Great Expectations Essay

As part of my GCSE coursework, I have read two novels written by Charles Dickens. The first novel is ‘Oliver Twist’, from, whwhich I will look at a villain called Bill Sikes who is a thief, a housebreaker, a murderer and one of Ddickens’ most menacing characters. I will look at how Dickens characterises him as a villain. s makes him a villain. The second book I read was ‘Great Expectations’, infrom which I will look at another villain called Magwitch who bullies a young boy named Pip into helping him q. escaping from prison. I will also look at how Dickens characterises himmakes him as a villain.. I will then compare Bboth characters will then be compared and contrasted in my study. . The first person I will look at is Bill Sikes who is a murderer, a thief, a housebreaker, a bully and is part of Fagan’s gang. Before we meet Sikes, Dickens dDescribes his environment. Firstly it is described as an ‘obscure parlour of a low public house’, a ‘dark and gloomy den’, ‘in the filthiest part of Little Saffron Hill’ and ‘where no ray of sun ever shone in the summer’. Adjectives such as obscure, low, dark gloomy and filthiest are all negative and suggest to me a very unpleasant and rough environment. The place being described as ‘where no ray of sun ever shone in the summer’, suggests to me further of the place’s depravity and that the public house is set in a back ally. The room Sikes is situated in is called a ‘Den’, A den is a place where animals usually live, so it suggests to me that this is an inhuman place, not suitable for a persons habitation. Over all I can say that the atmosphere is excessively bleak and miserable, the setting is used to reflect character and to create atmosphere suggestingand Sikes is in part, athe product of his own environment. Sikes is said to have been ‘brooding’, this suggests that Sikes had been in deep thought, scheming and plotting evil things. Sikes is described as ‘strongly impregnated with the smell of liquor’, this suggests to me that he we was highly intoxicated and the result, would mean that he would be grumpy, and irrational. He wares ‘a velvet coat, drab shorts, half-boots and stockings. As you can see his clothing is very drabmonotonous and this suggests to the reader the obscure and sinister nature of Sikes and the world he inhabits. ity Sikes of which Sikes can possess. Sikes is described as ‘even by that dim light, no inexperienced agent of police would have hesitated for one instant as Mr. William Sikes’. This suggests to the reader that Sikes is well known by the police and is obviously a common criminal. Sikes’ dog is described as being ‘red-eyed’. This is symbolic of depression and anger and many other negative emotions, so it is apparent that the dog is symbolic to the negativity in Sikes’ environment and is also a product of bad environment may be symbolic that the dog is symbolic of the harsh environment. The dog sits at his mastersmaster’s feet, this shows the relationship between the dog and his master as being close and intermit and proves Sikes’ ownership of the animal. Later the ‘unoffending’ dog is attacked and by Sikes, this shows that Sikes is very volatile, unpredictable, unstable and dangerous because he attacks his dog for no cause and acts very spontaneously with his aggressiveness. After the attacking, the dog avenges his attack it, by attacking Sikes’ half-boots. This shows that the dog has a bad temper and has a lot in common with his master. This eventually leads to a fight and Sikes’ attempted murder of the dog. This shows how malevolentsatanic Sikes’ can be. Sikes is a very aggressive man in his language, he ‘blasphemes’ and ‘curses’, ‘thrusts’ and ‘swears’ This type of language is rather unpleasant, shows negative emotions to a reader. This sort of dictionspeech gives a sense of violence to the reader. When Sikes speaks to his dog he says ‘Keep quiet, you warmint! Keep quiet! ‘ Here he commands and insults, so it shows that he is violent when he talks. We know this because Dickens has used exclamation marks to show that he was talking in anger. This can also be seen when he talks to Fagan for example ‘you white-livered thief! ‘ This shows the anger in the voice with the use of insults and exclamatoryion phrases. marks. Sikes also seeksspeaks to Fagian with a ‘fierce gesture’gesture’; this adds to Sikes’ sinister character because it suggests that again Sikes is angry and violent with his oral expression. Sikes’ often ‘growled’, had a ‘fierce sneer’ and speaks ‘savage like’. This further makes him look obnoxious and unhappy. These details present him as brutal, animalistic and primitive. Sikes speaks with the ‘harshest key of a very harsh voice’. This suggests that he is very unpleasant when he usually speaks. Therefore I would say that the way in which Sikes’ speaks shows that cruelty and ill-intent of his character. Thus from this extract we are given the impression that Sikes is incredibly evil, menacing, he is unhappy, intimidating, ferocious and volatile. This impression is reinforced later in the novel in which we look at Sikes killing his prostitute lover Nancy and the events leading up to it. It begins with Noah, repeating what he told Fagin to Sikes. Fagin ‘cries’, and says ‘Tell him that, tell him that.

Investment and Market Risk Premium

Cost of Capital at Ameritrade Day 1 1. What factors should Ameritrade management consider when evaluating the proposed advertising program and technology upgrades? Why? -They should see how revenues have changed after adopting the new ad program and technology upgrades -They need to see ROI for their investments over time 2. How can the Capital Asset Pricing Model be used to estimate the cost of capital (required return) for calculating the net present value of a project's cash flows? it will help us determine the Cost of capital or discount rate which we can use to calculate NPV, in other terms the numerator will never change (FCF), only the denominator will based on the cost of capital3. What is the estimate of the risk-free rate that should be employed in calculating the cost of capiual for Ameritrade's proposed investment? – the risk free rate should be the T-bills rate or the average annualized total annual returns on US government securities = 3. %. In my opinion, we sho uld use the risk-free rate equal to yield of 20-year US government securities, because it is long-term capital investment. We may use 30-year rate, but we are investing in technology, and concerning the speed of technological enhancements, 20-year rate is optimal. So it is 6,69% 4. What is the estimate of the market risk premium that should be employed in calculating the cost of capital for Ameritrade's proposed investment? Market Risk PremiumThree distinct concepts are part of market risk premium: 1) Required market risk premium: the return of a portfolio over the risk-free rate (such as that of treasury bonds ) required by an investor; 2) Historical market risk premium: the historical differential return of the market over treasury bonds; and 3) Expected market risk premium: the expected differential return of the market over treasury bonds. Also called equity premium, market premium and risk premium.Market Risk Premium = Expected Return of the Market – Risk-Free Rate The e xpected return of the market can be based on the S;P 500, for example, while the risk-free rate is often based on the current returns of treasury bonds. First to find the Expected Return of the market, from Exhibit 6, We take the aggregate stock market and multiply by 12: = 15. 71% The Risk-free rate is 3. 8% =;gt; The market risk premium= 15. 7 – 3. 8 = 11. 9% (That is why we may use the difference between US Government Securities rate (6,69%)and historical Large Company Stocks annual returns.But we have 2 numbers: during1950-96 and 1929-96. The difference between them is 1,3%. I think that we should useâ€Å" younger† value of 14%, because the years 1930-1949, of course, were under market economy, but at the same time there were not so stable laws, a Second World War passed, many companies at that time worked for government orders, so this number may be a bit out of overall tendencies. ) 5. In principle, how would one go about determining beta for purposes of calcula ting the cost of capital for Ameritrade's proposed investment?TO calculate Beta for cost of capital, or asset beta: We need to find first the Equity Beta = by regressing stock returns over market returns and it will then be the slope. We also need to calculate the market value of the equity of the firm which is the price per share multiplied by the total number of shares outstanding (see attached notes) A cost of capital is a weighted average of the cost of debt and equity. Likewise, the asset beta is the weighted average betas of debt and equity. We use market value proportions of debt and equity (see CAPM, p. 476). Ba = (D/D+E)BetaD+ (E/D+E)BetaEIt is common to assume that debt has no relationship to market risk; that BetaD=0 Empirical studies of corporate debt returns suggest it would be better to assign some market-related risk to corporate debt; and use estimates ranging from 0. 20 to 0. 30. To get BetaE, the equity beta for Ameritrade, we would normally run a regression of equ ity returns on stock market returns. That is, we would estimate the slope of the line that best fits: Unfortunately, Ameritrade had their IPO (Initial Purchase Offer) in March of 1997, so there is not enough data at the time of the case to calculate a reliable beta estimate.So instead, we will look at comparable firms. Firms in the same industry pursuing the same types of projects will have the same sorts of risks, thus their asset betas will be approximately the same. The returns we calculate for these firms, based on stock price movement, dividends, and stock splits, are their equity betas. These are influenced by the degree of leverage each company is using (recall that higher leverage leads to higher ROE, EPS and DPS, but also leads to greater variability in earnings).Knowing the amount of debt in their capital structures (at market values), we can calculate the asset beta for each comparable firm. Then we will average these to use as a proxy for Ameritrade’s asset beta N ote: An agent that mediates sales and exchanges between securities buyers and sellers at even lower commission rates than those offered by a regular discount broker . As one might expect, deep discount brokers also provide fewer services to clients than standard brokers; such brokers typically provide little more than the fulfillment of stock and option trades, charging a flat fee for each.The problem that must be overcome in determining the implementation decision is the uncertainty of the cost of capital. Other Methods of Estimating Cost of Equity Capital: †¢The EP Method r = EPS / Stock Price †¢The Constant Growth (Gordon) Model r = DIV1 / P 0 + g compute g from earnings, dividend, or cash flow growth or use the sustainable growth estimate ? Equity Betas, the relationship of a given equity’s risk to that of the larger market, reflects two kinds of risk –The risk of the business itself –The risk that the debt a business has will prevent cash flow to equity ?We can de-lever these equity betas to strip out financial risk associated with leverage and find the implied beta for the business itself (asset beta) –Asset beta measures the business risk only and does not change with capital structure ? Often, the best way to estimate a forward looking asset beta for a company is to take a median of its industry peers asset betas (historically calculated) since one-time company events in the past will be averaged out ? We can then find the equity beta for the company by re-levering the industry asset beta to the target debt / cap ratio of the company ?Exhibit 4 provides various choices of comparable firms. Which firms do you recommend as the appropriate benchmarks for evaluating the risk of Ameritrade’s planned advertising and technology investments? Determine the betas for these firms. Let us agree that Charles Schwab is a comparable firm. Their price changes, dividends,and stock split information for 1992-1996 is in Exhibi t 5. If there were no stock split, thereturn, compared to the previous period, is given by: For example, if the price the previous period was $100, then wentup to $104, and in addition had a dividend of $8, the return would be +0. 12, or 12%.In ashort time period, the returns will be much closer to 0. If there is an X for y stock split, use the formula: Copy the Return values into Exhibit 6 alongside the appropriate dates, then regress theSchwab returns against the value-weighted NYSE returns for the same period. The slopeof the line is the equity beta. Do this for the other comparable firms. Calculate the asset betas using the formula inquestion 5 (twice, once with Beta D = 0 and once with 25. 0). Average the results. This should be a good estimate of Ameritrade’s asset beta. Finally, put these results back into the equation in #2 to estimate Ameritrade’s cost of capital

