The Impact of Social Idealogy on Virginia Woolfs To The Lighthouse Ess

The Impact of fond Idealogy on Woolfs To the Lighthouse Throughout literature the ideology of the society in which the author was living is evident in the text. This can cause current groups inside a text to be empowered while the new(prenominal) groups are marginalised and constrained by the hearty restrictions placed upon them by the ideology. In the new To the Lighthouse by Virginia Woolf, Woolf shows us an awareness of gender governance during the 1920s Britain by subverting the traditional gender roles but at the equal time naturalises notions of class causing certain groups to be constrained. In the novel Woolf subverts the patriarchial portrayal of feminism with the character of Lily Brascoe. Lily is constructed as an independent character who defies the congenital beleifs of how a woman should act. She does this through her actions in a different title despite Mr Tansleys assertion that women cant write, women cant paint and refuses to marry even thoug h it was a popular printing that all women should marry as an unmarried woman has missed the lift out of life. Instead Lily thought that that she did not need to marry, thank heaven she did not need to undergo that degradation. Woolf applauds this attitude, as at the completion of the novel, Lily is bingle of the few characters who has achieved fulfilment or in her case the completion of a painting begun ten years prior. Yet although the character of Lily and her decisions are applauded in the text, Lily is only enabled to have such an attitude because of her status as a member of the wealthier class. In the novel, class is viewed more as a auspicious structure for the common good than as a structure in which the members of the higher ... ...t notions of class, class and gender were so closely intertwined that men and women of wealthier classes within the text were often privileged while those of the lower class found themselves constrained by the gender roles p ertaining to them. This is often the case as in a particular ideology, as gender roles vary for different social background. Works Cited and Consulted Jameson, Fredric. Social Idealogy in Woolfs To the Lighthouse Twentieth Century Literature, run 1994 v40 n1 p15. Latham, Jacqueline, ed. Critics on Virginia Woolf. Florida University of Miami Press, 1970. OBrien Schaefer, Josephine. Reality in the Novels of Virginia Woolf. The Hague Mouton and Co., 1965, pp. 111-13, 118-25. (Latham, pg. 72-78). Woolf, Virginia. To the Lighthouse. Introduction by D.M. Hoare, Ph.D. capital of the United Kingdom J.M. Dent and Sons Ltd., 1960

Martial Arts Swot Analysis

fuse Martial Arts SWOT Analysis Mixed Martial Arts is a company provides a safe, realistic warriorlike humanities breeding environment that will allowed the students to grow in their confidences by developing the students physical attributes, mental strength, and indomitable spirit. STRENGTHS -A centralize on community aw arenesss by teaching ego defense for all ages -A focus on child development and soften in society -A focus on continued education for adults and groups of engage -The ability to teach all ages about different types of martial arts and explore the abilities of learning them. exceptional startup risk Family friendly environment great for the whole family Provides counseling to individual who have been previously attacked WEAKNESSES Competitors widen similar options We are offering to a specific target securities industry which could hurt us if competition is offering to larger target market. Limited flexibility in programs Competitors have more exper ienced staff. Availability of space. If the situations are especial(a), then the class sizes are limited and there for we would be limited on how many per class at a time. OPPOTRUNITIES Urban, city location or locations with large populations. Womens and children self defense classes. Exploring ADHD and new(prenominal) disabilities or handicaps that lowlife benefit from martial arts. Tournaments or competitions hosted by our facility. An in facility store that sells items like martial arts gear and clothing, training equipment, and self defense items like pepper spray or tasers. expanding upon for online sales THREATS Dwindling local population A shortage of equipment also many local competitors A poor economy Changes in regulations can impact the business Continual insurance costs increasing append in price inputs can cause upward pricing

Blakes Contraries

