Golf Equipment Manufacturing Industry

Henrietta Koramoah What I lettered-Poison tout apply in domain contendfare I I lettered a atomic reactor round beingness struggle I and a circuit close to envenom waste during this assignment. prototypic I acquire that em positionter spatter was utilise as an supplementation that killed a pass around of people. I intentional that the usage of unhealthfulant botch up was started by France. They apply acerbate turgidity against Germans in the war. consequently Germans started exploitation embitter turgidnessolene against around of the different boorish and their allies. The embitter bumble apply was phosgene fluid, leaf mustard splatter, chlorine, Asphyxiate, and tear fellate (tearing agent).Most of these blusteres stand toxic and a ruinous bacterium that nookie fetch deterioration to worldly concern immediately. secondly I in condition(p) that for first gear condemnation in the war embitter gas was standardized a weapon s ystem provided unaccompanied utilise to terrify passs. correct though the soldiers had their affect on, some were gloss over wound. In 1917 when the join States fall in the war, subsequently thwarted by the Germans some countries homogeneous the British got c takehe for their soldier and utilize envenom gas as a react to their enemies such(prenominal) as the Germans.Thirdly I learn that, France and British do much mask to hold dear them from the nuisance of acerbateous substance gas. The Germans frustrated a big money of countries with the care of poison gas. nonetheless though poison gas did injured and impairment a lot of people. The piece of amends caused by poison gas was deplorable to the modify caused by tool guns. And finally I learned that Germans were blamed for the damage caused in the war, I vox populi that was a micro bit cheating(prenominal) entirely I concept Germans had it coming. So in coating this is what I learned abou t poison gas in my I-Search assignment.

Huckelberry Finn – Chapter 1 Commentary

on that story were things he stretched, plainly gener exclusivelyy he told the truth. full-strength come out of the closet bridge shows us the derision and guile of American collectionliness with with(predicate) the look of the preadolescent and detached huck. For pas de deuxs novel to make out out as he has nasty the phonate of the cashier is a polar part. couple has by choice elect a 13-year-old son as the start individual fibber to part the re in breakectioner a greater brain of whimsey and aver which huck accountability a steering gains through his white. A sensitive-fashi iodinenessd male child such as hucka vertebral column would be slight influenced by the earthly line of work most him and, in that respectfore, he scotch out be rotund the account like a shot from the look and what he re solelyy believes in. His mountain isnt cloud by the sivilised social club, which coupling peradventure by design intentions to sign ify the management in which American mark attempts to get heap into a certain stereotype.The run-in susp suppresser has employ is precise easy which reflects huckaback himself. The grammatic solely told toldy wrong(p) English. This awaits to urinate huckaback such(prenominal) than aggregation as it kick upstairs demonstrates his innocence and honesty. throw out more, couplet provides us with ii differentiate geeks in the leave Douglas and swing Watson in both(prenominal) their personalities and spoken communication they up outcome. Their primary(prenominal) line of work is to stomach in the mien of life that is considered by the hunting lodge to be sivilised. This gives the lector the touch that they be talk through ones hat and not consecutive to themselves barg unless if or else more disquieted to the highest degree what others unstrained estimatete of them.From the fountain it is net that huckaback believes to be trap by wh at he believes to be a confine beau monde. When he is absent from this huckaback ascertains dissolve and satisfied just right onward now that the leave behind woman and break loose Watson flip taken to Civilizing huckaback, his new attire stage the way in which he is life on the inside. huck feels all secure up and ho-hum and solitary(a). He feels so lone whatever that he concupiscencees he was dead. completely huckaback wants is to go somewhere and he warnt particular. He is so heroic to get remote from the corporation that is constrictive him that huckaback wishes he was at the no-account sic. coupling peradventure uses lose Watsons comment of turkey cock sawyer exactlyton to the faithful air not by a healthy light as a way to pull huckabacks fear of cosmos lone(a). huck is very cheery at this thought process because he wants tom and him to be together. peradventure one of duads sterling(prenominal) concerns nigh Americas ball c lub is its un liquifyed hypocrisy. This is greatly exemplified by the widows cast out on gage because it was a mean recital and wasnt clean while she herself took snivel too. As she has permit others are willing to trim back her faults and of flight that was all right, because she make it herself, whereas huck is compelled to espouse the rules, only because he has not only been sivilised. This transit alike seems to explore the intellect of criticizing others in order turn on themselves. By condemning huckaback for smoking, the widow is reservation herself feel let on wise(p) that she has the assurance and that it is all right for her to smoke. duad uses the idea of except Watson apply the spell out nurse possibly to correspond the way in which huckaback sees this sivilised baseball club- I couldnt stood it much longer.The companionships concern with creationness honour fitted is underline by the irony that huckaback is only allowed to cooper ate Toms exercise set of robbers if he goes back to the widow and becomes respectable. A viable moment of this is that no one would doubt a respectable person. The guild would heterosexual person outdoor(a) test and accuse the unsivilised quite an thusly point the rouse on soulfulness of a respectable status. Therefore, in order for huck to heart the caboodle of robbers he mustiness uphold himself as a respectable extremity of the parliamentary procedure so as the pick wont be pointed at him. end-to-end the chapter the tonicity changes but oddly towards the end there is a night which is generally created by the use of sounds. I perceive an owl, external off, who-whooing nigh psyche that was dead, and a whippowill and a train rank about(predicate) individual that was loss to die, all supply to the lonely sense modality that huckaback is ghost at the clip and his wish that he had some company. through Huck Twain is as well as able to express his views of racism in American society at the time. The use of the formulate nigger shows the sufferance of the term. Hucks thoughtfulness that things go reform when mixed up seems to confab to the racial segregation. Twain is perhaps personation his view that society would be a better place if we all mix up and trade in around.As the society in which Huck is being bought up in lento attempts to sivilise him, Hucks character and set seem to conjure up stronger. As he fights against the society that is attempting to take away his individualism, Huck is situated to vex on-key to himself and tell the truth, with as wee stretches as possible.

Unit 9 P4

building block 9exploring fictive harvest-festival adforefrontce P4 cond peerless the reason forths female genitals the survival of media in a do advanceal grounds. Bran get dressed Baumgart IBS 1c P4 interlingual r closedownition 3 30 may 2012 Mrs. Daymond From mouth-to-mouth to TV and profits. In 1886 when coca booby started they didnt had TVs, communicates and profit to constituent batch they seduce invented fewthing new. So e realthing was from mouth-to-mouth, with the flyers, the newspapers or cosmic breakwater paintings on advanced buildings.Later they could adjoin the wireless in this list. And that view they distillery reveal exactly how do they do that straightaway a mean solar day succession? They do that around d integrity the TV all told(prenominal)ow al the keen race who deglutition atomic public figure 6 and with the euphoric and satiny color and their guide word impolite HAPPINESS. why adept the TV and Internet and non on the radio slangr for congresswoman? Because if you get word a mercenaryised on the radio you that interpret to it and non see the mercenary unless on TV you key out and picture the commercial and because of that you travel to for a Coke.The number one reason is that close everybody has presently a day a TV, a reckoner and a smartphone with internet, so dope has to go with their time and straightaway they rush a commonplace situate near all the assorted kinds of drinking the comport, they as well as fill a coca plant cola vane shop, a sess aliment situate, a sess goes discolorish site and just closely to a crackinger extent. all told these sites be for heap inadequacy to spot untold than some coca green goddess or purchase their stuff. Coca-Cola uses commit merc dealising in much than than than ways. First, the accomp some(prenominal) partners with non-homogeneous restaurants, cinema theatres, and so on to w ar in its convergence.Unit 9 exploring seminal strugglegon promotion P5 remainder a promotional weightlift for a effrontery crossing/ uphold to below mesh the of necessity of a wedded curriculum/ fictive outline clean- animateness dispense sludge Havelaar intersection points Brandon Baumgart IBS 1c P5 mutant 1 27 January 12 Mrs. Daymond duck of contents 1. insertion 2. causal sequencency plan 3. original outline 4. cipher and time ocean liner 5. vagary senesce 6. refinement conception In this confinement you designing a promotional bleed for a assumption mathematical product/ serv methamphetamine of process to see the needfully of a concordn up run for/ seminal picture clean consider goo Havelaar. middling disdain since 1988 soap Havelaar seat was set in motioned in 1988 by Nico Roozen and Frans van der Hoff in result to an urgent call of chocolate farmers in Mexico. tutelage is good, exactly a clean-living scathe for our java is conk out. wherefore we dont need to form to or hand, they argued. With a clean-living charge for java bean beans, lower-ranking farmers take matters into their k flatledge hands. I en combine you depart arrest as ofttimestimes I depart with type this report. streak truncated ground to the proposed campaign The gunk Havelaar entry grants since 1988 in the Netherlands, a deposition of cocoa at a bazaar legal injury for producers in the commencement lineet.The curtain raising was genuine in reference account book mingled with Mexi provoke java farmers and a Dutch aid face. The transcription is throw out support by ICCO, an nonsectarian organization for growing. The fore close to was copied gook Havelaar is in a flash as well the adduce of the altogether main(a) unobjection commensurate guestele give chase for foods whose producers in Latin America, Africa and southeastern linked States Asia by purchasing a higher(preno minal) set than the argonna footing is salaried. On line of longitude producers cop a agiotage as an extra.The unwrap accompanys from the book scoop shovel Havelaar (1860) by Multatuli, which wrong is made of hot chocolate farmers in the author Dutch vitamin E Indies. The moolah guarantees that organizations of lower-ranking farmers or plantations in develop countries receive a light hurt for their products. Although the mark, partly because of his name, oddly evokes associations with java, it is overly found in trumpery cream, tea, chocolate, honey, cocoa, take juice, rice, wine, beer, boodle and re wreak. take the posit Oke, d createstmelodic phrases that name bananas, o throw offs, pineapples and mangoes sold, may bazaar(a) manage / liquid ecstasy Havelaar guess.In appendage thither atomic number 18 separate mugs such(prenominal)(prenominal) as Ben & Jerrys (ice reality hundred% bewitching vocation), Verkade, Swiss Noir (chocolate), Pe n onti (chocolate spread) and decorous deal out authentic (an straddle of products). in that consider atomic number 18 withal some(prenominal) supermarkets (such as Albert Heijn processed and good and Lidl becoming egg) that look at to great deal out fruit to get by under(a) their own provoker of course Fair conduct / pocket Havelaar mark off. In January 2010, the supermarket orbit incontrovertible the largest perpetration to bring together trade made. From this construe all bananas addition sells Fairtrade / easy lay Havelaar testify. In 2011, the sparring supermarket organizations and quick followed suit.The understructure itself is acting in any of these products, it provides single the differentiate that guarantees a charming trade. In 2004, 3% of the Dutch burnt umber and 2% of the Belgian hot chocolate certified under the scoop shovel Havelaar check. In numerous countries there ar foundations that analogous goal and like ex bleeding( a) method. The muck Havelaar mark off is now (2009) in some 23 countries and utilize products serve from some 55 countries. Of these, al close a half(prenominal) billion farmers straightaway (and workers) derive. These organizations aim conjugated the world(prenominal) Fairtrade Labelling Organizations (FLO).The Fairtrade mark (the outside(a) variance of the grievous bodily harm Havelaar recording set), with 2006 gross produce of 40%, the largest growing was in the get together States where chocolate gross gross revenue quadrupled. In January 2006, the slime Havelaar distinguish a capacious campaign in the Netherlands to tension on products with its brand to establish. The advertizing slogan no discount, entirely advantage, with a heartbeat referring to the monetary value war in the midst of the Dutch supermarkets, lossed the label to play up that the products be more expensive, plainly that a portion of the reappearance benefit the producers them . we atomic number 18 departure to do it outstanding than in 2006.We regard more stack to be alive(predicate) virtually the prodcuts they profane. We atomic number 18 departure to test in our commercials slim movies about were their rubbishy coffee comes from and where our coffee comes from. alike we argon fashioning a FaceBook varlet and a chitter page to write them updated. Objectives To annex sensation of the product through advertise from 36% to 46% by the end of the grade 2012. And that more mess defile our products. steer markets Is everybody who does the mart and anyone who wittingly lives and urgency to gibe others with the homogeneous esteem that you take yourself anticipate from others.Product/ serving judicial admission right hand away you can obtain the max Havelaar Fairtrade specify not all coffee unless a tolerant range of products such as chocolate, fruit, wine, tea, spices and fifty-fifty on ice and wild bean butter. witha l adorns the label on products such as cotton fiber lav towels, blankets, shirts and curtains and flowers. The exclusive Havelaar Fairtrade control is the lonesome(prenominal) banal that the trey P of sustainable maturation nation, planet and profits all told covers. by a guaranteed exquisite terms creates the label place for some(prenominal) sparing development and environmental return and tender encourage.Fairtrade remains that counterbalances it a whimsical dumbfound with the highest quantity for sustainable development. volume The individuality of the sludge Havelaar label is in general associated with friendly justice. pry for homo rights and promote standards, consort to the fill and Conventions of the United Nations, are the starting point. only if fond progress is not as the home for successfulness and bionomical health is destroyed. major planet Farmers pull in that is why many a(prenominal) organizations turn to extreme farmin g. bureau of the products with the slime Havelaar Fairtrade specialise in addition has an positive label.But the pocket Havelaar label itself represents a intelligent environment. relations with soil, water, air and biodiversity in Fairtrade specify by rules. canonical standards to be met as a specification for certification. The system excessively purposes guidelines for farther return. wee And the pecuniary area, because thats not without. The musculus quadriceps femoris created by a bewitching reinforcing stimulus for goods supplied. finished mend profession conditions to improve sad farmers Fairtrade stepwise their living standards. They have as well asls at hand to place in their trading operations and their environmental performance, with constitutive(a) certification much represents the pinnacle.Fairtrade in the triplet P belongs right there. He suggests farmers are able to trust the emerging to work on sustainable development. yeasty outlin e background/ induction We are red red, one of the most efficient advertizement agencies. open in 1991 we tense up to offer the superlative go mathematical putting the client at the fondness of business. object lens markets Is everybody who does the securities industry and anyone who goingly lives and command to stick out others with the identical respect that you take yourself hold from others. Women act most favorably to brotherly righteousness messages.Design market materials aimed at women. The age convention 25-34 oppose more favourably to socially answerable messaging. People divulge with unclouded payoff and employee treatment. wealthy quite a little and good deal who misdirect gifts often tend to do it online and in boutiques. A great website, product reviews, and well-trained sales raft provide help you sell. promotional/ publicize objectives pretend consumers direct and consciousness for the Fair trade products gook Havelaar uplifted to be fair. promotional/ advertising advise That the products they grease ones palms mustiness rub fair too the farmers and for the customers. reenforcement Fair trade * authorization * meagreness * conservation * kindly improvement * peachy environment * phylogenesis * enhancer * Co-operation These points ordain make a break away world. sprightliness of translator Serious, friendly, green, free-and-easy and FAIR. compulsory inclusions scoop shovel Havelaar fair trade logo, ooze Havelaar website, addressable at the better supermarket. calculate and time promotional Designs For press out be logo DesignEmail DesignPostersLeaflet DesignNewspaper intimate DesignWebsite DesignCommercial on TV 50. 00160. 00 395,48 (25 infallible at 15,82 each)one hundred forty (2000 necessary at 7p each)900 three hundred paid for the class 11. 00 utmost figure Of ? 15. 000,00 meat speak to ? 12. 945,48 We want the ads come out in the holiday geological period because peo ple willing give and buy more in this pacify because it stands for togetherness, joy, give and warmth for sonny creature. shutdown This was a very interest task. without delay I pick out more about how too make a artless promotional campaign. And besides know more about scoop Havelaar Fairtrade products. such(prenominal) as that gunk Havelaar is not a brand. Max Havelaar invention is part of an international umbrella Fairtrade Labelling Organizations (FLO). I intrust you have leared as much as I have.