Evaluate the recommendation to provide a tax system with a neutral Assignment

Evaluate the recommendation to provide a tax system with a neutral treatment of life-cycle savings for the vast majority of taxpayers (as described in chapter 13) - Assignment Example In order to restore the health of the treasury and the public finances, the government revised the tax structure which aimed at increasing the tax receipts from the public in UK. The income tax, national insurance taxes, value-added tax and the corporation taxes are the largest contributors to the tax receipts of the government (James, 2009, p.74). Thus the modification of the tax structure of UK has implications for the household savings and has affected the life cycle savings of the households. On the same lines, a new higher income rate of 50% has been announced for individuals with income level over 1.47 billion pounds. The tax structure has also removed the income tax personal allowance in order to make for increased payment of taxes by the government. The tax rates for National Insurance have also been increased by 1%. In order to reduce the impacts on the low earning class of people, the threshold for the national insurance have been increased. The tax structure has also aboli shed the reduced rate of value-added taxes that apply to the selected goods and services offered by the producers. The review of the current tax system in UK revealed that the tax structure is costly and not uniform in terms of lifecycle savings of the individuals. The current tax structure urges the individuals and the households to spend earlier in their lives rather than waiting for the later stages. The current tax system has been reviewed to find that it would lead to rising inflation rates in the economy. The current tax system of UK has been reviewed to find that there are varying tax rates of 40%, 50% and 60% for people belonging to various income brackets. The increases in the income tax, national insurance tax, reduction of personal income tax allowance are measures that could excessively reduce the income levels of the economy and could also lead to higher rates of unemployment. Therefore, it has been

Employment Law Essay Example | Topics and Well Written Essays - 2000 words

Employment Law - Essay Example The next issue that arises is whether John Davies employer had done to protect and accommodate John Davies condition. Discrimination as when employer treats a qualified individual within a disability who is an employee or applicant unfavorably because she is a disability. The question that arises is whether Davies was a qualified individual and whose employer treated unfavorably. This is answered in the affirmative The fact that he has been into a company for over two years can not dispute the fact that he is qualified, and he could work well and tight deadlines. The law requires (The Rehabilitation Act 1973) an employer to provide reasonable accommodation to an employee. In this scenario, making the employee perform his duties with minimal pressure and him to continue enjoying the privileges of employment. It can be said that the fact that John Davies was given poor rally in his recent appraisal as a result of him having backlog of work is discriminatory and gross violation of his h uman right to fair wage /promotion. John Davies been denied promotion yet he is qualified and the denial is based on the need of such covered entity to make reasonable accommodation to the physical /mental impairments of the employee. The company failed to make a reasonable accommodation to Davies appraisal and was given poor results despite the fact that he was sickly and unable to attend his job on full time basis. John Davies was denied promotion because of the known disability and yet he was qualified An example of such a case is evident in, Toyota Motor Manufacturing, Kentucky, Inc. v. Williams Toyota Motor Manufacturing, Kentucky, Inc. v. Williams, 534 U.S. 184 (2002) was a case in which the Supreme Court interpreted the meaning of the phrase "substantially impairs" as used in the Americans with Disabilities Act. It reversed the decision by the Sixth Court of Appeals to grant a partial summary judgment in favor of the respondent, Ella Williams that qualified her inability to p erform manual job-related tasks as a disability. The Court held that the "major life activity" definition in evaluating the performance of manual tasks focuses the inquiry on whether Williams was unable to perform a range of tasks central to most people in carrying out the activities of daily living. The issue is not whether Williams was unable to perform her specific job tasks. Therefore, the determination of whether impairment rises to the level of a disability is not limited to activities in the workplace solely, but rather to manual tasks in life in general. When the Supreme Court applied this standard, it found that the Court of Appeals had incorrectly determined the presence of a disability because it relied solely on her inability to perform specific manual work tasks which was insufficient in proving the presence of a disability. The Court of Appeals should have taken into account the evidence presented that Williams retained the ability to do personal tasks and household ch ores, such activities being the nature of tasks most people do in their daily lives, and placed too much emphasis on her job disability. Since the evidence

Explain the influence of T. S. Eliot on 20th century Arabic poetry, Essay

Explain the influence of T. S. Eliot on 20th century Arabic poetry, giving examples - Essay Example He died in 1965 but his fame did not die with him. Infact he became a model for the future generations in all parts of the world (Nobelprize.org). Eliot’s influence on English writers is well known to everyone. His books â€Å"Prufrock and other Observations†, â€Å"Four Quartets† and in particular â€Å"The Wasteland† has influenced many English writers. However, Eliot’s fame and influence did not confine itself to the borders of Europe and America. Where English poetry under Eliot’s influence moved with a steady pace, the Arabic poetry made a giant leap unleashing itself from the age old Arabic classical poetic model, the qasida, whose form, structure and pattern were laid down in the seventh century and were older than the religion Islam itself (Loya, 1971). The qasida was a couplet which consisted of two symmetrical hemistiches, separated by a caesura followed by a fixed pattern of long and short vowels. Each couplet was independent of the rest of the poem. All the couplets followed a similar rhyme scheme and meter throughout the poem. In Arabic poetry there was also restriction in the selection of themes as well. This pattern was being followed by the Arab poets without any significant changes for the past fourteen hundred centuries. The tribal Arab society gave way to the urbanized society which desperately demanded changes in the poetic form to express its message. The Arab poets became aware of the fact that the traditional qasida form consisting of fixed meter and rhyme was not sufficient to express the harsh realities of life. Despite all this the Arab poets continued to write in the traditional form till the twentieth century. The situation continued till the influence of West, in particular, the influence of T.S. Eliot changed the trend of the Arabic poetry. Many Arabic poets were deeply influenced by T.S. Eliot, whose literary work had touched all parts of the world with admiration (Loya,

A Laboratory Scientist in the Organization Assignment

A Laboratory Scientist in the Organization - Assignment Example In a more general term, laboratory scientists in any institution are the head of an experiment and chemical keeping without which it should impact any danger to other members of the organization. a). According to Blanchard and Thacker (2007, p. 25), an employment contract refers to the signing of a paperwork between two parties (employer and employee) to set the commencement of a given work within the specified rules and regulations that seem acceptable and legal by the law and which do not infringe on anyone’s rights. The contract normally has a limit of time. The employers should be responsible for their health and safety. They should identify hazards in a systematic manner and eliminate or isolating those that are possible. For instance, employers may recognize the necessary steps to minimize the hazards, by providing information, as well as warnings. Also, by identifying whether there are any regulations covering their industry and complying with them. Providing protective equipment clothing or ensuring employee provided protective is suitable and ensuring that they are used effectively. They should also be trained in order to impart in them the necessary skills to manage their own safety. Employers should recognize any accident that might have occurred while been out keen so as to avoid the same in the future. Being keen on any signs of a disease and reporting to the clinic immediately in case of any signs. Responding to inspector’s advice and ensuring that work practices together with working hours are followed in a manner that enhances a safe-working condition. Environmental laws currently carried out in England covers the following key areas: waste management, water pollution, air pollution, noise, hazardous substances, contaminated land and the IPC/IPPC regimes. b). ISO is the International organization for standardization, a worldwide organization with representatives from 157 countries.  

How does Plantinga argue for the claim that belief in God might be Essay

How does Plantinga argue for the claim that belief in God might be properly basic Do you think his argument is good Do you think that the conclusion of his argument is true - Essay Example American analytical philosopher Alvin Carl Plantinga has also added some new dimensions to thoughts about rationality of belief in God by proposing the argument that belief in God is properly basic and needs to justification and evidenced from the other beliefs (Attridge, 2009). Plantinga divulged his philosophical views regarding belief in God and proposed his claim that the belief in God used to be properly basic depending upon the circumstances being faced by the individuals. He argues that there are certain circumstance when the belief in God in properly basic because certain circumstances compel the individuals to build faith upon certain things about God even if they do not find any support and reasons for those things from their other existing beliefs (Oppy and Scott, 2010). Plantinga referred to the classical thought that asserts that belief in God is always held in connection with other beliefs. He opposed this classical thought about the dependency of belief in God upon some evidences from other beliefs and claims that it is not always necessary because people do believe upon many things about God that are not verified and asserted by their other beliefs. He argues that believing in God does not require any argument. He made his claim in his article "Reformed Objection to Natural Theology" published in 1981. After the publication of this article there was strong wave of criticism and opposition was provoked especially from the philosophers having firm belief upon the arguments made by the classical philosophy. Through his claim and argument Plantinga has contributed to the epistemology called reformed epistemology in which he argues that the justification about the belief in God is not dependent upon evidence but it is properly basic and could be held regardless of other belief’s support to it. The argument poses by Plantinga has

