clay Beats Liston: February 25, 1964 :: essays research papers fc

"Clay Beats Liston February 25, 1964"From the accounts of various Kentucky newspapers, I was able to learn a few events virtually Cassius Clay, later known as Muhammad Ali, as well as the attitudesof his fellow Kentuckians. The rootage thing I noticed in all the newspapers thatI viewed was that almost all the articles compose some the fight were writtenby writers from either the Associated Press (AP) or United Press International(UPI). This displayed three things about the Kentucky press, first the beliefthat Clays fight was not important enough to cover themselves, secondly thatthe newspapers probably did not make enough money to send their own reporters put through to Miami Beach, and finally the localization of the newspapers audiences.Another aspect of the fight is the effect it had on Kentucky society, especiallythe sports scene.I primarily noticed that almost all the papers utilize reports from theAssociated Press and the United Press International, even the (Lou isville)Courier-Journal, one of Clays hometown newspapers, used reports from theAssociated Press. The only articles that were not written by a member of theAssociated Press were the very rare editorials written about the fight. The useof reports from the AP and the UPI shows that most newspapers did not think thefight was very newsworthy. Only one newspaper published an article that was notwritten by a member of the Associated Press or the United Press International,however that one article was an editorial about Cassius Clays new found wealthand not the actual fight. The lack of coverage also proves that even thoughblacks were supposed to be equal to whites, that in reality achievements byblacks and whites were treated differently. no(prenominal) of the newspapers that I readdisplayed a large picture or advertise proclaiming that Cassius Clay was the newheavyweight champion of the world. Most newspapers had an average sizedheadline stating that Clay was the new champion, but no ne had an article abouthim on the front page. This further illustrates that achievements by blackswere believed to be less important than the achievements of whites. I maximalmost the same amount of articles on high school basketball, as I did on thefight. Although I am not surprised by the fact that high school basketballreceived almost a page of coverage, I am alarmed by the fact that this one pageof coverage on basketball was the same amount of coverage for the boxing match.The stories by Associated Press and United Press International illustratetwo more facts about Kentucky during the 1960s, primarily that most of

Religious and Artistic Sites of Venice Essay -- Place Geography Italy

Religious and Artistic Sites of VeniceThe masterpieces of foursome visual artists, Bellini (1430-1516), Titian (1485-1576), Tintoretto (1518-1594), and Tiepolo (1696-1770), dominate the religious and aesthetical sites shew in the island city of Venice. The city is divided into six districts. Each contains historical sites, however, the most notable ar located in the districts of San Marco, San Polo, and Dorsoduro that border the Grand Canal. The artistic and religious sites of Venice are appreciated as part of the island?s historical past, as well as infused in its everyday present. One symbol of the splendour of art in Venetian life is the lion of Venice. The lion honors the patron reverence of Venice, St. Mark. It can be seen in many different poses including a peaceful, mischievous stance, an impassive guard, a majestic, stately lion, or even a forceful, warlike lion. The lion, like art and religion, reflects the centre of Venice. San Marco District Saint Mark?s basilica S ince 830 AD, the basilica has housed the bones of St. Mark which were taken from Alexandria, Egypt and given at the Port of Olivolo to the Doge Giustiniano Particiaco. Mosaics in the basilica submit this event as bones being recondite under barrels of pork to keep Muslims away. Mark was patron saint of Alexandria and then became patron saint of Venice. The emblem of the patron saint is the winged lion with a sword and a book with the words Pax Tibi Marce Evangelista Meus, Peace to You, Oh Mark, My Evangelist. The church was built with easterly inspiration with its oriental domes and lustrous mosaics. This is an example of the tie between Venice and Byzantium, which protected Venice from Charlemagne and the Holy Roman Empire. The church contains four thousand sq... ...artistic sites of Venice leave a stable impression for all who visit.Works CitedCrivellari, Domenico, and Maria Da Villa Urbani, eds. Basilica di San Marco. Procuratoria di San Marco Venezia. 2003.Girard-Sharp, Lis a, et al. Venice. New York APA Publications, 1999.Openshaw, Gene, and Rick Steves, eds. Venice 2004. California Avalon Travel, 2003.Peggy Guggenheim Collection. The Solomon R. Guggenheim Foundation, 2003.Pioch, Nicolas. ?Titian.? WebMuseum, Paris. 2002.Pioch, Nicolas. ?Bellini.? WebMuseum, Paris. 2002.Rossi, Gerald. ?Il Tintoretto.? Catholic Encyclopedia. 2003.Steves, Rick. Italy 2002. California Avalon Travel, 2002. Religious and Artistic Sites of Venice Essay -- Place Geography Italy Religious and Artistic Sites of VeniceThe masterpieces of four visual artists, Bellini (1430-1516), Titian (1485-1576), Tintoretto (1518-1594), and Tiepolo (1696-1770), dominate the religious and artistic sites found in the island city of Venice. The city is divided into six districts. Each contains historical sites, however, the most notable are located in the districts of San Marco, San Polo, and Dorsoduro that border the Grand Canal. The artistic and religious sites of Venice are a ppreciated as part of the island?s historical past, as well as infused in its everyday present. One symbol of the importance of art in Venetian life is the lion of Venice. The lion honors the patron saint of Venice, St. Mark. It can be seen in many different poses including a peaceful, playful stance, an impassive guard, a majestic, stately lion, or even a forceful, warlike lion. The lion, like art and religion, reflects the spirit of Venice. San Marco District Saint Mark?s Basilica Since 830 AD, the basilica has housed the bones of St. Mark which were taken from Alexandria, Egypt and given at the Port of Olivolo to the Doge Giustiniano Particiaco. Mosaics in the basilica depict this event as bones being hidden under barrels of pork to keep Muslims away. Mark was patron saint of Alexandria and then became patron saint of Venice. The emblem of the patron saint is the winged lion with a sword and a book with the words Pax Tibi Marce Evangelista Meus, Peace to You, Oh Mark, My Evangeli st. The church was built with eastern inspiration with its oriental domes and lustrous mosaics. This is an example of the connection between Venice and Byzantium, which protected Venice from Charlemagne and the Holy Roman Empire. The church contains four thousand sq... ...artistic sites of Venice leave a lasting impression for all who visit.Works CitedCrivellari, Domenico, and Maria Da Villa Urbani, eds. Basilica di San Marco. Procuratoria di San Marco Venezia. 2003.Girard-Sharp, Lisa, et al. Venice. New York APA Publications, 1999.Openshaw, Gene, and Rick Steves, eds. Venice 2004. California Avalon Travel, 2003.Peggy Guggenheim Collection. The Solomon R. Guggenheim Foundation, 2003.Pioch, Nicolas. ?Titian.? WebMuseum, Paris. 2002.Pioch, Nicolas. ?Bellini.? WebMuseum, Paris. 2002.Rossi, Gerald. ?Il Tintoretto.? Catholic Encyclopedia. 2003.Steves, Rick. Italy 2002. California Avalon Travel, 2002.

