduction| 27| 3. 2| Meaning of wholesale banking operation| 27-28| . 3| Concept | 28-34| 3. 4| Current account information| 34-35| 3. 4. 1| Channel one:(for successful business)| 34| 3. 4. 2| Builders and real estate| 35| 3. 5| Training in wholesale banking operation| 35-38| 3. 5. 1| Corporate| 35-36| 3. 5. 2| Small and medium enterprises| 36-37| 3. 5. 3| Government | 37-38| | | | 4. | Chapter – 4| 39-51| 4. 1| Data analysis| 39-51| | | | 5. | Chapter – 5| 52| 5. 1| Finding and suggestion| 52| 5. 2| Conclusion and recommendation| 52| | | | 6. | Chapter – 6| 53| | Bibliography| 54| | Appendices-Customer Feedback Form| 55-57| CHAPTER 1 1. COMPANY PROFILE 1. INTRODUCTION OF AXIS BANK Commercial banking services which includes merchant banking, direct finance infrastructure fi nance, venture capital fund, advisory, trusteeship, forex, treasury and other related financial services. Axis Bank Limited  is an Indian  financial services  firm that had begun operations in 1994, after the  Government of India  allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of India  (UTI),  Life Insurance Corporation of India  (LIC), General Insurance Corporation Ltd. , National Insurance Company Ltd. The New India Assurance Company,  The Oriental Insurance corporation  and  United India Insurance Company  UTI holds a special position in the Indian capital markets and has promoted many leading financial institutions in the country. As on the year ended 31 March, 2012, Axis Bank had an operating revenue of 13,437 crores and a net profit of 4242 crores. Axis Bank opened its registered office in Ahmedabad and corporate office in Mumbai in December 1993. The first branch was inaugurated in April 1994 in Ahmedabad by Dr. Manmohan Singh , then the honorable Finance Minister . 1. 2 HISTORY OF AXIS BANK 1993: The Bank was incorporated on 3rd December and Certificate of business on 14th December. The Bank transacts banking business of all description. UTI Bank Ltd. was promoted by Unit Trust of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the first private sector bank to get a license under the new guidelines issued by the RBI. 1997: The Bank obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as `Trustee to Debenture Holders’. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7. crores, GIC and its four subsidiaries Rs 1. 5 crores each. 1998: The Bank has 28 branches in urban and semi urban areas as on31st July. All the branches are fully computerized and networked through VSAT. ATM services are available in 27 branches. The Bank came out with a public issue of 1,50,00,000 No. of equity shares of Rs10 each at a premium of Rs 11 per share a ggregating to Rs 31. 50crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. You read "Training Report on Wholesale Banking Operation in Axis Bank." in category "Essay examples" Out of the public issue 2, 20,000 shares were reserved for allotment on preferential basis to employees of UTI Bank. Balance of 3, 47, 80,000 shares were offered to the public. The company offers ATM cards, using which account-holders can with draw money from any of the bank’s ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational flexibility for its customers. UTI Bank will sign a co-brand agreement with the market, leader, Citibank NA for entering into the highly promising credit card business. UTI Bank promoted by India’s pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries. 1999: UTI Bank and Citibank have launched an international co-branded Credit card. UTI Bank and Citibank have come together to launch an international co-branded credit card under the Master Card umbrella. UTI Bank Ltd has inaugurated an offsite ATM at Ashok Nagar here, taking the total number of its offsite ATMs. 2000: The Bank has announced the launch of Tele-Depository Services for Its depository clients. UTI Bank has launch of `I Connect’, its Internet banking Product. UTI Bank has signed a memorandum of understanding with equitymaster. com for e-broking activities of the site. Infinity. com financial Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface. Geojit Securities Ltd, the first company to start online trading services, has signed a MoU with UTI Bank to enable investors to buysell demat stocks through the company’s website. India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India for providing loans against hares to SCHCIL’s customers and funding investors in public and rights issues. ICRA has upgraded the rating UTI Bank’s Rs 500 crores certificate of deposit programmed to A1+. UTI Bank has tied up with LT Trade. com for providing customized online trading solution for brokers. 001: UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has opened two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355. UTI Bank has recorded 62 per cent rise in net profit for the quarter ended September 30, 2001, at Rs 30. 95 crores. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crores. The total income of the bank during the quarter was up 53 per cent at Rs 366. 25 crores. 