Yalitza Rufino ENG 102. 7460 Professor Colleran Paper 2 Blakes Idea of Contraries William Blakes poems were created to show the two contrary states. In his poems, he is constantly pass against and challenging the rules of institutions, in specific the church. In The trade union of heaven and Hell, Blake shows his conjecture of contraries with his use of symbols of angels and devils, neat and evil, and especially the comparison between nirvana and hell.The Marriage of Heaven and Hell is a collection of contradictions, and without these contradictions Blake believes that there is no progression. Without contraries is no progression. Attraction and Repulsion, tenableness and energy, love and hate are undeniable to forgiving existence. (MHH lines 8-10) The essence to Blakes theory is that it is necessary for innocence and experience to coexist within a person, that both bully and evil are necessary for progression to occur. Line 8 is the purpose of the poem Without contraries is no progression. worship almost always separates, godliness says that the soul is separate from the body, and that the soul is good while the body is evil. The passive people will go to heaven while the restless people will go to hell. We see this in line 12 of the poem Good is the passive that obeys reason, devilish is the active springing from energy. Good is heaven, Evil is hell. The idea of when your body goes to heaven and your soul lives on or goes to heaven or hell is wrong according to Blake.Blake argues that existence arent natural naturally good, but maybe they are born with the potential to be both good and evil. He rejects the idea that we target only be one or the other either good or self-aggrandizing. Blake always wants us to see the two states of nature. The Marriage of Heaven and Hell, The Songs of Innocence and of Experience, He is always comparing two opposites. Attraction and repulsion, reason and energy, love and hate. All of these are necessary to ou r existence and to help us grow in life. We cant have one ithout the other. Blake challenges everything that is briny stream. He doesnt believe in rules and he especially challenges those of the church. In The Voice of The Devil, line 11 states that God will torment human race in eternity for following his Energies. His contrary says that energy is eternal delight. Evil is the active springing from energy. Therefore Blake is conveying that evil is eternal delight. What he is depiction is that man should not be punished for following evil, instead that sometimes bad can be good.Blake believes that good represses evil energy. He compares angels and devils. Where he views angels to be dull and therefore hell isnt that bad of a place compared to heaven. In conclusion, Blake pushes many limits. He stresses the idea of contraries and their importance. He sees what he views as false as ideas that are necessary to assess what he believes is true. He believes that contraries are crucia l to man but that religion often pushes rules upon us that are one sided. He uses his ideas to repress those of the institution.

Brain Hiccup (Ocd)

Brain Hiccup Obsessive-compulsive inconvenience whizzself (OCD) is a part of anxiety complaint that is characterized by obsessive thoughts and compulsive demeanour. OCD is an illness that in truth makes an impact in the knowlys of the people. This disorder traps its victims in endless cycles of repetitive thoughts and behaviors. This weaken disorder called OCD exhibit obsessive thoughts linked to compulsive behaviors and causes symptoms that be mutinous to treat, exactly medications and cognitive behavioral therapy helps control the outbursts, enabling OCD people to live a fairly normal but challenging life. jibe to Dr Robinson, OCD is the like a necessitatele getting stuck on an old record. Basically he is word-painting how OCD works in the brain and causes people to get stuck on a certain idea or exalt. By this obtaining it causes the effects of organism trapped in an endless cycle. This cycle is caused from recurring and distressing thoughts, dreadfulnesss, or images that the person is stuck on and cant control. This makes it impossible to control, which becomes an obsession, and causes anxiety from non having control of the obsession. This leads OCD victims to an urgent need to perform certain rituals or routines that called compulsion.The alone purpose of a compulsive ritual or routine is an flack to prevent or make the obsessive thoughts go a fashion. This anxiety disorder is a mental illness that genuinely affects and makes those who hasten it suffer. Obsession is one of the instalments that an OCD person will experience by having this disorder. The obsessions are involuntary uncontrollable thoughts, impulses, or images that occur over and over again in their mind. In the beginning they dont understand the obsession and why its happening. Over clock time, they will experience it more and more, which causes them to associate it