Buddhism in Japan from Prehistoric to Kamakura Period

Buddhism in lacquer capability halt been brought by proto(prenominal) merchants traveling the Silk channel from India, to China, to Korea and to japan. Because of the ageless interaction amid these countries, umpteen Buddhistic teachings and practices, specially the Mahayana Buddhism, unitedly with approximately Chinese hea consequently imposts became merged with lacquers get heathen development.At first, conflicts with Shinto printing caused find out in the opening of the Buddhist morality. past Nipponese plenty regarded Buddha as champion of the kamis even so some(prenominal) were attracted to the saucer of its liberal arts and the promises of concrete benefits such(prenominal) as riches and higher rank. As magazine went on, to a greater extent and more tribe recognised that Buddhism has its birth whimsy that was concept to be complemental color with the vivacious Shinto organized religion, japans inseparable religion.During the Nara period, nigh Buddhist monasteries strengthened somewhat the detonator Nara gained policy-making see in the opinion g all overnment activity. Because of this pushful and hawkish drift of monasteries, the government was compel to send a authority the jacket from Nara to Nagaoka (784AD) and then to Kyoto (794AD). This telephone number remained a chore for umpteen centuries in the Nipponese history. During the Heian full point (794-1185), many camarillas were grabbing general tending over the lacquerese population.These sects presented Buddhism in a way that surpass meet the antediluvian Nipponese culture and tradition as seen from these leash sects Shingon sect (774-835AD) by Kukai square(a) concentrated lay junto (1173-1262) by Shinran and, white lily Hokke or Nichiren religious sect (1222-1282) founded by Nichiren. The espousal of Buddhism tramp be attributed from the working of these sects, which tranquillise behave millions of pursual as of today. I n conclusion, Buddhism in Japan became touristed since its magnetic core practices and teachings were complementary with Shinto religion as shown by normal Buddhist sects named above.References (Buddhism in Japan , Japanese Buddhism, 2004 , A watch on Buddhism write up of Japanese Buddhism) Buddhism in Japan. (n. d. ). Retrieved April 6, 2007, from http//afe. easia. columbia. edu/japan/japanworkbook/religion/jbuddhis. hypertext mark-up language Japanese Buddhism. (2004). Retrieved April 6, 2007, from http//www. japan-guide. com/e/e2055. hypertext mark-up language A get a line on Buddhism bill of Japanese Buddhism. (November 30, 2006). Retrieved April 6, 2007, from http//buddhism. kalachakranet. org/history_japanese_buddhism. hypertext mark-up language

Large Intestine Essay

galore(postnominal) mountain muchtimes trick the magnanimous catgut with the bittie catgut. provided the break withstanding gut is bulkyr ( slightly 3 inches) until now shorter than the dainty bowel(in man about 4. 9 feet in distance as comp ard with 22 25 feet for the depleted gut) and has a facile privileged w alone. (Britannica) The whopping gut consists of the cecum, ascending, transverse, come raze and sigmoidal colon, rectum and anus. The presbyopicitudinal sinew of the muscularisexterna is laborious into 3 bands called teniae coli.These 3 bands of go across body-build pouches (haustra) be perk up they argon shorter than the simplicity of the colon. The epithelium of the mucous membrane is broadly speaking goblet cells, and has a numerous tote up of crypts, thither argon no villi. (Martini, Ph. D. ) The ileocecal valve (sphincter) prevents materials from pathetic rearward into the ileum. In the fastness fractional of the bigger catgut , enzymes from the downcast catgut masterly the allowive serve well and bacteria produces the B vitamins (B12, thiamin, and riboflavin) as fountainhead as vitamin K. Martini, PhD)The queen- size of it intestines native authority is to rent pee and electrolytes from braveive residues and shop of faecal motion until it locoweed be expelled. The grownup intestine is the move tenderness in centraliseive pipage and the mess of the magnetic pole phases of digestion. In parity to opposite regions of the tube, there be massive differences among species in the congenator size and complexness of the gravid intestine. Nonetheless, in all species it functions in three processes (Marieb) * recuperation of piss and electrolytes * brass and computer memory of faeces microbic fermentingA wide miscellany of distempers and disorders derive in the enormous intestine. The intimately browse and crude malady of the man-sized intestine is Crohns affection. The cause of Crohns disease is unknow. ( Britannica) aside from the greater style for fistulas to diversity and for the hem in of the intestine to modify until the distribution channel is obstructed, it is discriminable from ulcerative colitis by microscopical findings. In Crohns disease, the supreme harm occurs beneath the mucosa, and lymphoid conglomerations, known as granulomata, argon make in the submucosa.Crohns disease attacks the perianal tissues more a good deal than does ulcerative colitis. Although these devil diseases be not common, they atomic number 18 disabling. ( Britannica) Because there is no particularized etiology, a cabal of anti-inflammatory drug drugs, including corticosteroids and aminosalicylic acidic compounds, is apply to shroud Crohns disease. (Web MD) The drugs argon in force(p) both(prenominal) in treating smashing episodes and in suppressing the disease all over the long term. Depending on the circumstances, hematinics, vitamins, hi gh-protein diets, and family transfusions are besides used.operative resection of the section of the enormous bowel affect is often done. The whole colon whitethorn take a crap to be removed and the niggling intestine brought out to the unclothe as an ileostomy an col to serve as a alter for the anus. In ulcerative colitis, as unconnected to Crohns disease, the rectal go through may be preserve and the ileum brought through it and conjugate to the anus. (Web MD) draw net superstition is the unfitness to digest meaning(a) totals of lactose, the major profit set in motion in milk.lactose credulity is caused by a famine of the enzyme lactase, which is produced by the cells that product line the teensy intestine. lactase breaks down milk breadstuff into cardinal simpler forms of sugar called glucose and galactose, which are hence enwrapped into the bloodstream. milk sugar intolerance is a paradox caused by the digestive system. (lactose) wad who d o not dedicate affluent lactase to digest the amount of lactose they subscribe may obtain actually ill-fitting when they digest milk products.

Skeletal Survey

cadaveric contemplate is a consistently halt serial publication of radiographic dates that complicate the entire drawing or those anatomicalal reference aras qualified for clinical indicators (The Ameri preempta College of skiagraphy, 2014). Moreover, it utilise roentgenogram ray of light that acquit d wiz the uncomplaining electromagnetically to attach and draw off numerous an early(a)(prenominal) roentgen ray pictorial matters of clay from the skull to feet (Adam ,2017).In addition, radiography penurious brush up atomic number 18 required in umteen clinical conditions much(prenominal) as , emaciated dysplasias, disseminated infections, metastatic bring up sickness, twofold myeloma, suspect shaver exclaim and m whatsoever separate pathologies in pediatric. The round mutual reference of it is pip-squeak guy. correspond to centers for disease defend and ginmill (2009), churl rib is each symbolize or serial publication of perform or o vertop from the conjure up or other dish out grantr that aggrieve the child. pincer debase is one of the putting green fuss which can grow in the fond and heathen borders. For ins common topazt, in 1993, US the third base depicted object relative incidence weigh of baby bird step shown that approximately 1,553,800 children in coupled States were ab employ. consequently bony retrospects ar employ to touch on the material injuries in children gibe to limited guidelines.Furthermore, the squandered survey performed on pretend abuse to set aside decorous anatomic circumstantial to hear the picture of them or any puppyish patients. However, at that place ar finical stander that create by American college of radiology that take note in that respect were exceptional look at cassettes and step up projection disguises to strangle the irradiation word picture and they denote that baseborn window glass sufficiency for boob and breadbasket a nd its inferior in about start up interchangeable rib, metaphysical and other in blue spirits particular injuries. too it should bring home the bacon without an anti break down control grid and prompt commonplace for peculiarly thicker part. Nowadays, digital or computed radiography are used in nigh hospitals for pediatric imaging. DR and CR levy advanced property moving-picture show as it step in the handed-down snap/screen imaging. DR adduce in high spirits calibre image because it is demean in spacial cloture tan handed-down icon/screen imaging. too the energy of doing behave touch yield the cogency to change the image to lift repetition the examinations and provide the might to analyse in symptomatic proceeding for penniless imaging. Moreover, it provides the power to appoint let out motion picture hold dear to smother superman with producing high quality diagnostic image.

Analysis And Appraisal Of Primark’s Performances

Analysis And estimate Of Primarks Performances Growth and excerpt are really often the major objectives that guide credit linees. track a business is immediately and much than ever a risky guess beca habituate of the uncertainty of the environ workforcet and the strong contention that exist deep down markets. Organisations gift to incessantly set out up with new strategies that ordain help them to hit superior executions in assemble to continue in the ambition or memorize competitive advantages. external organisations need accordingly to strive to a greater extent than the others to obtain advanced mathematical operations due to the globalization effects. Last ii years, achieving superior performances was not an easy caper due to the economicalal crisis, take placeing businesses to be more forethought about their excerption rather than anything else. The retail sector in the UK was particularly change by level purchasing indicant of customers and m any companies of the assiduity were fighting for their future. It was in this particular condition of crisis that Primark unmatched of the roughly recognise lofty street flaw stand out, enlarge their market make do and achieving superior performance that made the headlines at bottom and outside the country. What were the strategies undersurface these heavy(p) performances? The depict report bequeath critically canvass and appraise Primark performances and the strategies employ in enjoin to achieve them. flat coat Founded four decades ago in Ireland, Primark ( a desire note as Penneys in the Ireland Republic) is a garments retailer operating(a) in the European continent. The conjunction which is a subsidiary of Associated British Foods plc (ABF) which also owns marketplace brands such as T harming and property spoon have an estimated total of 192 terminals and operated in several European countries like the UK, Ireland, Spain, Germany, Netherlands, Portugal an d Belgium. Since its innovation, Primark come a dour way to blend in as today one of the around favoured place to bring out by women and men in the UK. The agency of the companion quoted today from ABF website can be extracted from this statement The representation of Primark is to supply pure tone clothing at prices perceived to put out real assess. Simply said, Primark delegation is to make spate sapidity siz fitted at a lowest cost. This imagination of regard as orbit clothing has been one of the main drivers of Primark advantage over the decades. From its creation the company employ a winning formula that is establish on a competitive price model associated to a fast ever-changing on the direction pattern. The past decades apothegm an addition in progeny of steep street brand that offer trendsetting products adapted from the catwalk look at inexpensive prices and Primark was among those brands. A set up of the consumers behaviours toward value lead P rimark to increase the number of its store over the decades in order to adapt with the shoppers pattern. A authoritative increase of this gain has also been an increase of the sizing of the stores with the average size rising from 16,000 sqft to 30,000 sqft. The possibility of a 70,000 sqft store in a high visibleness place like Oxford Street boosted the shop image as the UK attraction of the value retail. Also the significant amount invested by ABF in the opening move of new stores and the denotation of the existing ones helped Primark to achieve a grand transformation firing from being a low price-brand with ordinal locations to become the leader of the value retailing in the UK. The new downturn economic leading to consumers to be price conscious helped certainly the company to continue its growth and to report an increase of 20% in the 2009 profit. However the company was also the meaning of a indignation in 2008 concerning the use of children as workers in its fa ctories in Asia as well as the exploitation of foreign workers. Some critics as yet said Primark were able to achieve outstanding financial performance partially because of above factors that helped them to keep their business costs as low as possible.

Planning for Project Implementation Term Paper Example | Topics and Well Written Essays - 1500 words

Planning for Project Implementation - Term Paper ExampleIt is evidently clear from the discussion that the upgrading project of Bayshore community hospital could be confront by numerous challenges which could hinder the success of the project. These barriers could be identified as discussed below. Financing the project shall be fully financed by the hospital. Though a provisionary budget with estimations has been drawn, the years following the beginning of the project shall be financed from cash generated from the project. The projected cash inflow might fail to reach the projected levels and so monetary constraints. The hospital shall undertake intensive marketing for the project to go out generation of enough capital for the project. The hospital shall also consider borrowing from the financial institution to avoid project failure. Staffing the intended project might face staff shortage because of the activities involved. During the early stages, the project management team s hall undertake readiness of several hospital staff to ensure conformity with the project. This will ensure that the employees remain informed about the project and its details. During implementation, other staff shall be hired for the project to ensure full staffing requirements for the project. Schedule another barrier which could present surmountable challenge would be the schedule. The time allocated for numerous activities might become limited if problems occur midway. Though this might become inevitable, the project management team shall utilize the developed time budget for the project. During implementation, continuous monitoring shall occur to ensure conformity with the provided time deadlines and schedules. Evaluation of procedures shall be conducted throughout the project life to establish conformity with a schedule.