Description and critical evaluation of an historic or contemporary Essay

Description and critical evaluation of an historic or contemporary piece of graphic design from any culture - Essay Example Graphic designs normally appear in the poster realm, website or advertisements (Landa 2013) Further, graphic designs have rightfully been with us through the centuries. In Greek, graphic is taken from the word graphein. In France, graphic is dessiner. In the Italian environment, graphic is disegno. Graphic design relates to drawing. Additionally, graphic includes the sketching process. In Latin, graphic is translated as mark. The Latin word for mark is signum. Planning and expression rightfully form part of the creation of the graphically designed artwork (Barnard 2013). Moreover, inspirational traffic signs, another graphic design area, are correctly used to universally maintain traffic safety. French, Japanese, Chinese and Italian tourists can understand the above traffic road signs. The stop sign message instructs the person to stop. The car driver will stop when the police officer holds up the stop sign. In a building entrance or exit, the stop sign instructs the persons to stop. The person is not allowed to continue entering the premises (Yin 2011). Further, the traffic signs correctly deliver other traffic safety messages. Graphic designers like Bruno Monguzzi use thought provoking designs to attract the design viewers (Poulin 2012). The traffic signs’ messages reduce the number of traffic accidents. The second sign shows the car is allowed to implement a U-turn. In a road reaches a dead end, the U-turn sign instructs the vehicle driver to turn around. The third sign shows the road is narrowing. The vehicle driver is instruc ted to be more careful, possibly slowing down. The fourth sign shows the road is slippery. The vehicle driver is warned that one’s vehicle may be in danger of slipping. Slipping may result to avoidable accidents. Furthermore, the above traffic signs rightfully comply with the two areas of graphic design. The first area focuses on bring a

Lowering the drinking age Essay Example | Topics and Well Written Essays - 1000 words

Lowering the drinking age - Essay Example This essay establishes varied approaches that depict the merits and demerits of lowering the drinking age. Researchers establish that the American youths should gain access to drinking after attaining the majority age of eighteen having the ability to distinguish the good from the bad accordingly. The reason established is that the constraints in prevalence over drinking remains ineffective as the youths would access alcohol by practicing other uncensored alternatives. For example, the youth were adapting to distinct approaches to the habit, through organizing parties as the best alternatives to drinking. The reason behind the resolution into beer parties is a deviant from the authorities that controlled the drinking points. Further, the youth below the drinking age remain vulnerable to unhealthy drinking practices as much as they practiced it in isolation (Toomey, Nelson, and Lenk, 2009). The behavior is predominantly possessive, and the authorities should ease the stringent measures over the drinking age. Arguments are that the importance of allowing teenagers into alcoholism through reducing the limit to the age of eighteen (Rigler, 2000). The controversy is that, the government stands accused on the measures on drinking, stipulating that the measures have indirectly stimulated indulgence into the habit, rather than reducing. There is likeliness that the youths continually indulge into drinking, a factor propelled by the urge to experience different dimensions that seem attractive although restricted by the law (Smith, 1995). Different findings establish that because of the perceived oppression following the sanctioned drinking age of 18 years, the youth continually indulge into the habit as it is common that humans are defiant to change and will react accordingly. Evidence depicts that the youth are curious on attaining the drinking age of twenty-one, and with an

The origins of international terrorism targeting the United States Essay

The origins of international terrorism targeting the United States - Essay Example It is â€Å"political and symbolic†, â€Å"a clandestine resistance to authority.†1 ITERATE’s definition of international terrorism is the following: â€Å"the use or threat of use of anxiety-inducing violence for political purposes, by any individual or group with the intent to influence the attitudes and behavior of a wider target group.†2 Again in this definition we see key words ‘threat,’ ‘anxiety,’ ‘political,’ ‘target group’ which were highlighted above. Defining terrorism is important to follow its origins. Though the phenomenon of terrorism is â€Å"highly diverse† and â€Å"deeply contested concept,†3 which embraces a number of different actions on behalf of certain grouping or states, in this paper we focus on the issue of why United States has been serving a target of international terrorist actions. The research into the psychology of terrorism is also important for understanding the sources of terrorism directed against the U.S. Since the outburst of terrorist actions, most researches were interested with psychology of terrorism. Some interpreted it as â€Å"a form of madness with perhaps an underlying physical disorder.† Some researches related terrorism with â€Å"nervous over-excitement of the period† resulting in â€Å"exaggerated individualism and the spread of decadent literature.† There were attempts to explain terrorism with fluctuations of barometric pressure, moon phases, alcoholism and droughts. 4 Terrorism was explained by personality disorders in particular narcissism or paranoia. Terrorists were viewed as abnormal, different psychologically from general public. This viewpoint was supported by a number of authors. Post (1990) and Pearlstein (1991), who believed that "the individual who becomes and remains a political terrorist generally appears to be psychologically molded by certain narcissistic personality disturbances" (p. ix).5 However, most terrorism researchers do not account

Diagnosis and treatment of male genitourinary Essay Example for Free

Diagnosis and treatment of male genitourinary Essay 1. What is a physician that specializes in the diagnosis and treatment of male genitourinary conditions called? Urologist 2. What disease causes the kidneys to overcompensate by straining within the remaining nephrons? Chronic Renal Failure 3. What are most kidney stones composed of? calcium-containing crystals 4. What are three types of bladder stones? Calcium, Uric acid, Struvite, and Cystine stones 5. A constriction of the perputial orifice that does not allow for the foreskin to fold back over the glans is called? paraphimosis 6. What is the term for the surgical removal of the uterus? Hysterectomy 7. What is the medical term for an examination/biopsy of the vagina and cervical areas? colposcopy 8. What disease or condition can lead to DUB (Dysfunctional Uterine Bleeding)? Menorrhagia, Metrorrhagia, and Polymenorrhea 9. How many days are used to calculate the EDD? The due date may be estimated by adding 280 days 10.What are the terms that describe the surgical removal of a fetus through an abdominal incision? caesarean section II. Go to http://www.aapc.com and answer the following questions: Q: For the CPCÂ ® certification, what are the specific eligibility requirements We recommend having an associate’s degree. Pay examination fee at the time of application submission. Maintain current membership with the AAPC. New members must submit membership payment with examination application. Renewing members must have a current membership at the time of submission and when exam results are released. All exams will be reported with exact scores and areas of study (65% or less).A CPC must have at least two years medical coding experience (members with an apprentice designation are not required to have two years medical coding experience.) Membership is required to be renewed annually and 36 Continuing Education Units (CEUs) must be submitted every two years for verification and authentication of expertise.

Quality of Work Life Essay Example for Free

Quality of Work Life Essay Employees at any level many time experience a sense of frustration because low level of wages, poor working conditions, unfavourable terms of employment, inhuman treatement by their superiors the like whereas managerial personnel feel frustrated because of alienation over their condition of employment , interpersonal conflicts, role conflicts, Job pressure , lack of freedom , absence of challenging work, etc. QWL means different things to different people, J. Richard J. Loy define QWL as the degree to which members of a work organization are able to satisfy mportant personnel needs through their experience in the organization. In the search for improved productivity, manager executives alike are discovering the important contribution of QWL. Hackman suttle describe QWL from varied viewpoints. From a professional view point , it refers to industrial democracy, increase workewrs participation in corporate decision making , or culmination of the goals of human realations. In terms of management perspective, it relates to a variety of efforts to improve productivity through improvements in the human , rather than he capital or technological inputs of production. From standpoint of the characteristics of individual workers , it refers to the degree to which members of a work organization are able to satisfy important personal needs through their experience in the organization. From the unions, perspective , it is a more equitable sharing of the income and resources of the work of organization, and more human healthier working conditions. DIMENSIONS OF STUDY : Quality of work life improvement are defined as any activity which takes place at very level of organization which seeks greater organizational effectiveness through enhancement of human dignity and growth a process through which the stockholders in the organization management, union and employees- learn how to work together to better to determine for themselves what actions, changes improvements are desirable and workable in order to achive twin simultaneous goals of an improve quality of life at work for all members of organization greater effectiveness for the company and unions. Trade union claim that they are responsible for the improvements in various facilities to workers hereas management takes credit for improved salaries, benefits facilities. However, HR manager has identified specific issues in QWL. Klott Mundick Schuster suggested major QWL issues. They are: (1) Pay Employment on permanent basis: Good pay still dominates most of the other factors in employee satisfaction. Various alternative means for providing wages should be developed in view of increase in cost of living index , increase in levels rates of income tax profession tax. QWL must be build around an equitable pay programs . in uture more workers may want to participate in the profits of the firm. Employment of workers on casual, temporary, probationary basis gives them sense of insecurity. On the other hand , employment on the other basis gives them security leads to higher order QWL. (2) Occupational Stress : Stress is a condition of strain on ones emotions, thought process ; physical condition . stress is determined by the workers abilities nature and match with the Job requirements. Stress is cause due irritability, offering prestigious designation to the Jobs, providing well furnish amp; decent work places, offering membership in clubs or association , providing vehicles, offering vacation trips, or means to recognize the employees hyper- excitation or depression unstable behaviour, fatigue, stuttering, trembling psychometric pains, heavy smoking drug abuse. Stress adversely effects on employees productivity. The HR manager, in order to minimize the stress has to identifiy, prevent ; tackle the problem. He may arrange the treatment of problem with the health unit or provide some stress buster activities during the hectic work schedule. 3) Organizational Health programs : Organizational health programs aim at educating employees about health problems means of maintaining ; improving health etc. These programme covers drinking and smoking cessation ( if it is affecting the productivity of employee ) , hypertension control , other forms of cardiovascular risk reduction, family planning etc. Effective implementation of these progrme results in reduction in absenteeism, hospitalization ,disability, excessive Job turnover ; premature death. It should also covers relaxation, physical exercise , diet control etc. 4) Alternative work schedule : Alternative work schedule including work at home , flexible working hours, staggered hours , and reduced work week, part time employment which may be introduced for the convenience ; comfort of the workers as the work schedule which offers the individual the leisure time , flexible hours of work is preferred. 5) Participative Management ; control of work : Trade unions and workers participation in management and decision making improves QWL . workers also feel that they have control their work, use their skills ; make a real contribution to the Job if they re allowed to participate in creative and decision making process. (6) Recognition : recognizing the employee as a human being rather than as a labourer increases the QWL . Participative management , awarding the rewarding systems , congratulating the employees for their achievement , Job enrichment, offering prestigious designation to the Jobs, providing well furnish and decent work places,offering membership in club or associations , providing vehicles , offering vacation trips, or some means to recognize the employees . (7) Congenial Worker- supervisor Relation : Harmonious supervisor- worker relations give the worker essence of social association , belongingness, achievement of worker results etc. This in turn led to better QWL. 8) Grievance procedure : workers have a sence of fair treatement when the company gives them opportunity to ventilate their grievances and represent their case succinctly rather than settling the problems arbitrarily. (9) Adequacy of resources : Resources should match with stated objective ; otherwise , employee will not be able to attain them . This results in the employee dissatisfaction and lower QWL. 10) Seniority ; meri t in promotions : seniority is generally taken as the basis of promotion in case of operating employees . Merit is considered as the basis for advancement for managerial people whereas seniority cum- merit is preferred for promotion of ministerial employees. The promotional policies ; activities should be fair 7 Just in order to ensure higher QWL. (11) Welfare Benefits : Since workers are now better organized , educated ; vociferous, they demand social security ; welfare benefits as a matter of right which were once considered a part of bargaining process.