with a fear and disabling anxiety.They can be may obsess about non shaking hands or touching public doorknobs because of fear of contaminated. Those who fear hurting others will obsess about their actions and the consequences of them hurting someone. Those who fear that things need to line up or be perfect are obsess furniture arrangement, eating habits, or cloth. This obsession causes the nigh anxiety for OCD people. other obsession is inappropriate sexual thoughts, pornographic images, violent emotions, and violent thoughts. The most common obsession in OCD is hoarding, because they fear something bad will happen if they throw away things.Typical examples of things people hoard are useless items, like outdated catalogs or clothing. Obsession can be demonstrated in many ways for OCD suffers, and real impact their daily lives. The second component that is caused from OCD is compulsion. Compulsions are certain acts of behavior that people do to get relieve of the anxiety that was caused from the obsession. They do so by performing certain behaviors, which are rules or routine s that they cast off made up. OCD people display compulsive behavior that is derived from the obsession they have.For example, those obsessed with contamination or germs will compulsively swear out and clean their hands till their raw. They can be compulsive in making sure towels are all the same brand and set correctly. Another compulsive behavior OCD people portray is checking locks on door multiple times, for instance six times before leaving the house. mint with counting and arranging obsessions have compulsive behavior in enjoin and arranging things to be perfect. These compulsive behaviors can become so time devour from the routine they need to do in suppressing the anxiety.Which can really impact a persons life, making it knotty for them to live a normal daily life Even though OCD is a disease that doesnt have a cure for those who have it. provided in that location is treatment for this disease and it consists of medications and therapy. Basically both of these thing s working in concert in trying to help in minimizing the obsessions and compulsions that OCD victims have a hard time relations with in daily life. Because after awhile it becomes consuming and to some it takes over there life and this is why treatment is so important in focusing on using both antidepressant drug and Cognitive behavioral therapy.Both of these treatments give an OCD patient the chance to live a fairly normal life. The first type of treatment is medicine, which consists of antidepressant called a selective serotonin reuptake inhibitor (SSRI). The type of SSRI medication Celexa, Prozac, Luvox, Paxil, and Zoloft. The terra firma why SSRI is the medication used to treat OCD people is they have an imbalanced amount of serotonin in their brain. So by fetching SSRI type of medications are very(prenominal) helpful for OCD people with dealing with the main issue of the disorder, anxiety.This medication is designed to treat and maintain that problem of keeping the seroton in level at a correct amount. The According to Dr Robinson, the main think why SSRI are used in OCD people, because they have less side effects than other forms of antidepressants, less insulation symptoms, less danger in the event of an overdose and overall are considered safer that other types of drugs. The Second type of treatment is Cognitive behavioral therapy (CBT). CBT is a multiple of different therapy types, but the most important for OCD is Exposure and reply Prevention (ERP).This has been shown to be very effective in psychotherapy for this disorder. The reason why it is so effective is because of the technique used in this therapy that really helps OCD people. The reason why this therapy works for OCD is by person being opened multiple times to a situation to trigger the obsessive thoughts. By doing this helps and trains them in being able to tolerate the anxiety and resist the urge of performing the compulsion. This is very helpful because people with OCD have proba bly confronted their obsessions or obsessions.By them trying to confront it and stop themselves performing they compulsive behavior it actually back fires and makes their anxiety go way up. The only effective way is seeking help and being committed to trying to stop this disorder taking over. This anxiety disorder is such a devastating and tear disease for those who are suffering from it. They really face a very difficult and struggling disease. Even though its an anxiety disorder, but its a disorder that has control over them, having involuntary thoughts, which causes them to have compulsive behaviors. The only way to control it is through treatment because there is no cure for it.

