Actions Based on Intentions free essay sample

We as a whole settle on choices whether insignificant or profound. Life goes up against us with circumstances where we need to pick between elective courses. Choices are significant on the grounds that the choices we make either make or blemish us. For one, we are a result of our choice as our lives can be clarified by the choices we decided to follow before. Aside from this, we experience a daily reality such that as we continued looking for endurance, we relate with individuals. These individuals are in this way influenced by the choices we picked so we should try to settle on the correct choices. Depending, in transit we see it, there are two different ways of assessing our activities. It is it is possible that we consider them to be correct in light of the fact that they have great results or they are inherently acceptable. In this article, I will consider an ethical choice made by an entertainer in a film I observed as of late. In Prison Break, Michael Scofield chose to safeguard his sibling Lincoln Burrows, who is on sentenced in light of the fact that he was purportedly seen as liable for the severe homicide of the VPs sibling. We will compose a custom paper test on Activities Based on Intentions or on the other hand any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page In spite of the fact that no one trusts him, he asserts that he is honest. Scofield later got breeze of data that caused him to accept that his sibling is blameless of the wrongdoing was condemned for. Fortuitously, the office that his sibling was stayed with was structured by his and he was a piece of the individuals that planned it. Michael took exceptional measures by getting captured and he was sent to a similar office so he can escape with his sibling. The remainder of the film is about how they got away, the snags they confronted, the existence that must be lost in view of this arrangement and the obstacles that needed to cross. After I wrapped up the third meeting, seeing the lives that were lost, the individuals that needed to follow through on the cost, the torment it caused, I started to bring up issue about Michael’s activities. I started to scrutinize the assurance behind his activity. In any case, I accept that his demonstration is inherently awful. Laws are made by the general public to make request in the general public. At the point when such laws are broken, the request is lost and this makes a feeling of aberrance in individuals. It turns out to be more awful when such laws are broken deliberately. As respects the film, I accept that the choice made by Michael Scofield isn't right. This is on the grounds that he is limited by the law. Regardless of whether he feels that the judgment made by the court is correct or wrong, ought to comprehend that the law is incomparable. There is a fair treatment that he can follow so as to turn around the choices of the court. Utilizing the Kantian morals as a model in this circumstance, I will say that his activity to escape from jail with his sibling brings up a basic issue. In spite of the fact that we hold an obligation to our family and the general public however which is higher? This is the place Scofield overlooked what's really important in light of the fact that the general public dominates the person. Kant says that our activity must be guided by a feeling of obligation †obligation to who? The obligation must be to the general public in light of the fact that the general public is greater than the general public. Moreover, Kantian morals says that we should regard individuals as an end in themselves and never as a necessary chore. In the film, Michael utilized a few people as a methods for escaping jail. For example, he utilized Sarah Tancredi as means for their escape. This activity is viewed as off-base when we assess it from the standard of Kantian morals. Besides, Michael Scofield’s thought process is naturally off-base. His thought process was to break into a jail office and to escape with his sibling, regardless of what occurs. Albeit engaging, his rationale isn't right. This is on the grounds that his intentions in choosing to do what he did clashes with his common commitment. For one, there is nothing that can make his activities right. Overstepping the law isn't right and that is all to it. Hence, as people, we should deal with the way that we don't have to hang tight for the outcome of an activity before we know the rightness or misleading quality. An activity is characteristically off-base regardless of whether it creates great results. Reference: Website page of The global film database. Recovered on ninth December, 2008. from  http:/

How Men and Women Communicate Essay

Genderlect: How Men and Women Communicate Describe who the members of the discussion were. Give the age of every individual, area of discussion, relationship of members to one another, and so forth. In the event that you don't have the foggiest idea about the members, at that point make your best estimate about the attributes of the discussion members I was having espresso with a companion and her sweetheart. They were both in their mid twenties and were together for two or three years. They knew each other since the time in school and they are both working in a decent organization. Depict what the discussion was about, and give explicit insights regarding how the discussion identifies with genderlect. These subtleties may either bolster or can't help contradicting the idea of genderlect you read about in the semantic human sciences learning module. My companion disclosed to me that they were wanting to get hitched and are attempting to determine a few issues between them before they take the promise. They went to see an advisor and trusted their relationship issues and attempted to determine them. They counseled hardly any issues particularly attempting to comprehend their disparities and build up an amicable relationship and maintaining a strategic distance from struggle. One of the issues that they counseled is their correspondence issue that normally brings about clash and misconstruing. The correspondence of the two is identified with genderlect hypothesis of correspondence as they are watching contrasts in their method of communicating with others, particularly individuals having a place from the other gender. The couple posed inquiries relating to the correspondence styles used by one another. Ladies need closeness and human association, while men need to hold their freedom. Ladies need their associations and correspondence to be responded. Men, then again, focus on a situation as an indication of their serious nature. What is your understanding of genderlect? Do you accept that it is basic among individuals you routinely talk with? Is it progressively basic in particular age gatherings, social circumstances, and so forth? Do you figure it doesn't have a lot of legitimacy? Ensure you allude to your exploration to back up your contention. People are viewed as various in all perspectives. One of their disparities is in their method of chatting and collaborating with others. Correspondence is an imperative part of society in attempting to accomplish solidarity and comprehension. It is significant in making an association with others. However, one of the obstructions in accomplishing understanding is that when the two individuals are diverse in their method of bantering with one another. Genderlect depicts the variety of language natural to either sexual orientation. The genderlect likewise alludes to men and women’s method of correspondence and how the two vary. There is no compelling reason to think about the two methods for correspondence on the grounds that the two strategies are altogether unique. The correspondence procedure of the two doesn't involve who is correct or who is predominant, understanding is difficult to accomplish because of the common contrast of the two correspondence forms (â€Å"Genderlect,† 2008). As indicated by speculations, for example, the sociolinguistic and genderlect hypothesis, the distinctions in correspondence and conduct of the two genders are secured on their recognizable social and social encounters (Poole and Hollingshead, 2004). Deborah Tannen asserted that regardless of whether the two individuals of various genders originated from a similar culture, they won't at present see one another. The genderlect hypothesis by Tannen examined the distinctions in correspondence of people and the distinction in the correspondence styles the two sexes are using (Robinson, 2003). One perspective on genderlect is seeing them like two unique societies bantering with one another with such a large number of innate obstructions that ruin the fulfillment of comprehension and solidarity. One of the crucial contrasts of the two sexual orientations is that ladies might want to build up association and for them, human association is significant. Men, then again, are increasingly mindful to the status in a cooperation. (â€Å"Genderlect,† 2008). Men consistently attempt to maintain a strategic distance from elusive and befuddling discussion. Men consistently look for â€Å"solid facts† and information than hitting around the bramble. Be that as it may, ladies are progressively specific with their sentiments and feelings so as to make a compatibility and association with the other individual in the connection. The purpose for this is men will in general view feeling as an indication of shortcoming and make themselves defenseless against an assault (â€Å"Genderlect,† 2008). Ladies are likewise progressively occupied with private discussions for they look to build up increasingly individualized connections. They won't talk more openly for the nonattendance of human association. They were likewise sabotaged by men in broad daylight, so they talk less. Men incline toward a greater amount of the open gathering where there is the nearness of the crowd that may perceive and admire them. Men need authority and prevalence (â€Å"Genderlect,† 2008). For ladies, clashes lessen the association that they are attempting to set up, so however much as could reasonably be expected they attempt to stay away from them. Men, then again, discover struggle as a method of picking up power. A sharp discussion and battle forces the positions and status of the included people. Accordingly, the natural mediocrity of ladies causes ladies to go along than contend. As a general rule, men start more clash than ladies (â€Å"Genderlect,† 2008). Because of the social and social encounters of the two genders, their methods of correspondence may likewise be influenced. As I would see it and evaluation, the hypothesis is very evident through encounters from bantering with different individuals. The hypothesis didn't pressure that contention and misconception won't generally emerge when two sexes attempt to convey. Struggle will likewise emerge because of contrasts in character, perspective and suppositions, not just sexual orientation. The main defect of the hypothesis is that the hypothesis incredibly stresses on the objective of men to command others and the objective of ladies to set up profound relationship. These two are not, at this point appropriate today since there have been changes in the general public in methods of identifying with sex issues and the rise of women’s force and contemporary feministic sees adjusted this suggestion in the hypothesis (Carriero, 2008). Do you think the language practices of guys and females reflect contrasts by they way we anticipate that guys and females should carry on? Why or why not? Allude to the content in your conversation. The hypothesis endeavors to clarify the natural contrasts in correspondence that rose up out of the distinctions in sexual orientation. The premises of the hypothesis are all around clarified. The hypothesis is tied down on the social and social development of a person. The inalienable job of men is to be prevailing and unrivaled. They are consistently up to vie for the various leveled positions. Ladies, then again, are relied upon to carry on as substandard and inconspicuous creatures. In the contemporary society, as the hypothesis puts more prominent accentuation on the objectives of the sexual orientations in their correspondence and proposes that cooperation is not, at this point pertinent as the general public, it additionally endeavors to accomplish equality and balance among sexes. References Carriero, H. (2008, July 25).Do Men and Women Speak Different Dialects?. Related Content. Recovered October 10, 2008 from http://www. associatedcontent. com/article/906989/do_men_and_women_speak_different_dialects. html? cat=38. Genderlect. (2008). ChangingMinds. organization. Syque. Recovered October 10, 2008 from http://changingminds. organization/clarifications/sexual orientation/genderlect. htm. Poole, M. S. and Hollingshead, A. B. (2004). Hypotheses of Small Groups: Interdisciplinary Perspective. California: Sage Publications, Inc. Robinson, D. (2003). Turning into a Translator: An Introduction to the Theory and Practice of Translation. Oxon: Routledge.

Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business

Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on  Gregory B. Fairchild  from the University of Virginia (UVA) Darden School of Business. As an academic director for Darden’s Institute for Business in Society,  Gregory B. Fairchild  (MBA ’92) is charged with promoting ways in which business leadership can connect to broader societal issues. Fairchild specializes in entrepreneurship, business strategies, and business ethics, and he researches ways to create value in underserved areas. In 2011,  Virginia Business  magazine included Fairchild in its “Top 25: People to Watch” feature, and in 2012, both CNN/Fortune  and PoetsQuants named him one of the best business school professors in the world. Fairchild has received a number of teaching excellence awards at Darden, including recognition as an outstanding faculty member in 2008. One alumna we interviewed called Fairchild’s classes “exhilarating” and noted that he reviews his students’ resumes and can tie someone’s background to the topic of the day. She added that he is “scarily good” at cold calls and “won’t let go until he has dug all of the facts out of you.” For more information about UVA Darden and 15 other top-ranked business schools, check out the  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Virginia (Darden) Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business Many MBA applicants feel that they are purchasing a brand when they choose an MBA program, but the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on  Gregory B. Fairchild  from the University of Virginia’s (UVA’s) Darden School of Business. As an academic director for Darden’s Institute for Business in Society, Gregory B. Fairchild  (MBA ’92) is charged with promoting ways in which business leadership can connect to broader societal issues. Fairchild specializes in entrepreneurship, business strategies, and business ethics and researches ways to create value in underserved areas. In 2011,  Virginia Business  magazine included Fairchild in its “Top 25: People to Watch” feature, and in 2012, both CNN/Fortune and Poets Quants named him one of the best business school professors in the world. Fairchild has received a number of teaching excellence awards at Darden, including recognition as an outstanding faculty member in 2008. One alumna we interviewed called Fairchild’s classes “exhilarating” and noted that he reviews his students’ resumes and can tie someone’s background to the topic of the day. She added that he is “scarily good” at cold calls and “won’t let go until he has dug all of the facts out of you.” For more information about UVA Darden and 15 other top-ranked business schools, check out the  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Virginia (Darden) Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Today, we focus on  Gregory B. Fairchild  from the University of Virginia (UVA) Darden School of Business. As an academic director for Darden’s Institute for Business in Society,  Gregory B. Fairchild  (MBA ’92) is charged with promoting ways in which business leadership can connect to broader societal issues. Fairchild, who is the Isidore Horween Research Professor of Business Administration, also serves as an academic director of public policy and entrepreneurship and the associate dean for Washington, DCâ€"area initiatives. In May 2018, the University of Virginia named Fairchild the director of operations in Northern Virginia. He specializes in entrepreneurship, business strategies, and business ethics, and he researches ways to create value in underserved areas. In 2011,  Virginia Business  magazine included Fairchild in its “Top 25: People to Watch” feature, and in 2012, both CNN/Fortune  and  PoetsQuants  named him one of the best business school professors in the world. Fairchild has received a number of teaching excellence awards at Darden, including recognition as an outstanding faculty member in 2008. One alumna we interviewed called Fairchild’s classes “exhilarating” and noted that he reviews his students’ resumes and can tie someone’s background to the topic of the day. She added that he is “scarily good” at cold calls and “won’t let go until he has dug all of the facts out of you.” Share ThisTweet Professor Profiles University of Virginia (Darden) Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Today, we focus on  Gregory B. Fairchild  from the University of Virginia (UVA) Darden School of Business. As an academic director for Darden’s Institute for Business in Society,  Gregory B. Fairchild  (MBA ’92) is charged with promoting ways in which business leadership can connect to broader societal issues. Fairchild, who is the Isidore Horween Research Professor of Business Administration, also serves as an academic director of public policy and entrepreneurship and the associate dean for Washington, DCâ€"area initiatives. He specializes in entrepreneurship, business strategies, and business ethics, and he researches ways to create value in underserved areas. In 2011,  Virginia Business  magazine included Fairchild in its “Top 25: People to Watch” feature, and in 2012, both CNN/Fortune  and  PoetsQuants  named him one of the best business school professors in the world. Fairchild has received a number of teaching excellence awards at Darden, including recognition as an outstanding faculty member in 2008. One alumna we interviewed called Fairchild’s classes “exhilarating” and noted that he reviews his students’ resumes and can tie someone’s background to the topic of the day. She added that he is “scarily good” at cold calls and “won’t let go until he has dug all of the facts out of you.” For more information about UVA Darden and 16 other top-ranked business schools, check out the free  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Virginia (Darden) Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Today, we focus on  Gregory B. Fairchild  from the University of Virginia (UVA) Darden School of Business. As an academic director for Darden’s Institute for Business in Society,  Gregory B. Fairchild  (MBA ’92) is charged with promoting ways in which business leadership can connect to broader societal issues. Fairchild, who is the Isidore Horween Research Professor of Business Administration, also serves as an academic director of public policy and entrepreneurship and the associate dean for Washington, DCâ€"area initiatives. He specializes in entrepreneurship, business strategies, and business ethics, and he researches ways to create value in underserved areas. In 2011,  Virginia Business  magazine included Fairchild in its “Top 25: People to Watch” feature, and in 2012, both CNN/Fortune  and  PoetsQuants  named him one of the best business school professors in the world. Fairchild has received a number of teaching excellence awards at Darden, including recognition as an outstanding faculty member in 2008. One alumna we interviewed called Fairchild’s classes “exhilarating” and noted that he reviews his students’ resumes and can tie someone’s background to the topic of the day. She added that he is “scarily good” at cold calls and “won’t let go until he has dug all of the facts out of you.” For more information about UVA Darden and  16 other top-ranked business schools, check out the free  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Virginia (Darden) Blog Archive Professor Profiles Gregory B. Fairchild, University of Virginia Darden School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on  Gregory B. Fairchild  from the University of Virginia (UVA) Darden School of Business. As an academic director for Darden’s Institute for Business in Society,  Gregory B. Fairchild  (MBA ’92) is charged with promoting ways in which business leadership can connect to broader societal issues. Fairchild specializes in entrepreneurship, business strategies, and business ethics, and he researches ways to create value in underserved areas. In 2011,  Virginia Business  magazine included Fairchild in its “Top 25: People to Watch” feature, and in 2012, both CNN/Fortune  and Poets Quants named him one of the best business school professors in the world. Fairchild has received a number of teaching excellence awards at Darden, including recognition as an outstanding faculty member in 2008. One alumna we interviewed called Fairchild’s classes “exhilarating” and noted that he reviews his students’ resumes and can tie someone’s background to the topic of the day. She added that he is “scarily good” at cold calls and “won’t let go until he has dug all of the facts out of you.” For more information about UVA Darden and 15 other top-ranked business schools, check out the  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Virginia (Darden)