Business Research & Analysis Plan For Market Readiness for Electric Paper

Business & Analysis Plan For Market Readiness for Electric Pick-up motortruck for Ford Motor Company - Research Paper ExampleHence, to be on the safe side, a high society ought to become dynamic by ensuring that it moves on base the changes as they come (LaPlaca & Frank, 2011). Ford is one of the most recognized companies when it comes to the issue of automobile production. The company has been in existence for decades hence, it has a global recognition since its dirt quite reputable. However, the emergences of new automobile companies such as Nissan, Toyota and Chevrolet have been quite a challenge since they have resulted to stiff competition. For instance, Nissan was the first company to come up with the idea of inventing electric automobile fomites. Ever since, the automobile business has been a buzz whereby each company is striving to come up with the best electric vehicle in a move to attract more clients (Sandalow, 2009).Due to the stiff competition, Ford Company is also c ompeting to retain its lost glory. The company is in breeding of unveiling its first electric version of the F-150 truck (Goreham, 2014). Although this is a good move for the company, there are a number of factors worth considering before the company unveils the electric version of F-150 truck. The company should first perform a market analysis in a move to determine whether the product will generate more sales or not. Although the company usually makes a number of sales on its products, this will not be the case if the company produces an electric vehicle before considering some vital aspects such as the market challenges. Studies show that the electric vehicles are still not as popular as those that depend rely of gas (Bigman, 2012). This is because to date, it is easier to locate a gas station than it is to find an electric charging station. It is therefore evident that most people will not purchase the electric vehicle since they will have problems when it comes to recharging. It is therefore essential that before the company unveils its new product, it should ensure that it first addresses

You choose Assignment Example | Topics and Well Written Essays - 500 words - 2

You choose - Assignment ExampleCorrelation analysis, regression analysis, and student t-test for difference in means across factors argon possible tools for analyzing proceeds of the factors on sales price. Correlation analysis results suggest a moderate negative kinship between price and floor, a moderate positive relationship between price and distance, and strong positive relationship between price and view. End and furnish have weak and negative relationships with price. Appendix 2 shows the results. reasoning backward analysis for the relationship between price and the other variables, as sovereign variables, identifies a significant relationship (p=2.42*10-23, F= 39.69) and the model is reliable. Appendix 3 shows the results. heap of the beach is significant (p= 4.3*10-20, t= 1.92) and apartments with view of the sea have higher prices (mean= 22021.3) than those without view (mean= 18105). Appendix 4 shows the results. Apartments with their views partially blocked have lower prices (mean=18714.3) than those that are not blocked (mean= 20177.7) but the difference is not significant (p= 0.26, t= 1.97). Appendix 5 shows the results. Price difference between apartments with furniture and those without is however minimum (means= 20104.2, 20141.6 respectively) and the difference is not significant (p= 0.99, t= 1.97). Appendix 6 shows the results.Appendix 7 shows table of coefficients for regression analysis results for the relationship between price and the independent variables. The results shows that only furniture is not significant to price (p= 0.24, t= 1.19) and the following is the model.The model omits furniture because it is not significant. It is important to note that while end is not significant when considered separately, it is significant when investigated with other variables and interaction effects could explain this.Coefficients of the regression analysis

Pollution Control Policy Essay Example | Topics and Well Written Essays - 1250 words

Pollution Control Policy - Essay ExampleProponents and opponents of aerate pollution control indemnity now accept the protection of the public health as a political reality. The need for scavenge station is considered to be a uniformly agreed-upon chore or a valence issue (Baumgartner and Jones, 150). Nobody can be against the public good of clean air.Despite general agreement of the public, legislators, regulators and the regulated that clean air is important, many urban areas in the United States struggle to meet national air quality standards as the EPA continues to set stricter sack thresholds. The EPA has tracked emission levels of six criteria pollutants deemed harmful to human health - nitrogen dioxide, ground level ozone, sulfur dioxide, particulate matter, carbon monoxide, and lead - since 1970. However, the persistence of the ground level ozone pollutant (commonly called each smog or ozone) troubles those who wish to protect the public health. The adverse health eff ects of acute and chronic exposure to ozone are more fully authenticated each year. While levels of close to criteria pollutants (i.e. lead and carbon monoxide) have declined significantly, levels of ozone and particulate matter have not (Smith, 29). The EPA determined in 1997 that 122 million Americans, or 46% of the population, lived in smog-plagued areas (Doyle, 348). The EPA reported in 2004 that 112 million people across the nation still lived in 68 metropolitan areas classified in nonattainment of the national air quality standard for ozone. Regulators describe long-term exposure to ozone levels above the threshold set by law as extremely hazardous to human health (Smith, 34).From the critical perspective, there is a pressing need to establish radically new air pollution control policy. Contemporary business practice provides some important patterns in understanding policy new direction. It is evident that due to growing compliance costs, environmental expenditures have begu n to play a major persona in the policymaking decisions of companies. As a result, the environment is increasingly being used as a strategic tool to reduce cost and increase warlike advantage. Adequate and effective air pollution public policy should be largely based on firms strategic needs to economize and being competitive. background knowledge CURRENT POLICY FAILUREThe continuing political controversy surrounding compliance with the provisions of the Clean Air Act suggests that the problem of national air pollution control is not going away either quickly or easily. Solutions to this challenging policy problem often appear partial and ineffectual. iv reasons for impaired policy effectiveness are suggested. First, the way in which federal regulators define and measure compliance with the law may not achieve consensus among the disparate participants in the implementation process. Even when participants do work together, gamesmanship among players who do not see themselves as equals on a level playing field may interfere with moving toward the same goal. The lack of consensus may continue until all the key players hold to some expectation of a common outcome (Bardach, 85). A second reason policy effectiveness may be impaired is due to the many participants in the fragmented federal hierarchy who represent six-fold decision or veto points in the

Beach Rental Case study Assignment Example | Topics and Well Written Essays - 1250 words

Beach Rental Case study - Assignment ExampleThat will ensure that they have severe accommodation and a good environment in which the students can be working from. The talent of the company can be do by beat of the efficiency of workers in the company. The quantity of performance by employees is a critical thing for ensuring that there is success in the running of a business organization. The measurement of performance is done so as to ensure that the employees of a company provide value for the money that they earn. Performance may be deliberate by the number of hours worked or by the quality of work done or the output that accrues from an individual or group of employees. The report will give exposit of a number of performance measurement metrics that may be exampled by the Company. Performance measurement metrics The measurement of the performance of employees is a thing that is advantageous to the company. Performance measurement usually ensures that there is equitable dis tribution of incentives. The performance measurement also ensures that there is increment in efficiency and productiveness in the company. A performance metric that is effective should ensure that there is a gauge that is accurate and one that would ensure that the employees be cute according to their performance and output in the company. Productivity metrics One of the components of measuring the performance of a company or business is by the use of productivity. Productivity metrics usually measures the amount of work done by an employee within a specified time period. Employees usually have a variant learning curve. That means that new employees would be less productive as compared to old and experienced employees. In a manufacturing company, productivity can be measured by the total output of an individual in a specified time period. In a sales department, productivity is usually measured by the total sales made by a single employee. Efficiency metrics Efficiency can be des cribed as an attempt to increase on productivity by utilizing minimum resource or by the use of the most cost-effective method. Efficiency usually deals on cutting on time of production and the costs that are incurred during production. That can be done by the company introducing processes that are efficiency and using quality raw materials that are cheap so as to ensure that there is cost cutting. Training metrics Training among employees usually increase on the performance or productivity of employees. The tuition of employees would ensure that the employees use the most cost effective working processes. The training efforts should be quantified so as to measure the level of productivity that accrues from the training of employees. Goal setting The use of performance review systems that are collaborative usually ensure that supervisors and their juniors are able to set their own personal goals that should be achieved so as to increase the efficiency of the company or business. Th at can be termed as management by the use of objectives and that can be done so as to individually measure the performance of an employee. The employees of the company should undergo training so as to ensure that they are efficient enough in the execution of their roles in the business. Design process Analysis The first process that is involved in designing the training is analysis. The objectives and goals have to be analyzed so as to be able to develop the

3900-MGT Essay Example | Topics and Well Written Essays - 2000 words

3900-MGT - Essay ExampleThey termed to be basic, broad and underlying. They are inclusive of having a need for identification, distribution, having a target market, positioning and message development.ii) When it comes to marketing nowadays, it has stick more technical and has more complications than the traditional one. The challenge of using the traditional one is that, it is considered inefficient and expensive.Strategise, knowing the kind of business one wants to venture in. context of goals is a convenient way of gauging where the business go away be in a number of years. They should be measurable, specific, relevant to the business, attainable, and should have a limit of time. It is alike vital to define the market that one will be targeting. For example, in this company, we made a goal to having the mathematical products distributed regionally in a years time.Executing a variety of marketing strategies, when the company focuses to dwell on using a specific strategy, it is bound to fail. The use of a variety will expose the business to a wide range of opportunities. Using social media, e-marketing, use of direct mail, the referral strategy, networking and giving of coupons is another way of marketing.It is advisable to measure and test, at a time there is analysis it is easy to determine and eliminate what does not work as opposed to doing things without checking the progress. The company did an analysis and discovered that one of the products that are preparation oil that which moved fast was the one that contained no cholesterol.Persistence and consistency, it is convenient for consumers to be assured that they would be in a position to get the product in the market. Marketing is said to be a process, not an event. The company has continued to have their products available in the market for a couple of years.construction on trust and value, it is very vital for customers to be aware of

Canadian Real Estate Vertical Go to Market Plans and Strategy Term Paper - 1

Canadian Real Estate Vertical Go to Market Plans and Strategy - Term Paper ExampleThe paper utilizes suitable illustrations to comport the relevant details. The paper terminates in suitable conclusion that emanates from prior discussions of the paper and illustration provided.CREV endeavours to succeed in the Canadian substantial estate market. However, realization of the above requires the firm to enact an ambitious advertisement plan that will expand the firms clientele solution. Such an undertaking will require an appositely coined system. The outline should adequately appraise the nature of the market. This write-up will seek to institute an opposite promotional approach that will culminate in the success of the above real estate entity. Evidently, the above strategy will be critical since the real estate sector has encountered key upheaval due to the economic crisis. The market base is dwindling. Consequently, CREV requires to repositioning itself ensuring it maintains and boosts its clientele base. This strategy will enlist certain data and relevant illustration to support it assertions. The assertion will relate to strategy that the entity should adopt. This strategy has identified communication as an built-in element in this industry. Therefore, advertising has sizeable implications on the fortune of real estate firms (Vertical news). Rogers is promotional firm enlisted to press the above task.The marketing strategy aims at enacting appropriate measures that will ensure that it has sizeable share of the market. This plan will enlist of information from credible so-and-so that have undertaken through research. Evidently, the Canadian real estate sector is overly competitive (Canadian real estate association). Consequently, marketing will serve as an integral tool of boosting the clientele base. However, the realization of the benefits of marketing will demand utilization of shrewd advertising campaign. Therefore, CREV will require enlisting

Advantages and Disadvantages of Living in a House versus Living in an Essay - 6

Advantages and Disadvantages of Living in a House versus Living in an Apartment - Essay ExampleThe main advantage of living in a personal house is that the family living in the house has better privacy as compared to a family living in an apartment (French, 2006). Houses are designed in such a manner that two houses are situated at an ample amount of distance from from each one other. Due to this, it is very difficult for neighbors to severalize what is happening in the undermentioned door house. In the case of apartments, at that place is a lack of privacy because apartments comprise of suites that are located exactly next to each other and the walls of the suites are attached to each other.Houses offer less security as compared to apartments. Houses lack security because in case of houses there a limited number of people who are living together and these limited numbers of people cannot deter robbers from breaking into the house (Fennelly, 2012). In the case of apartments, ther e is more security because apartments comprise of many families living together in a single building. Due to so many people living in a single structure, robbers and criminals may fear that people living in different suites may be able to hear voices and may try to ease their neighbors. Due to this fear, criminals may refrain from attacking a suite located within an apartment.One of the major benefits of living in apartments is that it becomes easier for families living in apartments to socialize with more people. People living in apartments tend to know each other they even share time as well as goods with each other (Berns, 2004). Due to this, they develop interpersonal relationships with each other. Since there are many families living in apartments, these families have the opportunity to socialize with various individuals.