Toyota (target costing)

Toyota aim Corporation started as a subsidiary of the Toyota Automatic Loom Works, Ltd. It was founded in 1937 as the Toyota Motor Comp each, Ltd. It changed its name to the Toyota Motor Corporation in 1982 when the parent company unified with Toyota gross sales Company, Ltd. In 1 993, Toyota Motor Corporation (Toyota) was Japans largest automobile company. It take forled well-nigh 45% of the domestic market. Its next largest Japanese competitor was Ionians, with approximately 25% market share, followed by Honda and Mazda, which together represented ab unwrap an reinvigorated(prenominal)(prenominal) 20%.The remaining 10% of the domestic automobile market was made up of several domestic manufacturers, including Issue, and several impertinent competitors, more(prenominal) as Mercedes Benz and the gravid three American smasheds General Motors, Ford, and Chrysler. The domestic and world automobile markets were characterized by Intense competition. Models were brought out rapidl y despite their high development follows. Fractions of a percentage of market share were often viewed as representing the divergence betwixt success and failure.No Globalization Over the years, Toyota had evolved into a global firm. In 1993, a considerable transgress of the firms overseas markets were serviced by local subsidiaries that frequently knowing and fabricate automobiles for local markets. For example, local shews produced al most(prenominal) one-third of the vehicles sold in the North American market. These vehicles were produced in three be afterts, one in Kentucky, an separate in Ontario, Canada, and the New United Motor Manufacturing Inc. (MINIMUM) articulatio venture plant with General Motors.These plants produced approximately 400,000 vehicles per annum, including 220,000 Camera, 170,000 Corollas, and the remainder being bracer trucks. Production volumes for pickup trucks were expected to increase to approximately 100,000 in the next Professor redbreast Co oper of the Peter F. Trucker Graduate Management Center at The Claremont Graduate School and Professor Take Tanana of Tokyo Aziza University prepared this lineament as the basis for distinguish discussion rather than to illustrate all effective or ineffective handling of an administrative situation.Copyright 1997 by the death ch strip and Fellows of Harvard College. To order copies or request permission to reproduce materials, call 1-800-545-7685 or write Harvard Business School Publishing, Boston, MA 02163. No part of this take may be reproduced, stored in a retrieval clay, substance abused in a spreadsheet, or transmitted in any form or by any means-?electronic, mechanical, photocopying, recording, or oppositewise-?without the permission of Harvard Business School. This document is veritable for use only by Lingua Wang at Chinese University of Hong Kong until whitethorn 2013.Copying or posting is an infringement of copyright. email&160protected Harvard. Du or 617. 783. 78 60. 197-031 few years. In 1994, the firm expected to amaze exporting vehicles from North America to markets such as Japan and Taiwan. In addition to automobiles, the firm also manufactured and sold forklifts. Toyota take careled 70% of the forklift market in the United States. The kindred allegiance to local manufacture and control was apparent in Toasts other major overseas markets. In Europe, 2 brisk UK plants began producing to reach 100,000 by 1995 and 200,000 units in advance the end of the century.Altogether, Toyota vehicles were either manufactured or assembled in more than 20 nations. These local manufacturing facilities provided Jobs for nationals and commercial enterprise for local supplier firms. The relative importance of the outside(a) supplier business to Toyota was increasing. In 1992, for example, Toyota secured locally approximately 70% of its separate requirements (or $5 trillion) for its North American operations. The other 30% was imported from Japan , yet this percentage was expected to decrease over time. By 1994, Toyota expected to purchase $6. Billion of parts from local suppliers worldwide and import $2. 9 billion for domestic use. Supplier Relationships Product number was also international in scope. Salty Research, Inc. , a Toyota subsidiary formed in California in October 1973, was responsible for the body styling ND interiors of hot stupefys accountd for merchandise in North America. The origination styling for European markets was coordinated from the firms blueprint and technical centers fit(p) in Brussels. Third-party suppliers were responsible for approximately 70% of Toasts parts and materials.In particular, the represent and select of third-party supplied parts was considered critical to the firms success. In recent years, Toasts expansion into international intersection point had indispensable increase interaction with non-Japanese suppliers to raise their efficiency and look to the resembling d irect as that of Toasts Japanese suppliers. Etc To help non-Japanese supplier firms manufacture refreshing parts, Toyota had developed programs to transfer Japanese manufacturing techniques. At the heart of these so-called flesh-in programs was Joint work by suppliers and Toyota maneuvers on impertinently components.This Joint work began in the early branchs of the vehicle- development process, because prospective suppliers cited a lack of involvement in the early stages of vehicle design as an obstacle to winning business in highballs components. In a characteristic design-in program, several designers competed for a part interact the firms were evaluated on the outlays bid, the technology applied, and their performance. The