Banking, Customer Satisfaction IDBI Bank Awareness

Banking, Customer Satisfaction IDBI Bank Awareness CHAPTER- I 1.1 Title of the study 1.2 Scope of the study 1.3 Objective of the study 1.4 Significance of study 1.5 Researcher methodology 1.1 Title of the study:- â€Å"A survey on banking products, customer satisfaction awareness of IDBI Bank† 1.2 Scope Importance of the Study Each and every project study along with its certain objectives also have scope for  future. And this scope in future gives to new researches a new need to research a  new project with a new scope. Scope of the study not only consist one or two future  business plan but sometime it also gives idea about a new business which becomes  much more profitable for the researches then the older one. Scope of the study could give the projected scenario for a new observed in my project  are not exactly having all the features of the scope which I described above but also  not lacking all the features. Research study could give an idea of network expansion for capturing more  market and customer with better services and lower cost, with out compromising  with quality. In future customer requirements could be added with the product and services for  getting an edge over competitors. Consumer behavior could also be used for the purpose of launching a new  product with extra benefits which are required by customers for their account  (saving or current ) and/or for their investments. Factors which are responsible for the performance for bank can also be used for  the modification of the strategy and product for being more profitable. 1.3 Objectives of the study:- To know the customer needs and expectations. To find out the factors which customer take into consideration in opening a account To know that up to what extent a customer is satisfied with the bank To know the customer complaints and their redressal 1.4 Significance of the study:- Every research is conducted to fulfill certain objectives and these objective in turn fulfill some purpose and are of significance for one or more then one party these research is significant for:- To the Researcher:- This study provides the researcher a practical insight of various activities and function of the bank The researcher will also be able to develop on in depth knowledge of banking sector The study is also required for the partial fulfillment of the requirement for the degree of MBA as per the curriculum To the Bank:- The study would help IDBI Bank to know the customers attitude (about awareness and satisfaction level) towards its various products. 1.5 Research Methodology:- 1) Type of Research Research is descriptive in nature 2) Universe Customer of IDBI Bank in New Delhi 3) Sampling Unit Existing customer of IDBI Bank 4) Sampling Technique Convenience method of sampling was used 5) Sample Size 200 respondents 6) Data Type Primary secondary data PRIMARY DATA The Primary data are those which are collected afresh and for the first time, and thus  happen to be original in character. SECONDARY DATA The secondary data are those which have already been collected by someone else  and which have already been passed through the statistical process. CHAPTER II 2.1 Industry Introduction 2.2 Introduction to IDBI bank: All about 2.3 Management Organization 2.4 IDBI bank business chart 2.5 IDBI bank organizational chart 2.6 Product Services 2.7 Subsidiaries of IDBI 2.8 Review of literature 2.1 Industry introduction The Indian Banking industry, which is governed by the Banking Regulation  Act of India, 1949 can be broadly classified into two major categories, non-scheduled banks and scheduled banks. Scheduled banks comprise  commercial banks and the co-operative banks. In terms of ownership,  commercial banks can be further grouped into nationalized banks, the State  Bank of India and its group banks, regional rural banks and private sector  banks (the old/ new domestic and foreign). These banks have over 67,000  branches spread across the country in every city and villages of all nook and  corners of the land. The first phase of financial reforms resulted in the nationalization of 14 major  banks in 1969 and resulted in a shift from Class banking to Mass banking. This in turn resulted in a significant growth in the geographical coverage of  banks. Every bank had to earmark a minimum percentage of their loan  portfolio to sectors identified as â€Å"priority sectors†. The manufacturing sector  also grew during the 1970s in protected environs and the banking sector was  a critical source. The next wave of reforms saw the nationalization of 6 more  commercial banks in 1980. Since then the number of scheduled commercial  banks increased four-fold and the foreign banks (numbering42), regional rural  banks and other scheduled commercial banks accounted for 5.7 percent, 3.9  percent and 12.2 percent respectively in deposits and 8.41 percent, 3.14  percent and number of bank branches increased eight-fold. And that was not  the limit of growth. After the second phase of financial sector reforms and liberalization of the  sector in the early nineties, the Public Sector Banks (PSB) s found it  extremely difficult to compete with the new private sector banks and the  foreign banks. The new private sector banks first made their appearance after  the guidelines permitting them were issued in January 1993. Eight new  private sector banks are presently in operation. These banks due to their late  start have access to state-of-the-art technology, which in turn helps them to  save on manpower costs. During the year 2000, the State Bank Of India (SBI) and its 7 associates  accounted for a 25 percent share in deposits and 28.1 percent share in credit. The 20 nationalized banks accounted for 53.2 percent of the deposits and 47.5  percent of credit during the same period. Current Scenario: The industry is currently in a transition phase. On the one hand, the PSBs,  which are the mainstay of the Indian Banking system are in the process of  shedding their flab in terms of excessive manpower, excessive non  Performing Assets (Npas) and excessive governmental equity, while on the  other hand the private sector banks are consolidating themselves through  mergers and acquisitions.   PSBs, which currently account for more than 78 percent of total banking  industry assets are saddled with NPAs (a mind-boggling Rs 830 billion in  2000), falling revenues from traditional sources, lack of modern technology  and a massive workforce while the new private sector banks are forging  ahead and rewriting the traditional banking business model by way of their  sheer innovation and service. The PSBs are of course currently working out  challenging strategies even as 20 percent of their massive employee strength  has dwindled in the wake of the successful Voluntary Retirement Schemes  (VRS) schemes. The private players however cannot match the PSBs great reach, great size  and access to low cost deposits. Therefore one of the means for them to  combat the PSBs has been through the merger and acquisition (M A) route. Over the last two years, the industry has witnessed several such instances. For instance, HDFC Banks merger with Times Bank Icici Banks acquisition  of ITC Classic, Anagram Finance and Bank of Madurai. Centurion Bank,  Indusind Bank, Bank of Punjab, Vysya Bank are said to be on the lookout. The  UTI bank- Global Trust Bank merger however opened a pandoras box and  brought about the realization that all was not well in the functioning of many  of the private sector banks. Private sector Banks have pioneered internet banking, phone banking,  anywhere banking, mobile banking, debit cards, Automatic Teller Machines  (ATMs) and combined various other services and integrated them into the  mainstream banking arena, while the PSBs are still grappling with disgruntled  employees in the aftermath of successful VRS schemes. Also, following  Indias commitment to the W To agreement in respect of the services sector,  foreign banks, including both new and the existing ones, have been permitted  to open up to 12 branches a year with effect from 1998-99 as against the  earlier stipulation of 8 branches. Tasks of government diluting their equity from 51 percent to 33 percent in  November 2000 has also opened up a new opportunity for the takeover of  even the PSBs. The FDI rules being more rationalized in Q1FY02 may also  pave the way for foreign banks taking the M A route to acquire willing Indian  partners. Meanwhile the economic and corporate sector slowdown has led to an  increasing number of banks focusing on the retail segment. Many of them are  also entering the new vistas of Insurance. Banks with their phenomenal reach  and a regular interface with the retail investor are the best placed to enter into  the insurance sector. Banks in India have been allowed to provide fee-based  insurance services without risk participation, invest in an insurance company  for providing infrastructure and services support and set up of a separate  joint- venture insurance company with risk participation. Aggregate Performance of the Banking Industry Aggregate deposits of scheduled commercial banks increased at a  compounded annual average growth rate (Cagr) of 17.8 percent during 1969-99, while bank credit expanded at a Cagr of 16.3 percent per annum. Banks  investments in government and other approved securities recorded a Cagr of  18.8 percent per annum during the same period. In FY01 the economic slowdown resulted in a Gross Domestic Product (GDP)  growth of only 6.0 percent as against the previous years 6.4 percent. The WPI  Index (a measure of inflation) increased by 7.1 percent as against 3.3 percent  in FY00. Similarly, money supply (M3) grew by around 16.2 percent as against 14.6  percent a year ago. The growth in aggregate deposits of the scheduled commercial banks at 15.4  percent in FY01 percent was lower than that of 19.3 percent in the previous  year, while the growth in credit by SCBs slowed down to 15.6 percent in FY01  against 23 percent a year ago. The industrial slowdown also affected the earnings of listed banks. The net  profits of 20 listed banks dropped by 34.43 percent in the quarter ended  March 2001. Net profits grew by 40.75 percent in the first quarter of 2000-2001, but dropped to 4.56 percent in the fourth quarter of 20002001. On the Capital Adequacy Ratio (CAR) front while most banks managed to  fulfill the norms, it was a feat achieved with its own share of difficulties. The  CAR, which at present is 9.0 percent, is likely to be hiked to 12.0 percent by  the year 2004 based on the Basle Committee recommendations. Any bank  that wishes to grow its assets needs to also shore up its capital at the same  time so that its capital as a percentage of the risk-weighted assets is  maintained at the stipulated rate. While the IPO route was a much-fancied one  in the early ‘90s, the current scenario doesnt look too attractive for bank  majors. Consequently, banks have been forced to explore other avenues to shore up  their capital base. While some are wooing foreign partners to add to the  capital others are employing the M A route. Many are also going in for right  issues at prices considerably lower than the market prices to woo the  investors. Interest Rate Scene The two years, post the East Asian crises in 1997-98 saw a climb in the global  interest rates. It was only in the later half of FY01 that the US Fed cut interest  rates. India has however remained more or less insulated. The past 2 years in  our country was characterized by a mounting intention of the Reserve Bank  Of India (RBI) to steadily reduce interest rates resulting in a narrowing  differential between global and domestic rates. The RBI has been affecting bank rate and CRR cuts at regular intervals to  improve liquidity and reduce rates. The only exception was in July 2000 when  the RBI increased the Cash Reserve Ratio (CRR) to stem the fall in the rupee  against the dollar. The steady fall in the interest rates resulted in squeezed  margins for the banks in general. Governmental Policy: After the first phase and second phase of financial reforms, in the 1980s  commercial banks began to function in a highly regulated environment, with  administered interest rate structure, quantitative restrictions on credit flows,  high reserve requirements and reservation of a significant proportion of  lendable resources for the priority and the government sectors. The  restrictive regulatory norms led to the credit rationing for the private sector  and the interest rate controls led to the unproductive use of credit and low  levels of investment and growth. The resultant ‘financial repression led to  decline in productivity and efficiency and erosion of profitability of the  banking sector in general. This was when the need to develop a sound commercial banking system was  felt. This was worked out mainly with the help of the recommendations of the  Committee on the Financial System (Chairman: Shri M. Narasimham), 1991. The resultant financial sector reforms called for interest rate flexibility for  banks, reduction in reserve requirements, and a number of structural  measures. Interest rates have thus been steadily deregulated in the past few  years with banks being free to fix their Prime Lending Rates(PLRs) and  deposit rates for most banking products. Credit market reforms included  introduction of new instruments of credit, changes in the credit delivery  system and integration of functional roles of diverse players, such as, banks,  financial institutions and non-banking financial companies (Nbfcs). Domestic Private Sector Banks were allowed to be set up, PSBs were allowed  to access the markets to shore up their Cars. Implications Of Some Recent Policy Measures: The allowing of PSBs to shed manpower and dilution of equity are moves that  will lend greater autonomy to the industry. In order to lend more depth to the  capital markets the RBI had in November 2000 also changed the capital  market exposure norms from 5 percent of banks incremental deposits of the  previous year to 