2002: UTI Bank Ltd has informed BSE that Shri B R Barwale has resigned as a Director of the Bank w. . f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the bank’s board in the third quarter of last year. His place continues to be vacant. MD a modern took over as the director of the board after taking in there INS of UTI. B S Pandit has also joined the bank’s board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been appointed as an Additional Director Nominee of CDC Financial Service (Mauritius) Ltd of the Bank . And Shri Donald Peck has been appointed as an Additional Director (nominee of South Asia Regional Fund) of the Bank. UTI Bank Ltd has informed that on laying down the office of Chairman of LIC on being appointed as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank. 2003: UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. – UTI Bank, the private sector bank has opened a branch at Nellore. The bank’s Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on May 26. Speaking on the occasion, Dr Nayak said. This marks another step towards the extensive customer banking focus that we are providing across the country and reinforces our commitment to bring superior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD have decided the following: 1) To appoint Mr. A T Pannir Selvam, former CMD of Union Bank of India and Prof. Jayanth Varma of the Indian Institute of Management, Ahmadabad as additional directors of the Bank with immediate effect. Further, Mr. Pannir Selvam will be the nominee director of the Administrator of the specified undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma will be an Independent Director. 2) To issue Non-Convertible Unsecured Redeemable Debentures up to Rs. 100 crores, in one or more tranches as the Bank’s Tier – II capital. -UTI has been authorized to launch 16 ATM son the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the debt recovery tribunal at Mumbai to recover Rs. 5cr in dues. -UTI bank made an entry to the Food Credit Programme; it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. -Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-pai d travel card ‘Visa Electron Travel Currency Card’ -Allotment of 58923equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified Undertaking of the Unit Trust of India(UTI-I) has resigned as a director from the Bank w e f November 12,2003. -UTI Bank unveils new ATM in Sikkim. 2004: Comes out with Rs. 500 Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI – I) has been appointed as an Additional Director of the Bank w. e. f. January 20,2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pact for trading platform in Qatar -UTI Bank ties up with Shri ram Group Cos-Unveils premium payment facility through ATMs applicable to LIC UTI Bank customers –Metal junction (MJ)- the online trading a nd procurement joint venture of Tata Steel and Steel Authority of India(SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems Private Ltd, a wholly owned subsidiary of Diebold Incorporated, has secured a major contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. % stake in UTI Bank for . 6 m -UTI Bank installs ATM in Thiruvananthapuram –Launches Remittance Card’ in association with Remit2India, a Web site offering money transfer services. 2005: * UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling general insurance products through its branch network. * UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore. 2006: * UBL sets up branch in Jaipur. UTI Bank unveils priority banking lounge. * UTI Bank launches operations of UBL Sales, its Sales Subsidiary -Inaugurates its first office in Bangalore. * UTI Bank announces the launc h of its Credit Card Business. * UTI Bank becomes the first Indian Bank to successfully issue Foreign Currency Hybrid Capital in the International Market. * UTI Bank Business Gold Debit Card MasterCard Launched – Designed for business related spending by SMEs and self employed professionals. 2007: AXIS Bank Ltd has informed that consequent upon handing over charge as Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), Shri. S B Mathur, the Nominee Director of SUUTI has resigned as a Director of the Bank December 06, 2007. * AXIS Bank Ltd has informed that Fitch Ratings on December 14, 2007, has upgraded the Bank’s National Long-term rating to ‘AAA(ind)’ from ‘AA+(ind)’. * AXIS Bank Ltd has appointed Shri K N Prithvi raj as an Additional Director on the Board at Directors of the Bank. * Company name has been changed from UTI Bank Ltd to Axis Bank Ltd. 008: * Axis Bank launches Platinum Credit Card, India’s first EMV chip based card. * Axis Bank set up its branch at Ilanji at Meenakshi Nagar on the Coutralam-Madurai road on April 16. 2009: * Axis Bank today said its board has recommended the appointment of Shikha Sharma, currently chief of ICICI group’s life insurance business, as its next managing directo r and CEO. * Axis Bank has set up a new branch at Perumbavoor. The bank has a network of 832 branches along with 8 extension counters and 3622 ATMs across the country. Axis Bank, on Wednesday entered into a strategic alliance with Motilal Oswal, the financial services firm, in order to facilitate the online trading for the bank’s customers. * AXIS Bank Ltd has informed that the Board of Directors of the Bank at its meeting held on June 01, 2009, inducted Smt. Shikha Sharma as an Additional Director of the Bank. * Axis bank has received final clearance from the Securities and Exchange Board of India (SEBI) to begin its mutual fund operations and will launch debt and equity schemes soon whereas IDBI Bank is awaiting the regulator’s permit for an entry. Axis Bank opened the new branch at Irinjalakuda while it has a network of 892 branches, 8 extension counters and 3,806 ATMs across the country. 2010: Axis Bank Limited has informed that at the meeting of the Board of Direc tors held on January 15, 2010, the following decisions were taken: * To appoint Dr. Adarsh Kishore, former Finance Secretary, Government of India and former Executive Director, International Monetary Fund representing Bangladesh, Bhutan, India and Sri Lanka as the Non-Executive Chairman of the Bank, subject to RBI approval; * To appoint Shri S. B. Mathur, former Chairman, LIC and the National Stock Exchange of India, as an Additional Independent Director, with immediate effect. 