winning firm was granted a contract for the life of the manikin. When the next model was developed the contract was formerly again thrown open for bidding.By 1993, more than 120 U. S. Suppliers had participated in design-in programs and firms were el usive in such programs and had yet to sign contracts for parts. A akin(predicate) program was in place in Europe. Toyota engineers also helped its overseas suppliers to see the Toyota Production System. Many Toyota overseas suppliers had now successfully implemented circumscribed erosion of the Toyota Production System. The system contained four key elements just-in-time wareion, Kanata, total quality management, and multi- proceedal work team ups. near-in-time production avoided the build up of excessive work-in-process inventories and increased the firms mogul to respond quickly to customer demands. Kanata was the driving force behind KIT, bind production closely to customer demand. Total quality management ensured high-quality products and minimize the risk that the disgraced levels of inventories would lead to stock-outs because of poor-quality components. Finally, multi-functional workers, capable of performing several tasks, dealt with the increased complexity of the production process. 2 exist Planning Cost training at Toyota worked to reduce product tolls at the design stage.Toyota starting signal sit its cost intend objects and thus manage out to win those goals through aggressive design changes. To correctly assess the gains made, the exact metre of cost decrement achieved through design changes was pictured after excluding all other factors that affected cost, such as increases in material and labor sets. The meter process started with cost tables that helped engineers estimate he current cost of alert models. These cost tables were kept up-to-date for changes in material monetary values, labor rates, and production volume levels.The updated production volumes helped detect both depreciation and overhead charges that would be allocated to the new model. Comparison of this estimated cost to the vehicles heading cost gave the desire level of savings, or cost-planning goal, as it was called. At the loot-estimation stage, also referred to as the lay cost- reach stage, Toyota reason the differences between the costs of the new and current models, strutted the appropriate portion of the cost-reduction goal to the design divisions, and then assessed the results. pelf cigarets for the life of the new model were also measured as differences between estimates and bottoms. This process constituted the essence of budget control at Toyota. Toyota clearly specified cost reduction goals for each control unit to ensure that the companys overall goals were attained. Target Costing Toyota invented its level be approach in 1959. Although many major manufacturers in Japan use target costing, Toasts system is the oldest and insider by many the most technically advanced.While the root of systematic cost reduction had existed at Toyota since it was founded, the process was first codified in the mid-sass, when the firm set itself the objective of producing a $1,000 car. Existing cost estimation played a role in target costing, but there are differences between the two. First, cost estimates relied upon active ideals while target costs were adjusted for any future savings due to design changes. Second, cost estimates had a horizon of six months while the horizon for target costs was the time engaging until the launch of the new product.Target costing brought the target cost and the estimated cost of a product into line by burst specification and design. Toasts target costing system was intentional not just now to estimate the cost of new products but to enable a product to attain its profit targets throughout its life. Product Planning Toyota used two broad categories of product development, one for completely new types of automobiles and the other for changes to existing models. The development of an entirely new model, such as the Lexus, was relatively unusual. virtually of the reduce development projects focused on modifications to existing models. Japanese passenger cars commonly underwent major model changes every four years. However, recent industry trends suggested that the full point between full model changes may The firm used target costing primarily to support model changes, though the same frequent cost control procedures were applied to the design of entirely new vehicles. Cost estimates for new vehicles involved a greater degree of dubiety than for model changes. 3 A model change began with a proposal from header engineers for development of a new model.The proposal usually included Specifications such as size (length, width, wheelbase, and interior space), weight, mileage, engine (type, displacement, and maximum power), transmission (gear and extenuation ratios), chassis (suspension and brake types), and body components Development budget Development schedule and Retail hurt and sales targets. New models basically maintained the same product concept as their predecessors. Styling was not specified at this stage usually no more than a vague i mage was mentioned. Most of the cost incurred in any model change was for prototyping. Retail Prices and Sales Targets oodles.The retail wrong remained the same unless a change in function or performance altered the perceived hold dear of the vehicle in the eyes of the customer. In theory, therefore, prices changed as the perceived pass judgment of the vehicle changed. regulation for List Price of a New Model The selling price of a new car model was composed of the selling price of the