The Effects Of Advertising On Our Society - 1504 Words

If your walking down the street, driving in your car, or listening to radio there is no doubt that you’ve hear or seen an ad. In todays world we live off of the things that the companies try to sell us. As it seems that we are presented with a new problem with the way ads are targeted to the consumer. Ads are much more than a product selling campaign, now it’s an unrealistic ideology of body perfection. This kind of product pushing comes with many different side effects that we as a consumer, might not realize. It is so detrimental that it becomes imbedded in your subconscious. Technology has made it to the point where it’s hard to tell what is real and fake. Advertising has created a pandemic in the way we view the body image of ourselves and the opposite sex in society. The â€Å"perfect† image is damaging to people causing an alarming growth in the form of psychological and health issues in the consumer. In today’s modern time, we are evolving i n the digital world at a rapid rate. We can no longer live without an ad popping up with every turn we make. Usually these ads come across as playful or appealing depending on the demographic. As time progresses from early forms of advertisement, we are seeing an alarming trending in the way ads have portrayed men and women as unrealistic body figures. Ads tend to sell a type of perfection to the consumer, say that we must have a perfect body, look, or style. In a recent article posted to magazine.org they defined the current state ofShow MoreRelatedThe Effects Of Advertising On Our Society947 Words   |  4 Pagesto an audience is advertisement. Advertising is a form of art that advertisers used to persuade a common mind and change the opinion of that person about particular product or to introduce him with a new product. As living this fast pace life when nobody can afford to spend their precious time to look for new trends and impressive innovation, but at the same time want to meet the standards of society by owning and acknowledging about these trends, then advertising is the most convenient way to seekRead MoreEffects Of Advertising On Children And The Overall Effects It Has On Our Society1404 Words   |  6 Pageshave been many ethical debates on its rightness; is advertising to children a gentle persuasion of the innocent or a sinister threat to our society? There’s too much as stake if we remain silent and simply assume that marketing companies have our children’s best interests at heart; the truth is they don’t. This paper will explore to implications of marketing to children and the overall effects it has on our society. I will argue that advertising to children is a social problem. In the first partRead MoreEssay on The Effects of Advertising on Society 1585 Words   |  7 PagesIn a society where malls have replaced parks, churches and community gatherings, many people no longer take time to meet their neighbors; peop le move frequently as though cities are products to be tried, like differing brands of shampoo. These unfortunate occurrences can be the result of many causes, one of them being advertising. Advertising is designed to foster a desire to purchase goods and services, yet it is much deeper than that—advertising is a system of effective manipulation that twistsRead MoreCritique on Advertising in Our Society1034 Words   |  5 PagesCritique On Advertising In Our Society A critique on the impact of advertising in our society. Consider visuals and verbal or written language. (1000 words) The impact of advertising on our society is a fiercely debated topic, and has been ever since the conception of advertising in its most basic form. There are negative and positive social and economic impacts upon society from advertising in its various forms. For instance, advertising promoting public welfare has a positive social impactRead More Advertising: the good and bad Essay1193 Words   |  5 Pages Advertising is a persuasive communication attempt to change or reinforce one’s prior attitude that is predictable of future behavior. We are not born with the attitudes for which we hold toward various things in our environment. Instead, we learn our feelings of favorability or unfavorability through information about the object through advertising or direct experience with the object, or some combination of the two. Furthermore, the main aim of advertising is to ‘persuade’ to consumer in orderRead MoreEssay about The Power of Advertising 1374 Words   |  6 PagesAdvertising has been defined as the most powerful, persuasive, and manipulative tool that firms have to control consumers all over the world. It is a form of communication that typically attempts to persuade potential customers to purchase or to consume more of a particular brand of product or service. Its imp acts created on the society throughout the years has been amazing, especially in this technology age. Influencing people’s habits, creating false needs, distorting the values and prioritiesRead MoreAdvertising: the Good and Bad Essay1187 Words   |  5 PagesAdvertising is a persuasive communication attempt to change or reinforce ones prior attitude that is predictable of future behavior. We are not born with the attitudes for which we hold toward various things in our environment. Instead, we learn our feelings of favorability or unfavorability through information about the object through advertising or direct experience with the object, or some combination of the two. Furthermore, the main aim of advertising is to ‘persuade to consumer in order toRead MoreThe Degenerative Influence of Advertising on Society Essay1563 Words   |  7 PagesAdvertising is designed to foster a desire to purchase goods and services, yet it is much deeper than that—advertising is a s ystem of effective manipulation that twists the mentalities of those subjected to it. It shapes people’s views of the world and warps their connections to each other. Therefore, advertising not only shapes their personal values but also distorts them until their principles no longer come from within them. Thus, in my opinion, advertising, unless deeply rooted in high ethicalRead MoreNegative Effects Of Advertising On Society713 Words   |  3 PagesSociety is constantly being exposed to loads of information through advertisements, but not many people stop to think of the effects of such exposure. Consumer’s lack of regard for the information thrown at them is a gateway for shady corporations to poison innocent minds. Society has an unknown poison- advertisement. Massive corporations get away with influencing the minds of unsuspecting masses by merely stating that advertisements from their company simply inform the public. Advertising can haveRead MoreEffect Of Advert ising On Society Essay1728 Words   |  7 PagesTalking about advertising, on the one hand, it is good for its functions, displays, etc.; on the other hand, sometimes it is too good to be true, the way they bring the messages to the consumers which state â€Å"the number one †¦Ã¢â‚¬ . What truly are the miscommunications and how do the viewers react to different types of stimulation among those, are there negative or positive results? This review of literature scope was led by the following question: When it comes to communication and advertising are there positive

Is Your Yoga Practice A Vehicle For Mental Health And...

Is your yoga practice a vehicle for mental health and self-actualization or are you content with just doing the physical practice? Yoga was originally intended to be a practice to facilitate self-actualization, meaning to realize who you are and being comfortable being you. More recently in the western yoga world, there has been a separation between physical development and spiritual development. Social media has defined yoga as cool physical postures. Yet, do not be fooled into believing that you will be self-actualized by only practicing asana. Asana is only one of the eight limbs, and a healthy body means nothing without a healthy mind. The definition of mental health according to the World Health Organization (â€Å"WHO†) is:†¦show more content†¦There are many benefits from doing the physical practice, including improved overall physical fitness, stress relief, and a reduction in anxiety and depression. But how can your yoga practice be an instrument for self-actualization? First of all, motivation is important. You have to want more. Without the desire to grow and learn, self-actualization will not occur. That motivation often comes from being in a place where nothing else is working. A time when you have tried everything else, and still you do not feel fulfilled. The Trifecta Approach There is a combination that will help you on your path towards fulfillment through self-actualization. I call it the trifecta approach. Here are the three key methods that work together to facilitate mental health and a life fully lived. 1. Yoga Practice: Find the right yoga teacher who supports your individual development beyond the physical asana. 2. Meditate: Develop a solid sitting practice. This more subtle practice will strengthen your ability to observe all mental activity. 3. Psychotherapy: Find a good therapist who will see you, hear you, support you, and guide you through your own transformation, and who will encourage you to keep at it. This may seem like a complex combination, but here is a case that demonstrates the trifecta’s approach in action. Alex’s Story1 Alex is a dedicated yoga practitioner. For over 10 years, she rolled out her matShow MoreRelatedDeveloping Management Skills404131 Words   |  1617 Pagesmymanagementlab is an online assessment and preparation solution for courses in Principles of Management, Human Resources, Strategy, and Organizational Behavior that helps you actively study and prepare material for class. Chapter-by-chapter activities, including built-in pretests and posttests, focus on what you need to learn and to review in order to succeed. Visit www.mymanagementlab.com to learn more. DEVELOPING MANAGEMENT SKILLS EIGHTH EDITION David A. Whetten BRIGHAM YOUNG UNIVERSITY Read MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pagesmechanical, photocopying, recording, or likewise. To obtain permission(s) to use material from this work, please submit a written request to Pearson Education, Inc., Permissions Department, One Lake Street, Upper Saddle River, New Jersey 07458, or you may fax your request to 201-236-3290. Many of the designations by manufacturers and sellers to distinguish their products are claimed as trademarks. Where those designations appear in this book, and the publisher was aware of a trademark claim, the designationsRead MoreMarketing Management 14th Edition Test Bank Kotler Test Bank173911 Words   |  696 Pageslatent demand D) negative demand E) unwholesome demand Answer: D Page Ref: 8 Objective: 2 AACSB: Analytic skills Difficulty: Moderate 14) People in emerging countries today are becoming increasingly health conscious and are seeking healthy food choices. As a result, demand for health foods is rising steadily, creating an opportunity for marketers to exploit this ________ market. A) demographic B) business C) need D) geographic E) service Answer: C Page Ref: 8 Objective: 2 AACSB:

Germanys Current Cyber Strategy - 1564 Words

While wars continue to rage in the middle east and tensions build over increasingly hostile Russian military activity, a silent and often forgotten battle is being waged on a battlefield unable to be seen. This battlefield is located in cyberspace and may determine and shape the future of all prospective battles and wars to come. In this paper, we will look at two separate countries, Belgium, and Russia, and examine what their cyber strategies are pertaining to warfare and defense or security, and current capabilities of these countries regarding cyber-attacks or warfare. We will also be looking at the potential risks these countries present to the United States and the best was the United States can defend against these potential or emerging threats. First, let us examine Belgium’s current cyber strategy. Belgium is primarily focused on defensive with almost no offensive capabilities or intent being listed throughout the 18-page document. The only mention of any possible offensive operations is the â€Å"right to self-defense†, but even this has multiple constraints on it to include, but limited to, initial attacker, the location, the necessity to respond, the principle of proportionality. They also put a limit on the level of authorized retaliation to the following: â€Å"The reaction must be in proportion to the extent of the attack and must be aimed at stopping it (ACOS STRAT, 2014).† From a defensive perspective, Belgium has set some very high standards and goals with anShow MoreRelatedBmw : Redefining Premium Brand13383 Words   |  54 PagesMilberg’s Premium Strategy Brand......................................................................................... |9 | | Helmut Panke, Milberg’s Successor...................................................................................... |10 | | Revitalizing the Brand: BMW, MINI Rolls-Royce........................................................... |12 | | Building on the Success of the Premium Brand Strategy .................Read MoreInternational Management67196 Words   |  269 PagesThis page intentionally left blank International Management Culture, Strategy, and Behavior Eighth Edition Fred Luthans University of Nebraska–Lincoln Jonathan P. Doh Villanova University INTERNATIONAL MANAGEMENT: CULTURE, STRATEGY, AND BEHAVIOR, EIGHTH EDITION Published by McGraw-Hill, a business unit of The McGraw-Hill Companies, Inc., 1221 Avenue of the Americas, New York, NY 10020. Copyright  © 2012 by The McGraw-Hill Companies, Inc. All rights reserved. Previous editions  © 2009Read MoreContemporary Issues in Management Accounting211377 Words   |  846 Pagesknowledge management, governance, and ethics, and technological advances, including the rise of broadband, have all impacted management accounting endeavours. The Weld is today, as fast-changing as it has ever been. This book captures key facets of current thoughts, concerns, and issues in management accounting. The book consists of eighteen chapters written by distinguished scholars in the Weld. The topic areas covered in some chapters reXect established management accounting topics such as budgetingRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impac t This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pages Movement made possible the appearance of every hominid species since then, including our own some 150,000 years ago, and the spread of Homo sapiens from our African cradle to every major area of the planet since 50,000 b.p.. These migratory currents have connected all the continents since 1500 C.E., helping create the political, social, and ethnic landscapes of the world today. Premodern societies were far from static.1 But we cannot project this fact into a history of mobility that is one

Personal Development Portfolio

Question: Discuss about thePersonal Development Portfolio. Answer: Introduction There cannot be effective marketing devoid of strategic decision-making within the organization. It requires an in-house discussion on the appropriate means of marketing to be employed depending on the market layout (Brest Krieger, 2010). Marketing cannot be strategic if not well discussed on well by the marketing department. Any marketing activity done in isolation of effective and strategic decision making cannot achieve the intended goal. For example, marketing activity intended to make the organizations name to the market needs in-depth discussion on the brand will be sold what brand to sell and how. Also, it is important to decide on the target market and availability of the targeted customers so that then event does not miss out on point. Marketing that is meant to counter a rival organization comes with their own peculiarity due to the goal intended to be achieved. Permeating an already established is not a simple task. It requires analysis on the strategies the rivals employ to capture the market ( Keillor, 2007). Possibility of success must be discussed to avoid wastage of resources on unworthy course. For example, marketing intended to attract pork meat consumers cannot bore any fruits if the marketing drive is conducted in a Muslim dominated area cannot meet the goal of convincing customers who are already subscribed to other types of meat by virtue of their religion. A prior meeting to consult on the prospects of such endeavor would minimize and reduce wastage of resources in non-promising marketing activities. However, if the aspect of in-house consultation is ignored, the business risks its finances due to consistent unsuccessful consumers drive. Marketing activities that require hiring of marketing personnel in case the organization does not have permanent personnel needs to consult on finance requirement for catering for incentives payable to them. Also, deciding on what market mix to employ is very since that what determines whether the organizations marketing strategy becomes a success or not. This would include collaborative input within the organization in considering whether sales by sample or any type would befit the organization considering the profit margin and financial position. From the discussion above, it is clear that marketing goes hand in hand with business decision-making and the latter cannot do without the former ( Pride Ferrell,2010). Application of the concepts learnt in this module would be helpful in line of managing organizations as operations manager. Collaborative operation within the organization under my stewardship would mean attainment of the intended goals, say, and marketing goal. In-house consultation in the organization would be critical in deciding what clothes to stalk, how we market our products and when we market them. To ensure a smooth transition of the concepts learnt in the coursework, I will organize training sessions and workshop with the organizations employees to impart the knowledge to the organization in practical; manner. The concepts studied in other modules are build-up of the current module. Take for example, business management that is expanded in this module in the sense that it encourages consultation before decision-making in marketing strategies. Maintaining high standards of integrity in business is very crucial since at times honesty is tested from many dimensions thus integrity forms the primary ethical issue that an organizations should invest in. integrity builds up other ethical issues such diversity and transparency in employment arena of the organization. Other ethical issues that touch on business are environmental concerns such that business activities are not expected to cause pollution of environment. Yes. My writing skills have improved since this module has intensified in delivery of responses in writing in many instances. For example, most of after-class discussions are made in writing which has really improved my writing skills. References: Brest, P., Krieger, L. H. (2010). Problem solving, decision making, and professional judgment: A guide for lawyers and policymakers. Oxford: Oxford University Press. Shankar, V., Carpenter, G. S. (2012). Handbook of marketing strategy. Cheltenham, UK: Edward Elgar Pub. Keillor, B. D. (2007). Marketing in the 21st century. Westport, Conn: Praeger. Iacobucci, D., J.L. Kellogg Graduate School of Management. (2001). Kellogg on marketing. New York: Wiley. Pride, W. M., Ferrell, O. C. (2010). Marketing. Australia: South Western Cengage Learning. Lamb, C. W., Hair, J. F., McDaniel, C. D. (2012). Essentials of marketing. Mason, Ohio: South-Western Cengage Learning.