1. 3 MANAGEMENT OF AXIS BANK ORGANIZATION STRUCTURE OF AXIS BANK PROMOTERS: Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country, UTI. The Bank was set up with a capital of Rs. 115 crores, with UTI contributing Rs. 100 Crores, LIC – Rs. 7. 5 Crores and GIC and its four subsidiaries contributing Rs. . 5 Crores each SUUTI – Shareholding 27. 02%Erstwhile Unit Trust of India was setup as a body corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from1st February 2003. In accordance with the Act, the Undertaking specified as UT I I has been transferred and ested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along with 6. 75% US-64 Bonds,6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has currently appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and administer the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold. 1. 4 DEFINITIONS OF BANKING A bank is a financial institution licensed by a government. Its primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment funds. Banking can also be defined as engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit. Transacting business with a bank: Depositing or withdrawing funds or requesting a loan. Bank – a supply or stock held in reserve for future use (especially in emergencies) 1. 5 MEANING OF BANKING An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them; discounts notes, makes loans, and invests in securities; collects checks, drafts, and notes; certifies depositor’s checks; and issues drafts and cashier’s checks. 1. 6 PRODUCT OF AXIS BANK * Product of axis bank * Easy Access Saving Account Saving Account for Women * Prime Saving Account * Senior Citizens Saving Account * Priority Banking * Corporate Salary Account * Trust /NGOs Saving Account * Resident Foreign Currency Account * Online Trading Account * Current Account * Term Deposits * Locker Facilities * NRI Services * Depository Services * Financial Advisory Services * Wealth Management Services * Insurance Solutions – Life and General * Retail Loans * Credit Loans * Travel Currency Cards * Remittance Cards * Gift Cards 1. 7 CUSTOMER SERVICE IN BANKING OPERATION * Cheque Drop Box Facility RBI’s Committee on Procedures and Performance Audit on Public Services has recommended that both the drop box facility and the facility for acknowledgement of the cheques at the regular collection counters should be available to customers and no branch should refuse to give an acknowledgement if the customer tenders the cheques at the counters. * Issue of Cheque Books: The Committee has observed that some banks do not allow depositors to collect their cheque book at the branch but insist on dispatching the cheque book by courier to the depositor. Further, it is stated by the Committee that the deposit or is forced to sign a declaration that a dispatch by the courier is at the depositor’s risk and consequence and that the depositor shall not hold the bank liable in any manner whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unfair practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also ensure that cheque books are delivered over the counters on request to the depositors or his authorized representative. Statement of Accounts / Pass Books: The Committee has noted that banks invariably show the entries in depositor’s passbooks /statement of accounts as â€Å"By Clearing† or â€Å"By Cheque†. Further, in the case of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not provide any details even though brief particulars of the remittance are provided to the receiving ba nk. In some cases computerized entries use sophisticated codes which just cannot be deciphered. With a view to avoiding inconvenience to depositors, banks are advised to avoid such inscrutable entries in passbooks statements of account and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks may also ensure that they adhere to the monthly periodicity prescribed by us while sending statement of accounts. 1. 8 TRADITIONAL BANKING ACTIVITIES Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers on the bank, and collecting cheques deposited to customers’ current accounts. Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits, and by issuing debt securities such as bank notes and bonds. Banks lend money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money lending. Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments. Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. 1. 9 ACCOUNTING FOR BANK ACCOUNT Bank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit). However, if you read your bank statement, it will say the opposite—that you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credit) balance; if you are overdrawn, you have a negative (or deficit) balance. There a son for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the bank’s liability, so they are credit accounts (which should have a positive balance). Conversely, your loans are your liabilities but the bank’s assets, so they are debit accounts (which should have a also have a positive balance). Where bank transactions, balances, credits and debits are discussed below, they are done so from the viewpoint of the accountholder—which is traditionally what most people are used to seeing. 1. 