equivalent existing model plus any incremental value due to improved functionality. For example, adding air learn to the standard transformation of a model would increase its price by the value of air conditioning as perceived by customers.The incremental value of a new model was determined by analyzing market conditions. Because the automotive industry was mature, most new features already existed in whatever form on other models. For example, if air conditioning was to be included in the stan dard version, its added value was determined using the list price of optional air conditioners for other models. In the unlikely event that no equivalent option existed, then the firms design engineers and market specialists would estimate how much customers were willing to pay for the added feature.The price increase for an added function did not always commensurate its selling price as a attendant option. The incremental price for an increase in functionality might be lowered because of the firms strategy for the vehicle and because of competitors pricing strategies. As functions were added to the standard version, Toyota increased the selling price until it reached the upper limit for that class of vehicle. When this limit was reached, the only potential benefit from adding functionality was increased sales.Because new models were discoverd some four years after the design project began, Toyota delayed setting the functionality of the standard version as long as possible. There fore, the target price and margin for a new model, and thus the associated target unit price, were set quite some time before product launch. The exact functionality of the standard version was set only when factors such as competitory offerings, foreign exchange rates, and user demand were better understood. Changing the functionality of the standard version increased the probability that the new model would achieve its 4 desired level of profitability.Similarly, the essential selling price was not fixed until Just before product launch. Delaying these two critical decisions reduced significantly the uncertainty faced by the firm. For example, suppose the incremental value assigned to an air bag in the US market was $450 but the competition had set it at $700. In this case, Toyota might increase its price by the difference. Similarly, if the competitive prices were lower, Toyota would drop its prices to match. The sales division proposed anticipated production volumes based upon prehistorical sales levels, market trends, and competitors product offerings.The sales division typically proposed a figure that was considered safe (I. E. , achievable), based upon the models current sales level. Optimism was restrained in favor of realistic goals. Development Plan Assisted by engineers in the design, test-production, and technical divisions, a chief engineer drafted the development plan for the new model and then led the development project. Well over a hundred engineers from the various divisions worked with a chief engineer on a typical project, but since they belonged to unlike divisions, probably only about a dozen people reported directly to the chief engineer.In this sense, the chief engineer was more a project leader than a supervisor of product development. The chief engineer coordinated the design process at the design divisions, which were relatively autonomous the chief engineer was expected to develop a concept for the new vehicle that spanned multipl e design divisions. Toyota considered the tensions created by this intercellular substance approach beneficial to the creative design process and worth any conflict that might arise. Toyota set the cost-planning goal based upon the product plan and the targets for the products retail price and production volume.Because an estimated price had the expected profit from product sales over its production life (usually, four years). The products target cost was the unit cost upon which the profit target was based. Calculating Target Profit and Target Cost Toyota mensurable the lifetime target profit for a product, such as the Celiac, by multiplying the target sales volume by the models return on sales (or, as it was known at Toyota, profit ratio of sales). Toyota set the sales profit ratio with reference to the corporations semipermanent target profit ratio.Estimated cost was determined from the firms cost tables. Estimated profit was calculated using this figure. Estimated profit was les s than the target profit because the target cost included the estimated cost savings due to value engineering and other cost reduction activities. The difference between target and estimated profit was the kernel to be cut from costs through cost planning. The cost-planning goal was obtained by subtracting the estimated total profits from the target profits.The goal of cost planning was to determine the unit profit needed to achieve the profit target, and thus the gist to be trimmed from the new products cost through cost planning activities. Estimated profit equaled the retail price minus the estimated cost per unit quantify the production volume. As cost reduction activities were implemented, the products estimated costs decreased. If the goal was achieved, the target cost and expected cost became equal, as did the expected and target profits. Estimating difference Costs Rather than adding together all of the costs for a new model, Toyota added the determined at the major func tion level. Thus, cost planning could begin even before blueprints for the first test model were drawn. Also, estimating the total difference instead of the total cost tended to be more accurate because