5 percent of the banks total domestic credit in the previous  year. But this move did not have the desired effect, as in, while most banks  kept away almost completely from the capital markets, a few private sector  banks went overboard and exceeded limits and indulged in dubious stock  market deals. The chances of seeing banks making a comeback to the stock  markets are therefore quite unlikely in the near future. The move to increase  Foreign Direct Investment FDI limits to 49 percent from 20 percent during the  first quarter of this fiscal came as a welcome announcement to foreign  players wanting to get a foot hold in the Indian Markets by in vesting in willing  Indian partners who are starved of net worth to meet CAR norms. Ceiling for  FII investment in companies was also increased from 24.0 percent to 49.0  percent and have been included within the ambit of FDI investment. IDBI bank: all about The economic development of any country depends on the extent to which its  financial system efficiently and effectively mobilizes and allocates resources. There are a number of banks and financial institutions that perform this  function; one of them is the development bank. Development banks are  unique financial institutions that perform the special task of fostering the  development of a nation, generally not undertaken by other banks. Development banks are financial agencies that provide medium-and long-term financial assistance and act as catalytic agents in promoting balanced  development of the country. They are engaged in promotion and development  of industry, agriculture, and other key sectors. They also provide  development services that can aid in the accelerated growth of an economy. The objectives of development banks are: To serve as an agent of development in various sectors, viz. industry,  agriculture, and international trade To accelerate the growth of the economy To allocate resources to high priority areas To foster rapid industrialization, particularly in the private sector,  so as to provide employment opportunities as well as higher production   To develop entrepreneurial skills To promote the development of rural areas To finance housing, small scale industries, infrastructure, and social  utilities. 2.2 Introduction to the Bank IDBI the tenth largest development bank in the world has promoted world class institutions in India. A few of such institution built by IDBI are the National Stock Holding Corp. (NSE), the National Securities Depository Services Ltd.( NSDL ) Stock Holding Corp. of India (SHICL) etc. IDBI is a strategic investor in a plethora of institutions, which have revolutionized the Indian Financial Markets. IDBI promoted IDBI BANK to mark the formal foray of the Idbi group into commercial Banking. Idbi Bank, which began with an equity capital base of Rs. 1000 million (Rs.800 million contribute by IDBI and Rs. 200 millions by SIDBI), commenced its first branch at Indore in November 1995. The birth of Idbi bank took place after RBI issued guidelines for entry of new private sector banks in January 93. Subsequently, IDBI as promoters sought permission to establish a commercial bank and retained KPMG a management consultant of international repute to prepare the principle approval to establish Idbi bank on February 11th 1994 thereafter the bank was incorporated at Gwalior under companies act on 15th September 1994 with its registered office at Indore. The Certificate of Commencement of Business was received on 2nd December 1994. Banks registered office is in Indore and Head Office in Mumbai. One of the reason for the growth of Indian banks like ICICI and IDBI is that they have been allowed freedom to open any no. of branches in a particular city or suburb. They have also been given the freedom to open ATMs unlike in both cases the foreign banks who have been restricted in both of these areas. 2.3 Management Organisation IDBI Bank is a Board-managed organisation. The responsibility for the day-to-day  management of operations of the Bank is vested with the Chairman Managing  Director and two Deputy Managing Directors, who draw upon the support and  expertise of a cross- disciplinary Top Management Team. As on March 31, 2008, IDBI  Bank had a combined employee base of 8989, including professionals from the fields  of accountancy, management, engineering, law, computer technology, banking and  economics. Mr. Yogesh Agarwal, Chairman Managing Director Mr. Jitender Balakrishnan, Mr. O.V. Bundellu, (Deputy Managing Director) (Deputy Managing Director) OTHER BOARD OF DIRECTORS 2.4 IDBI Bank business chart 2.5 IDBI bank organizational chart 2.6 Products Services Free services Following services are provided to every type of A/C holder in general- ATMs : Besides cash withdrawals, some of the important things that you can do through the International Debit cum ATM card are : Balance Enquiry Statement Request Cheque-book Request Mini statements Cheque and Cash Deposits International usage Make purchases at 51,000 merchant establishments in India and over 10 million worldwide. Fabulous discounts and great deals at various establishments Internet Banking: Internet Banking gives you the power to access your bank account from your Personal Computer. Some of the important features of Internet Banking are : Account Balance Inquiry Transaction tracking and history Cheque status inquiry Funds transfer facilities to Own-account or third-parties Cheque book Requests Stop payment Requests FD renewal Requests Phone Banking: Just pick up your phone and access your account. The following features are available through Phone Banking : Available round the clock 24*7*365 Current Balance Inquiry Last 5 transactions inquiry Statement by fax fax-back, fax to another number, fax to registerednumber, Statement by mail Cheque status enquiry Cheque book request Balance as of a particular date Mobile Banking: The unique feature is that this facility is available across all mobile service providers. Balance enquiry Details of Last three transactions Cheque payment status Cheque book request Statement request Other services Sunday Banking Some of our branches are also open on Sundays that gives you an opportunity to complete all your banking requirements at your convenience. Locker Our branches provide lockers facility at nominal charges Who can open Account? Resident Individuals, Minors, Hindu Undivided Family (HUF), Trusts, Associations, Clubs, Societies, Foreign National residing in India can open a/c. Documents required for Account Opening: Account opening form Latest passport size photograph Self cheque or cash deposit Copy of passport In the absence of passport copy, copy of one document each from List A and List B is required: List A Voters ID card * Defense services Id/ Government ID Driving License * PAN card Photo credit card List B Latest bank account/credit card statement Latest electricity/telephone/mobile phone bill Latest copy of LIC policy or insurance premium receipt Latest copy of NSC Letter from employer certifying current mailing address Latest house lease agreement SuperSavings Account An assortment of benefits, earnings and convenience. Be it happiness in life or more time for yourself, you have always desired more  of it. So why settle for less with your savings account? The SuperSavings Account is a complete financial package that provides you  with easy access to your money and complete banking convenience too. It  offers you a whole range of options for optimal management of your money. Which means, with SuperSavings Account you not only save your money but  also make it grow. So apart from the basic benefits of a savings account, we offer you options for  faster transfer of funds, options to pay your bills or tax online and options to  grow money at attractive interest rates in the savings account. All these  features are offered for a minimum balance of Rs 5,000. Please click on the  links given below to find out more about each of these features. The SuperSavings Account is a complete financial package that provides you  with easy access to your money and complete banking convenience too. It  offers you a whole range of options for optimal management of your money. Which means, with SuperSavings Account you not only save your money but  also make it grow. Roaming Current Account A Current account for every business No two businesses are the same, which is why IDBI Bank offersfive Roaming Current Accounts Gold to suit your business needs. Based on the balance you choose to maintain in the account,  you can then choose your specific Roaming Current Account accordingly. IDBI Bank Current Accounts not only gives you the flexibility of banking  anytime, anywhere, but also allows you to save more money while doing  business across the country. Roaming Current Account from IDBI Bank comes packed with a host of  services and facilities that makes your banking convenient and hassle-free. With services such as multi-city and multi-branch banking, electronic funds   transfers, national clearing in selected cities, 247 cash withdrawals from  ATMs, Internet Banking, Phone Banking and SMS Banking, you are assured  of faster remittances and collection of funds at competitive rates. Whats  more, extended IDBI Banking hours and Sunday Banking, all this to simplify  banking for you! Features:- Make payments to your vendors in different cities without any costs. Receive payments form your customers without any charge deducted from the  amount Do all your banking right from where you are or wherever you travel Most importantly, maintain better relations with your vendors and customers. All this, only with the IDBI Bank RoamingCurrent Account. You can open a Current Account (Basic RoamingCurrent Account)with only  Rs 10,000. Keep in mind, you will have to maintain an average quarterly  balance of Rs 10,000. But this is nothing compared to a host of services and  facilities that will make your current account work more effectively and  efficiently. Open Current Accounts Following can open current A/c: Sole Proprietorship Firm Partnership firm Private and Public Limited Companies Hindu Undivided Family Trusts Societies, Clubs Associations Documents required for account opening: Sole Proprietorship Account opening form Signed declaration in the Account Opening form Passport Copy or Self-cheque along with a copy of (any one) >> Voter ID card >> Defence Id/Govt ID >> Driving License >> PAN card >> Photo credit card In addition the following forms are required Proof of existence of sole proprietorship firm (any one) >> Electricity/Telephone bill for the sole proprietorship firm >> Shop and Establishment certificate >> Proof of PAN /GIR No or Form 60 (only for cash deposits) >> Latest passport sized photograph of the sole proprietor If the address mentioned in any of the above documents is different from that stated in the account opening form, kindly submit any one of the following to confirm the present address >> Ration card >> gas connection receipt >> latest telephone bill >> latest electricity bill Partnership firm Account opening form Signed declaration in the Account Opening form Passport copies of all partners or Self-cheque along with a copy of (any one) >> Voter ID card >> Defence Id/Govt ID >> Driving License >> PAN card >> Photo credit card In addition the following forms are required Proof of existence of partnership firm (any one) >> Shop and Establishment certificate >> Copy of registration certificate >> Copy of partnership deed >> Letter of consent signed by all partners (as per banks format) Private Limited and Public Limited Companies Account opening form Copy of certificate of incorporation Names and latest passport sized photographs of the authorized signatories Certified true copy of memorandum and articles of association Certified true copy of commencement of business PAN /GIR No details or Form 60 Names, addresses of directors of the companies Certified true copy of board resolution Hindu Undivided Family Account opening form Signed declaration by Karta and Co-parcenors in the Account opening Form Names and signatures addresses of Karta and co-parcenors Names, signatures and latest passport sized photographs of authorized signatories PAN /GIR No details or Form 60 Trusts Account opening form Copy of Trust Deed Copy of the resolution of the Trustees Copy of registration certificate Names and latest passport size photographs of the authorized signatories Names, addresses of the trustees Clubs/Societies and Associations Names and signatures and latest passport sized photographs of authorized signatories Copy of rules and by-laws Copy of the resolution of members for account operation Copy of registration certificate Account Opening Form Idbi banks Business Special Current account gives a host of free services and facilities that ensure optimal utilization of funds, higher liquidity and cost savings. At he same time you dont have to keep a higher minimum balance. You need to keep an Average quarterly balance of Rs. 50,000 only to avail the free services Business Premium Bronze (Rs. 1 lac-AQB) Type of Accounts: Bronze Average Quarterly Balance (AQB):1lac Free funds transfers (per month) Cheque payable locally (in over 65 idbi bank locations) :1.5 cr Demand Draft per day (on over 65 idbi bank locations) :10 lack Demand Draft (on over 300 non-idbi bank locations) :chargeable Electronic Funds Transfers :1.5 cr Pay Orders : un limited Free cheque collection (per month) Outstation cheque collection (on idbi bank locations) :50 lac Daily cheque pick-up from your establishment* :Yes Free Inter-branch banking Any branch cash withdrawal (per day) : 1lac Any branch cash deposit (per day) : Rs 20,000 Total limit for Free transactions (per day) : 6.86 cr Cost saving to the customer per year : 16 lac Also available Basic Current Account (AQB of Rs 10,000). you get monthly statement of account, certificate of balance, seep-in from FD and Net, Phone and Mobile banking facilities all FREE Business Premium Silver (Rs. 3 lacks -AQB) Types of Accounts: Silver Ø Average Quarterly Balance (AQB):3lac Banking, Customer Satisfaction IDBI Bank Awareness Banking, Customer Satisfaction IDBI Bank Awareness CHAPTER- I 1.1 Title of the study 1.2 Scope of the study 1.3 Objective of the study 1.4 Significance of study 1.5 Researcher methodology 1.1 Title of the study:- â€Å"A survey on banking products, customer satisfaction awareness of IDBI Bank† 1.2 Scope Importance of the Study Each and every project study along with its certain objectives also have scope for  future. And this scope in future gives to new researches a new need to research a  new project with a new scope. Scope of the study not only consist one or two future  business plan but sometime it also gives idea about a new business which becomes  much more profitable for the researches then the older one. Scope of the study could give the projected scenario for a new observed in my project  are not exactly having all the features of the scope which I described above but also  not lacking all the features. Research study could give an idea of network expansion for capturing more  market and customer with better services and lower cost, with out compromising  with quality. In future customer requirements could be added with the product and services for  getting an edge over competitors. Consumer behavior could also be used for the purpose of launching a new  product with extra benefits which are required by customers for their account  (saving or current ) and/or for their investments. Factors which are responsible for the performance for bank can also be used for  the modification of the strategy and product for being more profitable. 