10 ECONIMIC FUNCTION * Issue of money: In the form of bank note sand current accounts subject to cheque or payment at the customer’s order. These claim son banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par. They are effectively transferable by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * Netting and settlement of payments: Banks act as both collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economies on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * Credit intermediation: Banks borrow and lend back-to-back on their own account as middle men. * Credit quality improvement: Banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the bank’s assets and capital which provides a buffer to absorb losses without defaulting on its obligations. However, banknotes and deposits are generally unsecured; if the bank gets into difficulty and pledges assets as security, to raise the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position. Maturity Transformation: Banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) and redemptions (e. g. withdrawals and rede mptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if needed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets). Banking channels: Banks offer many different channels to access their banking and other services: * A branch, banking centre or financial centre is a retail location where a bank or financial institution offers a wide array of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial institution’s customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider range of services to a wider range of users. For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the bank’s account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system where in written documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties. Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society’s secure website. * Mobile banking is a method of using one’s mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a videoconference enabled bank branch. 1. 11 TYPES OF INVESTMENT BANKS * Investment banks â€Å"und erwrite† (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * Merchant banks were traditionally banks which engaged in trade finance. The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. 1. 12 MORTGAGE BANKING Mortgage banking deals primarily with originating mortgage loans and servicing them. Read more about it here as well as about what a career in mortgage banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specifically with originating mortgage loans as well as servicing them. Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie Mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the nitty-gritty of mortgage banking. * Mortgage Banks Specialize in Mortgage Loans: Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans. Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * Mortgage Banks Differ in Size: While some mortgage banks can be nationwide, others can originate a volume of loan that can exceed that of a commercial bank that is nationwide. Many of these mortgage banks utilize specialty servicers like Real Time Resolutions to carry out tasks like fraud detection work and repurchase. Mortgage Banks have Two Sources of Revenue: The two main sources of income are from loan servicing fees (if they are into loansevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitled to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning revenue for providing servicing of the loan every month the borrower keeps the loan. Different Banking Laws Apply to Mortgage Banks: Mortgage banks usually operate under banking laws that are quite different, according to the state they operate in. You will need to check each individual state’s financial department or state banking in order to get list of mortgage bankers in each state. While federal laws apply to the operation of a federal bank, in terms of consumer protection, usually consumers have additional rights, which are applicable according to each state. * Mortgage Bankers can be More Competitive: Since they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that are low cost, which federal banks are typically associated with, and federal money access. * A Career in Mortgage Banking: Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some specific experience or training related to the field. Skills in good customer service, an inherent ability with numbers, and computer skills are also essential requirements for mortgage banking jobs. A mortgage banking professional’s job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the process of application as well as closing. The loan officer has to be very organized and detail oriented, and need to be able to handle the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing. A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. 1. 13 KYC (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three proofs from their customers they are1 Photograph2 Proof of Identity3 Proof of address Accordingly, Axis bank has framed its KYC procedure according to which, a photograph and documentary proof of personal identification and address proof are required t be provided. The account Opening form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our websitewww. axisbank. com for such information which is displayed product-wise. 1. 14 COMPETITORS 1. ICICI Bank Ltd. 2. HDFC Bank Ltd. 3. State Bank of India 4. HSBC Bank 5. RBS (Royal Bank of Scotland) 6. Maharashtra Bank of India 7. Canara Bank 8. Andhra Bank 9. IDBI bank 10. Bank of India 11. Punjab National Bank 12. Central Bank 13. Allahabad Bank 14. ING Vysya 15. Centurion Bank CHAPTER 2 2. NEED, SCOPE, OBJECTIVE, METHODOLOGY AND LIMITATIONS OF THE STUDY 2. 