Malaysian Country Analysis Essays - Malaysian Muslims,

Malaysian Country Analysis Malaysia A. Brief History ? In the first century AD, the Malayan peninsula was prominent in int'l trade. ? Conquered by the Portuguese in 1511, then the Dutch in 1641. ? The British, who replaced the Dutch in 1795, developed large-scale productions of tin and rubber. ? The Japanese invaded Malaysia during WWII. ? Malaysia was formed after negotiating for independence from the British in September 16, 1963. B. Comparative Advantage (Early years up to pre-1980's) ? Natural Resources/Land - Malaysia has a total land area of 127,320 sq. mi. - abundance of sedimentary rocks such as limestone, shale, sandstone, and conglomerate. - Tin ore was Malaysia's most important resource pre 1980's. - exported raw commodities such as timber, rubber, tin, and palm oil. ? Human Resources ? Access to Capital - Government invested on more capital goods - Sources of finances were increasing due to the investment on capital, domestic saving, and foreign investments. - In the 1970's, the Investment Incentive Act aimed to gain more investments to spend on its programs. It also aimed to get more participation from the Malays. ? Initial Success in some industries - Production of raw materials like tin and rubber - Mining, Petroleum production, Agricultural Sector, Forestry and Fishing. C. Role of Government ? The head of state is the Yang di-Pertuan Agong (paramount ruler) The Conference of Rulers is formed by the hereditary rulers and appointed heads of the four other states. The Cabinet headed by the Prime Minister exercises executive power. ? The government finds ways to attract foreign investors, and is active in the development of industries. D. Competitive Advantage ? In the Second Industrial Master Plan (IMP2), palm oil, rubber, cocoa, and timber were identified as primary commodities. ? The Third National Agricultural Policy (NAP3), palm oil, rubber, cocoa, and timber have also been identified as the major contributor to agricultural value-added activities. ? Infrastructure Development- in the form of roads, ports, railways, telecommunications, electricity, and water supply- is crucial for profitable private investment. ? More emphasis has been given to the development of commercial agriculture since the 19080's. ? Petroleum Development Act of 1974 enabled the federal government to get much of the resource rents from petroleum and natural gas resources. ? Logging ? Malaysia has the second highest household savings rate. ? Import Substitution and Export Orientation E. Economic Indicators (1991-2000) GNP $67 billion GDP 6% Inflation 5.3% Unemployment 2.6% National Debt $39.8 billion Budget Deficit/ Surplus revenues: $22.6 billionexpenditures: $22 billion Population 22.2 Million F. Survival Strategy during the Asean Crisis (1997 ? 2000) ? Political Problems - On September 1998, Prime Minister Mahathir Mohammad fired Anwar Ibrahim from his post as Deputy Prime Minister, after being convicted of corruption and other illegal activities. - Daim Zainuddin, the Special Functions Minister, succeeded Anwar's position. - The coalition of Mahathir and Daim went against the International Monetary Fund (IMF). ? Economic Problems - Currency depreciation, causing a fall of the financial situations, the stock market, and exchange rate. - The corporate sector became vulnerable, and the financial system was exposed to external borrowing, property, stock, and shares. - Weak supervision in the financial system. ? Strategy for Recovery - Stabilizing the Ringgit - Reduce an Over-Dependence on the US Dollar - Increase External Reserves - Adopt a Balanced Interest Rate Policy G. Most Likely Country Scenario ? Invest more on its resources. ? Will develop competitive industries. ? Must become politically and socially stable. Bibliography Malasian Star (newspaper) Asia Economic review Economics Essays

The History of the US and Cuba - Complex Relations

The History of the US and Cuba - Complex Relations The US and Cuba marked the beginning of their 52nd year of broken relations in 2011. While the collapse of Soviet-style Communism in 1991 ushered in more open relations with Cuba, the arrest and trial in Cuba of USAID worker Alan Gross strained them once again. Background: Cuban and American Relations In the 19th Century, when Cuba was still a colony of Spain, many southern Americans wanted to annex the island as a state to increase American slave territory. In the 1890s, while Spain was attempting to suppress a Cuban nationalist rebellion, the United States intervened on the premise of correcting Spanish human rights abuses. In truth, American neo-imperialism fueled American interests as it sought to create a European-style empire of its own. The United States also bristled when a Spanish scorched earth tactic against nationalist guerrillas burned out several American interests. The United States began the Spanish-American War in April 1898, and by the middle of July had defeated Spain. Cuban nationalists believed they had achieved independence, but the United States had other ideas. Not until 1902 did the United States grant Cuban independence, and then only after Cuba had agreed to the Platt Amendment, which roped Cuba into Americas sphere of economic influence. The amendment stipulated that Cuba could not transfer land to any foreign power except the United States; that it could not acquire any foreign debt without U.S. approval; and it would allow American intervention in Cuban affairs whenever the U.S. thought it necessary. To speed their own independence, Cubans added the amendment to their constitution. Cuba operated under the Platt Amendment until 1934 when the United States rescinded it under the Treaty of Relations. The treaty was part of Franklin D. Roosevelts Good Neighbor Policy, which attempted to foster better American relations with Latin American countries and keep them out of the influence of rising Fascist states. The treaty retained American rental of Guantanamo Bay naval base. Castros Communist Revolution In 1959 Fidel Castro and Che Guevara led the Cuban communist revolution to overthrow President Fulgencio Batistas regime. Castros ascent to power froze relations with the United States. The United States policy toward Communism was containment and it quickly severed ties with Cuba and embargoed trade the island. Cold War Tension In 1961 the American Central Intelligence Agency (CIA) orchestrated a failed attempt by Cuban emigres to invade Cuba and topple Castro. That mission ended in a debacle at the Bay of Pigs. Castro increasingly sought aid from the Soviet Union. In October 1962, Soviets began shipping nuclear-capable missiles to Cuba. American U-2 spy planes caught the shipments on film, touching off the Cuban Missile Crisis. For 13 days that month, President John F. Kennedy warned Soviet first secretary Nikita Khrushchev to remove the missiles or face consequences - which most of the world interpreted as nuclear war. Khrushchev backed down. While the Soviet Union continued to back Castro, Cuban relations with the United States remained cold but not warlike. Cuban Refugees and the Cuban Five In 1979, faced with an economic downturn and civilian unrest, Castro told Cubans they could leave if they did not like conditions at home. Between April and October 1980, some 200,000 Cubans arrived in the United States. Under the Cuban Adjustment Act of 1966 the United States could allow arrival of such immigrants and avoid their repatriation to Cuba. After Cuba lost most of its Soviet-block trading partners with the collapse of Communism between 1989 and 1991, it suffered another economic downturn. Cuban immigration to the United States climbed again in 1994 and 1995. In 1996 the United States arrested five Cuban men on charges of espionage and conspiracy to commit murder. The U.S. alleged they had entered Florida and infiltrated Cuban-American human rights groups. The U.S. also charged that information the so-called Cuban Five sent back to Cuba helped Castros air force destroy two Brothers-to-the-Rescue planes returning from a covert mission to Cuba, killing four passengers. U.S. courts convicted and jailed the Cuban Five in 1998. Castros Illness and Overtures at Normalization In 2008, after a prolonged illness, Castro ceded the presidency of Cuba to his brother, Raul Castro. While some outside observers believed that would signal the collapse of Cuban Communism, it did not happen. However, in 2009 after Barack Obama became president of the U.S., Raul Castro made overtures to talk to the United States about foreign policy normalization. Secretary of State Hillary Clinton said that the 50-year American foreign policy toward Cuba had failed, and that Obamas administration was committed to finding ways to normalize Cuban-American relations. Obama has eased American travel to the island. Still, another issue stands in the way of normalized relations. In 2008 Cuba arrested USAID worker Alan Gross, charging him with distributing U.S. government-purchased computers with the intent of establishing a spy network inside Cuba. While Gross, 59 at the time of his arrest, claimed no knowledge of the computers sponsorship, Cuba tried and convicted him in March 2011. A Cuban court sentenced him to 15 years in prison. Former United States President Jimmy Carter, traveling on behalf of his Carter Center for human rights, visited Cuba in March and April 2011. Carter visited with the Castro brothers, and with Gross. While he said that he believed the Cuban 5 had been jailed long enough (a position that angered many human rights advocates), and that he hoped Cuba would quickly release Gross, he stopped short of suggesting any type of prisoner exchange. The Gross case seemed capable of halting any further normalization of relations between the two countries until its resolution.