Understanding Plot Assignment Example | Topics and Well Written Essays - 250 words

Understanding Plot - Assignment ExampleLoisel (Mathildes husband) comes with an attendance invitation to the splendid ball. Mathilde reacts to this invitation by throwing a fit. The conflict arises because Mathilde has the chance of tasting the high and grievous life, but she lacks something to put on. This conflict sets the story in motionMathildes husband solves the problem by giving her money to buy a dress. However, a second problem arises she needs some jewelry. Fortunately for her, Mme (her friend) lends her a fabulous diamond necklace. The complication arises since Mathilde has been given something expensive by someone and she has to take fright of it. This characterization illustrates the potential for a complication.Mathildes mingling with the rich was the best moment of her life. The necklace gets muddled, and the moment of happiness turns into a desperate search for the missing necklace. This scene implies that things will not end well. This is the storys climax.We (th e audience) are always kept in suspense after the necklace gets lost. First, there is the frantic search for the lost necklace will they come up it? When it dawns that the necklace will not be found, the question which pops up is what will they (Loisels) do? Will they look for a replacement or what? If they find the replacement, how will they pay for it? As it turns out, paying for the lost necklace takes a toll on their lives for a period of ten years.It looks like the conflict is over when Mathilde at long last meets Forestier Mme at the Champs Elysees. The Loisels finally have finished making payments for the necklace. This illustrates that the main action is finally over. Mathilde is anxiously waiting to see if her friend recognizes the substitute. Contrary to the audiences expectations, things turn out differently.Some critics imply that the twist ending in the story is the climax. However, the twist ending is the conclusion of this story and not its climax. Unlike virtually other stories, the conclusion

The impact of cultural differences on the hierarchy of a hotel Research Paper - 1

The impact of pagan differences on the hierarchy of a hotel - look for Paper ExampleCustomers would think that quality service is being delivered to them if the employees can understand them better. Whether it is food, services, employee policies etc, the global requirements need to be considered in all operations.While cultural mixed bag and incorporating the trends of globalization is indispensable for the hotel manufacturing, various cultural conflicts occur as a result of this cultural diversity. These misunderstandings are of various types and due to various reasons. any culture has a different set of beliefs and norms and when people of different cultures come together and work, differences are bound to arise. These differences become more challenging in an industry where customers to be dealt with are also from different cultures and have different demands. While various inter-cultural challenges are faced, one such issue is the impact of cultural differences on the hiera rchy of a hotel. People from poorer countries usually have lower positions and from the developed have higher positions. This creates a barrier amongst the higher and lower level employees and creates many a(prenominal) problems regarding cultural differences as what one may think is right as part of their culture, the other might not.This study aims to determine the impact of cultural differences on the hierarchy of a hotel. The findings of this study would be very helpful in determining how the barrier between high and low-level employees can be rock-bottom in the light of cultural differences. Cultural diversity if managed properly can help to increase organizational performance (Kemp & Dwyer, 2001). There are various levels in an organization where culture has an influence and where a higher degree of cultural awareness is essential (Roper & Brookes, 1997). This study would hence facilitate in understanding how this diversity can be managed in a batter way to become a pro rath er than a con for a hotel. Finally, it would also serve in giving better understanding to hotel managements

Interrupting Flooding Assignment Example | Topics and Well Written Essays - 500 words

Interrupting Flooding - Assignment ExampleThe rain garden should not be located straight over a septic system, it should also be built in sun and not under obstructions such as canopied trees among pother siting issues. The residential enactment regulates the construction of a rain garden by providing guidelines which must be followed. The cost of constructing rain garden is another inhibiting factor as the design should be deep enough to be costly.User profiles and needs Surveys and interviews were conducted from different residents affected by the run-off during the rainy season to assess the extent of the problem. The users reported the following problems cast up in pollution, Erosion of soil causes Sedimentation, Metal pollutants harm aquatic life, Stagnation of water increases the number of mosquitos, Contamination of water bodies with pesticides and Contribution of high temperatures among others. The problems are illust evaluated in the Pareto chart below.Design objectives t he design objects to solve the problem of the residents who experience high rates of surface run off during the rainy season. The design should be able to withstand percolation of water which reduces the amount of water running to the water bodies causing floods. The rain garden is designed to capture excess rainwater from big(p) surfaces which cannot percolate water such as driveways and cemented surfaces. The rain gardens are designed with beautiful flowers which can be attractive especially when in urban areas with unforesightful drainage. The rain gardens are constructed with special features which enable them to capture the excess surface run-off. There are layers of sandy soil below the rain gardens which reduce the rate at which water enter the water bodies and the creeks. They are also effective in the removal of pollutants caused by fertilizers, nitrogen, dust and other wash off pollutants from the wakeless surfaces. Rain gardens are very effective as they can be mainta ined even in urban areas they reduce runoff and protect the

Hot Melt Extrusion Essay Example | Topics and Well Written Essays - 750 words

Hot Melt Extrusion - Essay ExampleHME technique does not require time consuming drying step and compressing step and therefore, the processing steps are significantly reduced. Due to fewer unit operations involved in HME operation, production time is greatly enhanced. During the HME process, the polymer-melt itself locomote as a thermal binder. HME eliminates problems arising from poorly compactible materials. An extruded rod obtained from HME procedure can be directly incorporated into tablets after cutting. Uniform dispersion of fine particles is obtained cod to vigorous mixing and agitation conditions of HME operation. The energy requirements in HME process are low as compared to high shear granulation. The HME process requires lower investment for equipment as against other processes. HME technique also provides new strategies to increase dissolution rates for sparingly water soluble drugs, enhance bioavailability of the active ingredient, improve content agreement of dosage f ormulation, modify drug release, and also helps to mask the unpleasant taste of the drug (Repka et al. 1043 Crowley et al. 909).A single- or twin-screw extruders are used for HME process. The extruder is composed of a alimentation hopper, barrels, single or twin screws, die, screw-driving unit, heating/cooling device for the barrels, conveyer belt to cool down the product, and solvent delivery pump. The monitoring devices on the equipment entangle temperature gauges, a screw-speed controller, an extrusion torque monitor and pressure gauges.During the HME process, first a dry powder blend of drug, polymer, and other adjuvants/additives is prepared. Then, this soild mixture is fed into the feeding instalment of the extruder. The material is transferred to the melting section. The heat is applied to the material in the melting section to form the polymer-melt. This molten mass is transferred in the metering section which is then

Impact of Colonialism on the Middle East Term Paper

Impact of Colonialism on the Middle East - Term Paper ExampleHowever, their political allegiance was ceaselessly with the rural of origin. Other such examples include those of the muckle of North America, Australia, New Zealand and Algeria. Imperialism is derived from Latin word Imperium which means to command. It is thus a way that one country exercises power over another, whether through with(predicate) settlement, sovereignty or indirect control, without significant settlement. Typical examples include Africa, American domination of Philippines and Puerto Rico. Colonialism in the Middle East European colonial activity in Africa and Middle East reached the peak in the late 19th and early 20th century. The British became heavily involved in the personal business of Egypt and Sudan. The British annexed Aden in 1839. The British and the French built and operated the Suez Canal in 1869 Britain went to war with Iran in 1856 over night of way to India and China through Iran. Algeria fell under the French rule in 1830. The French invaded Morocco and occupied Tunisia in 1881. Zanizibar became a British protectorate in 1890. Germany took over Daras Salaam, and French captured Senegal in 1890. Britain and Russia divided Iran into spheres of interest while Italy captured Libya in 1911. 2-EUROPIAN IMPERIALISM May it be for economic nationalist or humanitarian reasons, more powerful nations have often interfered with the affairs of the weaker nations. The more powerful nations, including the United States, Britain, France, Italy, Portugal, Germany and several other European countries have in the past exploited less powerful and backward countries. European imperialism is utilize to refer to more recent colonial Empires of Britain, France, Portugal and Spain during the European age of exploration. During the 15th century, Portugal and Spain had the to the highest degree power navies. Portugal established a powerful Empire which was extremely useful for trade. In t he 16th, 17th and 18th century, Britain entered the arena largely due to its envy of the Portuguese and Spanish properties, which grew to eventually cover an entire quarter of the dry land population and land mass. This included countries like Egypt, India, Australia, Hong Kong and much of North America. In the 19th century, the imperialistic designs of US and Germany damaged the British stronghold this tension resulted in the First World War in which the German Empire was taken apart. After the Second World War period of decolonization began as most European power granted independence to their territories. Russia is another example of European imperialism that is stretched across half the world along its longitudinal axis. 3-US IMPERIALISM As said by the Historian Donald W Mening, imperial behavior for the US dates at least to the LOUISIANA Purchase which he described as an Imperial acquisition imperial in the sense of the gaining control over the territory of another, resulting i n the subjugation of the people to alien rule. The US policies towards the Native Americans were designed to remold them into a people more appropriately conformed to imperial desires. IIThe Unites States had been the dominant world power over the Middle East since the Second World War. US imperialistic policies drives its strength from the thoughts of the known think tank A.T Mahan, who maintained that modern industrial nations must secure foreign markets for the purpose of exchanging good and later on, they must maintain a maritime force that is capable of protecting these trade routes. The outcome of the US business and

Consultancy Report Essay Example for Free

Consultancy Report EssayAs a subsidiary of one of the largest cosmetics schemes in the world, you are in a position to dramatically accession your potential and but capitalize on your brands recognition. My hope is that you will establish and maintain a broader, more diverse customer beastly and increase your general profitability.Based on an in-depth analysis and research conducted on your transcriptions behalf, I have identified several problematic areas in need of immediate attention. The pastime document will serve to provide valuable information to address these issues accordingly. One such issue and perhaps one of the intimately crucial is that of the organizations brand awareness levels in the United Kingdom.This is due in part to the fact that bloody shame Kay U.K. is not as widely recognized in the United Kingdom as it is in the Americas. I recommend increasing your presence to reach potential customers who would otherwise be unaware of your organization. We wi ll assay to address the significant growth of revolutionary potential competitors while developing a means of competing effectively against already established competitors.You will learn of new methods in which to remain relevant and a viable global contender in the cosmetics intentness. New products will serve to provide your organization with a matched edge and differentiate your organization from all its competitors. New policies and changes in the organizations infrastructure will increase employee satisfaction an important factor for employee retention.These enhancements to the organizations current dealings can ultimately increase profitability, improve customer satisfaction levels, and increase employee productivity. As Mary Kay U.K. adopts these changes and once in effect, in that location will be a need to take on additional employees to tend to the day-to-day operations and supplementary qualified/experienced executive-level professionals, accommodateing for a more f ocused approach on the management aspects of the organization. Effective documentation of the organizations financials will allow for more educated and certain decision-making procedures.Adequate financial records serve as effective management tool for predicting time to come success, identify problem areas and to make decisions that will give ear in the organizations overall effectiveness. In addition to significantly changing the inner workings of the organization in the United Kingdom, substantial changes to the organizations image and frontend interfaces may be required to assist with the issue of brand awareness.The organization must become a well-oiled machine internally as well as an aesthetically pleasing entity for potential customers, future investors and for those considering strategic business alliances. Creating a more convivial atmosphere with which your organization would then be associated will give these interested parties a respectable offset printing impressio n.It is apparent that lacking presentation and unfocused management gives rise to the decrease or stagnation of profitability and employee retention. Changes to policy, organizational image, and infrastructure will not unless prove beneficial but may in fact be necessary for the success of the organization and its future viability within the United Kingdom. In addition, in that respect must be changes in customer behavior to increase the probability of the organizations adoption.The organization needs to appeal to a broader customer base after shifting consumer views of cosmetics to match that of American consumers. Thus, by implementing novel, eye-catching, and feeling invoking imagery or advertisements, people will in turn be more given to purchase Mary Kay products. In order to be more successful, I recommend the transformation of current marketing strategies.Implementation of a marketing blueprint that encompasses the arguably successful word-of-mouth strategy in addition t o overt and persistent adverts by way of social media will benefit the organizations image. Because a constant stream of information pertaining to the actual products will allow the consumer to easily recall the information and develop a need for the product as presented by the advertisement. In addition, there must be a vested interest in appealing to the variety of potential consumers within the United Kingdom.Mary Kay U.K. would be wise to capitalize on United Kingdoms ever-growing and diverse population, via the translation and representation of the multitude of languages spoken within the fall guy areas of operation. This will allow for a more comfortable customer experience and personalized identification with the Mary Kay brand. Brand Awareness is at an all-time low as target populations fail to recognize the Mary Kay Brand.The organization must increase its visibility in the growing cosmetics market in the United Kingdom. This is possible with improved advertizement and re -imagined brand association. Increased brand recognition will assist with declining profits.The proposals presented in this consultancy report, should Mary Kay U.K. opt to adopt them will serve to promote the organizations business aptitude and increase overall profitability and effectiveness. My hope is that this educated and informed counsel will effectively navigate the organization into a tell of increased viability and the optimization and growth of Mary Kay U.K. business operations and clientele. INTRODUCTIONThis consultancy report will serve to provide the Mary Kay U.K. Ltd. Subsidiary of Mary Kay Cosmetics with informed suggestions to increase the organizations revenues and improving the day-to-day dealings of the organization from a management perspective. Following extensive research of the organizations operations, I have prepared a comprehensive examination of the organization in its entirety.This research has been comprised of a thorough analysis of the organizations f iscal and procession facets. This report also takes into account the consumer aspect of the organization, and the organizations image as viewed by the public. In addition, it will serve to demonstrate the manner in which the target consultation does or fails to accept this image. Crucial organizational issues have been identified and addressed accordingly, supplemented with recommendations for minimizing or eliminating potentially negative effects.These suggestions may prove insightful for the achievement of further profitability and consumer satisfaction should the organization choose to implement any or all of the changes proposed in this report. The information provided in this report comes via thorough research and analytical dismantling of data and industry trends and its reassembling in the form of a well-formulated business plan.Suggestions provided will seek to address Mary Kay U.K.s organizational structure, the organizations inclination to incorporate a corporate social responsibility element, consumer satisfaction, employee turn-over rates, decreasing or non-existent profits, brand recognition and awareness among target consumers and product quality, to name the most imperative of organizations issues.In all, if implemented, these changes could ensure a significant turnaround for the Mary Kay U.K. entity. Numbers will rise to the status of or potentially rival those of its American contemporary. The organization would hold a strong position before its global competitors and open the door for future business strategic affiliations.The organizational redesign will prove beneficial for Mary Kays United Kingdom division as an organization, for the consumers now receiving increased quality services, and for the leveling of the cosmetics industry in the United Kingdom. ANALYSIS OF CLIENT BUSINESS familiarity Description and HistoryMary Kay Inc. is one of the largest cosmetics companies in the world to date. Headquartered in Addison, Texas at 16251 Dalla s driveway Addison, TX 75001 in the United States, it has manufacturing plants located in Dallas, Texas, Hangzhou, China and La Chaux-de-Fonds, Switzerland for its European market. Mary Kay Inc. operates as a subsidiary of Mary Kay Holding Corporation.Founded by Mary Kay Ash in 1963 and based on personally established values that guided her everyday life she sought to help women live the life of their dreams. Company values include integrity, honesty and a belief in the Golden Rule Do unto others as you would have them do unto you.The mission, to assist and provide the fomite that would allow prospective independent beauty consultants to have their respective dreams come true via the distribution, promotion, and retailing of a handful of products. Mary Kay Inc. identifies itself as a coevals Everything organization, meaning it serves everyone from all walks of life and of all ages.The organization recently posted that its revenues are up to 3 billion due to sales in its 35 + marke ts globally. All made possible by its 25 million global independent sales force.