Nursing Process Change Paper -- pre-operative management

The pre-operative stage is an important phase in longanimouss surgery process. This is the time where the patients is experiencing a lot of anxiety issues and have questions regarding the impending procedure. To help ensure good patient outcomes, it is imperative to provide complete surgical instructions and discharge instructions (Allison & George, 2014). It is the nurses duty to safe guard and protects the patients welfare during the surgical experience. Effective preoperative preparation is known to get up postoperative pain management and recovery. Health professionals need to be cognizant of the contextual factors that influence patients preoperative experiences and give context appropriate care (Aziato & Adejumo, 2014). This essays attempts to consultation the elements of pre-operative management and issues that could potentially cause surgery delays or cancelation at the Veterans Affairs Southern Nevada Healthcare System (VASNHS) Surgical Specialty Outpatient departm ent. Moreover, it also depicts the need for a new pre-operative management system. Assessment New consults for the Surgical Specialty Outpatient department comes from the primary care provider. During the initial visit the surgeon evaluates the patient and discusses the plan of care. If patient requires surgery, the surgeon orders pre-operative tests such as blood work, urine test, electrocardiogram (EKG) and chest X-rays. After completing the burden slip, a hand written operating way of life (OR) request form, the surgeon hands it to the primary care nurse of that particular Surgical Specialty clinic. The nurse then turns in a copy of the buck slip to the operating room scheduler and another copy to the nurse pre-operative unit. There are instances... ... 26, 2014.Mitchell, M. (2013). Anaesthesia type, gender and anxiety. Journal Of Perioperative Practice, 23(3), 41-46. Retrieved from http//ozone.nsc.edu8080/login?url=http//search.ebscohost.com/login.aspx?direct=true&db= rzh&AN=2012030991&site=ehost-live on on April 27, 2014.Pritchard, M. (2012). Pre-operative assessment of elective surgical patients. Nursing Standard, 26(30), 51-56. Retrieved from http//ozone.nsc.edu8080/login?url=http//search.ebscohost.com/login.aspx?direct=true&db=rzh&AN=2011513584&site=ehost-live on April 26, 2014.Shapiro, F. E., Punwani, N., & Urman, R. D. (2013). Putting the persevering Into Patient Safety Checklists. AORN Journal, 98(4), 413-418. doi10.1016/j.aorn.2013.08.003. Retrieved from http//ozone.nsc.edu8080/login?url=http//search.ebscohost.com/login.aspx?direct=true&db=rzh&AN=2012318462&site=ehost-live on April 26, 2014.

picasso :: essays research papers

Pablo Picasso , known as angiotensin converting enzyme of the most influential artists of the twentieth atomic number 6 . I shall explore the evolution of a young Pablo Ruiz Picasso to the experienced genius that had shaped the way we see art today . From his Blue and Rose periods through the birth of Cubism ,to the struggles of the experimental thirties . As we go to the death of a proud sire .Picasso was born in Malaga on the 25th of October 1881 . The onlychildren of the family were Pablo and his jr. sister . As you know Spaniards take the name of ones father and of ones mystify . The name Ruiz was his fathers . His m separates was Picasso . His birth name is Pablo Ruiz Picasso . Since its such a long name its a pain to sign so he shortened it .On Pablos earlier canvases he signed Pablo Ruiz but later changed his name to who we know of now , Pablo Picasso . Picasso is of Italian origin and the Picasso were silversmiths . Physically Pablo resembles his mother , small and robu st with a vigorous body , dark-skinned , straight not very fine black hair .Picasso used to always say that his father was like an English-man . His father , Jos Ruiz Blasco was tall and had reddish hair and an English way of carrying himself .As a child Picasso was making drawings , not the drawings of a child would have but one a painter would have multi-color . When he was fifteen years old he would make oil portraits of his younger sister . He painted like a born painter . Then at age nineteen Picasso was off to Paris . Two months later he went back to Barcelona change some paintings . Picasso settled in Madrid and starts the magazine Arte Joven with the writer Francisco de Assis Saler.Soon after Picasso goes back to Barcelona and then back to Paris again .Picasso had friends but no(prenominal) of where painters , no they were all writers .In 1902 Picasso returned to Spain and painting in his Blue period .Being in away from Spain for a while he forgot how colorless it is . The colourise of Spain are white , black , silver and gold yet it was still beautiful .Span in a sense is not like other southern countries ,

Impact of Prison on Fyodor Dostoevskys Poor Folk, The Double, and The Idiot :: Dostoevsky Poor Folk Essays

Impact of Prison on Fyodor Dostoevskys Poor Folk, The Double, and The IdiotFyodor Mikhailovich Dostoevsky is perhaps one of the just about well known but least understood authors from the nineteenth century. His life was one full of misfortune and suffering his works filled with religious broody and philosophical discussions. Dostoevskys life experiences were integrated into the characters in his pieces, both in terms of personality and ideology. An especially important turning point in his life was his tick and imprisonment at the age of twenty-seven, shortly after the beginning of his writing career. This prison sentence and time in exile served to shape his perceptions and beliefs towards life, which were then incorporate into his literary works.Dostoevsky entered the Chief Engineering Academy in Saint Petersburg in 1838, at the age of 17. Upon his graduation, he served in the civil service, but gave it up to obey writing full-time. 1846 saw the publishing of his first books, Poor Folk, and The Double. In Poor Folk, he explores some of the social get bys of the day, and the work has even been dubbed of a socialist character. During this time, he had joined forces with other young intellectuals, and began attending meetings headed by Petrashevsky. These young social realists would meet and discuss current political issues -- most importantly, the idea of the liberation of the serfs. This issue was especially of interest to Fyodor, who had been exposed to the cruelties of serfdom early in his life. He had a deep hatred of the institution of serfdom, which was perhaps rooted in his guilty conscience towards the murder of his father. It was thought that Mikhail Andreevich was murdered by his own serfs during a particularly violent bout of anger towards them. Fyodor, while he was in no sort associated with the death (he was in school in Saint Petersburg at the time), none the less felt guilt. Part of this may have been due to his incessant shrewish for m ore money from his father during his last few years. This group of idealists was influenced by the changing political status in Europe during the middle of the nineteenth century. This was a time of a new social awareness -- new rights and liberties were being fought for and won, governments were transforming, and a series of utopian socialist books were quickly becoming popular. Dostoevsky had been an avid commentator of such authors as Hugo, Sand, Sue, and others in this field.

Impact of Prison on Fyodor Dostoevskys Poor Folk, The Double, and The Idiot :: Dostoevsky Poor Folk Essays

Impact of Prison on Fyodor Dostoevskys Poor Folk, The Double, and The IdiotFyodor Mikhailovich Dostoevsky is perhaps one of the most well cognize but least understood authors from the nineteenth century. His life sentence was one full of misfortune and suffering his works filled with religious pondering and philosophical discussions. Dostoevskys life experiences were integrated into the characters in his pieces, both in terms of personality and ideology. An especially important turning point in his life was his arrest and imprisonment at the age of twenty-seven, shortly after the beginning of his writing career. This prison sentence and time in exile served to shape his perceptions and beliefs towards life, which were then incorporated into his literary works.Dostoevsky entered the master(prenominal) Engineering Academy in Saint Petersburg in 1838, at the age of 17. Upon his graduation, he served in the civil service, but gave it up to pursue writing full-time. 1846 dictum the pu blishing of his first books, Poor Folk, and The Double. In Poor Folk, he explores some of the social issues of the day, and the work has even been dubbed of a socialist character. During this time, he had joined forces with opposite young intellectuals, and began attending meetings headed by Petrashevsky. These young social realists would meet and discuss current political issues -- most importantly, the idea of the liberation of the serfs. This issue was especially of intimacy to Fyodor, who had been exposed to the cruelties of serfdom early in his life. He had a deep hatred of the institution of serfdom, which was perhaps rooted in his guilt towards the murder of his father. It was mind that Mikhail Andreevich was murdered by his own serfs during a particularly violent bout of anger towards them. Fyodor, while he was in no way associated with the death (he was in school in Saint Petersburg at the time), none the less felt guilt. Part of this may have been due to his incessant n agging for more capital from his father during his last few years. This group of idealists was influenced by the changing political status in Europe during the middle of the nineteenth century. This was a time of a new social awareness -- new rights and liberties were being fought for and won, governments were transforming, and a series of utopian socialist books were quickly becoming popular. Dostoevsky had been an avid reader of such authors as Hugo, Sand, Sue, and others in this field.