The History of advertising and Brand Promotion Assignment

The History of advertising and Brand Promotion - Assignment Example The contribution of universal creative studios, Rowling and Warner Brothers have been successful in creating a brand in Harry Potter through branded entertainment (Thomas, Chris, & Semenik, 2012). Through various advertising and promotional channels, and partnerships the partners have made Harry Potter both a product and a brand. Potter’s marketers are continuing to keep the brand going through cross-promotional partnerships. Cross-promotional strategy and brand recognition sustain the success of the Potter brand. Coca Cola’s â€Å"Timely refreshment† ad fits in the designer era. This is because the ad appeals to the social class and conscious value for time management. Designer labels and social class-consciousness were some of the characteristics of the designer era ads. The calving Klein ad â€Å"fits in the e-revolution era because it includes a technological appeal of the current generation. The ad displays a woman wearing the latest design clothes. The diet coke ad was developed in 2002, so it is supposed to fit in the e-revolution era. However, it does not display the public consumption status of the designer era. A home improvement ad called â€Å"the perfect daughter† by Fahrenheit DDB in Lima Peru shows the problem a dad face on a trip to Promart. The ad is appealing to women because it tugs into viewers emotions. The family approach in the ad will attract female consumers. An automotive ad for Fiat 500L â€Å"The Motherhood† appeals to women because it explores the concept of motherhood, which, is core to women’s emotions. The ad will attract consumers because it targets the female niche. Budweiser â€Å"puppy love† ad was appealing to women as it shows a woman expressing moments of tenderness on a puppy. This would attract women consumers to these

John Steinbeck's novel Cannery Row Essay Example | Topics and Well Written Essays - 1000 words

John Steinbeck's novel Cannery Row - Essay Example As the discussion highlights Doc is a man of scientific approach, but at the same time, he is interested in enjoying the luxuries of day to day life. He is not the one to chase the perfect disciplines in life, but is willing to carry on happily with the available levels of discipline. The readers first see him leaving his Western Biological Laboratory for purchasing five quarts of beer. He is not interested to tread the beaten and routine tracks of life and exhibits defiance towards the vested interests that take control of the society and his approach is evident in his suggested â€Å"method for getting revenge on a bank if anyone should ever want to: `Rent a safety deposit box, then deposit in it one fresh salmon and go away for six months.† Thus Doc is an individual who accepts and lauds the contradictory facets of life and his Western Biological is a kind of experimental laboratory for the living things as per their levels of progression. This study outlines that a true philosopher (the realized soul) knows the past, present and the future and they are one with the, the great leveler of humankind, the Time. They are unaffected by the day to day agitations, ups and downs occurring in the world outside. The author compares Mack and the boys, the ordinary folks, to such philosophers as they have the capacity to survive in this world of pluralities and pairs of opposites, like happiness and sorrow, light and darkness etc. There are others, the simple types of people, to whom ignorance is bliss and they also remain happy, like philosophers, in all circumstances. The intelligent, successful and competitive people remain upset always; their mind is full of agitations over the business and secular challenges they face and the author categorizes them as men with â€Å" bad stomachs and bad souls† but Mack and the boys are fit physically and mentally. They are carefree people, eat what they like, and do what they wish.  