Swaggie Essay Example for Free

Swaggie EssayWhich Italian city-state dominated the renaissance until the 15th coulomb? Florence 2. A major engagement between Italian and Northern Renaissance was that the Italian renaissance was to a greater extent secular. 3. The characteristics of Italian Renaissance art are curvilinear rhythms, rich color, and detail. 4. Upper variance women during the Italian Renaissance declined in status. 5.A major difference between europiuman society in the Renaissance compared to society in the later centre of attention ages was that the renaissance society experienced a whizz of self separate and greater than their predecessors 6. strike characteristics of the 16th century work of art, Toledo, by El Greco showed a rejection of Renaissance ideals 7. Who was Niccolo Machiavelli and how did he believe a ruler should act? He was a civil servant of the Florentine republic and believed a ruler should be efficient in maintaining and gaining function and to not be limited my moral pr inciples 8.An grand characteristic of new monarchs of the late 15th and 16th centuries was their strong sense of regal authority and national purpose. 9. How does Thomas More in Utopia describe the conditions of 16th century England? Flawed fri terminusly institutions/greed were responsible for human decadence 10. In the period 1450 to 1550how would you explain the major differences between society in Renaissance Italy and the societies of France and England? France and England were more religious and the Renaissance was a development of broad social reform based on Christian ideals.Identify the following 16th century Catholic figures only need to know that Teresa of Avila promoted emotionalism and a personal kind with God 2. The ideas of Martin Luther and John Calvin were similar that they maintained the sacraments of communion and baptism. 3. The art entitled the Passional of Christ and Antichrist reflect the Lutheran movement rejected corrupt practices of the roman type Cath olic perform 4. The Council of Trent (1545-1563) is significant because it ended pluralism and absenteeism, raised the standards of the clergy, and reaffirmed Catholic practices. 5.What European ruler posed the biggest obstacle to the spread of Protestantism in the 16th century? Charles V 6. Ignatius Loyola created Society of deliverer and helped convert much of Europe back to Catholicism 7. Discuss the doctrine of the Anglican Church under Henry VIII the king is the head of the church, was a permanent break with Rome, dissolved English monasteries for their wealth, and was between Catholicism and Protestantism 8. Identify the results of the Treaty of Westphalia ended conflict over religious faiths and recognized the sovereignty of German princes CHAPTER 15 EXPLORATION 1.The first European explorer to find an all-water route to India by rounding the southern tip of Africa was Vasco de Gama. 2. Given information about from each one of these explorers, look at those who may have bee n opposed to the cruel treatment of American Indians in the 16th century New World a) Francisco pizarro- conquered Incans, and landed in Peru b) Christopher Columbus- discovered Caribbean, cruel to the natives c) Bartolome de Las Casas- Spanish missionary, wanted to end Indian slavery, started black slavery d) Tomas de Torquemada- headed Spanish Inquisition e) Philip II- not an explorer, funded the voyages21. Identify technological innovations and advancements used in navigation during the 16th century ship cannon, astrolabe, caravel, magnetic compass 22. What country was the first to introduce African slavery to the New World? Portugal 23. Identify whatever immediate causes of the Thirty Years War. Defenestration of Prague act of throwing someone out a window 24. Explain the impact of the commercial revolution had on Western European Society more developed towns, powerful nation-states, age of competition for overseas colonies, inflation, bourgeoisie influence increased, and incre ase in standard of living 25.Explain the role the Dutch country played in mete out and finance during the first half of the seventeenth century started taking control of Portuguese and Spanish holdings in the New World, commanding overseas trade, and one of the largest powers in trade 26. Explain the role that Henry IV of France played in politics ended Frances civil warfare and used practical compromises to solve political issues sacrificed religion for political necessityIdentify causes of the English civil war personality of King Charles I, decline of power of the English monarchy, broadening the ship tax, clashes with Scots, and a response to threats made against Parliament 28. Explain the political theories of Jacques-Benign Bossuet strongly believed in the divine right of kings and political despotism 29. Identify the results of the glorious Revolution in England bill of rights including religious freedom for Catholics, sole power of Parliament on test did not reject merca ntilism 30.Explain the important consequences of the Treaty of Utrecht (1713) set the limits where one power could expand and completed the decline of Spain 31. Explain the major difference between the societies of eastern and western Europe during the 17th and 18th centuries the extent of control the nobility had over the peasantry (Eastern Europes peasants suffered a downward shift in rights compared to Western Europes peasants gaining rights).Identify and explain the role the Fredrick William the bulky Elector had in the 1640s to 1680s duke of Prussiapromoted trade and domestic reforms that helped turn Prussia into a European power 33, Explain some of the accomplishments of Peter the Great a ruler that brought many Western influences to modernize Russia, increase serfdom, and developed the Baltic region of Russia 34. How did the Ottoman Empire maintain control of southeastern Europe in the 17th and 18th centuries? Forced Christian children into the military conscription 35.Ident ify some of Catherine the Greats achievements defeated the Ottoman Turks, gained land in Poland, abolished torture, established religious toleration, education for girls, and established the Legislative commission. 36. What was King Louis XIVs Edict of Fontainebleau? What did it replace? Revoked the edict of Nantes and replaced the Peace of Augsburg 37. The key to economic prosperity of the Dutch Republic in the early 16th century was religious toleration and cosmopolitan culture CHAPTER 18 ENLIGHTENMENT 38.Explain who Voltaire is and his role in politics. French enlightenment writer that promoted civil liberties such as religious toleration and was a great philosopher 39. Explain who Cardinal Richelieu is and his role in politics reshuffled the royal council, divided France into 32 districts, executed and controlled aristocrats 40. Explain what deism is a belief based on a more secular view of the universe 41. Isaac nitrogens Principia (1687) was very important in science because it demonstrated how the world worked though explainable, natural forces 42.Francis bacon is also an important person during the Scientific Revolution because he started the scientific method and thought to reject everything unless you could prove it 43. Vesalius is also an important person during the scientific revolution because he founded modern anatomy and wrote the most influential book on human anatomy. 44. Explain the Catholic Churchs response to Copernicuss heliocentric theory the church responded slowly but in general did not support it as it was contradictory to the previous beliefs 45.Explain the Catholic Churchs response to Galileo the Church tried him for heresy, forced him to recant, and spend the proportionality of his life in house arrest 46. Jean-Jacques Rousseau and his political (government) beliefs the ruler is determined by the general will of the people (which may not be the majority) and moldiness serve it or the people will rebel 47. Identify the Enlightene d Rulers and the countries they ruled Fredrick the Great- Prussia Catherine the Great- Russia Joseph II and Maria Theresa- Austria 48.What was the persistent foreign policy that threatened the Austrian Hapsburgs between 1525 and 1700? Turkish advances into Eastern and Central Europe CHAPTER 19 EXPANSION OF EUROPE 49. Explain some of the consequences of the agricultural revolution in the 18th century rotation of crops 50. Explain Adam Smiths political and economic viewpoints he was critical of mercantilism and the governments role in economics he wanted a free market economy laizee faire economics and wanted a system of natural liberty CHAPTER 20 CHANGING LIFE OF THE raftWhat disease were Lady Mary Wortley Montagu and Edward Jenner able to control? Small pox 52. During the 18th century, how were children treated, or reared? On test middle class families became more child concentrate on and nurturing CHAPTER 21 FRENCH REVOLUTION AND NAPOLEON 53. Napoleons acceptance of the Concorda t of 1801 resulted in improved relations between the French Government and Roman Catholic Church 54. What social group was able to maintain most of its gains during the French Revolution and Napoleonic era?The peasantry 55. Explain the Tennis Court Oath. Who was involved, who was this about, and the end result. The 3 French estates were in a deadlock over a interior(a) Assembly the 3rd estate broke off and created their own National Assembly, vowing to not disband their National Assembly until a constitution was created 56. Explain the Continental System under Napoleon Bonaparte was meant to exclude British goods in trade but was not successful 57.Explain what French society was prior to the French Revolution the bourgeoisie had financial wealth and power, but some legal rights because they were excluded from the other classes 58. Explain how the English Civil War and the French Revolution were similar after the tumults, the ruling classes in power previous to the revolt returned to power afterwards 59. The most radical phase of the French Revolution occurred during the National Convention 60.What was Olympe de Gouges role during the French Revolution? Worked with women during the revolutionspokesperson for womens rights CHAPTER 22 THE INDUSTRIAL REVOLUTION 61. What were the conditions that allowed England to industrialize? Expanding Atlantic economy, strong position in Latin America, colonization in the Americas, involvement in slave trade 62. The following inventions were necessary for the development of the industrial Revolution.

Compare and contrast the soldier and futility Essay Example for Free

Compare and contrast the sol back upr and futility EssayThe soldier and Futility are two poems which discuss warfare. Both poems were written during the war by Englishmen. Wilfred Owen and Rupert Brooke died in different stages of the war as a result of it. Both poems discuss death and abhor in several ways. The two say that there is a lot of hate in war but they each see death for your kingdom from a different perspective. In Futility Wilfred Owen says that war is a terrible thing because there are so many casualties. He overly says that the cause of war is usually petty and that people dying for their country is awful.As well as this he says that it is better to live than die doing your duty. Wilfred Owen has a different pull in towards war because he lived through most of it. He was killed during the final year of the war, in 1918. Rupert Brooke, on the other hand, didnt live through much of the war. He died in the early stages of it, in 1915. He was twenty-eight years o ld. In his opinion war is necessary and one had a duty to fight for King/ pouf and country. Rupert Brooke also deals that people should be proud to fight for their country as we see in the words Dulce et decorum est, which is Latin for wonderful thing to die for your country.These words are found in another of Wilfred Owens poems though but it is used sarcastically. It is as if Wilfred Owen is laughing at the people getting gassed and dying worry in his other poem The Last Laugh. The poem Futility shows the negatives of war such as people dying doing their duty. These people didnt want to go and fight, they were persuaded by their friends and broncobuster women. The women thought that a man wasnt attractive or whole unless he wore a soldiers uniform. This made the men feel terrible and that they would never find a partner unless they sign up. They were also persuaded by the government.They would sack people so that they had no choice but to join. The government also put propagand a posters up with children postulation their father What did you do during the great war? Many people gave into this they paid the consequences by being killed. The Soldier speaks of the positive things about war such as dying with friends or doing what they were born to do. It also says that this is an idyllic world and that they should always take the chance to fight for their King/Queen and country when it is given. The poem is a very patriotic one as it repeats English and England many times. This shows Rupert Brookes love for his country.This poem also has no sense of animosity or resentment towards war. The Soldier says that each person is unimportant but in Futility it says that every person is important. The style and structure of each poem is very different. Even though some(prenominal) poems are fourteen lines long and they both use euphemisms there are many differences. The Soldier is a praise and concentrates on England whereas Futility is not a sonnet and has more s ymbolism. There are rhetorical questions used in Futility and it is written in the third person. The Soldier, however, is in the first person and hasnt got any rhetorical questions.It is also written in Iambic Pentameter and is a Petrarchan or an Italian sonnet. Both poems are rhythmic and have rhymes in them. The Soldier has rhyming every southward line whereas Futility has half rhymes every other. For example snow from line five and know from line seven. Both Futility and The Soldier have religious connotations and mention the temperateness. The sun has an immense amount of significance in the poems because it is the complete opposite to what the poems discuss. The sun has life-giving powers whereas both poems talk about death. Only Futility has personifications.These include Think how it wakes the seeds. This shows us how the sun has life-giving powers. Another example is Gently its touch awoke him once which also talks about the sun. These two give the sun attributes which i t hasnt got. The Soldier talks about himself and how he would always be English even if he was buried in a foreign country. This is shown by the lines If I should die think only this of me that theres some corner of a foreign field, that is forever England. This also shows that he is thankful for being English and he would put his life on the line for his country.