1.3 Objectives of the study:- To know the customer needs and expectations. To find out the factors which customer take into consideration in opening a account To know that up to what extent a customer is satisfied with the bank To know the customer complaints and their redressal 1.4 Significance of the study:- Every research is conducted to fulfill certain objectives and these objective in turn fulfill some purpose and are of significance for one or more then one party these research is significant for:- To the Researcher:- This study provides the researcher a practical insight of various activities and function of the bank The researcher will also be able to develop on in depth knowledge of banking sector The study is also required for the partial fulfillment of the requirement for the degree of MBA as per the curriculum To the Bank:- The study would help IDBI Bank to know the customers attitude (about awareness and satisfaction level) towards its various products. 1.5 Research Methodology:- 1) Type of Research Research is descriptive in nature 2) Universe Customer of IDBI Bank in New Delhi 3) Sampling Unit Existing customer of IDBI Bank 4) Sampling Technique Convenience method of sampling was used 5) Sample Size 200 respondents 6) Data Type Primary secondary data PRIMARY DATA The Primary data are those which are collected afresh and for the first time, and thus  happen to be original in character. SECONDARY DATA The secondary data are those which have already been collected by someone else  and which have already been passed through the statistical process. CHAPTER II 2.1 Industry Introduction 2.2 Introduction to IDBI bank: All about 2.3 Management Organization 2.4 IDBI bank business chart 2.5 IDBI bank organizational chart 2.6 Product Services 2.7 Subsidiaries of IDBI 2.8 Review of literature 2.1 Industry introduction The Indian Banking industry, which is governed by the Banking Regulation  Act of India, 1949 can be broadly classified into two major categories, non-scheduled banks and scheduled banks. Scheduled banks comprise  commercial banks and the co-operative banks. In terms of ownership,  commercial banks can be further grouped into nationalized banks, the State  Bank of India and its group banks, regional rural banks and private sector  banks (the old/ new domestic and foreign). These banks have over 67,000  branches spread across the country in every city and villages of all nook and  corners of the land. The first phase of financial reforms resulted in the nationalization of 14 major  banks in 1969 and resulted in a shift from Class banking to Mass banking. This in turn resulted in a significant growth in the geographical coverage of  banks. Every bank had to earmark a minimum percentage of their loan  portfolio to sectors identified as â€Å"priority sectors†. The manufacturing sector  also grew during the 1970s in protected environs and the banking sector was  a critical source. The next wave of reforms saw the nationalization of 6 more  commercial banks in 1980. Since then the number of scheduled commercial  banks increased four-fold and the foreign banks (numbering42), regional rural  banks and other scheduled commercial banks accounted for 5.7 percent, 3.9  percent and 12.2 percent respectively in deposits and 8.41 percent, 3.14  percent and number of bank branches increased eight-fold. And that was not  the limit of growth. After the second phase of financial sector reforms and liberalization of the  sector in the early nineties, the Public Sector Banks (PSB) s found it  extremely difficult to compete with the new private sector banks and the  foreign banks. The new private sector banks first made their appearance after  the guidelines permitting them were issued in January 1993. Eight new  private sector banks are presently in operation. These banks due to their late  start have access to state-of-the-art technology, which in turn helps them to  save on manpower costs. During the year 2000, the State Bank Of India (SBI) and its 7 associates  accounted for a 25 percent share in deposits and 28.1 percent share in credit. The 20 nationalized banks accounted for 53.2 percent of the deposits and 47.5  percent of credit during the same period. Current Scenario: The industry is currently in a transition phase. On the one hand, the PSBs,  which are the mainstay of the Indian Banking system are in the process of  shedding their flab in terms of excessive manpower, excessive non  Performing Assets (Npas) and excessive governmental equity, while on the  other hand the private sector banks are consolidating themselves through  mergers and acquisitions.   PSBs, which currently account for more than 78 percent of total banking  industry assets are saddled with NPAs (a mind-boggling Rs 830 billion in  2000), falling revenues from traditional sources, lack of modern technology  and a massive workforce while the new private sector banks are forging  ahead and rewriting the traditional banking business model by way of their  sheer innovation and service. The PSBs are of course currently working out  challenging strategies even as 20 percent of their massive employee strength  has dwindled in the wake of the successful Voluntary Retirement Schemes  (VRS) schemes. The private players however cannot match the PSBs great reach, great size  and access to low cost deposits. Therefore one of the means for them to  combat the PSBs has been through the merger and acquisition (M A) route. Over the last two years, the industry has witnessed several such instances. For instance, HDFC Banks merger with Times Bank Icici Banks acquisition  of ITC Classic, Anagram Finance and Bank of Madurai. Centurion Bank,  Indusind Bank, Bank of Punjab, Vysya Bank are said to be on the lookout. The  UTI bank- Global Trust Bank merger however opened a pandoras box and  brought about the realization that all was not well in the functioning of many  of the private sector banks. Private sector Banks have pioneered internet banking, phone banking,  anywhere banking, mobile banking, debit cards, Automatic Teller Machines  (ATMs) and combined various other services and integrated them into the  mainstream banking arena, while the PSBs are still grappling with disgruntled  employees in the aftermath of successful VRS schemes. Also, following  Indias commitment to the W To agreement in respect of the services sector,  foreign banks, including both new and the existing ones, have been permitted  to open up to 12 branches a year with effect from 1998-99 as against the  earlier stipulation of 8 branches. Tasks of government diluting their equity from 51 percent to 33 percent in  November 2000 has also opened up a new opportunity for the takeover of  even the PSBs. The FDI rules being more rationalized in Q1FY02 may also  pave the way for foreign banks taking the M A route to acquire willing Indian  partners. Meanwhile the economic and corporate sector slowdown has led to an  increasing number of banks focusing on the retail segment. Many of them are  also entering the new vistas of Insurance. Banks with their phenomenal reach  and a regular interface with the retail investor are the best placed to enter into  the insurance sector. Banks in India have been allowed to provide fee-based  insurance services without risk participation, invest in an insurance company  for providing infrastructure and services support and set up of a separate  joint- venture insurance company with risk participation. Aggregate Performance of the Banking Industry Aggregate deposits of scheduled commercial banks increased at a  compounded annual average growth rate (Cagr) of 17.8 percent during 1969-99, while bank credit expanded at a Cagr of 16.3 percent per annum. Banks  investments in government and other approved securities recorded a Cagr of  18.8 percent per annum during the same period. In FY01 the economic slowdown resulted in a Gross Domestic Product (GDP)  growth of only 6.0 percent as against the previous years 6.4 percent. The WPI  Index (a measure of inflation) increased by 7.1 percent as against 3.3 percent  in FY00. Similarly, money supply (M3) grew by around 16.2 percent as against 14.6  percent a year ago. The growth in aggregate deposits of the scheduled commercial banks at 15.4  percent in FY01 percent was lower than that of 19.3 percent in the previous  year, while the growth in credit by SCBs slowed down to 15.6 percent in FY01  against 23 percent a year ago. The industrial slowdown also affected the earnings of listed banks. The net  profits of 20 listed banks dropped by 34.43 percent in the quarter ended  March 2001. Net profits grew by 40.75 percent in the first quarter of 2000-2001, but dropped to 4.56 percent in the fourth quarter of 20002001. On the Capital Adequacy Ratio (CAR) front while most banks managed to  fulfill the norms, it was a feat achieved with its own share of difficulties. The  CAR, which at present is 9.0 percent, is likely to be hiked to 12.0 percent by  the year 2004 based on the Basle Committee recommendations. Any bank  that wishes to grow its assets needs to also shore up its capital at the same  time so that its capital as a percentage of the risk-weighted assets is  maintained at the stipulated rate. While the IPO route was a much-fancied one  in the early ‘90s, the current scenario doesnt look too attractive for bank  majors. Consequently, banks have been forced to explore other avenues to shore up  their capital base. While some are wooing foreign partners to add to the  capital others are employing the M A route. Many are also going in for right  issues at prices considerably lower than the market prices to woo the  investors. Interest Rate Scene The two years, post the East Asian crises in 1997-98 saw a climb in the global  interest rates. It was only in the later half of FY01 that the US Fed cut interest  rates. India has however remained more or less insulated. The past 2 years in  our country was characterized by a mounting intention of the Reserve Bank  Of India (RBI) to steadily reduce interest rates resulting in a narrowing  differential between global and domestic rates. The RBI has been affecting bank rate and CRR cuts at regular intervals to  improve liquidity and reduce rates. The only exception was in July 2000 when  the RBI increased the Cash Reserve Ratio (CRR) to stem the fall in the rupee  against the dollar. The steady fall in the interest rates resulted in squeezed  margins for the banks in general. Governmental Policy: After the first phase and second phase of financial reforms, in the 1980s  commercial banks began to function in a highly regulated environment, with  administered interest rate structure, quantitative restrictions on credit flows,  high reserve requirements and reservation of a significant proportion of  lendable resources for the priority and the government sectors. The  restrictive regulatory norms led to the credit rationing for the private sector  and the interest rate controls led to the unproductive use of credit and low  levels of investment and growth. The resultant ‘financial repression led to  decline in productivity and efficiency and erosion of profitability of the  banking sector in general. This was when the need to develop a sound commercial banking system was  felt. This was worked out mainly with the help of the recommendations of the  Committee on the Financial System (Chairman: Shri M. Narasimham), 1991. The resultant financial sector reforms called for interest rate flexibility for  banks, reduction in reserve requirements, and a number of structural  measures. Interest rates have thus been steadily deregulated in the past few  years with banks being free to fix their Prime Lending Rates(PLRs) and  deposit rates for most banking products. Credit market reforms included  introduction of new instruments of credit, changes in the credit delivery  system and integration of functional roles of diverse players, such as, banks,  financial institutions and non-banking financial companies (Nbfcs). Domestic Private Sector Banks were allowed to be set up, PSBs were allowed  to access the markets to shore up their Cars. Implications Of Some Recent Policy Measures: The allowing of PSBs to shed manpower and dilution of equity are moves that  will lend greater autonomy to the industry. In order to lend more depth to the  capital markets the RBI had in November 2000 also changed the capital  market exposure norms from 5 percent of banks incremental deposits of the  previous year to 5 