1 NEED OF RESEARCH The research is significant for me and the bank thus significant as follow to the trainee as follow: – * To the trainee †¢The research has provided the trainee practical knowledge regarding the organization working, survey and other aspect of marketing. †¢This research is also essential for me in fulfillment of MBA curriculum. * To the bank Research would help the bank to get the lead of potential customer and current satisfaction level among existing relationship companies †¢To study the opportunity of cross sailing of other product and services †¢The suggestion provide the researcher will be helpful to improvement of class and quality of service to new and current customers and also help to enhance the activities * To the customer †¢The research will become a medium to convey the dissatisfaction factor to the appropriate pe rson in the management 2. 2 SCOPE OF RESEARCH The research was conducted for AXIS bank limited in Hoshiarpur City. The research was conducted in operational and marketing aspect of the bank products and survey. The research collected to detail information by personal interview and data collection sheet. 2. 3 OBJECTIVES OF THE STUDY This study has been conducted with a variety of important objectives in mind. The following provides us with the  objectives that have tried to achieve through the study. The extent to which these objectives have been met could judge from the conclusions and suggestions, which appear in the later of this study. The main objective of the study is to know about the potential of the market regarding people’s dealing in financial services. †¢ To know the role of all financial services. †¢ To know where people have already opened their Account and on what basis. 2. 4 RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on specific topic. The logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for achievement of objectives of the project. With the adoption of  this others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving account holders of District HOSHIARPUR. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with other  banks direct personal interview method with structured questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspaper a nd by surfing on internet. And the guide in the organization was consulted at many times. 2. 5 SELECTION OF THE SAMPLE It becomes impossible to contact each and every individual of the population due to limitations of essential resources like time and money. Therefore, the study is preferably allowed down to a representation sample to make the study more manageable. Keeping in view the objectives and resource limitation of the study, 100 respondents were considered. Respondents – 100 The selected sample is representative of the population and is accurate and practicable. 2. 6 SAMPLING TECHNIQUE To study the Project, a Simple Random Sampling technique is used. 2. 7 SAMPLING PLAN The following factors will be taken into consideration within scope of sampling plan. 1 Sampling unit: It defines the target population that will be sampled i. e. it answers who is to be surveyed. In this study, the sampling unit is customers using internet banking. 1 Sampling size: It indicates the numbers of people to be surveyed. Though large samples give more reliable results than small sample but due to constraints of time and money, the sample size was restricted to 50 respondents. 2. 8 COLLECTION OF DATA After the research problem has been defined and the research design has been chalked out, the task of data collection begins. The data can be collected mainly through primary sources, but it was supplement with secondary data. * Primary data collection: Primary data is the data which is collected through observation or direct communication with the respondents in one form or another. These are several methods for primary data collection like Observation Method, Interview Method, through schedules, through questionnaires and so on. * Secondary data collection methods: Secondary data is collected through Internet. Internet We also take into consideration the internet facility with which we  collect lot  of  latest information. * Journal and publications of different banks We also take into consideration the journals and publications issued by the bank  at different times. We  comes to know about the Branches, ATM, locations and other useful information. 2. 9 LIMITATION OF RES EARCH Every research has its own constraints which keep limitation to work similarly this research has also limitation due to which the researcher could not get detailed information regarding project. These are: – Though full efforts have been made but due to the lack of past experience in the marketing field I failed some areas have been left from including in the study †¢ Due to the limitation of time I was unable to cover more sample (data collection sheet) and to fridge the lead granted. CHAPTER 3 PROJECT INTRODUCTION 3. 1 PROJECT INTRODUCTION As a part of curriculum the students of MBA have to undergo Summer Internship Program (SIP). Wherein a student gets the knowledge about practical life, how the work is done in companies, how to get acquainted with working conditions and other many such things, etc. he main aim behind this program is that students get some experience with which he could get assistance while searching the job. This program is generally provided b y a company and it lasts for at least two months. Students as per their specializations could apply for SIP and get the opportunity to work in a company, which the college suggests. As a management student I also have to undergo SIP. I got the opportunity to complete this program in AXIS BANK LTD. , for two months. Axis bank is one of the leading BANKS in banking sector in India. First of the two months was devoted to training. Our training started with the session of information about bank product and sale sand – what is the meaning of the concepts, importance of sales and marketing was taught. The second part was about open an account-why we open an account in bank, about the banking sector- as avenue for investment, how banking sector is Better Avenue for investment. The next session was about detailed knowledge about banking sector-how to sell these products in market. The last session was about the practical knowledge about how to get appointment of customers and how to convince them to take the product. In the second month we have sell the products directly in the market, procedure of selling the products etc. 3. 