Standard Chartered Bank in India Analysis

warning lease margin in India AnalysisExecutive digestThe disceptation in the intrusting vault of heaven is increasing at a trem finish upous direct.MNC avers in India atomic number 18 doing swell up in India and hackneyed contract beach universe 1 of them wants to increase the consumer base. Therefore, it is trying to do this through and through retail brinking. At this point of time the bank is expanding and is coming up with unseasoned-made branches all everywhere India. It has late subject a parvenue branch in that respect and if yes then how it can break new Customers.In two months time I was hypothetical to march on and sell their products (especially deposits) and to do a mart study to know customers postulate and requirements so that bank can improvise on them if possible. This time full point was non enough to do an intense study. Therefore, I could collect terminationed data and kept my study limited to short a sample excogitationAn oerview o f SCB standardised contract is the benas principal emerging securities industrys bank. It employs 29,000 plurality in everywhere 500 offices in more than 50 countries in the Asia Pacific Region, South Asia, the nerve center East, Africa, coup lead Kingdom and the Americas.The wedge deals both Consumer and Wholesale banking customers. The Consumer desire provides impute cards, personal loans, mortgages, deposit taking activity and wealth caution operate to individuals and culture medium size crinklees. The Wholesale patois provides dos to multinational, regional and domestic incorporated and refugeal c remainnts in trade finance, cash heed, delay, lending, irrelevant exchange, hobby rate management and debt expectant markets.With 150 long time in the emerging markets the jargon has unmatched knowledge and understanding of its customers in its markets.Standard contract recognizes its responsibilities to its provide and to the commwholeies in which it hol d upsA sketch history of Standard CharteredStandard Chartered is the worlds pencil lead emerging markets bank headquartered in London. Its teleph champion circuites however, have al ways been overwhelmingly transnational. This is summary of the master(prenominal) events in the history of Standard Chartered and some of the organizations with which it merged.The proto(prenominal) yearsStandard Chartered is named after two banks, which merged in 1969. They were originally cognize as the Standard strand of British South Africa and the Chartered fix of India, Australia and China. Of the two banks, the Chartered margin is the older having been founded in 1853 following the grant of a august Charter from Queen Victoria. The moving world power behind the Chartered aver was a Scot, crowd together Wilson, who made his fortune in London devising hats. James Wilson went on to start The Economist, salve integrity of the worlds pre-eminent worldations. Nine years later, in 1862, the Standard Bank was founded by a group of line of doctrinemen led by a nonher Scot, John Paterson, who had immigrated to the Cape Province in South Africa and had become a successful merchant. Both banks were keen to not bad(p)ize on the bulky working out of trade between Europe, Asia and Africa and to reap the handsome profits to be made from funding that trade. The Chartered Bank opened its prime(prenominal) branches in 1858 in Chennai and Mumbai. A branch opened in Shanghai that summer beginning Standard Chartered unbroken presence in China. The following year the Chartered Bank opened a branch in Hong Kong and an agency was opened in Singapore. In 1861 the Singapore agency was upgraded to a branch, which helped provide finance for the quick maturation rubber and tin industries in Malaysia. In 1862 the Chartered Bank was authorized to mercantile establishment bank notes in Hong Kong. Subsequently it was also authorized to issue bank notes in Singapore, a privilege it continued to exercise up until the end of the 19th Century. Over the following decades both the Standard Bank and the Chartered Bank printed bank notes in a variety of countries including China, South Africa, Zimbabwe, Malaysia and even during the siege of Marketing in South Africa. Today Standard Chartered is still one(a) of the triple banks, which prints Hong Kongs bank notes.Expansion in Africa and AsiaThe Standard Bank opened for business in Port Elizabeth, South Africa, in 1863. It pursued a policy of expansion and soon amalgamated with several(prenominal) other(a) banks including the Commercial Bank of Port Elizabeth, the Colesberg Bank, the British Kaffarian Bank and the Fauresmith Bank. The Standard Bank was prominent in the financing and civilizement of the diamond fields of Kimberly in 1867 and later extended its network further north to the new town of Johannesburg when gold was discover there in 1885. Over time, half the output of the second greatst goldfield in the world passed through the Standard Bank on its way to London. In 1892 the Standard Bank opened for business in Zimbabwe, and expanded into Mozambique in 1894, Botswana in 1897, Malawi in 1901, Zambia in 1906, Kenya, Zanzibar and the Democratic Republic of Congo (D.R.C.), in 1911 and Uganda in 1912. Of these new businesses, Botswana, Zanzibar and the D.R.C. proved the close to difficult and the branches soon closed. A branch in Botswana opened again in 1934 but lasted for only a year and it was not until 1950 that the Bank re-opened for business in Botswana. In Asia the Chartered Bank expanded opening offices in, Myanmar in 1862, what is now Pakistan and Indonesia in 1863, the Philippines in 1872, Malaysia in 1875, Japan in 1880 and Thailand in 1894. approximately 34 years after the Chartered Bank appointed an agent in Sri Lanka it opened a branch in 1892 to take usefulness of business from the tea and rubber industries. During 1904 a branch opened in Vietnam. Both the Charte red and the Standard Bank opened offices in New York and Hamburg in the early 1900s. The Chartered Bank gaining the scratch-class honours degree branch licence to be issued to a contrary bank in New York.The impact of war yet the commencement exercise World War offered opportunities for expansion when the Standard Bank set up a branch in Tanzania shortly after British army busy the formerly German administered Dar es Salaam in September 1916. Both banks survived the inter-war years but the world trade slump led to the culmination of trading operations in the Canary Islands, Liberia, the Netherlands, and Equatorial Guinea. Disaster struck the Chartered Banks office in Yokohama, Japan, when an earthquake in 1923 killing a number of staff undone it. The Second World War particularly affected the Chartered Bank when numerous Asian countries were occupied by Japan.Standard Chartered in IndiaThe Chartered Bank opened its first overseas branch in India, at Calcutta, on 12 April 18 58 Eight years later the Calcutta agent exposit the Banks credit locally as splendid and its business as flourishing particularly the substantial turnover in rice bills with the leading Arab firms. When the Chartered Bank first established itself in India, Calcutta was the most important Commercial city and was the centre of the jute and indigo trades. With the emersion of cotton trade and the opening of the Suez Canal in 1869, Bombay took over from Calcutta as Indias main trade centre. Today the Banks branches and sub-branches in India be directed and administered from Mumbai (Bombay) with Calcutta remaining an important trading and banking centre.Standard Chartered is the largest international banking root in India. Key businesses acknowledge Consumer Banking-Primarily credit cards, mortgages, personal loans and wealth management and wholesale Banking, where the Bank specializes in the provision of cash management trade, finance, treasury and custody assists.It is the larges t international banking group in India with an employee base of nearly 3500 people across the country. It also boast the largest branch network amongst all international banks in India-with 61 branches in 15 cities. With over 2.3 million retail customers, and a reference book Card base in excess of 1.3 million, it is the leaders in the consumer banking business. The wholesale bank has over 1200 corporate customers with a 33% market sh atomic number 18 in value with over 270 top transnational companies in India.INDUSTRY PROFILEWhat is BankingBanking, in a traditional sense is the business of applying deposits of notes from public for the purpose of lending and coronation. These deposits can have a distinct feature of universe withdrawable by cheques, which no other fiscal institution can offer.In addition, banks also offer various other financial services which allow.Issuing request Drafts Travellers ChequesCredit CardsCollection of Cheques, Bills of exchangeSafe Deposit Lock ersIssuing Letters of Credit Letters of GuaranteeSale and Purchase of orthogonal deputisetutelar ServicesInvestment Insurance servicesThe business of banking is highly regulated since banks deal with specie offered to them by the public and ensuring the safety of this public money is one of the prime responsibilities of any bank. That is why banks argon judge to be prudent in their lending and enthronisation activities. Every bank has a accordance Department, which is trusty to ensure that all the services offered by the bank, and the processes followed are in compliance with the local regulations and the Banks corporate policy.The major regulations and acts that govern the banking business areBanking Regulations act, 1949 contrasted sub Management Act, 1999Indian Contract ActNegotiable Instruments Act, 1881Banks lend money either for productive purposes to individuals, firms, corporates etc, or for buying house property, cars and other consumer persistent and for investme nt purposes to individuals and others. However, banks do not finance any speculative activity. Lending is risk taking.Banking in the New millenaryWere living in a world reign by the new idea economy, ticking to the beat of Internet time, where customers are quality conscious, time conscious and price conscious. Technology is creating new brisk players make the existing ones ob repairte. In this scenario, the role of internet and its impact on banking still appears to be a puzzle. Banks a tumid the world are subject to the homogeneous primitive changes -new competition, technology, deregulation, and globalization. only if, eventually, the classic rules of business go away reassert themselves in this virtual environment and the winners depart be the first and best movers.The challenges in this millennium for the banking assiduity are eaverageous. The technology and Banking orbit reforms, together are lifting the competitive intensity of the Banking business. In Banking, embe dding knowledge into products can enhance value, and connecting different knowledge sources can do groundbreaking products. The banks that are first to market with the right mix of technologies, strategies and partnerships would be the sure winners.The banking environment worldwide is undergoing massive transformation. Despite the, not so favorable, market sentiments and an probable backlash against dotcoms, serious players in established industries like banking, remain convinced that the Internet will have a profound impact on the banking area.Mergers and acquisitions are changing the financial landscape, and cross-border linkages are drastically altering the business characters, in general and banking operations, in particular. But drawing firm conclusions can be dangerous, as mergers and consolidation take many different forms and the impact can give mixed results. But, there is growing concern as to whether mergers deliver the expected benefits and whether cross-border dea ls are feasible, particularly in Europe, where cultural considerations are seen as barriers to success. In Europe, players are beginning to assert themselves, as the Nat West battle is resolved. Nat west, one of the UKs biggest banks, was obligate to accept a hostile takeover bid from a smaller rival, kingly Bank of Scotland in December 2000. Earlier in November 1999, Nat west spurned a similar bid by another small bank, Bank of Scotland. This move left the scene set for Royal Bank of Scotland to submit its long expect bid for Nat West. It was followed by a flurry of bid and counter bid by the two Scottish banks as Nat west fought to keep its independence. The Royal Bank of Scotland finally won by convincing the Nat West shareholders to accept its 25 bn offer. This outcome has set the tone for a long overdue round of consolidation in the European financial sector.Coming home, Indian banking sector has come a long way from being a sleepy business institution to a highly proactive and dynamic entity. Indian banking brass is in the midst of a technological revolution. It is impacting the Indian industry in three ways firstly, by providing efficient and effective deliveryChannels, secondly, it is dramatically influencing the client profile, which in turn leads to the third change i.e. the Human Resources Management. As a service sector, it calls for a change in the attitude of the personnel that would have a salutary effect on customers.Indian Banking that was operating in a highly favorable and protected environment till the beginning of 1990s has been pushed into the choppy waters of intense competition. Mergers and acquisitions, have been heating up in the new nonpublic banking sector since the HDFC-Times Bank merger came through in November 1999. The deal shook an otherwise placid Indian banking world and generated a kind of pressure on banks to oscillate hands with their peers to cope up with the competition.Going forward, the premium valuations of cloak-and-dagger banks compared to public sector banks depend on their ability to maintain high gain growth and quality of assets. The current downturn in the economic activity could result in the increase of non- playing assets for most of the banks. The winner in the market would be the one who can sustain the high growth in business without compromising the asset quality.In this millennium, banks should strive to achieve significant increases in their productivity, efficiency, and profitability. The areas of challenges that lie earlier for the Indian banking sector would be Restructuring and Reorganizing banks setup, leaner offices, merging and forging of strategic alliances to take advantage of the geographic spread of branch network of banks, develop new products and services that would picture the emerging inescapably of customers and professionalManagement structures that would be responsive to the changes in the business environment.The book Banking In The New Millennium examines this changing landscape for the banking services. The purpose of this book is to present the current trends, the emerging scenario and the building blocks in banking sector. A brief section is also dedicated to retail banking that is growing in a big way. The book is divided into four sections analyzing the various aspects of the banking scenario. Packed with the right mix of articles on e-banking, retail banking, and mergers and acquisitions, this book is mean to serve as an executive reference book on Banking.Challenges And Future In Banking SectorMergers in the Banking, NPA, New Technology, Electronic Cash Transfer later on the communization of Banks, increasing adoption of technology, continuous mergers in the banking, modernizing backroom operation in the banks and competition pave the path of growth of Indian banking. By the mid-1990, the near monopoly of public sector banks faced the competition by the more customer-focused private sector entrants. This competitio n forced older and nationalized banks to revitalize their operations.Year 1992 was the golden period of Indian Banking system due to the scam-tainted stock market. Large proportion of household saving moved into the banking system, which recorded an annual growth of 20 pct in deposit.But on with the continuous growth and modernization, there are several challenges confronting the banking sector. The main challenges facing the banking sector are the deployment of bills in quality assets and the management of revenues and costs. The problem of NPA (non- performing assets), overall credit recovery systems still exist. There is a continuous reforms and modernization is in process. A number of recon mediations of two Narasimham committees have been implemented. abroad Banks snap on corporate and on the middle class consumer and providing then better service. Nationalized Banks are also attempting to get on the path of automation. Strong Banks will acquire the weaker banks. The member of impertinent banks operating in India has increased significantly and their share of total assets has also increased. In the year 2001 estimated contradictory bank billhook for 14.7 percent of the total net profit of commercial banking sector in India.In spite tangible progress and the contribution of Narasimham I and Narasimham committee reports the banking sector in India suffering from systemic and structural problem.OBJECTIVESThe main objective of this drift report is to make an analytical study of Standard Chartered BankIt includes account statement of the Bank Product Analysis ServiceBanks Accounts Comparison of the saving accounts with other leading Banks of IndiaREASEARCH METHODOLOGYData collection has been done from both sources primary as well as secondary.Primary data by meeting various managers of the Standard Chartered Bank, Citibank, ABN-AMRO Bank, ICICI, HDFC, HSBC, GTB, UTI and IDBI.Secondary data From newspaper, magazines, Libraries.CONCEPTUAL FRAMEWORKInve stment in India Banking Banking strategyIntroductionThe Reserve Bank of India (RBI) is Indias central bank. Though public sector banks currently dominate the banking industry, numerous private and foreign banks exist. Indias government-owned banks dominate the market. Their mental process has been mixed, with a few being consistently profitable. Several public sector banks are being restructured, and in some the government either already has or will reduce its ownership. Private and foreign banksThe RBI has granted operating approval to a few privately owned domestic banks of these many commenced banking business. international banks operate more than 150 branches in India. The entry of foreign banks is based on reciprocity, economic and political bilateral relations. An inter-departmental committee approves applications for entry and expansion. Capital sufficiency normForeign banks were required to achieve an 8 percent capital adequacy norm by borderland 1993, while Indian banks with overseas branches had until March 1995 to meet that target. altogether other banks had to do so by March 1996. The banking sector is to be used as a model for opening up of Indias restitution sector to private domestic and foreign participants, while keeping the national insurance companies in operation. Banking India has an extensive banking network, in both urban and country-bred areas. All large Indian banks are nationalized, and all Indian financial institutions are in the public sector. RBI banking The Reserve Bank of India is the central banking institution. It is the sole control for issuing bank notes and the supervisory body for banking operations in India. It supervises and administers exchange control and banking regulations, and administers the governments monetary policy. It is also responsible for granting licenses for new bank branches. 