Welfare: A Government Program in the US

In the United States, the word welfargon is familiar to everyone. People commonly consider social social welfare as regime programs that distribute public assistance to the poor and low income people. However, some people, who are able to expire, take advantage of or matter too much(prenominal) on welfare, and they consider welfare as their main source of income. To stop their dependence on welfare, the government should put those who are on welfare into the labor area and keep them there.Besides, the government should change their way of thinking about welfare and make recipients realize the goal of performance and self-sufficiency. In order to accomplish this change, the government should replace the existing welfare by education and training programs. Some welfare recipients depend too much and take advantage of welfare. The donors of immigrants must be responsible for taking care of their family. However, they refuse to take their responsibility, and they consider that w elfare must help them.For example, one sponsor in Orange County, California placed her parents on welfare even though she owned a $450,000 home and easily could afford to provide for their well-being. However, she notified the welfare agency that her elderly parents every would oblige to start paying rent or move out (Smith 31). Besides, welfare pays substantially more than recipients could earn from entry-level commerce (Tanner et al. 22). That is the reason why welfare recipients do not likely to look for theorise. As a result, if people can earn the kindred income by either working or not working, most people will choose not to work.In contrast, other people such as elders, retarded or disabled individuals, and single parent deserve to receive government assistance however, they do not get as much as they need because the government provides welfare to both deserving and undeserving people. This will create an unbalancing gap between people. Those who really need welfare can not get equal meanwhile, others receive more than what they need. Therefore, the government should provide welfare to deserving people who really need assistance and jobs to those who are able to work.In the article upbeat Pays Better, So Why Work? of USA Today Magazine, the authors state Nearly everyone agrees that a major goal should be to advocate recipients to leave the welfare rolls and usher in the workforce (Tanner et al. 22). In order to encourage recipients to enter the workforce, the government should limit welfare because welfare is a source of income which recipients do not defend to work to earn, so why do they have to work? Besides, welfare recipients must realize that welfare only helps them in terse period of time.After that they have to be on their own because there is no one else can help them forever. If there is less welfare, working becomes the only source of income which they can depend on. Indeed, limiting welfare is parallel with seeking job. Once welf are is limited, labor force is the only place where they can get help. In order to encourage recipients to work, the government should create practice programs which assist recipients to look for job, to train and to gain skills. Although the employment programs might cost the nation more money in short term, they will be worth it in the long term.First, the government should persuade private employers to create more job opportunities for welfare recipients, and also welfare recipients should be required to participate in education and training programs. Besides, more employment services and job search assistance should be establish to help welfare recipients to have an easier time finding jobs. In addition, welfare money should be used to subsidize for education and training programs because these programs can provide skills and train them in order to meet the new demands of the labor market and meet the employers specific needs.Furthermore, unemployment offices would no longer di stinguish between those who were recently laid off and those who have been on welfare. Each person would be evaluated on the basis of what services she or he needs in order to obtain employment. Hence, everyone all has same opportunity to enter the workforce. Instead of improving the welfare programs, the government should look at them as an opportunity to create a more comprehensive employment programs that would replace the old welfare and public assistance programs.For this to occur, the government should create education and training programs to provide skills and train people in order to witness all those who want to work are able to do so. Besides, more employment services should be established to assist people to look for job easier, and private employment creates more jobs to encourage people to work. Also, equal opportunity should be applied to everyone. As a result, all these programs should be shared a single goal to enable people to work.

Principles of Anatomy and Physiology Essay

A tissue is an assemblage of similar cells and cell products per deviseing a specific activity and ar located in diametrical organs of the body. Tissues form the building blocks of an organism. They are composed of individual cells which consequently are composed of several organelles. There are four types of tissues in animals and they accept the epithelial, muscular, nervous and connective tissue. The images of the various tissue types as viewed under(a) a light microscope have been attached downstairs. The Epithelial tissue covers the body surface and is similarly the lining for most internal cavities. The skin is an example of an organ made up of this tissue. They are either columnar, squamous or cuboidal in shape. The major functions of epithelial tissue are protection, absorption, filtration and secretion. This tissue is found in the kidney.The connective tissue is responsible for connecting various organs in our body. It is the most widely spread in the body. Examples i mplicate fat tissue, blood tissue, and dense fibrous tissue amongst others.The brawn tissue is responsible for muscular movement and coordination. There are three types and they include refine, skeletal and cardiac bodybuilder tissue. Smooth and cardiac heftiness are involuntary meaning they do not require direct commands from the brain. Skeletal muscle on the other hand is under voluntary control and this means that it needs to be commanded on what to do.The nerve tissue is composed of cells that receive and life impulses to and from all parts of the body. Its composed of organelles whose major depute is to allow passage and receiving of information.Task 3.There are two classification of cells prokaryotes and eukaryotes. By classifying under kingdoms, the prokaryote kingdom refers to bacteria while eukaryotes include animals, plants, fungi and protoctista. Eukaryotes are organisms whose cells are in-bound by membranes and a cytoskeleton. They have a true nucleus that contain s their DNA. The organelles in prokaryotes are not membrane bound. Most happen to be unicellular though some are multicellular. Prokaryotic cells are much older and divers(prenominal) than eukaryotic cells as theyre believed to have been there for millions of years. The organelles found in both cells perform specific functions and influence the boilers suit task of the tissue. The table below mentions certain organelles, their function and whether they are found in prokaryotes or eukaryotes.Organelle Function Cell FoundGolgi Body Transports proteins from the Rough Endoplasmic Reticulum to the cell membrane for export. Eukaryotes.Lysosome Contain digestive enzymes that break down unwanted chemicals toxins or even the entire cell. Eukaryotes.Cell Wall Separates the content of the cell from the outside environment and and so controlling the exit and entry of materials. Offers rigidity to the cell. Mostly found in Prokaryotes.Nucleus Contains DNA that carries the genes of the cell. I ts not membrane bound in prokaryotes or a nucleoid. Both prokaryotes and eukaryotes.Ribosomes Responsible for protein synthesis. In Eukaryotes, theyre larger (80S) while in Prokaryotes, they are smaller (70S) type. Both prokaryotes and eukaryotes.Endoplasmic Reticulum Form a deification highway within the cell allowing movement of molecules. Plays an important role in protein synthesis. Composed of RER and (Smooth endoplasmic reticulum) SER. Eukaryotes.Cytoskeleton Protein fibers extending through cells to offer support, transport and motility. eitherows for cytoplasmic streaming. Eukaryotes.Mitochondria Allows for aerobic respiration. Provision of cypher through the breakdown of glucose. Eukaryotes.Flagella Responsible for propelling and movement activities. Its complex in eukaryotes and consists of two protein building blocks. Both prokaryotes and Eukaryotes.Task 4.Different cell components in a tissue influences the function of that tissue. As each has a specific role which it undertakes, the synchrony of these activities enable a tissue to perform the overall change task that it is supposed to handle. The number of various cell components will depend on the general function of the tissue. Cell variediation is the process whereby a less specialized cell becomes more specialized. Differentiation occurs continually in a multicellular organism. It is important as it enables adult cells to give rise to daughter cells which in maturate become specialized to perform a certain function. Each type of cell that develops creates tissue-specific proteins only available in that cell type. Cells need to have different structures as they perform different functions. During differentiation, the shape and structure of the cell changes. As stated earlier, the number of certain cell components/organelles in a tissue influences the overall role of the tissue. Take for example mitochondrion structures that convert food energy into a form that can easily be used by cells. by respiration, energy is released from glucose and is used for various body processes. Tissues that require large amounts of energy will always have a high number of mitochondrion. An example is the muscle tissue. The energy requirements of voluntary and involuntary muscles is high. This thus creates an energy deficit that is compensated by an increase in the number of mitochondrion in these tissues.Task 5.The muscle tissue is comprised of cells whose purpose is contraction. They contract upon receiving a stimulus by a chemical released at a nerve end known as a neuromuscular junction. All cells contain actin or myosin proteins in their filaments. There are three types of muscle tissue cardiac, smooth and skeletal and each have their perspicuous characteristics. In skeletal and cardiac muscles, these filaments contain desmin resulting into refractile bands called endanger-striations. Smooth muscle cells however are not highly ordered and thus are not striated. The different typ es of cells can be distinguished by their appearance as viewed under a microscope. This task will aim at differentiating between smooth muscles and cardiac muscle. The major difference is in the structure, function and location.Skeletal muscle tissue are attached to bones and is responsible for general body movements. They are cylindrical in shape and have voluntary control of activities. They have regularly spaced traverse bands and thus striated. The cells are syncytial they are multinucleated since myoblasts fuse to move in the adult muscle cell. The muscle cell is long and threadlike. The nuclei is rectangular in shape and is located in the periphery of the cell beneath the cell membrane. All muscle tissue is organized into bundles due to wrappings of individual muscle fibers, group muscle fibers and multiple muscle fibers to form a large muscle mass.On the other hand, the cardiac muscle tissue is found in the heart and is under involuntary control contraction is not consciousl y controlled. Cardiac fibers form long chain of cells which branch and intertwine resulting into wringing. Cells are cylindrical in shape with a central oval nucleus. The nuclei is rectangular in shape. Though cross striations are visible, they are not as prominent as those of skeletal muscle. The cardiac muscles are branched and are joined together by intercalated disks. Striations wear across the cells at right angles.ReferenceGerard, J. T. & Sandra, R., G. 2000. Principles of Anatomy and Physiology. New York John Wiley & Sons, Inc.Alberts B, Johnson A, Lewis J. et al. 2002. Molecular Biology of the Cell. (4th Ed.). Garland.Source document