Hdfc Bank Essay Example for Free

Hdfc Bank Essay The first modern bank was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio (Bank of St. George). Many other financial activities were added over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of cross share holding entity known as zaibatsu. In France Bancassurance is highly present, as most banks offer insurance services (and now real estate services) to their clients. 1.2 DEFINITION: The definition of a bank varies from country to country. Under English law, a bank is defined as a person who carries on the business of banking, which is specified as: †¢ Conducting current accounts for his customers †¢ Paying cheques drawn on him, and †¢ Collecting cheques for his customers. 1.3 OBJECTIVE OF THE STUDY: The Objective of this on the job training is to study the importance of the potential customers and their value to the bank and creating the awareness among them about the importance of current accounts and keep a good relationship with them for the bank’s benefit. 1.4 ORIGIN OF THE BANK: The name bank derives from the Italian word banco desk/bench, used during the Renaissance by Florentines bankers, who used to make their transactions above a desk covered by a green tablecloth. However, there are traces of banking activity even in ancient times. In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome- that of the Imperial Mint. 1.5 PRESENT STATUS OF THE BANK: Worldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. The growth in Europe’s share was mostly at the expense of Japanese banks whose share more than halved during this period from 33% to 13%. The share of US banks also rose, from 10% to 14%. Most of the remainder was from other Asian and European countries. . The US had by far the most banks (7,540 at end-2005) and branches (75,000) in the world. The large number of banks in the US is an indicator of its geography and regulatory structure, resulting in a large number of small to medium sized institutions in its banking system. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, and Italy had more than 30,000 branches each—more than double the 15,000 branches in the UK. 1,6 FUTURE OF THE BANK : The future is integration as people will have less time for banking. People will want to process more transactions on the Internet. There will be more activity in terms of applications and services on the mobile. Geography will not be an inhibitor any more as everything is executable on the Net. Integration is the next real big thing. As a customer you will want a one-stop shop that will take care of all your needs. For instance people will want to buy their mutual funds, redeem their mutual fund, buy insurance policies, renew policies, buy cinema tickets, railway tickets, and numerous similar transactions through the bank. The ATM will still serve as a cash dispensing medium, but the Internet and mobile will be very active. [pic] 2.1 ORIGIN OF THE ORGANIZATION : H.D.F.C was set up on 17th October, 1977 by I.C.I.C.I. out of the consideration that a specialized institution was needed to channel household savings as well as funds from the capital market into the housing sector. H.D.F.C. has emerged as the largest mortgage finance institution in the country. The main objective of H.D.F.C. is to develop significant expertise in retail mortgage loans to different market segments and to have a large corporate client base for its housing related credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of home ownership. H.D.F.C. is Indias leading housing finance company and for all practical purposes is synonymous with the domestic housing finance industry. The primary objective of H.D.F.C is to enhance residential housing stock and promote home ownership. One of its major objectives is to increase flow of resources for housing through the integration of housing financial institutions with the domestic market. H.D.F.C. has developed a strong market reputation large shareholder base and unique consumer franchise. H.D.F.C. is Indias premier housing finance company in India as well as in international markets. It has maintained a consistent and healthy growth in its operations to remain the clear market leader in mortgages in India. The company has been constantly engaged into innovation and innovative practices since its birth. 2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATION: HDFC Bank reported a 43 percent growth in net profit at Rs.75.5 crore for the third quarter ended December 31, 2001, as against Rs 52.8 crore in the corresponding quarter previous fiscal. The jump in net profit was primarily due to other income which almost doubled to Rs 85.5 crore from Rs 47.5 crore. Speaking to analysts at a conference call today, January 15, 2002, Paresh Suthankar, head – credit risk and investments, reiterated the bank’s earlier guidance of a 25-30 per cent compounded annual growth rate (CAGR) in its top line for the next two to three years. The bank does not see any reason to revisit its guidance and stands by it. It expects the projections to hold true as long as the market environment is relatively stable and does not move to an extreme of either a boom or a total bottoming out. The bank is open to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its projected growth rate of 25-30 per cent. At present, it is not working on any deal but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The bank’s exposure to capital markets is around 6-7 per cent, against the Reserve Bank of India (RBI) norms of 5 per cent. The bank expects to bring it down to within the stipulated limit by the end of this fiscal. The bank has made a lot of headway in its retail thrust with retail accounts going up to 1.9 million from 1.4 million a year back. The branch network now stands at 147 outlets in 63 cities and the ATM network at 360 compared to 231 ATMs as on March 31, 2001. The debit card base is at six lakh. On the advances side, car loans have really picked up and now form almost 50 per cent of the total retail advances, with the remaining being accounted for by loan against securities and other loans. In fact in case of car loans, the bank now covers around 30 cities against just eight-nine a year back. 2.3 PRESENT STATUS OF THE ORGANIZATION: HDFC Bank Limited provides various financial products and services. It operates in three segments: Personal Banking, NRI Banking, and Wholesale Banking. The Personal Banking segment provides savings, and current and fixed deposit accounts. It also offers personal, home, two wheeler, new car, used car, gold, education, healthcare, commercial vehicle, working capital, construction equipment, and warehouse receipt loans. In addition, this segment provides safe deposit lockers; credit, debit, and prepaid cards; mutual funds, general and health insurance, bonds, and equities and derivatives products; and forex and payment services. The NRI Banking segment’s deposit products include rupee savings accounts, rupee current accounts, rupee fixed deposits, foreign currency deposits, and accounts for returning Indians. Its loan products comprise home loans, loans against securities, loans against deposits, and gold credit cards. The Wholesale Banking segment offers funded services, which consist of working capital finance, short term finance, bill discounting, and export credit; and non-funded services, such as letters of credit, bank guarantees, and collection of documents to corporations, and small and medium enterprises. It also various services to banks, financial institutions, mutual funds, stock brokers, insurance companies, commodity businesses, and trusts. As of March 31, 2008, it had a network of 761 branches and 1,977 automated teller machines in 327 cities in India. [pic] 2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATION: HDFC Bank Limited is located in New Friends Colony, New Delhi. This organization Includes functional departments as follows: 1. Current Account Department 2. Saving Account Department 3. Trade Department 4. Salary Department 5. Cash Department 6. Demat Account Department 2.5 ORGANIZATION STRUCTURE AND CHART: [pic] 2.6 PRODUCT AND SERVICE PROFILE OF THE ORGANIZATION: HDFC Bank mainly provides three kinds of banking services: †¢ Personal Banking †¢ NRI Banking †¢ Wholesale Banking The following are the products and services provided by the HDFC bank HDFC Bank provides loans like Personal Loans , Home Loans , Educational Loans , Two Wheeler Loans , New car Loans, Used Car Loans, Overdraft Against Car, Express Loans, etc. HDFC Bank provides Credit, Debit and Prepaid Cards to help you meet your financial objectives. HDFC Bank provides facilities like Mutual Funds, Insurance, General Health Insurance, Bonds, Financial Planning, Knowledge Center, Equities Derivatives, and Mudra Gold bar. If you need to deal in foreign currency and keep tabs on exchange rates every now and then, transfer funds to India, make payments etc., HDFC Bank has a range of products and services that you can choose from to transact smoothly, efficiently and in a timely manner. With HDFC Bank’s payment services, you can bid goodbye to queues and paper work. HDFC’s range of payment options make it easy to pay for a variety of utilities and services. HDFC Bank provides many types of accounts like: †¢ Saving Account †¢ Current Account †¢ Demat Account †¢ Salary Account HDFC Bank has designed two programs to make banking easier for the customers and they are †¢ HDFC Bank Preferred Programme †¢ HDFC Bank Classic Programme. HDFC Bank offers Private Banking services to high net worth individuals and institutions. HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India. Corporate Banking reflects HDFC Bank’s strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by means of various services. 2.7 CURRENT ACCOUNT IN DETAIL: Features Benefits: [pic]Free Account to account funds transfer between HDFC Bank accounts Free payment and collection through RTGS. Free payment and collection using NEFT (through Net banking) Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month. Convenience to withdraw deposit cash at all our branches* Free 300 At Par cheques leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance transaction details, find out the status of your cheque or stop cheque payment. Fees Charges for Plus Current Account: Minimum Balance (Average Quarterly Balance)-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/- Charge of Rs.1, 500/- per quarter, if AQB is less than Rs. 100,000/- but = Rs. 50,000/- Cheque Book Charges (Issued by Bank)-Payable-at-par Free 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves Remittance facility through own Bank: Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DDFree up to 50 DDs per month. Above 50 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 50 POs per month. Above 50 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: Payments-Free CollectionsFree Local Transactions (At home branch location) : Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC Bank- Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank-Free Payments Collections at HDFC Bank Locations-Free up to Rs.100 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction ChargesAll transactions are subject to a maximum of 250 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection: Outstation through own bankCollection: Free, only courier charges of Rs 20 per instrument Outstation through another bank (Correspondent bank locations) : Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions : 1. Cash Deposit Cash Deposit-Home Branch Location-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in excess of Rs.10 lacs or 50 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch city subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home locationMaximum Rs.100, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intercity IntracityFree up to Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Features Benefits [pic]Free Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions. Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection payment within HDFC Bank branch network (except Dahej), up to Rs.50 lacs per month. Convenience to withdraw deposit cash at all our branches* Free 200 At Par cheque leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! Fees Charges for Trade Current Account [pic]Description of Charges Minimum Balance (Average Quarterly Balance) -Rs. 40,000/- Non-Maintenance Charges per quarterCharge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/- Cheque Book Charges (Issued by Bank) -Payable-at-par 200 cheques leave Free per month. Charges Rs 2/- per leaf beyond 200 leaves Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 30 DDs per month. Above 30 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone Banking All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs. 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation-Rs.50/- per instrument NEFT/EFT Transactions: PaymentsFree CollectionsFree RTGS Transactions : PaymentsFree CollectionsFree Local Transactions (At home branch location) Local cheques collections payments-Free Account to Account Fund Transfer within HDFC Bank -Free Anynhwere Transactions (except Dahej) Account to Account Fund Transfer within HDFC BankFree Payments Collections at HDFC Bank LocationsFree up to Rs.50 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction Charges All transactions are subject to a maximum of 150 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection Outstation through own bankRs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank-Correspondent bank locations: Rs.4/- per Rs. 1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.50, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity Intracity Free cash withdrawals up to Rs.50, 000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. HDFC Bank Trade offers you a host of features that sets it apart from regular Current Accounts that most banks offer. They are: Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 lakhs per month. Free Accounts to account funds transfer between HDFC Bank accounts, inter-city. Free up to 30 Pay-orders per month. Free up to 30 demand-drafts per month. Free RTGS NEFT Transactions. Features Benefits Free anywhere collection payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/- Free NEFT Transactions. Free RTGS collection. RTGS payment @ Rs.100/- per transaction. Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free 100 At Par cheque leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! Fees Charges for Premium C/A Description of Charges Minimum Balance (Average Quarterly Balance) -Rs. 25,000/- Non-Maintenance Charges per quarterCharge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank) Payable-at-par100 cheques leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM Mobile Banking: Rs 50/- per statement. Mode of calculation of minimum average quarterly balance Average of daily closing balances of each day spread over a period of three months. Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 Rs. 25/-, Above Rs. 100,000- Free Issuance of DD/ PO through Phone Banking: All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: PaymentsFree Collections-Free RTGS Transactions: PaymentsRs. 