2 MEANING OF WHOLESALE BANKING OPERATIONS The Wholesale Banking contains products sold to large and middle market commercial companies, as well as to consumers on a whole sale basis. This includes lending, treasury management, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through Wells Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank. Wells Fargo historically has avoided large corporate loans as stand-alone products, instead requiring that borrowers purchase other products along with loans which the bank sees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending: lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is â€Å"Wells Fargo Foothill,† and is regularly marketed into mb stone ads in the Wall Street Journal. Wells Fargo also owns East dil Secured, which is described as a â€Å"real estate investment bank† but is essentially one of the largest commercial real estate brokers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions: 1. Opening of Account 2. Issue of Check book 3. International Debit / Credit Card 4. Issue of Demand Draft (DD) 5. Net banking 6. E-mail statement 7. Phone banking 8. Insta Query 9. Insta Alert 10. Bill pay 11. Passbook 12. Quarterly Account Statement 13. Loan Facility. 3. 3 CONCEPT 3. 3. 1 SAVING ACCOUNT INFORMATION Definition: A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. Types of Saving Account In Axis Banking 1. Zero Balance Savings Account At Axis Bank it has been constant endeavor to create products specifically catering to your needs. The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an average quarterly balance. Features: – 1. No Average Quarterly Balance requirement 2. Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* (charges for the primary holder are waived). 3. Free mobile banking facility 4. Access through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 24Ãâ€"7 Tele banking Internet banking. 7. Free quarterly statements8. Free monthly e-statement Conditions Apply:- 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum 2. Krishi Savings Account (Kheti Ho Khushahali ki) Axis Bank offers a unique savings account which is easy to operate and allows you to transact immediately. This product has been specially designed keeping in mind the unique requirements of a farmer and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are: Average Balance Requirement : This account is offered with the requirement of maintaining the half-yearly average balance of Rs 1000only. International Master Debit Card: The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account anytime through the Axis Bank ATM network free of cost. This card comes with a cash withdrawal limit of Rs 25,000 per day. Free Accident Insurance cover of Rs 2 lacks. Anywhere Banking: Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches or ATMs. At Par Cheque Book: Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to en cash the cheques as local instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000. Easy Access Savings Account (Banking made easy) * A – Accessibility * C – Convenience * C – Comfort * E – Earnings * S – Speed * S – Service Want a savings account that transcends geographical boundaries? Presenting, Axis Bank’s Easy Access Savings Account. The account is an endeavor by the Bank to understand the consumers’ needs and redefine banking to suit your requirements for a truly comfortable banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000in rural centers. †¢At-par cheque †¢ATM Network †¢Anywhere Banking †¢ Tele banking †¢ i Connect †¢Mobile Banking †¢Quarterly account statement †¢Quarterly interest @ 3. 5 % per annum †¢Free monthly e-statement. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. Corporate Salary Account: Our Corporate Salary Power Offering is designed to offer pay roll solutions through in a 24 X 7 environment. We leverage on our extensive network of distribution channels spread across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. Benefit to Employers: †¢Efficient salary disbursal. Web Upload – Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee’s accounts using I Connect from your office. Single-instruction salary credit – Same day salary credits for all companies having Corporate Account with Axis Bank. Dedicated relationship manager at metro locations to understand the financial requirements of your employees. Benefit to Employees: †¢No minimum balance criteria. †¢Unparalleled Access – Anywhere banking facility through our network of Branches , ATM and Internet banking facility. †¢AT Par cheque books payable locally at all Axis Bank locations. †¢International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add ones. Online Banking with funds transfer, online shopping and bill payment options. †¢Depository services with free online trading accounts. †¢Meal Cards on a master card platform. †¢Employee Reimbursement accounts as a savings account variant. Preferential pricing on loan products and credit cards and other banking products ; services. 