Financial Management Questions Essay

Question 1 Medwig Corporation has a DSO of 17 days. The comp both averages $3500 in credit sales each day. What is the companys average accounts receivable? Answer / SolutionAccounts Receivable = Days Sales Outstanding * (Sales / Days) = 17 * (3500/1) = $59,500Question 2Discuss around of the techniques available to reduce risk exposures? Answer Insurance is one of the simplest and most available ways to reduce exposure to risk. It involves the transfer of risk to another company. Depending on the amount and nature of the risk involved, risk retention by self-insurance might not be a practical option, especially if the cost of transferring the risk (insurance premiums) is fair(a) enough to not add significant costs. Risk transfer is not done always through insurance, however.Outsourcing some operations to a company who agrees to ca-ca on the risk involved is another type of risk reduction. Some tasks are best suited for specialized companies, and large organizations might outso urce much(prenominal) activities as customer support, software development and internal security.Derivative hedging is also an option, depending on the nature of the company. Futures contracts, for example, reduce the risk of price fluctuations in a particular commodity, and are very useful to transfer it to a speculator. A company producing commodities would benefit from this type of hedge. Aside from transferring risks, a company might hand over to reduce risk by reducing the inherent cause of the risk. Instead of hiring a single custodian for cash transfers, a company might conduct another one to reduce the risk of employee theft. The last method is to avoid the risk completely. This will completely circumvent possible losses, but it also precludes any possible gains from taking on the risk.

Economic Basis of African Slavery in the United States

Economic Basis of African Slavery in the United States In proto(prenominal) American history slave owners were mainly of the Christian faith and believed in the literal truth of the Bible. They felt that many quotes in the bible gave them a proper(ip) to use slaves for prophet. One such quote comes from Colossians 322 Slaves, obey your earthly masters in everything and do it, not only when their eye is on you and to win their favor, but with sincerity of heart and reverence for the Lord. There are several economic federal agents contributing to African slavery in the United States, trine of which will be discussed.Tariffs are one study economic factor that contributed to slavery in the US. The United States federal government taxed imports at rates from 5 to 15 percent, the taxes were primarily designed to create revenue to pay expenses and per centum of the national debt that the federal government had. These tariffs increase the price of items brought into the US from overse as. As the deportation costs rose and the taxes increased as hearty as the need for the importers to make a profit as well, the costs of these imported goods became too senior high school and the demand for US products grew.Such products as Cotton and Tobacco could be grown and collected in the US and sold at a far overthrow price, and slaves were used to harvest-feast these products and avoid the tariffs. Avoiding many of the costs of importing these types of products and using slaves to harvest them allowed the owners of the slaves to make the money they needed to survive and become wealthy. Another major economic factor contributing to the growth of slavery in the US was the high demand of cotton.In 1793 the invention of the cotton gin, which separated the cotton seeds from the fiber, make it possible for plantation owners to produce more(prenominal) cotton products faster but the harvesting of the cotton could not keep up, more and more slaves were used to harvest the cott on just to keep up with the gin capacity. Once again not having to pay the slaves allowed the plantation owners to become wealthier and maintain a lifestyle they bedevil become accustom to. As time continued, the southern economy became reliant on an Agricultural economy and the growth of agriculture is another economic factor in contributing to slavery in the US. southeasternern Plantation owners not only were heavy in cotton and tobacco but also started festering rice, corn, wheat, hemp and sugar. In order for the economy to grow the plantations needed to grow, and as the plantations grow so did the number of slaves. Slavery grew to maintain an economy based on agriculture, once again using unpaid slaves allowed owners to continue to get wealthy and maintain there lifestyle. As the slave trade grew so did the relationship in the midst of the Plantation owners and the slave traders so much so that exporting became a factor in the economy of slavery in the US.With the so called f ree proletariat that slaves brought to the plantations, the owners were able to produce items at such a cheap rate they could sell them as exports to other countries and make money. The cost of these goods in other countries were more expensive to produce mainly because of the cost of labor, where in the south labor was done by slaves. The plantation owners and the slave traders were able to come to agreements allowing both parties the index to make money, Plantation owners sold goods to other countries and Traders hauled the product back and forth overseas for a profit.Tariffs, cotton, tobacco and an economy based on agriculture, as well as additional income due to exports are a few major factors that contributed to slavery in the United States. The issue of slavery divided the Southern part of the states from the Northern. The North separated themselves as an economy based on industry instead of Agriculture. As Abraham capital of Nebraska campaigned against the expansion of slav ery beyond the states in which it already existed it made the northern states conclude that slavery was morally wrong and should come to an end.The southern states wondered how an economy could survive without slaves, not enough money to pay workers to harvest the product and maintain there lifestyle. Slavery was one of many reasons for the Civil War, which had a lasting effect on early America. While it is unfair to set up slavery was the only cause of the well-behaved war I believe that many of the causes can be attributed to slavery. I will list three causes to the civil war which barely touches the surface of what I think is one of the most misunderstood wars.The causes I chose are ones that involve slavery in one bearing or another. First the Dred Scott decision, Dred Scott v. Sandford,(1857), was a decision by the United States Supreme Court that ruled that people of African descent imported into the United States and held as slaves, or their descendants whether or not the y were slaves were not protected by the Constitution and could never be citizens of the United States. It also held that the United States Congress had no authority to prohibit slavery in federal territories.The Court also ruled that because slaves were not citizens, they could not sue in court. Lastly, the Court ruled that slaves as chattel or private property could not be taken away from their owners without due process. The Supreme Courts decision was written by Chief justice Roger B. Taney. Opponents of slavery attacked the Dred Scott decision. In the Albany, New York, Evening Journal they combined two themes and denounced the decision as both an offense to the principles of liberty on which the nation was founded, and a victory for slave states over the free states.This decision divided the north and the south even more deeply the south was clearly a superior in this decision as it help maintain the need for slavery, while the north became even more angered with the south. Se cond, John Browns maraud was an attempt by white abolitionist John Brown to start an armed slave revolt by seizing a United States armory at Harpers Ferry in Virginia in 1859. Browns raid was defeated by a detachment of U. S. Marines led by Col. Robert E. Lee. The intent of the raid was to arm rebellious slaves and allowing them to strike fear into the slaveholders of Virginia.Brown and others were charged with treason and hung in Virginia once again angering politicians in the north. Third the election of Abraham Lincoln, while it is well known that Lincoln was opposed to slavery and the slave trade, he did say that a war would not be waged to abolish slavery but as a way to strengthen the Union. The South did not believe him and felt he was only interested in what was best for the north and thus proceeded to succeed from the union, while South Carolina was the first many others followed, Mississippi, Florida, Alabama, Georgia, Louisiana, and Texas. This declaration of Secession. Made it clear that he north and south had divided and the only way to become one was to go to war. Citations stopcock Kolchin, B. A. , Ph. D 2009 retrieved August 9, 2009, from http//encarta. msn. com/encyclopedia_761580652_3/Slavery_in_the_United_States. html Martin Kelly 2009 retrieved August 12, 2009 from http//americanhistory. about. com/od/civilwarmenu/a/cause_civil_war. htm Swain, Gwenyth, 2004, Dred and Harriet Scott A Familys Struggle for Freedom. Saint Paul, MN Borealis Books. Robert William Fogel and Stanley L. Engerman, 1974, Time on the Cross The Economics of American Negro Slavery. Boston Little, Brown and Company.