percent of the banks total domestic credit in the previous  year. But this move did not have the desired effect, as in, while most banks  kept away almost completely from the capital markets, a few private sector  banks went overboard and exceeded limits and indulged in dubious stock  market deals. The chances of seeing banks making a comeback to the stock  markets are therefore quite unlikely in the near future. The move to increase  Foreign Direct Investment FDI limits to 49 percent from 20 percent during the  first quarter of this fiscal came as a welcome announcement to foreign  players wanting to get a foot hold in the Indian Markets by in vesting in willing  Indian partners who are starved of net worth to meet CAR norms. Ceiling for  FII investment in companies was also increased from 24.0 percent to 49.0  percent and have been included within the ambit of FDI investment. IDBI bank: all about The economic development of any country depends on the extent to which its  financial system efficiently and effectively mobilizes and allocates resources. There are a number of banks and financial institutions that perform this  function; one of them is the development bank. Development banks are  unique financial institutions that perform the special task of fostering the  development of a nation, generally not undertaken by other banks. Development banks are financial agencies that provide medium-and long-term financial assistance and act as catalytic agents in promoting balanced  development of the country. They are engaged in promotion and development  of industry, agriculture, and other key sectors. They also provide  development services that can aid in the accelerated growth of an economy. The objectives of development banks are: To serve as an agent of development in various sectors, viz. industry,  agriculture, and international trade To accelerate the growth of the economy To allocate resources to high priority areas To foster rapid industrialization, particularly in the private sector,  so as to provide employment opportunities as well as higher production   To develop entrepreneurial skills To promote the development of rural areas To finance housing, small scale industries, infrastructure, and social  utilities. 2.2 Introduction to the Bank IDBI the tenth largest development bank in the world has promoted world class institutions in India. A few of such institution built by IDBI are the National Stock Holding Corp. (NSE), the National Securities Depository Services Ltd.( NSDL ) Stock Holding Corp. of India (SHICL) etc. IDBI is a strategic investor in a plethora of institutions, which have revolutionized the Indian Financial Markets. IDBI promoted IDBI BANK to mark the formal foray of the Idbi group into commercial Banking. Idbi Bank, which began with an equity capital base of Rs. 1000 million (Rs.800 million contribute by IDBI and Rs. 200 millions by SIDBI), commenced its first branch at Indore in November 1995. The birth of Idbi bank took place after RBI issued guidelines for entry of new private sector banks in January 93. Subsequently, IDBI as promoters sought permission to establish a commercial bank and retained KPMG a management consultant of international repute to prepare the principle approval to establish Idbi bank on February 11th 1994 thereafter the bank was incorporated at Gwalior under companies act on 15th September 1994 with its registered office at Indore. The Certificate of Commencement of Business was received on 2nd December 1994. Banks registered office is in Indore and Head Office in Mumbai. One of the reason for the growth of Indian banks like ICICI and IDBI is that they have been allowed freedom to open any no. of branches in a particular city or suburb. They have also been given the freedom to open ATMs unlike in both cases the foreign banks who have been restricted in both of these areas. 2.3 Management Organisation IDBI Bank is a Board-managed organisation. The responsibility for the day-to-day  management of operations of the Bank is vested with the Chairman Managing  Director and two Deputy Managing Directors, who draw upon the support and  expertise of a cross- disciplinary Top Management Team. As on March 31, 2008, IDBI  Bank had a combined employee base of 8989, including professionals from the fields  of accountancy, management, engineering, law, computer technology, banking and  economics. Mr. Yogesh Agarwal, Chairman Managing Director Mr. Jitender Balakrishnan, Mr. O.V. Bundellu, (Deputy Managing Director) (Deputy Managing Director) OTHER BOARD OF DIRECTORS 2.4 IDBI Bank business chart 2.5 IDBI bank organizational chart 2.6 Products Services Free services Following services are provided to every type of A/C holder in general- ATMs : Besides cash withdrawals, some of the important things that you can do through the International Debit cum ATM card are : Balance Enquiry Statement Request Cheque-book Request Mini statements Cheque and Cash Deposits International usage Make purchases at 51,000 merchant establishments in India and over 10 million worldwide. Fabulous discounts and great deals at various establishments Internet Banking: Internet Banking gives you the power to access your bank account from your Personal Computer. Some of the important features of Internet Banking are : Account Balance Inquiry Transaction tracking and history Cheque status inquiry Funds transfer facilities to Own-account or third-parties Cheque book Requests Stop payment Requests FD renewal Requests Phone Banking: Just pick up your phone and access your account. The following features are available through Phone Banking : Available round the clock 24*7*365 Current Balance Inquiry Last 5 transactions inquiry Statement by fax fax-back, fax to another number, fax to registerednumber, Statement by mail Cheque status enquiry Cheque book request Balance as of a particular date Mobile Banking: The unique feature is that this facility is available across all mobile service providers. Balance enquiry Details of Last three transactions Cheque payment status Cheque book request Statement request Other services Sunday Banking Some of our branches are also open on Sundays that gives you an opportunity to complete all your banking requirements at your convenience. Locker Our branches provide lockers facility at nominal charges Who can open Account? Resident Individuals, Minors, Hindu Undivided Family (HUF), Trusts, Associations, Clubs, Societies, Foreign National residing in India can open a/c. Documents required for Account Opening: Account opening form Latest passport size photograph Self cheque or cash deposit Copy of passport In the absence of passport copy, copy of one document each from List A and List B is required: List A Voters ID card * Defense services Id/ Government ID Driving License * PAN card Photo credit card List B Latest bank account/credit card statement Latest electricity/telephone/mobile phone bill Latest copy of LIC policy or insurance premium receipt Latest copy of NSC Letter from employer certifying current mailing address Latest house lease agreement SuperSavings Account An assortment of benefits, earnings and convenience. Be it happiness in life or more time for yourself, you have always desired more  of it. So why settle for less with your savings account? The SuperSavings Account is a complete financial package that provides you  with easy access to your money and complete banking convenience too. It  offers you a whole range of options for optimal management of your money. Which means, with SuperSavings Account you not only save your money but  also make it grow. So apart from the basic benefits of a savings account, we offer you options for  faster transfer of funds, options to pay your bills or tax online and options to  grow money at attractive interest rates in the savings account. All these  features are offered for a minimum balance of Rs 5,000. Please click on the  links given below to find out more about each of these features. The SuperSavings Account is a complete financial package that provides you  with easy access to your money and complete banking convenience too. It  offers you a whole range of options for optimal management of your money. Which means, with SuperSavings Account you not only save your money but  also make it grow. Roaming Current Account A Current account for every business No two businesses are the same, which is why IDBI Bank offersfive Roaming Current Accounts Gold to suit your business needs. Based on the balance you choose to maintain in the account,  you can then choose your specific Roaming Current Account accordingly. IDBI Bank Current Accounts not only gives you the flexibility of banking  anytime, anywhere, but also allows you to save more money while doing  business across the country. Roaming Current Account from IDBI Bank comes packed with a host of  services and facilities that makes your banking convenient and hassle-free. With services such as multi-city and multi-branch banking, electronic funds   transfers, national clearing in selected cities, 247 cash withdrawals from  ATMs, Internet Banking, Phone Banking and SMS Banking, you are assured  of faster remittances and collection of funds at competitive rates. Whats  more, extended IDBI Banking hours and Sunday Banking, all this to simplify  banking for you! Features:- Make payments to your vendors in different cities without any costs. Receive payments form your customers without any charge deducted from the  amount Do all your banking right from where you are or wherever you travel Most importantly, maintain better relations with your vendors and customers. All this, only with the IDBI Bank RoamingCurrent Account. You can open a Current Account (Basic RoamingCurrent Account)with only  Rs 10,000. Keep in mind, you will have to maintain an average quarterly  balance of Rs 10,000. But this is nothing compared to a host of services and  facilities that will make your current account work more effectively and  efficiently. Open Current Accounts Following can open current A/c: Sole Proprietorship Firm Partnership firm Private and Public Limited Companies Hindu Undivided Family Trusts Societies, Clubs Associations Documents required for account opening: Sole Proprietorship Account opening form Signed declaration in the Account Opening form Passport Copy or Self-cheque along with a copy of (any one) >> Voter ID card >> Defence Id/Govt ID >> Driving License >> PAN card >> Photo credit card In addition the following forms are required Proof of existence of sole proprietorship firm (any one) >> Electricity/Telephone bill for the sole proprietorship firm >> Shop and Establishment certificate >> Proof of PAN /GIR No or Form 60 (only for cash deposits) >> Latest passport sized photograph of the sole proprietor If the address mentioned in any of the above documents is different from that stated in the account opening form, kindly submit any one of the following to confirm the present address >> Ration card >> gas connection receipt >> latest telephone bill >> latest electricity bill Partnership firm Account opening form Signed declaration in the Account Opening form Passport copies of all partners or Self-cheque along with a copy of (any one) >> Voter ID card >> Defence Id/Govt ID >> Driving License >> PAN card >> Photo credit card In addition the following forms are required Proof of existence of partnership firm (any one) >> Shop and Establishment certificate >> Copy of registration certificate >> Copy of partnership deed >> Letter of consent signed by all partners (as per banks format) Private Limited and Public Limited Companies Account opening form Copy of certificate of incorporation Names and latest passport sized photographs of the authorized signatories Certified true copy of memorandum and articles of association Certified true copy of commencement of business PAN /GIR No details or Form 60 Names, addresses of directors of the companies Certified true copy of board resolution Hindu Undivided Family Account opening form Signed declaration by Karta and Co-parcenors in the Account opening Form Names and signatures addresses of Karta and co-parcenors Names, signatures and latest passport sized photographs of authorized signatories PAN /GIR No details or Form 60 Trusts Account opening form Copy of Trust Deed Copy of the resolution of the Trustees Copy of registration certificate Names and latest passport size photographs of the authorized signatories Names, addresses of the trustees Clubs/Societies and Associations Names and signatures and latest passport sized photographs of authorized signatories Copy of rules and by-laws Copy of the resolution of members for account operation Copy of registration certificate Account Opening Form Idbi banks Business Special Current account gives a host of free services and facilities that ensure optimal utilization of funds, higher liquidity and cost savings. At he same time you dont have to keep a higher minimum balance. You need to keep an Average quarterly balance of Rs. 50,000 only to avail the free services Business Premium Bronze (Rs. 1 lac-AQB) Type of Accounts: Bronze Average Quarterly Balance (AQB):1lac Free funds transfers (per month) Cheque payable locally (in over 65 idbi bank locations) :1.5 cr Demand Draft per day (on over 65 idbi bank locations) :10 lack Demand Draft (on over 300 non-idbi bank locations) :chargeable Electronic Funds Transfers :1.5 cr Pay Orders : un limited Free cheque collection (per month) Outstation cheque collection (on idbi bank locations) :50 lac Daily cheque pick-up from your establishment* :Yes Free Inter-branch banking Any branch cash withdrawal (per day) : 1lac Any branch cash deposit (per day) : Rs 20,000 Total limit for Free transactions (per day) : 6.86 cr Cost saving to the customer per year : 16 lac Also available Basic Current Account (AQB of Rs 10,000). you get monthly statement of account, certificate of balance, seep-in from FD and Net, Phone and Mobile banking facilities all FREE Business Premium Silver (Rs. 3 lacks -AQB) Types of Accounts: Silver Ø Average Quarterly Balance (AQB):3lac