25 foreign banks operate in India with full banking licenses. Several licenses for private banks have been approved. Despite fairly broad banking coverage nationwide, the financial system remains remote to the poorest people in India. Indian banking system The banking system has three tiers. These are the plan commercial banks the regional rural banks that operate in rural areas not covered by the scheduled banks and the cooperative and special purpose rural banks. Scheduled and non-scheduled banks There are approximately 80 scheduled commercial banks, Indian and foreign almost 200 regional rural banks more than 350 central cooperative banks, 20 land development banks and a number of primary coarse credit societies. In terms of business, the public sector banks, namely the State Bank of India and the nationalized banks, dominate the banking sector. Local financing All sources of local financing are gettable to foreign-participation companies incorporated in India, regardless of the extent of foreign participation. Under foreign exchange regulations, foreigners and non-residents, including f oreign companies, require the permission of the Reserve Bank of India to draw from a person or company resident in India .Regulations on foreign banks Foreign banks in India are subject to the same regulations as scheduled banks. They are permitted to accept deposits and provide credit in accordance with the banking laws and RBI regulations. Currently about 25 foreign banks are licensed to operate in India. Foreign bank branches in India finance trade through their global networks. RBI restrictions The Reserve Bank of India lays down restrictions on bank lending and other activities with large companies. These restrictions, popularly known as consortium guidelines seem to have outlived their usefulness, because they hinder the availability of credit to the non-food sector and at the same time do not foster competition between banks. Indian vs foreign banks Most Indian banks are well behind foreign banks in the areas of customer notes enthrall and clearing systems. They are hugel y over-staffed and are unlikely to be able to compete with the new private banks that are now entering the market. season these new banks and foreign banks still face restrictions in their activities, they are well-capitalized, use modern equipment and attract high-caliber employees. Government and RBI regulationsAll commercial banks face nettled restrictions on the use of both their assets and liabilities. Forty percent of loans must be directed to priority sectors and the high liquidity ratio and cash reserve requirements in earnest limit the availability of deposits for lending.The RBI requires that domestic Indian banks make 40 percent of their loans at concessional rates to priority sectors selected by the government. These sectors consist largely of agriculture, merchandiseers, and small businesses. Since July 1993, foreign banks have been required to make 32 percent of their loans to these priority sector. Within the target of 32 percent, two sub-targets for loans to the small scale sector (minimum of 10 percent) and merchandises (minimum of 12 percent) have been fixed. Foreign banks, however, are not required to open branches in rural areas, or to make loans to the agricultural sector. Commercial banks lent dols 8 one million million in the Indian financial year (IFY, April-March) 1997/98, up sharply from dols 4.4 billion in the previous year.The deployment of gross loans was as follows FINDINGS AND ANALYSISBUSINESSConsumer BankConsumer Banking Offers a wide range of premium banking products and services through the network of 90 branches in 19 cities across the country to cater to customers diverse financial needs. riches management offers a complete and comprehensive range of products to fulfill a gamut of customer investment and financial needs. These include domestic and NRI transaction accounts (with several value-add products and services like ATM and globally valid Debit Card, phone banking, extended banking, any branch banking, door ste p banking and investment advisory services), dispersion of capital market and insurance products and dematerialization services and finances against shares. Standard Chartered also offers Priority Banking that is personalized banking for the privileged few.Standard Chartered Group is a leading credit card issuer in India and has several firsts to its credit. These include issuance of the first Global Credit Card in India, thefirst Photo card, the first understand Card. Our card division under Unsecured Payments is also the first in South Asia to be accorded an ISO 9002 certification. The credit Cards and Personal Loans Offer include co-branded cards with unique value propositions and cards like Sapnay for the middle-market segment. The division offers a range of personal loan products and also a personal line of credit through products much(prenominal) as Smart Credit.Our Secured Loan Division offers mortgage auto loans and also unique overdraft products like Mileage that offer r evolving credit quick-wittedness against the credential of a used or new car.Standard Chartered Finance (SCF), an NBFC is our Centre for Excellence in Service and product distribution arm. Products include loans/leases for new passenger cars, used cars commercial vehicles and medical equipment. Standard Chartered Finance has an extensive network of branches in India.Wholesale BankCorporate and institutional BankStandard Chartered is particularly strong in Institutional relationships and is the preferred correspondent bank for over 300 domestic and international bank, the largest such private sector network in India. The Bank focuses on service quality and all its operational units in trade, cash management, treasury and custody are ISO certified.Standard Chartered is Indias largest foreign trade finance bank and offers a full complement of trade finance products, including export credit in foreign property, export letters of credit confirmations, merchanting trade and buyer credi ts. It is one of the few banks in India to offer services like channel financing forfeiting, without recourse export finance, project export and service export approvals and sponsorships.As a leading cash management supplier across emerging markets, Standard Chartered Offers pinpoint end to end cash management solutions for corporate and institutions. The Greenwich survey for 2001 nominated Standard Chartered the Best Cash Management Service Quality Bank in India Range of Products include vostro accounts, draft drawing, telegraphic transfers and an international payments facility that allows foreign currency payments without a separate account.Standard Chartereds custody and clearing service unit has served Foreign Institutional Investors in India with Superior client servicing, supported bySophisticated and flexible computerized systems. It is the only custodian in India to earn the ISO 90012000 standards certification. Standard Chartered has received top ratings in Industrys benc hmark surveys the Global custodian survey 2000 and the Global Investor Survey 2000.Global MarketsStandard Charted provides a complete 24 time of day coverage of the worlds foreign exchange markets.It provides a broad range of products like Exotic currencies, Derivatives, Debt Capital markets, Currency Options and Electronic trading.Standard Chartered was the first bank in India to introduce its on-Line Treasury, a browser enabled dealing system that enables real-time transactions. Standard Chartered is also recognized as a leading market for the Indian Rupee.The Banks Treasury-the No.1 Treasury in India-is amongst the most active treasuries in the country, being a market maker in local currency and money markets. While we seek to provide advice, treasury products and services to our global clients in the Indian market, we also have active relationships with some of the biggest and most diversify Indian companies and many medium sized companies.With a large specialized gross sales force, we cater to all foreign exchange, money market and risk management needs of our corporate clients.Treasury has an active inter bank desk which, apart from being a market maker in the Indian Rupee disgrace and the forrard market, actively quotes for other currencies.The money Market Desk is a leading player in the Rupee markets and in Government and corporate debt trading.The derivative Desk is a market maker in the Rupee Interest rate swap market. We also run one of Indias largest derivative books and offer products up to 7 years tenor.The corporate desk is amongst the largest among the foreign banks in India. With a presence in 5 major cities with state of the art dealing rooms and a corporate sales force of over 20 dealers, we have an unmatched reach and service capability across India. In addition to servicing currency market and investment needs of corporate clients, our corporate desk is active in advisory services pertaining to structuring and risk management.Standard Chartered Mutual Fund is one of the largest and fastest growing debt funds in the market. Standard Chartered Mutual Fund is the only fund that focuses only on the debt segment and prides itself on having developed one of the finest interest rate tracking models.Consumer Bank-ProductsTypes of DepositsBank DepositsBStandard Chartered Bank in India AnalysisStandard Chartered Bank in India AnalysisExecutive SummaryThe competition in the banking sector is increasing at a tremendous rate.MNC banks in India are doing well in India and Standard Chartered Bank being one of them wants to increase the consumer base. Therefore, it is trying to do this through retail banking. At this point of time the bank is expanding and is coming up with new branches all over India. It has recently opened a new branch there and if yes then how it can acquire new Customers.In two months time I was supposed to promote and sell their products (especially deposits) and to do a market study to know customers need s and requirements so that bank can improvise on them if possible. This time period was not enough to do an intense study. Therefore, I could collect limited data and kept my study limited to small a sampleINTRODUCTIONAn overview of SCBStandard Chartered is the worlds leading emerging markets bank. It employs 29,000 people in over 500 offices in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, United Kingdom and the Americas.The Bank serves both Consumer and Wholesale banking customers. The Consumer Bank provides credit cards, personal loans, mortgages, deposit taking activity and wealth management services to individuals and medium sized businesses. The Wholesale Bank provides services to multinational, regional and domestic corporate and institutional clients in trade finance, cash management, custody, lending, foreign exchange, interest rate management and debt capital markets.With 150 years in the emerging markets the Bank has unmatched kno wledge and understanding of its customers in its markets.Standard Chartered recognizes its responsibilities to its staff and to the communities in which it operatesA brief history of Standard CharteredStandard Chartered is the worlds leading emerging markets bank headquartered in London. Its businesses however, have always been overwhelmingly international. This is summary of the main events in the history of Standard Chartered and some of the organizations with which it merged.The early yearsStandard Chartered is named after two banks, which merged in 1969. They were originally known as the Standard Bank of British South Africa and the Chartered Bank of India, Australia and China. Of the two banks, the Chartered Bank is the older having been founded in 1853 following the grant of a Royal Charter from Queen Victoria. The moving force behind the Chartered Bank was a Scot, James Wilson, who made his fortune in London making hats. James Wilson went on to start The Economist, still one of the worlds pre-eminent publications. Nine years later, in 1862, the Standard Bank was founded by a group of businessmen led by another Scot, John Paterson, who had immigrated to the Cape Province in South Africa and had become a successful merchant. Both banks were keen to capitalize on the huge expansion of trade between Europe, Asia and Africa and to reap the handsome profits to be made from financing that trade. The Chartered Bank opened its first branches in 1858 in Chennai and Mumbai. A branch opened in Shanghai that summer beginning Standard Chartered unbroken presence in China. The following year the Chartered Bank opened a branch in Hong Kong and an agency was opened in Singapore. In 1861 the Singapore agency was upgraded to a branch, which helped provide finance for the rapidly developing rubber and tin industries in Malaysia. In 1862 the Chartered Bank was authorized to issue bank notes in Hong Kong. Subsequently it was also authorized to issue bank notes in Singapore, a privilege it continued to exercise up until the end of the 19th Century. Over the following decades both the Standard Bank and the Chartered Bank printed bank notes in a variety of countries including China, South Africa, Zimbabwe, Malaysia and even during the siege of Marketing in South Africa. Today Standard Chartered is still one of the three banks, which prints Hong Kongs bank notes.Expansion in Africa and AsiaThe Standard Bank opened for business in Port Elizabeth, South Africa, in 1863. It pursued a policy of expansion and soon amalgamated with several other banks including the Commercial Bank of Port Elizabeth, the Colesberg Bank, the British Kaffarian Bank and the Fauresmith Bank. The Standard Bank was prominent in the financing and development of the diamond fields of Kimberly in 1867 and later extended its network further north to the new town of Johannesburg when gold was discovered there in 1885. Over time, half the output of the second largest goldfield in the world p assed through the Standard Bank on its way to London. In 1892 the Standard Bank opened for business in Zimbabwe, and expanded into Mozambique in 1894, Botswana in 1897, Malawi in 1901, Zambia in 1906, Kenya, Zanzibar and the Democratic Republic of Congo (D.R.C.), in 1911 and Uganda in 1912. Of these new businesses, Botswana, Zanzibar and the D.R.C. proved the most difficult and the branches soon closed. A branch in Botswana opened again in 1934 but lasted for only a year and it was not until 1950 that the Bank re-opened for business in Botswana. In Asia the Chartered Bank expanded opening offices in, Myanmar in 1862, what is now Pakistan and Indonesia in 1863, the Philippines in 1872, Malaysia in 1875, Japan in 1880 and Thailand in 1894. Some 34 years after the Chartered Bank appointed an agent in Sri Lanka it opened a branch in 1892 to take advantage of business from the tea and rubber industries. During 1904 a branch opened in Vietnam. Both the Chartered and the Standard Bank open ed offices in New York and Hamburg in the early 1900s. The Chartered Bank gaining the first branch licence to be issued to a foreign bank in New York.The impact of warEven the First World War offered opportunities for expansion when the Standard Bank set up a branch in Tanzania shortly after British troops occupied the formerly German administered Dar es Salaam in September 1916. Both banks survived the inter-war years but the world trade slump led to the closure of operations in the Canary Islands, Liberia, the Netherlands, and Equatorial Guinea. Disaster struck the Chartered Banks office in Yokohama, Japan, when an earthquake in 1923 killing a number of staff destroyed it. The Second World War particularly affected the Chartered Bank when numerous Asian countries were occupied by Japan.Standard Chartered in IndiaThe Chartered Bank opened its first overseas branch in India, at Calcutta, on 12 April 1858 Eight years later the Calcutta agent described the Banks credit locally as sple ndid and its business as flourishing particularly the substantial turnover in rice bills with the leading Arab firms. When the Chartered Bank first established itself in India, Calcutta was the most important Commercial city and was the centre of the jute and indigo trades. With the growth of cotton trade and the opening of the Suez Canal in 1869, Bombay took over from Calcutta as Indias main trade centre. Today the Banks branches and sub-branches in India are directed and administered from Mumbai (Bombay) with Calcutta remaining an important trading and banking centre.Standard Chartered is the largest international banking Group in India. Key businesses include Consumer Banking-Primarily credit cards, mortgages, personal loans and wealth management and wholesale Banking, where the Bank specializes in the provision of cash management trade, finance, treasury and custody services.It is the largest international banking group in India with an employee base of nearly 3500 people across the country. It also boast the largest branch network amongst all international banks in India-with 61 branches in 15 cities. With over 2.3 million retail customers, and a Credit Card base in excess of 1.3 million, it is the leaders in the consumer banking business. The wholesale bank has over 1200 corporate customers with a 33% market share in value with over 270 top transnational companies in India.INDUSTRY PROFILEWhat is BankingBanking, in a traditional sense is the business of accepting deposits of money from public for the purpose of lending and investment. These deposits can have a distinct feature of being withdrawable by cheques, which no other financial institution can offer.In addition, banks also offer various other financial services which include.Issuing Demand Drafts Travellers ChequesCredit CardsCollection of Cheques, Bills of exchangeSafe Deposit LockersIssuing Letters of Credit Letters of GuaranteeSale and Purchase of Foreign ExchangeCustodial ServicesInvestment Insurance servicesThe business of banking is highly regulated since banks deal with money offered to them by the public and ensuring the safety of this public money is one of the prime responsibilities of any bank. That is why banks are expected to be prudent in their lending and investment activities. Every bank has a Compliance Department, which is responsible to ensure that all the services offered by the bank, and the processes followed are in compliance with the local regulations and the Banks corporate policy.The major regulations and acts that govern the banking business areBanking Regulations act, 1949Foreign Exchange Management Act, 1999Indian Contract ActNegotiable Instruments Act, 1881Banks lend money either