Case report toshiba notebook Essay

In this case discussion we are going to discuss the Toshibas notebook congregation disembowel. At this assembly line quintuple laptops are produced every day with a combination of employers and robots. We go away be looking at it from different ship lotal so we dirty dog find triplex ways to enhance the efficacy of the assembly line. We ache to look at it as an supply chain manager.This means investigating it and keeping in headway the numerous aspects that the assembly line is influenced by. If we look at the assembly line in this way we will be able to spot several problems which sack be solved and can result in a more efficient assembly line. The about obvious problems we spot are the number of tasks per assembly line position. Another problem is that every workstations wear down time various too much. This results in several bottlenecks that has negative effects on the efficiency and ware time. They differ from 5 seconds to 120 seconds. If these two problems are so lved we think the assembly line will be much more efficient and gum olibanum more profitable.The first problem we discussed is the number of tasks per assembly line. We see this as a problem because this isnt how an assembly line should be. The essence of an assembly line is that at every station a simple task is d whiz. Maybe two but it has to stay a simple action. This en for sures a smooth rise of the output signal process. What you see at this assembly line is that at that place are three positions where unity operator has to fulfil multiple tasks. This does not enhance the efficiency because the operator has to switch every time he finishes a single task. A radical for this problem is to implement more assembly line positions.This will result in a smoother and more efficient flow of the production. In a situation like that every operator has to do simply one or two tasks instead of six. This is beneficial because when you look at the production of a car for instance. If you let one employer built one replete(p) car it will take much longer than when you use an assembly line in which multiple employers are working at that car one after the other. The solution for this problem we named is to implement more assembly line positions. This means either to hire more employers or to install more robots. at that place has to be investigated whether this solution is cost-effective. If the purchase of a new robot does not result in a high enough efficiency rise there has to be considered another solution.The second problem we named is the difference in time between the workstations. The workstations vary between 5 and 120 seconds per task(s). this creates problems because when the production times are not more or less the same, bottlenecks are formed. When a situation like that occurs, production processes that do run fast, have to slow down in order to be at the same pace as the slower ones. This means that that production process is not producing at its m ost efficient rate. in that location are two ways of solving this problem. The first one is to make a proper arrangement of the different tasks. Another way is to make the labour time shorter. A way of doing this is to re-arrange the tasks. Not the sequence in which they are done but the content of the tasks itself. If you change the content you can establish a shorter labour time. Our first solution of changing the arrangement of the tasks can be combined with the very first problem.Therefore we suggest to try the first solution first to reach an high as possible efficiency level as possible. If the goals are reached with the first solution alone you do not have to use the second solution. You can consider the second solution but if the first solution alone guarantees the wanted goals you can save money by not using the second solution. Apart from these two solutions there are multiple ways to improve your assembly line. We have chosen for these two ways because we believe these t wo are most worth for your money. What we mean by saying this is that for the amount of money you have to invest at first, you get the most profit of. You can for instance purchase the most modern robots and create the perfect working conditions but you have to consider the profits against the initial wages.Our solutions can be explained with this precedence graph. Our first solution can be used very easy. Our first solution was to use more assembly line rases. As you can see in this graph the last three positions are not used. On these empty spots new assembly line point can be created. In this way you can divide the different tasks all over the assembly line. This results in a shorter labour time. Our second solution can also be explained with this graph. As you can see there is a very big difference between the various labour times.If you make sure these labour times are more or less the same the flow of production will be a lot smoother and and so more efficient and quicker. This solution can be combined with the first one. If you are going to make the assembly line longer by dividing the tasks over more points you can, at the same time, make the labour times more coherent. We think that our solutions will provide a sustainable situation in which the production process runs a lot smoother and more efficient. The reason why we think our solutions are the most cost-profitable is because you can combine them. By changing one thing, you solve two things which both result in a more efficient, faster, smoother and more profitable assembly line.

Buzz Marketing

Buzz Marketing is a type of word-of-mouth trade. Word-of-mouth marketing is when businesses, products, services, or events are promoted in pen or oral form via happy customers who tell others about their cocksure experience. Word-of-mouth marketing is considered to be a more credible source of announce because the pass catcher is hearing the information from someone who is not perceived to be out for a profit. Furthermore, the person buzz off the recommendation has their reputation on the telegraph wire for making the suggestion.Consumers are more likely to trust someone that they know and like than they are to trust media that has selfish interests. When specifically talking about thrum marketing, as opposed to the more broad word-of-mouth marketing, it is described as an interaction of consumers and customers (users) of a product, service, business, or event, that increases the strength of the marketing message. This bunghole create excitement, anticipation, positive asso ciation, etc, which is called hum. The roll is both the marketing by the company and the reaction by the customers and potential customers.Some examples of sure-fire buzz marketing runs would be the bare adjoin the intersection fete cars, Harry Potter movies, Twilight movies, Dexter television series, Volkswagens new beattle cars, the Blair enthral pop movies, and the beanie babies bean stuffed animals. For the Ford Fiesta cars, Ford gave 100 consumers a Ford Fiesta car to drive for 6 months. They were asked to complete different missions every month including delivering Meals on Wheels, fetching treats to the theme Guard, wrestling alligators, dismission to elope, etc.The participants then started sharing their adventures on social media sites such as YouTube, Flickr, Facebook, Twitter, Ustream, etc. This experiment was an enormous success. Ford got 6 and a half million views on YouTube and 50,000 information requests. Most of the requests came from non-Ford owners. For d spent a very small amount of money on this campaign compared to how a good deal a typical TV campaign would fork up cost. The beanie babies were another good buzz marketing campaign.People became crazed with collecting the stuffed animals because Ty Warner Inc. (the creator) created a faux sense of scarcity. They purposely retired certain animals to make them valu fitting. They also would not sell them in large toy stores. They made people recollect that they were tight and that they would be valuable into the future. Kids were going crazy making their parents buy them. Even many adults became beanie baby collectors. Ty didnt even have to do handed-down advertising. They were able to rely on word-of-mouth.They even tried to note new animal releases secretive and wanted to not advertise so that people would think that they were belowground. Ty Warner did such an incredible job of buzz marketing that he was able to make himself a billionaire equitable off of selling stuffed toys. Ty created an empire deserving $6 billion dollars. He did this during the 1990s. This was before social media had started. It is likely that if this was done today that social media would have helped him to make a lot more money.The Blair Witch Project movie ended up being very successful due to buzz marketing as well. People who went to see the movie judgment that they were going to see a documentary about a true myth. When moviegoers were viewing the movie they were genuinely scarred because they thought it was real. Obviously successful buzz marketing is much cheaper and more effective than traditional advertising. It can be done for as little as no money. But its effect can be massive. It can also backfire.It is impossible to know for sure how consumers will run with your initial buzz marketing idea. You can create a story and a buzz, but there is no way to know for sure that consumers will turn that into a positive buzz or that it wont just fizzle out quickly. In orde r to attempt to create a buzz you need to start a oblige story. This story of necessity to have elements such as taboo, unusual, outrageous, salacious, interesting, secretive remarkable and/or hilarious. This story then needs to create a conversation.The conversation needs to engage consumers and make them keep the story alive. The bottom line in buzz marketing is that it can be very effective. A company with an unlimited advertising cipher has the preference of reaching every single consumer in America. But that only amounts to 300 million impressions. An impression does not necessarily lead to a sale. A successful buzz marketing campaign does much more than have impressions, it gets peoples interest. A sensational story makes a potentially boring product a compelling item that consumers want to buy.Buzz MarketingBuzz Marketing is a type of word-of-mouth marketing. Word-of-mouth marketing is when businesses, products, services, or events are promoted in written or oral form via happy customers who tell others about their positive experience. Word-of-mouth marketing is considered to be a more credible source of advertising because the recipient is hearing the information from someone who is not perceived to be out for a profit. Furthermore, the person making the recommendation has their reputation on the line for making the suggestion.Consumers are more likely to trust someone that they know and like than they are to trust media that has selfish interests. When specifically talking about buzz marketing, as opposed to the more broad word-of-mouth marketing, it is described as an interaction of consumers and customers (users) of a product, service, business, or event, that increases the strength of the marketing message. This can create excitement, anticipation, positive association, etc, which is called buzz. The buzz is both the marketing by the company and the reaction by the customers and potential customers.Some examples of successful buzz marketing camp aigns would be the hype surrounding the Ford Fiesta cars, Harry Potter movies, Twilight movies, Dexter television series, Volkswagens new beattle cars, the Blair Witch Project movies, and the beanie babies bean stuffed animals. For the Ford Fiesta cars, Ford gave 100 consumers a Ford Fiesta car to drive for 6 months. They were asked to complete different missions every month including delivering Meals on Wheels, taking treats to the National Guard, wrestling alligators, going to elope, etc.The participants then started sharing their adventures on social media sites such as YouTube, Flickr, Facebook, Twitter, Ustream, etc. This experiment was an enormous success. Ford got 6 and a half million views on YouTube and 50,000 information requests. Most of the requests came from non-Ford owners. Ford spent a very small amount of money on this campaign compared to how much a typical TV campaign would have cost. The beanie babies were another good buzz marketing campaign.People became crazed with collecting the stuffed animals because Ty Warner Inc. (the creator) created a false sense of scarcity. They purposely retired certain animals to make them valuable. They also would not sell them in large toy stores. They made people think that they were scarce and that they would be valuable into the future. Kids were going crazy making their parents buy them. Even many adults became beanie baby collectors. Ty didnt even have to do traditional advertising. They were able to rely on word-of-mouth.They even tried to keep new animal releases secretive and wanted to not advertise so that people would think that they were underground. Ty Warner did such an incredible job of buzz marketing that he was able to make himself a billionaire just off of selling stuffed toys. Ty created an empire worth $6 billion dollars. He did this during the 1990s. This was before social media had started. It is likely that if this was done today that social media would have helped him to make a lot more money.The Blair Witch Project movie ended up being very successful due to buzz marketing as well. People who went to see the movie thought that they were going to see a documentary about a true story. When moviegoers were viewing the movie they were genuinely scarred because they thought it was real. Obviously successful buzz marketing is much cheaper and more effective than traditional advertising. It can be done for as little as no money. But its effect can be massive. It can also backfire.It is impossible to know for sure how consumers will run with your initial buzz marketing idea. You can create a story and a buzz, but there is no way to know for sure that consumers will turn that into a positive buzz or that it wont just fizzle out quickly. In order to attempt to create a buzz you need to start a compelling story. This story needs to have elements such as taboo, unusual, outrageous, salacious, interesting, secretive remarkable and/or hilarious. This story then needs to create a conversation.The conversation needs to engage consumers and make them keep the story alive. The bottom line in buzz marketing is that it can be very effective. A company with an unlimited advertising budget has the option of reaching every single consumer in America. But that only amounts to 300 million impressions. An impression does not necessarily lead to a sale. A successful buzz marketing campaign does much more than have impressions, it gets peoples interest. A sensational story makes a potentially boring product a compelling item that consumers want to buy.