3. Prime Savings Account: Want a customized savings account to suit your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our customers. The Prime Savings account has therefore been created with your specific financial requirements in mind. Through the ‘At Par’ cheque facility, you have the unique advantage to en cash your cheques as a local cheque at more than 330 centers where the bank has a presence at no extra cost. In addition the account enables you to issue cheques up to Rs. 1 lakhs, which will be treated as ‘At Par’ across these locations. You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers. 4. Smart Privilege Account: (For the woman of today) In today’s busy world it’s tough being a working woman. Right from shuttling between a job and family to taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank have designed a savings account best suited for the woman of today. With the Smart Privilege Account, you can manage your money and your life and as well as enjoy a host of lifestyle privileges. Furthermore Axis Bank’s Smart Privilege Account ensures that you have enough time for all the important things in life. Senior Privilege: (Because life begins at sixty) Are you seeking a banking style that compliments your senior status? Axis Bank’s Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizen’s banking requirements are wholly different and require special consideration. * Special Privilege: (A Privilege assures the care you deserve): We have introduce d Senior Citizen ID card for our Senior Privilege patrons. Let us briefly introduce the wide range of advantages it hold for you. * Avail of Great benefits with Senior Citizen ID card ID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for, this card will soon help you avail of certain never-before Senior-citizen benefits at various stores, service providers and installation across the nation. * Feel safe Every where Apart from provide you with the power to claim great benefits, card also act as emergency information medium. In case of emergencies, it provides the doctors and authorities with vital data like your blood group, allergies, illnesses, address and emergency contact details. This ensures that you are well looked after in any situation, no matter where you are. * Always a Privilege It will help in strengthen the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that we’re always be there by your side. * Power Salute (Salute to the defense forces) Are you looking for an account that fits with your life in the Defence Forces? Defense Salary Account from Axis Bank is a product designed keeping in mind how tough a life in the Defense Forces is. Not only does it come to you absolutely free, no minimum balance is required either. You can also access the entire Axis Bank network, including more than 2300 ATMs and 550 branch offices (and growing) no matter where you are posted. With the complete gamut of banking services (including overdrafts, loans and zero-balance requirements) you can now rest assured about your family and all their financial needs. It sour way of showing our appreciation to your work. * Banking Privileges: At-par Cheque Facility * Your job involves constant transfers across the country. With the at-par cheque facility it will no longer be necessary to set up new bank accounts with each transfer. * Additional Debit Card * Along with a free International Debit Card, you also get a free card for the joint account holder. This means that your child or spouse also enjoy the same benefits of banking with Axis Bank. * Financial Advisory Services * Our solutions answer to the twin goals of meeting your requirements and to diversify and spread the risk of your investment portfolio, so you can look forward to a comfortable and worry-free life. We first understand your exact investment needs and then design the perfect investment plan for you. 5. Trust/NGO Savings Account: Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Banks Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25 companies and NGOs, so that the organizations can devote all of their time to their noble motivations. Features:- A savings account for your trust with a concessional average quarterly Balance a multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present. Free anywhere banking across all our Branches and Extension Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free collection of cheques at outstations locat ions free monthly e-statement Monthly Statement of Account delivered at your doorstep. Facility for collecting donations in your account through our network of Branches and extension counters across the country, as well as through I Connect – our Internet Banking facility. Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility I Connect to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time. At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors. Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a number of banking activities from the comfort of your home or office. * Investment Advice * Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. * Free Demat To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to our esteemed account holders in the Trust or Society segment. * Foreign Contribution (Regulation) Act [FCRA] accounts * The FCRA account enables approved organizations to receive foreign contributions for utilization in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home Affairs a t New Delhi. 3. 4 CURRENT ACCOUNT INFORMATION 3. 4. 1 CHANNEL ONE: (FOR SUCCESSFUL BUSINESSES) The ‘Channel One’ Current Account is an effort in that direction where we take care of your day to day banking requirements leaving you with more time for your business. Channel One Current Account is most appropriate choice of successful businesses. At a monthly Average Balance (MAB ) of Rs. 10 lack. FEATURES: 1. Relationship Manager. 