100/- per transaction Collections-Free Local Transactions (At home branch location) Local cheques collections payments-Free Account to Account Fund Transfer within HDFC Bank -Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Rs.15/- per transaction Payments Collections at HDFC Bank Locations Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25 Bulk Transaction Charges: All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) -Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection: Outstation through own bank Rs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bank Correspondent bank locations: Rs.4/- per Rs.1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs.6.5/- per Rs.1, 000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.25, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity Intracity Free cash withdrawals up to Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account. So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account. What’s more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you anyway may not need. Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000. Features Benefits Enjoy dynamic free limits on Intercity Payments, Collections Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained* For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table: [pic] TransactionDynamic Free Limits* Cash Deposit at Home Branch Location Anywhere Payments, Collections Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular month Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. What’s more, payments and collections through RTGS are completely free! Make and receive remittances to from your vendors customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free! Free 40 Demand Drafts Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service receive updates on your account as and when the select transaction happens – all this without visiting the Branch or ATM! The top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you. Features Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques Free Intercity Cheque Collection Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGS Free payment and collection using NEFT (through NetBanking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Convenience to withdraw and deposit cash at all our branches* Free Cash Deposit up to Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par Cheques. Free 500 leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! . Fees and Charges for Apex Current Account:[pic] Minimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintenance Charges per quarter:Charge of Rs.5,000/- per quarter if AQB is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQB is less than Rs. 5,00,000/- Cheque Book Charges (Issued By Bank) Payable-at-par 500 cheque leaves free per month. Charges Rs 2/- per leaf beyond 500 leaves Other Current Account Facilities Issue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 per statement through Net Banking and Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM and Mobile Banking Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months Remittance facility through own Bank Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limit Pay Orders (PO) – on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking-Free without limit Only DD amount up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: Payments-Free CollectionsFree Local Transactions (At home branch location) Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC Bank-Free Anywhere Transactions (except Dahej) Account-to-Account Fund Transfer within HDFC BankFree Clearing Transactions-Collections Payment at HDFC Bank locations-Free Bulk Transaction Charges: All transactions are subject to a maximum of 500 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)-Free up to Rs 15 Lacs per month, beyond which charges of Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection Outstation Cheque collection on HDFC Bank Locations-Free Outstation Cheque Collection on non-branch locationsCorrespondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) non-MICR cheques: Rs 4.5/- per Rs 1000/-, min of Rs 50 per transaction (includes courier charges) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch CityFree up to Rs. 100 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 100 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch city subject to limit of Rs.1,00,000/- per account per day) Cash Deposit Non Home Branch City Charges @ Rs 3 per Rs 1000/-, minimum of Rs 50 per transaction. (Maximum deposit allowed up to Rs 1, 00,000/- per day) 2. Cash Withdrawal Cash Withdrawal-Home BranchFree. Cash Withdrawal-Non Home Branch-Intercity IntracityFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the Maximum. Features Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques: Free Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGS Free payment and collection using NEFT (through Net Banking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Free anywhere collection payment (clearing) up to Rs. 5 Crore per month within HDFC Bank branch network (except Dahej) Convenience to withdraw and deposit cash at all our branches* Free cash deposit up to Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1, 00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par cheques. 500 leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! Fees and Charges for Max Current Account †¢ [pic]Description of Charges Minimum Balance (Average Quarterly Balance) Rs. 5, 00,000/- per quarter †¢ Non-Maintenance Charges per quarter Charge of Rs.3,000/- per quarter if AQB is less than Rs.5,00,000 but greater than or equal to Rs. 2,50,000/-; Rs.8,000/- per quarter if AQB is less than Rs. 2,50,000/- Cheque Book Charges (Issued by Bank) 500 cheques leave Free per month. Charges Rs. 2/- per leaf beyond 500 leaves †¢ Other Current Account facilities Issue of Duplicate / Adhoc Statement Rs. 100 at Branch, Rs. 30 per statement through Net Banking Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM Mobile Banking Mode of Calculation of Minimum Average Quarterly Balance Average of daily closing balances of each day spread over a period of 3 months. Remittance facility through own Bank: Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limit Pay Orders (PO) – on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking Free without limit Only DD amount up to Rs. 5, 00,000 for Current Max Accountholders accepted at Phone Banking. DD/PO-Cancellation/Revalidation Rs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: PaymentsFree Collections-Free Local Transactions (At home branch location) Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC BankFree Anywhere Transactions (except Dahej) Account to Account Funds Transfer within HDFC BankFree Payments Collections at HDFC Bank Locations (except Dahej) Free up to Rs. 500 Lakh per month, beyond which charges @ Rs. 0.50/1000, min Rs.25/-. †¢ Bulk Transaction Charges All transactions are subject to a maximum of 300 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. †¢ Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / RevalidationRs.50/- per instrument †¢ Cheque Collection Outstation through own bankFree †¢ Outstation through another bank Correspondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs. 4.5 per Rs.1, 000/-, min Rs. 50/- (inclusive of courier charge) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch City Free up to Rs. 50 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 50 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch location subject to limit of Rs.1, 00,000/- per account per day) Cash Deposit Non Home City Maximum Rs.1, 00,000/- per day. Charges @ Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash Withdrawal Cash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intracity Intracity Free cash withdrawals up to Rs. 1,00,00/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. 2.8 MARKET PROFILE OF THE ORGANIZATION: Company Profile:HDFC Bank Limited Ticker:500180 Exchanges:OTH BOM 2008 Sales:124,140,000,000 Major Industry:Financial Sub Industry:Commercial Banks Country:INDIA Employees:37836 3.1 STUDENT’S WORK PROFILE (ROLE AND RESPONSIBILITIES): I have completed my summer taining in HDFC Bank Limited as a SALES EXECUTIVE. During this training I played some roles and responsibilities are as: ROLE- I have worked as a sales Executive in sales department in HDFC Bank Ltd. My role was to buildup better relationship with Customers. HDFC Bank expects its employees to take up the work of opening current account in their respective locations. My main role was to contact customers and make deal for opening current account, in meeting with customers I represent a demo to customer for current account, are as: RESPONSIBILITIES- †¢ To generate leads for the Bank. †¢ To buildup better relationship with customers. †¢ To increase the sales of the Bank. †¢ To provide awareness about the current account. †¢ To achieve company’s target. 3.2 DESCRIPTION OF LIVE EXPERIENCE: Working with HDFC Bank It was a nice experience. When I entered into the bank, I was very nerves. However after entering I knew the real mean of working with the big organization. We need to follow the rules and regulations of the company. Coming at the exact time in the bank is very important. These things are very important which we need to learn : †¢ How should behave in the organization? †¢ How behave and coordinate with the customer? †¢ How we need to talk to our Boss, our superior and colleges? Working with the HDFC I increased my communication skills. Also I knew the Importance of the coordination among all the employees. All the employees are working as a team. When I was new, the entire employees helped me to learn the work culture HDFC Bank. In this company my work is to buildup the relationship with customers and to provide leads to the company for opening current account and making relationship with the bank. In present time the customers are not very well aware about the HDFC’s products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATION: In this Company I am working as a Sales Executive. In this Organization my role is to buildup better relationship with Customers, and I promote the current account. My contribution towards this organization like: †¢ I provide leads everyday for opening current account. †¢ I make good relationship between Bank and customers. †¢ I provide awareness about the current account through some demos and calling. †¢ I help in making some useful marketing strategies. 1. RESEARCH INSTRUMENT : A questionnaire was prepared with the relevant questions consisting mainly of closed end questions especially dichotomous type which offered the respondents between only two alternatives either (Yes/No). The respondents were personally met and the collection of information was properly administered to avoid non-respondent error. The primary data is collected by cold calling from respected place of branch. The data is collected by using a questionnaire, which is given as an Appendix at the end of this report. 2. SOURCE OF DATA : The study is based on both primary and secondary data. Most of the findings are based on the data collection through interaction with customers. A structured disguised questionnaire is prepared together the information. Close as well as open-ended questions are asked. Some multiple-choice questions are also included. 3. RESEARCH DESIGN AND METHODOLOGY: Main Methodology -: Collection of Primary data (Consumer and Market Research) through Personal Questionnaires Collection of Secondary Data (Study of various Current Account) through Computer Data, Web sites, Books and Magazines. FIELDWORK: The respondents are personally interviewed, for about 3 to 5 minutes on an average to collect the data. The format prepared beforehand was strictly adhered to. Though it was sufficient in itself and could be matched to prospective respondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful information about the subject of study. RESEARCH ANALYSIS: After the collection of data I have categorize the data into – †¢ Primary Data †¢ Secondary Data As we know the data collected in primary mode is more reliable in the comparison of secondary data. So we depend more on the primary data. SOURCES OF PRIMARY DATA: †¢ Survey †¢ Personal SOURCES OF SECONDARY DATA: †¢ Through internet †¢ Branch manager approvals †¢ Personal vehicle dealers †¢ Brochure of the bank 4. SUMMARY OF FINDINGS: The Housing Development Finance Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. Operating in over 300 Indian cities, HDFC Bank has over 700 branches and 1600 ATMs. It offers personal, NRI and wholesale banking services. Net profit for the March 2006-2007 reached Rs. 1,141.5 crore. In early 2007, HDFC officially entered the microfinance market and opened branches that provide funding to self-help microfinance group. After finding primary and secondary data I find: 1. Customers don’t know about the advantage of our current account. 2. Customers are less aware about the benefits Providing Company. 3. Customers have no more knowledge about the HDFC Bank limited. 4. HDFC reduces the complexity of current account. 5. HDFC provides best way to earn more profit. 6. HDFC is beneficial for making profit and various types of works. 7. The procedure of HDFC is very easy. [pic] 1. SUMMARY OF LEARNING EXPERENCE: HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a World-class Indian Bank. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. So that I learn many important things from HDFC and market are as: 1. I have gained live experience of marketing. 2. I find all types of help from my training in charge. 3. I have gained knowledge in the field of HDFC. 4. I find there are many customers are not aware about the HDFC. 5. I find there are lots of opportunities in the Banking Sector. 2. CONCLUSIONS AND RECOMMENDATIONS: Conclusion HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a World-class Indian Bank. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. . Besides we also have a dedicated technical team as well as customer care services and its procedure is also very simple. Recommendations 1. To provides awareness about Current Account and its uses to customers. 2. To open maximum and Big accounts for getting more profit. 3. To target not only metro cities, target all big and small city or village. 4. To build the customer relationship 5. To improve its marketing strategies 6. To improve its selling process [pic] COPY OF QUESTIONNAIRE: 1. Are you aware about Current Account? a. Yes b. No 2. Are you aware about current account providing HDFC Bank? a. Yes b. No 3. Are you aware about HDFC Bank Limited? a. Yes b. No 4. Are you aware about the procedure of Current Account? a. Yes b. No 5. Is HDFC reduces the complexity of Current Account procedure? a. Yes b. No 6. Is HDFC provides you cheap and best way to earn money and to make you a independent owner? a. Yes b. No 7. Are you aware about the profit volume ratio doing business with HDFC? a. Yes b. No 8. Are you interested to open current account in HDFC Bank ? a. Yes b. No BIBLIOGRAPHY: 1. www.hdfcbankltd.com 2. www.hdfc.in 3. www.google.com 4. Business Today 5. India Today [pic] Sales Executive Team Leader Sales Manager Area Sales Manager Area Sales Head Regional Sales Manager Zonal Sales Manager National Sales Manager