Women rights, education, economy, politics

Fundamental aims of Moslem culture include welfare, happiness and progress of human society. Human existence was created as the representative of Allah. Both man and adult female are required to play an imperative role for the cause of serving humanity in a better way. No progress in the field of culture can be possible unless and until woman plays her divergent role in the society. Islam raised the stipulation of woman to a great extent.She has been given rights to property, rights to take part in economic activities, rights to choose life partner, rights to determine his financial requirements and to overcome these and an honorable societal status which was not given by the prior and other contemporary cultures and societies. It is a matter of fact that woman occupied an important place during the Islamic Era and played an active role for the uplift of Society. In this article, I have tried to bring out the importance of the role of woman for the reading of Islamic Culture an d improvement of an Islamic Society.Key words Islamic culture Purpose of creation Status of women Right and duties of women Distinction of Islam Women in ancient refinement There had not been a single purification in ancient world which did not inflict various forms of pains and cruelties to woman. Study of history reveals that that during several(predicate) era, women had muddled their recognition in their respective civilizations. * Assistant Professor, Department of Islamic Studies, NIJML, Islamabad, Pakistan Jiht al-lslm Vol. 5 Oanuary-June 2012) No. 2 Not only had she lost her capabilities but also her freedom.Moreover, she had to lose her worth and status. She was maltreated in each society and every part of the world. As far as her moral and logical rights concerned, she had fallen to the lowest level. In different nations of the world, she was living her life in miserable and terrible conditions. She was forced to marry and sometimes into adultery. Other became heirs of her wealth irrespective of the intensity of her financial needs. She secondary to her husband and father or any male member of her family. Her husband used to become the owner of her wealth yet before her death and also became her master.It all happened when the nature was changed. It all happened hen nations left the way of God and followed the path of Satan. However, a moderate way, which harmonized with nature, science and human interest, existed there. And this way is Islam which is established by God himself. Women in Greek civilization Despite the fact that Greek civilization was the most modern civilization among the ancient nations, the Greeks considered woman the essential inconveniences and fountain head of all problems. She was cut-off from society.She had only one Job to do i. e. , to give birth to children. There were many women who were compelled to do adultery. Mothers were also forced to do adultery. Furthermore, sisters were forced to marry against their will. Sh e was looked down up in the society she was treated as a servant she was maltreated. Their concept of woman was faulty (1) . Famous writer Demosthenes says, Women were used to quench the thirst of sex and men had them as girl friends. They had wives to produce children and girl friend enjoy their corporeal contact with them.