2. Doorstep Banking. 3. Anywhere Banking. 4. Free Internet Banking. 5. Free 24 hour Tele banking. 6. Mobile Banking Service. 7. International debit card. 8. Cheque Protection Facility. 9. Free 24 – hour cheque deposited facility. 10. Payment of Government Taxes/ Dues. 11. Foreign exchange services. . 4. 2 BUILDERS AND REAL ESTATE: Axis Bank understands the increasing demands on businesses in this segment . Here’s presenting the Axis Bank Builder ; Real Estate Current Account a current account with unparalleled product features built to suit Builders ; Realtors exclusively. This account offers you unmatched convenience while a dding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this account comes loaded with special facilities and benefits, most appropriate for your business. FEATURES: 1. Home Branch Cash Deposit. 2. Non – Home Branch Cash Withdrawal. . Free Anywhere Banking. 4. Cluster facility. 5. Zero Balance account for Vendors and Suppliers. 6. Franking Facility. 7. Customer cheque printing. 8. Internet Banking. 9. Free 24-hour Phone banking. 10. Mobile Alerts. 11. ATM cum Debit Card. 12. Free Monthly Account Statement. 3. 5 TRAINING IN WHOLESALE BANKING OPERATION 3. 5. 1 CORPORATES Corporate Banking reflects Axis Bank’s strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product development and a well-integrated approach to relationship management. Funded Services: Working Capital Finance, Bill Discounting, Ex port Credit, Short Term Finance, Structured Finance, Term Lending. * Non Funded Services: Letter of Credit, Collection of Documents, Bank Guarantees. * Value Added Services: Syndication Services, Real Time Gross Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, Money Market Desk, Derivatives Desk, Employees Trusts, Cash Surplus Corporate, Tax Collection * Internet Banking: Supply Chain Management, Corporate Internet Banking, Payment Gateway Services. 3. . 2 SMALL AND MEDIUM ENTERPRISES: At Axis Bank we understand how much of hard work goes into establishing a successful SME. We also understand that your business is anything but â€Å"small† and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to purchasing new, or updating existing plant and equipment, or employing new staff to c ope with the demand. That’s why we at Axis Bank have assembled products, services, resources and expert advice to help ensure that your business excels. Solutions are designed to meet your varying needs. The following links will help you identify your individual needs. * Funded Services: Funded Services from Axis Bank are meant to directly bolster the day-to-day working of a small and a medium business enterprise. From working capital finance to credit substitutes; from export credit to construction equipment loan – we cater to virtually every business requirement of an SME. Click on the services below that best define your needs * Non-Funded Services: Under Non-Funded services Axis Bank offers solutions that act as a catalyst to propel your business. Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee in order to go ahead. This is exactly where we can help you so that you don’t face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collection of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection. Specialized Services: Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain through our internet banking platform. * Value Added Services: There is a plethora of services that we offer under value add ed services. There’s corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services. The following are the highlights of this service: Real Time Gross Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. * Internet Banking: Internet banking is a revolutionary service under the banking sector and Axis Bank is a forerunner in providing you with this service. We provide state-of-the-art payment gateway services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient. 3. 5. 3 GOVERNMENT SECTOR: Axis Bank acts as an active medium between the government and the customers by means of various services. These services include : * Tax Collection Where in customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E-Ticketing Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * Opening of L/C’s is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. * Collection of levies and taxes on behalf of Municipal Corporations i. . Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Collection of stamp duty is done via franking mode in the states of Maharashtra Gujarat. The Stamp Duty Franking Facility is available at following branches in Maharashtra Fort, Chembur, Lower Parel, Mira Road, Thane (Talao Pali), Panvel, Ratnagiri, Pune (FC Road), Kolhapur, Nagpur, Pimpri. The Stamp Du ty Franking Facility is available at following branches in Gujarat Ahmedabad (Navrangpura), Kutch (Mundra), Baroda (Gotri Road), Surat (Ring Road), Bhavnagar Vapi (GIDC). Disbursement of Pension to retired Employees of Central Govt and Defence is directly done by Axis Bank along with the disbursement of pension to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs Collection of ROC fees for the Ministry through authorized Branches and Net Banking. * Collection of Property Tax through Selected Branches on behalf of Municipal Corporation of Delhi CHAPTER 4 DATA ANALYSIS INTERPRETATION 4. 1 Analysis of Questionnaire The study was conducted and primary data was collected through questionnaire method. For this purpose, 100 respondents of the TANDA city were approached of 100% in the branch has been shown below: Q1 Customer having accou How to cite Training Report on Wholesale Banking Operation in Axis Bank., Essay examples