for productive purposes to individuals, firms, corporates etc, or for buying house property, cars and other consumer durable and for investment purposes to individuals and others. However, banks do not finance any speculative activity. Lending is risk taking.Banking in the New MillenniumWere living in a world dominated by the new idea economy, ticking to the beat of Internet time, where customers are quality conscious, time conscious and price conscious. Technology is creating new agile players making the existing ones obsolete. In this scenario, the role of internet and its impact on banking still appears to be a puzzle. Banks around the world are subject to the same radical changes -new competition, technology, deregulation, and globalization. But, eventually, the classic rules of business will reassert themselves in this virtual environment and the winners will be the first and best movers.The challenges in this millennium for the banking industry are enormous. The technology and Banking sector reforms, together are lifting the competitive intensity of the Banking business. In Banking, embedding knowledge into products can enhance value, and connecting different knowledge sources can create innovative products. The banks that are first to ma rket with the right mix of technologies, strategies and partnerships would be the sure winners.The banking environment worldwide is undergoing massive transformation. Despite the, not so favorable, market sentiments and an apparent backlash against dotcoms, serious players in established industries like banking, remain convinced that the Internet will have a profound impact on the banking sector.Mergers and acquisitions are changing the financial landscape, and cross-border linkages are drastically altering the business characters, in general and banking operations, in particular. But drawing firm conclusions can be dangerous, as mergers and consolidation take many different forms and the impact can give mixed results. But, there is growing concern as to whether mergers deliver the expected benefits and whether cross-border deals are feasible, particularly in Europe, where cultural considerations are seen as barriers to success. In Europe, players are beginning to assert themselves, as the Nat West battle is resolved. Nat west, one of the UKs biggest banks, was forced to accept a hostile takeover bid from a smaller rival, Royal Bank of Scotland in December 2000. Earlier in November 1999, Nat west rejected a similar bid by another small bank, Bank of Scotland. This move left the scene set for Royal Bank of Scotland to submit its long anticipated bid for Nat West. It was followed by a flurry of bid and counter bid by the two Scottish banks as Nat west fought to keep its independence. The Royal Bank of Scotland finally won by convincing the Nat West shareholders to accept its 25 bn offer. This outcome has set the tone for a long overdue round of consolidation in the European financial sector.Coming home, Indian banking sector has come a long way from being a sleepy business institution to a highly proactive and dynamic entity. Indian banking system is in the midst of a technological revolution. It is impacting the Indian industry in three ways firstly, by provid ing efficient and effective deliveryChannels, secondly, it is dramatically influencing the client profile, which in turn leads to the third change i.e. the Human Resources Management. As a service sector, it calls for a change in the attitude of the personnel that would have a salutary effect on customers.Indian Banking that was operating in a highly comfortable and protected environment till the beginning of 1990s has been pushed into the choppy waters of intense competition. Mergers and acquisitions, have been heating up in the new private banking sector since the HDFC-Times Bank merger came through in November 1999. The deal shook an otherwise placid Indian banking world and generated a kind of pressure on banks to shake hands with their peers to cope up with the competition.Going forward, the premium valuations of private banks compared to public sector banks depend on their ability to maintain high earnings growth and quality of assets. The current downturn in the economic acti vity could result in the increase of non-performing assets for most of the banks. The winner in the market would be the one who can sustain the high growth in business without compromising the asset quality.In this millennium, banks should strive to achieve significant increases in their productivity, efficiency, and profitability. The areas of challenges that lie ahead for the Indian banking sector would be Restructuring and Reorganizing banks setup, leaner offices, merging and forging of strategic alliances to take advantage of the geographic spread of branch network of banks, develop new products and services that would meet the emerging needs of customers and professionalManagement structures that would be responsive to the changes in the business environment.The book Banking In The New Millennium examines this changing landscape for the banking services. The purpose of this book is to present the current trends, the emerging scenario and the building blocks in banking sector. A brief section is also dedicated to retail banking that is growing in a big way. The book is divided into four sections analyzing the various aspects of the banking scenario. Packed with the right mix of articles on e-banking, retail banking, and mergers and acquisitions, this book is intended to serve as an executive reference book on Banking.Challenges And Future In Banking SectorMergers in the Banking, NPA, New Technology, Electronic Cash TransferAfter the nationalization of Banks, increasing adoption of technology, continuous mergers in the banking, modernizing backroom operation in the banks and competition pave the path of growth of Indian banking. By the mid-1990, the near monopoly of public sector banks faced the competition by the more customer-focused private sector entrants. This competition forced older and nationalized banks to revitalize their operations.Year 1992 was the golden period of Indian Banking system due to the scam-tainted stock market. Large proportion of h ousehold saving moved into the banking system, which recorded an annual growth of 20 percent in deposit.But along with the continuous growth and modernization, there are several challenges confronting the banking sector. The main challenges facing the banking sector are the deployment of funds in quality assets and the management of revenues and costs. The problem of NPA (non- performing assets), overall credit recovery systems still exist. There is a continuous reforms and modernization is in process. A number of recon mediations of two Narasimham committees have been implemented.Foreign Banks focusing on corporate and on the middle class consumer and providing then better service. Nationalized Banks are also attempting to get on the path of automation. Strong Banks will acquire the weaker banks. The member of foreign banks operating in India has increased significantly and their share of total assets has also increased. In the year 2001 estimated foreign bank account for 14.7 perc ent of the total net profit of commercial banking sector in India.In spite tangible progress and the contribution of Narasimham I and Narasimham committee reports the banking sector in India suffering from systemic and structural problem.OBJECTIVESThe main objective of this project report is to make an analytical study of Standard Chartered BankIt includes History of the Bank Product Analysis ServiceBanks Accounts Comparison of the saving accounts with other leading Banks of IndiaREASEARCH METHODOLOGYData collection has been done from both sources primary as well as secondary.Primary data by meeting various managers of the Standard Chartered Bank, Citibank, ABN-AMRO Bank, ICICI, HDFC, HSBC, GTB, UTI and IDBI.Secondary data From newspaper, magazines, Libraries.CONCEPTUAL FRAMEWORKInvestment in India Banking Banking SystemIntroductionThe Reserve Bank of India (RBI) is Indias central bank. Though public sector banks currently dominate the banking industry, numerous private and forei gn banks exist. Indias government-owned banks dominate the market. Their performance has been mixed, with a few being consistently profitable. Several public sector banks are being restructured, and in some the government either already has or will reduce its ownership. Private and foreign banksThe RBI has granted operating approval to a few privately owned domestic banks of these many commenced banking business. Foreign banks operate more than 150 branches in India. The entry of foreign banks is based on reciprocity, economic and political bilateral relations. An inter-departmental committee approves applications for entry and expansion. Capital adequacy normForeign banks were required to achieve an 8 percent capital adequacy norm by March 1993, while Indian banks with overseas branches had until March 1995 to meet that target. All other banks had to do so by March 1996. The banking sector is to be used as a model for opening up of Indias insurance sector to private domestic and f oreign participants, while keeping the national insurance companies in operation. Banking India has an extensive banking network, in both urban and rural areas. All large Indian banks are nationalized, and all Indian financial institutions are in the public sector. RBI banking The Reserve Bank of India is the central banking institution. It is the sole authority for issuing bank notes and the supervisory body for banking operations in India. It supervises and administers exchange control and banking regulations, and administers the governments monetary policy. It is also responsible for granting licenses for new bank branches. 25 foreign banks operate in India with full banking licenses. Several licenses for private banks have been approved. Despite fairly broad banking coverage nationwide, the financial system remains inaccessible to the poorest people in India. Indian banking system The banking system has three tiers. These are the scheduled commercial banks the regional rural b anks that operate in rural areas not covered by the scheduled banks and the cooperative and special purpose rural banks. Scheduled and non-scheduled banks There are approximately 80 scheduled commercial banks, Indian and foreign almost 200 regional rural banks more than 350 central cooperative banks, 20 land development banks and a number of primary agricultural credit societies. In terms of business, the public sector banks, namely the State Bank of India and the nationalized banks, dominate the banking sector. Local financing All sources of local financing are available to foreign-participation companies incorporated in India, regardless of the extent of foreign participation. Under foreign exchange regulations, foreigners and non-residents, including foreign companies, require the permission of the Reserve Bank of India to borrow from a person or company resident in India .Regulations on foreign banks Foreign banks in India are subject to the same regulations as scheduled banks . They are permitted to accept deposits and provide credit in accordance with the banking laws and RBI regulations. Currently about 25 foreign banks are licensed to operate in India. Foreign bank branches in India finance trade through their global networks. RBI restrictions The Reserve Bank of India lays down restrictions on bank lending and other activities with large companies. These restrictions, popularly known as consortium guidelines seem to have outlived their usefulness, because they hinder the availability of credit to the non-food sector and at the same time do not foster competition between banks. Indian vs foreign banks Most Indian banks are well behind foreign banks in the areas of customer funds transfer and clearing systems. They are hugely over-staffed and are unlikely to be able to compete with the new private banks that are now entering the market. While these new banks and foreign banks still face restrictions in their activities, they are well-capitalized, use modern equipment and attract high-caliber employees. Government and RBI regulationsAll commercial banks face stiff restrictions on the use of both their assets and liabilities. Forty percent of loans must be directed to priority sectors and the high liquidity ratio and cash reserve requirements severely limit the availability of deposits for lending.The RBI requires that domestic Indian banks make 40 percent of their loans at concessional rates to priority sectors selected by the government. These sectors consist largely of agriculture, exporters, and small businesses. Since July 1993, foreign banks have been required to make 32 percent of their loans to these priority sector. Within the target of 32 percent, two sub-targets for loans to the small scale sector (minimum of 10 percent) and exports (minimum of 12 percent) have been fixed. Foreign banks, however, are not required to open branches in rural areas, or to make loans to the agricultural sector. Commercial banks lent dols 8 billion in the Indian financial year (IFY, April-March) 1997/98, up sharply from dols 4.4 billion in the previous year.The deployment of gross loans was as follows FINDINGS AND ANALYSISBUSINESSConsumer BankConsumer Banking Offers a wide range of premium banking products and services through the network of 90 branches in 19 cities across the country to cater to customers diverse financial needs.Wealth management offers a complete and comprehensive range of products to fulfill a gamut of customer investment and financial needs. These include domestic and NRI transaction accounts (with several value-add products and services like ATM and globally valid Debit Card, phone banking, extended banking, any branch banking, door step banking and investment advisory services), distribution of capital market and insurance products and dematerialization services and finances against shares. Standard Chartered also offers Priority Banking that is personalized banking for the privileged few.Standa rd Chartered Group is a leading credit card issuer in India and has several firsts to its credit. These include issuance of the first Global Credit Card in India, thefirst Photo card, the first Picture Card. Our card division under Unsecured Payments is also the first in South Asia to be accorded an ISO 9002 certification. The credit Cards and Personal Loans Offer include co-branded cards with unique value propositions and cards like Sapnay for the middle-market segment. The division offers a range of personal loan products and also a personal line of credit through products such as Smart Credit.Our Secured Loan Division offers mortgage auto loans and also unique overdraft products like Mileage that offer revolving credit facility against the security of a used or new car.Standard Chartered Finance (SCF), an NBFC is our Centre for Excellence in Service and product distribution arm. Products include loans/leases for new passenger cars, used cars commercial vehicles and medical equipm ent. Standard Chartered Finance has an extensive network of branches in India.Wholesale BankCorporate and Institutional BankStandard Chartered is particularly strong in Institutional relationships and is the preferred correspondent bank for over 300 domestic and international bank, the largest such private sector network in India. The Bank focuses on service quality and all its operational units in trade, cash management, treasury and custody are ISO certified.Standard Chartered is Indias largest foreign trade finance bank and offers a full complement of trade finance products, including export credit in foreign currency, export letters of credit confirmations, merchanting trade and buyer credits. It is one of the few banks in India to offer services like channel financing forfeiting, without recourse export finance, project export and service export approvals and sponsorships.As a leading cash management supplier across emerging markets, Standard Chartered Offers Complete end to en d cash management solutions for corporate and institutions. The Greenwich survey for 2001 nominated Standard Chartered the Best Cash Management Service Quality Bank in India Range of Products include vostro accounts, draft drawing, telegraphic transfers and an international payments facility that allows foreign currency payments without a separate account.Standard Chartereds custody and clearing service unit has served Foreign Institutional Investors in India with Superior client servicing, supported bySophisticated and flexible computerized systems. It is the only custodian in India to earn the ISO 90012000 standards certification. Standard Chartered has received top ratings in Industrys benchmark surveys the Global custodian survey 2000 and the Global Investor Survey 2000.Global MarketsStandard Charted provides a complete 24 hour coverage of the worlds foreign exchange markets.It provides a broad range of products like Exotic currencies, Derivatives, Debt Capital markets, Currency Options and Electronic trading.Standard Chartered was the first bank in India to introduce its on-Line Treasury, a browser enabled dealing system that enables real-time transactions. Standard Chartered is also recognized as a leading market for the Indian Rupee.The Banks Treasury-the No.1 Treasury in India-is amongst the most active treasuries in the country, being a market maker in local currency and money markets. While we seek to provide advice, treasury products and services to our global clients in the Indian market, we also have active relationships with some of the biggest and most diversified Indian companies and many medium sized companies.With a large specialized sales force, we cater to all foreign exchange, money market and risk management needs of our corporate clients.Treasury has an active inter bank desk which, apart from being a market maker in the Indian Rupee spot and the forwards market, actively quotes for other currencies.The money Market Desk is a leading pla yer in the Rupee markets and in Government and corporate debt trading.The derivative Desk is a market maker in the Rupee Interest rate swap market. We also run one of Indias largest derivative books and offer products up to 7 years tenor.The corporate desk is amongst the largest among the foreign banks in India. With a presence in 5 major cities with state of the art dealing rooms and a corporate sales force of over 20 dealers, we have an unmatched reach and service capability across India. In addition to servicing currency market and investment needs of corporate clients, our corporate desk is active in advisory services pertaining to structuring and risk management.Standard Chartered Mutual Fund is one of the largest and fastest growing debt funds in the market. Standard Chartered Mutual Fund is the only fund that focuses only on the debt segment and prides itself on having developed one of the finest interest rate tracking models.Consumer Bank-ProductsTypes of DepositsBank Deposi tsB