Introduction to Axis Bank

trigger TO axis of rotation depose Commercial avering run which includes merchant avering, direct finance infrastructure finance, venture thermionic valvepolis fund, advisory, trusteeship, forex, treasury and some other(a) related fiscal services. As on 31-Mar-2009, the Group has 827 branches, extension counters and 3,595 automated storyteller machines ( airs). bloc aver was the maiden of the new unavowed tills to wipe out begun mathematical operations in 1994, after the organisation of India all(prenominal)owed new private affirms to be established.The bevel was promoted jointly by the Administrator of the specified undertaking of the unit depose of India (UTI I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU damages companies, i. e. field Insurance Comp all Ltd. , The New India Assurance Comp both Ltd. , The Oriental Insurance Company Ltd. and fall in India Insurance Company Ltd. The bevel today is capized to the extent of Rs. 359. 76 corers with the reality holding (other than promoters) at 57. 79%. The jargons Registered Office is at Ahmadabad and its Central Office is located at Mumbai.The hope has a really coarse terminalwork of more(prenominal) than 853 branches and Extension Counters (as on 30th June 2009). The rim has a network of all over 3723 airs (as on 30th June 2009) providing 24 hrs a day banking convenience to its nodes. This is one of the largest ATM networks in the country. The bushelory pecuniary institution has strengths in both retail and corporate banking and is committed to adopting the best industry pr coiffeices internationally in order to extend to excellence. HISTORY OF AXIS entrust In 1993, the chamfer was incorporated on 3rd December and enfranchisement of seam on 14th Dece11mber.The coin bank transacts banking work of all description. UTI savings bank Ltd. was promoted by Unit Trust of India, Life Insurance Corporatio n 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 smotherd by the run batted in. In 1997, the banking company obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as legal guardian to Debenture Holders. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7. 5 crores, GIC and its four subsidiaries Rs 1. crores each. In 1998, the Bank has 28 branches in urban and semi urban beas as on 31st July. All the branches are fully computerized and networked finished VSAT. ATM services are available in 27 branches. The Bank came out with a public issue of 1,50,00,000 No. of equity allots of Rs 10 each at a premium of Rs 11 per share aggregating to Rs 31. 50 crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. Out of the public issue 2, 20,000 shares were reserved fo r allotment on preferential basis to employees of UTI Bank.Balance of 3, 47, 80,000 shares were saturnineered to the public. The company offers ATM separate, using which figure-bearers scum bag withdraw coin from any of the banks ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational flexibility for its clients. UTI Bank leave behind sign a co-brand proportionateness with the trade, leader, Citibank NA for entering into the highly promising credit card cable. UTI Bank promoted by Indias pioneer mutual fund Unit Trust of India a immense with LIC, GIC and its four subsidiaries.In 1999, UTI Bank and Citibank redeem launched an international co-branded extension card. UTI Bank and Citibank have come together to launch an international co-branded credit card under the MasterCard umbrella. UTI Bank Ltd has inaugurated an off site ATM at Ashok Nagar here, taking the total return of its off site ATMs to 13. m In 20 00, the Bank has announced the launch of Tele-Depository serve for Its depository clients. UTI Bank has launch of iConnect, its earnings banking Product. UTI Bank has sign-language(a) a memorandum of understanding with equitymaster. om for e-broking activities of the site. Infinity. com fiscal 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 write a MoU with UTI Bank to enable investors to buysell demat stocks by means of the companys 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 imparts against shares to SCHCILs customers and funding investors in public and rights issues.ICRA has upgraded the rating UTI Banks Rs vitamin D crore certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. In2001, 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 a 62 per cent rise in net profit for the quarter ended family line 30, 2001, at Rs 30. 5 crore. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crore. The total income of the bank during the quarter was up 53 per cent at Rs 366. 25 crore. In 2002, UTI Bank Ltd has informed BSE that Shri B R Barwale has resigned as a music director of the Bank w. e. f. January 02, 2002. A C Shah, causality chairman of Bank of Baroda, also retired from the banks advance in the third quarter of last year. His place continues to be va toleratet. M Damodaran took over as the director of the board after taking in the reins of UTI.B S Pandit has also joined the bank s board ulterior to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been dictatorial as an additional Director gutterdidate of CDC monetary service of process (Mauritius) Ltd of the Bank. And Shri Donald Peck has been prescribed as an Additional Director ( nominee of South Asia regional Fund) of the Bank. UTI Bank Ltd has informed that on laying down the percentage 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.In 2002, B Paranjpe & Abid Hussain cease to be the Directors of UTI Bank. UTI Bank Ltd has informed that in the run across of the Board of Directors following decisions were assimilaten Mr Yash Mahajan, depravity Chairman and Managing Director of Punjab Tractors Ltd were appointed as an Additional Director with immediate effect. Mr. N C Singhal former Vice Chairman and Managing Director of SCICI was appointed as an Additional Director wit h immediate effect. ABN Amro, UTI Bank in pact to share ATM. UTI Bank Ltd has informed BSE that a meeting of theBoard of Directors of the Bank is scheduled to be held on October 24, 2002 to con spotr and take on record the unaudited half yearly/ quarterly financial results of the Bank for the half year/Quarter ended September 30, 2002. UTI Bank Ltd has informed that Shri J M Trivedi has been appointed as an alternate director to Shri Donald Peck with effect from November 2, 2002. In 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 banks 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 tag another step towards the extensive c ustomer banking focus that we are providing across the country and reinforces our commitment to vex 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 jointure Bank of India and Prof.Jayanth Varma of the Indian Institute of Management, Ahmedabad as additional directors of the Bank with immediate effect. Further, Mr. Pannir Selvam give 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 crs, in one or more tranches as the Banks grad II big(p). -UTI has been authorized to launch 16 ATMs on the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the ebt r ecovery tribunal at Mumbai to Recover Rs. 85cr in overdues. -UTI bank made an entry to the food Credit Program me 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-paid travel card Visa Electron survive Currency Card -Allotment of 58923 equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract provoke 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 wef November 12, 2003. -UTI Bank unveils new ATM in Sikkim. In 2004, Comes out with Rs. euchre mn Unsecured Redeemable Non-Convertible Debenture recognise, 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 Shriram Group Cos -Unveils premium devotement facility through ATMs applicable to LIC UTI Bank customers surface junction (MJ)- the online trading and 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 study contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. 6% stake in UTI Bank for . m -UTI Bank installs ATM in Thiruvananthapuram -Launches Remittance Card in association with Remit2India, a Web site oblation money transfe r services In 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. In 2006, UBL sets up branch in Jaipur -UTI Bank unveils priority banking lounge. MANAGEMENT OF AXIS BANK Promoters bloc 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 crore, with UTI contributing Rs. 100 Crore, LIC Rs. 7. 5 Crore and GIC and its four subsidiaries contributing Rs. 1. 5 Crore each SUUTI Shareholding 27. 02% erst Unit Trust of India was set up as a body corporate under the UTI Act, 1963, with a view to encourage nest egg and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India ( modify of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifur cation of UTI into 2 entities, UTI-I and UTI-II with effect from 1st February 2003.In accordance with the Act, the Undertaking specified as UTI I has been transferred and vested 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 modernly 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.MEANING OF WHOLE BANKING OPERATION The Wholesale Banking contains products sold to large and midst market mercantile companies, as soundly as to consumers on a wholesale basis. This includes bestow, treasury management, mutual monetary resource, asset-based totaling, commercial real estate, corporate and institutio nal 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 gives 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 bestow 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 diagnose for this activity is Wells Fargo Foothill, and is regularly marketed in tombstone ads in the Wall Street Journal.Wells Fargo also owns Eastdil Secured, which is expound as a real estate investment bank but is essentially one of the largest commercial real estate brokers for very large minutes ( such as the purchase and sale of large Class-A office buildings in central pedigree districts throughout the United States). The wholesale banking operations consist of the following proceeding 1. break of sum up 2. Issue of Check book 3. internationalist neb / 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. every quarter aim Statement 13. Loan initiation 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 while. For example banks are important players in financial markets and offer financial services such as investment currency. * Banking can also be defined as engaging in the business of keeping money for savings and checking banknotes or for exchange or for issuing loans and credit. Transacting business with a bank depositing or with swig funds or requesting a loan. * Bank a supply or stock held in reserve for future use (especi ally in emergencies) MEANING of BANK An organization, usually a corporation, chartered by a state or federal government, which does approximately or all of the following receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them discounts notes, drives loans, and invests in securities collects checks, drafts, and notes certifies depositors checks and issues drafts and cashiers checks.PRADUCT OF AXIS BANK * Easy Access economy identify * Saving Account for Women * Prime Saving Account * Senior Citizens Saving Account * precedence Banking * corporal Salary Account * Trust /NGOs Saving Account * Resident Foreign Currency Account * Online Trading Account * Current Account * Term Deposits * Locker Facilities * NRI serve * Depository service * Financial Advisory Services * Wealth Management Services * Insurance Solutions Life and General * Retail Loans * Credit Loans * Travel Currency Cards * Remittance Cards CUSTOMER SERVICE IN BANKING OPERATION deterrent DROP BOX FACILITY RBIs Committee on Procedures and Performance Audit on humans Services have recommended that both the drop box facility and the facility for ack directledgement of the run downs at the regular entreaty counters should be available to customers and no branch should refuse to give an acknowledgement if the customer tenders the substantiations at the counters. * bare OF CHEQUE BOOK 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 depositor is forced to sign a declaration that a dispatch by the courier is at the depositors 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 unde rtakings 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 business relationship / PASS BOOK The Committee has illustrious that banks invariably show the entries in depositors passbooks / statement of peaks as By Clearing or 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 remit are provided to the receiving bank. In some cases computerized entries use sophisticated codes which just cannot be deciphered.With a view to avoiding hold out 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 periodic periodicity prescribed by us while sending statement of accounts. 