awakening :: essays research papers

The Awakening - Morality or Self-sacrifice? The Awakening, by Kate Chopin, takes one back to an earlier time while still provoking the questions of morality and self-sacrifice that exist today. Edna Pontellier, the protagonist of the story, places herself in the position to be the individual going against society from the beginning of the novel. In the beginning chapters of the novel, Edna’s characteristics and actions worthy of rebuke lead to a breakdown of her moral integrity. These behaviors eventually lead her to become a woman that not only the Creole culture rejects, but civilization in general can no longer accept. Edna’s plight throughout the novel perfects her status as that individual going against society. Her reserve toward her children places her in abnormal standing. Her behavior, not necessarily of neglect but rather of apathetic involvement in their lives, contrasted the ideal motherly figure of the age. Madame Ratignolle, Edna’s friend, maintains quite a different air about her. She possesses the dependent attitude which the Creole society seems not only to encourage, but in some aspects requires. Although Edna loves her children dearly, and in spells needs them with fervor, she was more accustomed to leaving them with the nanny or a friend rather than looking after them herself. She would give anything for her children, but she would not give of herself. In an age of expected domestic dependence, Edna’s rejection of her obligations as a mother and a wife go against the tacit rules of the world in which she lives. Although Edna was outwardly performing the duties of her life, her heart was busy thinking other thoughts. Throughout the course of the summer, she falls in love with Robert Lebrun. Yes, he previously established he â€Å"third wheel† status in the families at Grande Isle, but this was another aspect of Edna’s life that pits her against her surroundings. As Robert falls in love with Edna, and she with him, her independent longing is inflamed, and her passions begin to overpower her self-control. Edna’s husband, Leonce, is more in love with the idea of a wife for himself and a mother for his children rather than Edna herself. This makes it easier for Edna to let go. When Robert suddenly leaves for Mexico on a business excursion, Edna becomes despondent and unfocused. Maybe through the severe longing for him and grief at his absence she becomes intensely connected to herself.