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 banknotes and bonds. Banks lend money by making advances to customers on current accounts, by making installment loans, and by invest in vendible 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 absolution companies are not normally considered an passable substitute for having a bank accou nt. 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 more 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. ACCOUTING FOR BANK ACCOUNTBank statements are accounting records produced by banks under the mingled accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts debit entry and credit. Credit accounts are Revenue, Equity and Liabilities. debit entry 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 both 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 ordinate 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. The reason for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the banks liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the banks 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 account holder which is traditionally what most people are used to seeing. ECONOMIC chromosome mapping * ISSUE OF MONEY In the form of banknotes and curren t accounts subject to cheque or payment at the customers order. These claims on banks can act as money because they are negotiable and/or repayable on demand, and hence apprised at par.They are effectively transferable by mere spoken communication, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * NETTING AND SETTELEMENT OF PAYMENT 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 unexceptional commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the banks 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 problem and pledges assets as security, to rise the funding it take aims to continue to operate, this puts the note holders and depositors in an economically subordinated position. MATURITY alteration 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. masturbations and redemptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if ask, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets).BANKING getS Banks offer many different conduct to admission fee 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 institutions 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 banks 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 fore ign bank. * Mail is part of the postal system which itself is a system wherein 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 pen nib payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the net profit through a bank, credit union or building societys secure website. * winding banking is a method of using ones ready phone to conduct simple banking transactions by remotely linking into a banking network. film banking is a term used for performing banking t ransactions or nonrecreational 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. TYPES OF INVESTMENT BANK * Investment banks underwrite (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. foreign venture capital firms, they tend not to invest in new companies. MORTGAGE BANKING mortgage banking deals primarily with originating mortgage loans and help them. Read more about it here as well as about what a calling 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 straightway. 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. hither are a few pointers about the nitty-gritty of mortgage banking. * MORTGAGE BANK SPECIALIZE IN MORTGAGE LOANS Un comparable a savings bank that is federally chartered, in general mortgage banks specialize in notwithstanding 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 th e lenders in the secondary market. * MORTGAGE BANKS DIFFER IN size of it 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 bewilder TO SOURCES OF RAVENUE The two main sources of income are from loan servicing fees (if they are into loan sevicing0, 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. DEFFERENT BANKING LAW APPLY TO MARTGAGE BANK Mortgage banks usually operate under banking laws that are quite different, fit to the state they operate in. You will need to check each individual states 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 col lege 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 professionals job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and directing 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 ask 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. KYN (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three demonstrations from their customers they are 1 Phot ograph 2 induction of Identity 3 Proof of address Accordingly, axis of rotation 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 temperament of documents required / procedure to be followed for opening a new account. You may also log in to our website www. axisbank. com for such information which is displayed product-wise. ORGANIZATION STRUCTURE OF AXIS BANK SAVING ACCOUNT INFORMATION Definition A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. * TYPE OF SAVING ACCOUNT IN AXIS BANKING * * ZERO symmetricalness SAVING ACCOUNT At bloc Bank it has been constant attack to create products specifically catering to your demand.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 q uarterly 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 point of Rs 50,000 6. 247 Tele banking & internet banking . Free quarterly statements 8. Free monthly e-statement * CONDITION APPLY 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum * KRISHI SAVING ACCOUNT (KHETI HO KHUSHAHALI KI) axis Bank offers a unique savings account which is liberal 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 nest egg Account. Some of the features of our new product are * AVERAGE BALANCE REQUIREMENT This account is offered with th e requirement of maintaining the half-yearly average balance of Rs 1000 only. * 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 good carry out your transactions through any of the branches or ATMs. * AT PER 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 up to the limit of Rs 50,000. * EASSY ACCES SAVING ACCOUNT(BANKING MADE E ASY) * A Accessibility * C Convenience * C Comfort * E meshwork * S Speed * S Service Want a savings account that transcends geographical boundaries?Presenting, Axis Banks Easy Access Savings Account. The account is an endeavor by the Bank to understand the consumers needs and delimit 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. ,500 in semi urban centers and Rs. 1,000 in rural centers. * At-par cheque * ATM profits * Anywhere Banking * Tele banking * iConnect * 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 q uarterly 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 recompense ACCOUNT Our Corporate Salary Power Offering is designed to offer payroll 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 take to be to the end user. * BENEFIT TO EMPLOYERS * businesslike salary disbursal. Web Upload Transfer salaries/reimbursements directly from your current account with Axis Bank to your employees 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. * BENE FIT TO EMPLOYEES * No minimum balance criteria. * Unparalleled Access Anywhere banking facility through our network of forkes, ATM and Internet banking facility. * AT Par cheque books payable locally at all Axis Bank locations. * International Debit cum ATM cards with enhanced silver 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. repast Cards on a master card platform. * Employee Reimbursement accounts as a savings account variant. advantageous pricing on loan products and credit cards and other banking products services. CURRENT ACCOUNT INFORMATION * 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 mon thly Average Balance (MAB) of Rs. 10 lacks. 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 deposit facility 10. Payment of Government Taxes/ Dues 11. Foreign exchange services. * ZERO HASSLE BALANCE miniscule businesses rising on the growth graph need the right of nurturing and appropriate solution for their growing banking requirements. Recognizing these needs, Axis Bank present you the Local Current Account geared to answer all kinds of local business requirements.At a monthly Average Balance (MAB) of Rs. Nil. FEATURES 1. Zero Balance facility 2. 75 free transactions every month 3. Rebate on Annual Charges 4. Up front Annual Fee 5. Mobile Banking 6. ATM cum International Debit Card 7. Free Internet Banking 8. Tele banking 9. Free Monthly Account Statement * BUILDERS AND REAL ESTATE Axis Bank unde rstands the increasing demands on businesses in this segment . Heres 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 adding 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 3. 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 0. Mobile Alerts 11. ATM cum Debit Card 12. Free Monthly Account Statement TRAINING AND WHOLE BANKING OPERATIONS * CORPORATES Corporate Banking reflects Axis Banks strengths in providing our corporate clients in India, a wide arra y of commercial, transactional and electronic banking products. We achieve this through advanced(a) product development and a well-integrated approach to relationship management. * Funded Services Working Capital Finance, Bill Discounting, export 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. 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 small and as demanding as ever. And as your business expands and enters n ew 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 cope with the demand. Thats 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 vary 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 spiritualist business enterprise. From working capital finance to credit substitutes from export credit to construction equipment loan we cater to almost 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 prod 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 dont 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 odd 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 added services. Theres corporate salary account which ensures smooth pa yment 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, bondage 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.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 wherein customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E- ragin g Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * * Opening of L/Cs is done by the bank on behalf of Government of India, Mints and Presses, and so facilitating imports for the Government. Collection of levies and taxes on behalf of Municipal Corporations i. e. Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Disbursement of Pension to retired Employees of Central Govt and Defense 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. FINDINGS AND SUGGESTIONS * FINDINGS 1. Bank is having 853 branches all over the country. 2. The number of branches should be increased. * SUGGESTIONS- 1. Number of Branches should be increased covering a wider area in various states. 2. A wide publicity to be given about the organization and its products through various means of communications to keep growth moments. 3. More number of training and educational programmers should be include in Banks schedule. . Developing a learning culture through continuous learning process. COMPETETIORS * ICICI Bank Ltd. * HDFC Bank Ltd. * State Bank of India * HSBC Bank * RBS (Royal Bank of Scotland) * Maharashtra Bank of India * Canara Bank * Andhra Bank * IDBI bank * Bank of India * Punjab National Bank * Central Bank * Allahabad Bank * ING Vysya * Centurion Bank CONCLUSION Axis bank has developed intricate in short period of time due to facilities and services provided to their customer and this growth rate can be keep it up if they start to go in semi-urban areas.In last couple of years they have opened new many branches and they should open man y more. The working staffs are very co-operative in nature and due to that the bank will also get good benefit. Axis Bank has provided their customer Net-banking facilities and due to that transactions are done fast. Charges at Axis Bank are on lower side when we compare it with other Banks BIBLIOGRAPHY SR. NO. REFERENCE 1 * A New Beginning The blow Story Of Indian Bank 2 * Bank Marketing Concepts And Applications Banking And Finance 4 Banking Developments in India 5 Basics of Banking 6 Bank leaflet and Boucher 7 Internet CONTENTS * INTRODUCTION TO AXIS BANK * HISTORY OF AXIS BANK * MANAGEMENT OF AXIS BANK * DEFINITION OF BANK * PRODUCT OF AXIS BANK * CUSTOMER SERVICE IN BANKING OPERATION * TRADITIONAL BANKING ACTIVITIES * ACCOUNTIG FOR BANK ACCOUNT * ECONOMIC FUNCTION * BANKING CHANNELS * TYPES OF INVESTMENT BANK * MORTGAGE BANKING * ORGANISATION STRUCTURE * FINDINGS AND SUGGETIONS * COMPETETIORS * CONCLUSION * BIBLIOGRAPHY