the typical new model was heavily based upon existing designs. Trying to estimate the cost of a new vehicle from scratch would, in managements opinion, introduce more errors than using existing data and modifying it accordingly. And it helped the related divisions understand cost fluctuations. The approach was more helpful to the design divisions because it highlighted the areas of the new model that were different from existing designs. New designs required most of the work in the design divisions. Thus, the estimated cost of a new model was the cost of the current model plus the cost of any design change. Thus, for every increment in the functionality of a new del there was an estimated incremental price and cost.This approach allowed the firm to measure the incremental profitabili ty of each new function it reinforced into a new model. A full model change required many design modifications. Consequently, the cost of the design change was broken out into the costs of a number of different design modifications. The design team analyzed each modification and assigned it an estimated cost. The sum of these cost estimates had to equal the cost planning goals for the new model. Estimating differences helped clarify the cost-planning goal and wowed accurately how much was accomplished through cost planning.Cost planning focused on new model design. Its effectiveness was measured as the amount of cost reduction achieved through design. Therefore, other factors that affected cost, including wages and fluctuations in indirect costs incurred by related divisions, had to be eliminated from overall cost reduction in order to identify the portion due to cost planning. By hole the cost of the current model and calculating the differences between the current and new models, Toasts system dealt only with cost changes resulting from changes in design and production volume.Without actual drawings for the new model, the estimate often began with Just an idea. Since rough sketches provided by the design division were often the only sources of information, estimates were made under the guidance of the cost planning division rather than the accounting division. Toasts 20 design divisions designed each major function of the new vehicle, including the engine, transmission, air conditioner, and audio system Because the people at the design and cost planning divisions had the latest in-house

LGBT: Standing for Their Rights and What’s Right Essay

If you were to impinge on a student in charter what would you do? You would intimately likely step in and help that person. Am I decline? Now what if that student was an LGBT student? You would close likely expect more time to process the benefits and consequences of stepping in and making a dissimilarity right? Well when it comes to that statement I have to say that you be incorrect. It is the responsibility of both person, including you, to help a student in need no matter who that student is and regardless of the consequences. Nevertheless, LGBT individuals, including students, be the minority that is the most targeted once against. We can no longer afford to let this in unspoiltice happen as long as there atomic number 18 people that endure who can gull a difference. My friends the time for change is HERE and NOW. With those spoken language I say this. Every individual who supports the rights of a fellow student, the LGBT student, should gift their time and mone y to the Southern Poverty police Center as they strive to ensure the rights of LGBT students through the social function of legal action, educational campaigns and combating the so called alteration therapy.The Southern Poverty Law Center (SPLC) campaigns for rights for LGBT students through their educational campaign known as the T to each oneing security deposit Program. The Teaching Tolerance Program is a project of the SPLC whose purpose is to help educators improve their educational activity methods through methods such as professional development and various activities inside the classroom in order to compose a more recognize and cultivating environment. The program has recently released Bullied in 2010. Bullied is a documentary for anti-bullying release passim the United States. The document is made for use in the classroom and avail for educators and highlights the tale of a student who struggled to bide up for whats right against his anti-gay torturers.Although m a ny know slightly the need for rights for LGBT students, on the other hand, there are those who may comment that there are those that refuse to perceive to those who attempt to campaign peacefully and with reason. But its easy to see that there are many people out there who pose absolute support for rights of ALL fellow citizens if we took a look congest at news report. An excellent fashion model is Abraham Lincoln, who worked to end slavery once and for all. If a president is able to take the time out of his schedule to bring through this feat, then we as Americans should be able to do the same for LGBT rights. afterwards all is this no the land of the FREE and the home of the BRAVE? allows follow the examples of our forefathers and campaign to make this world a lower-ranking better each day.In addition to educational campaigns, the SPLC exerts their energy, time, and resources for the rights of LGBT students through the use of legal action which includes but is not limite d to proceedings against policies unpeaceful to LGBT students. This is done thanks to the help of our very own Constitution. For example, lets say that a student wants to wear clothing or any accessories that show their support for LGBT rights but the school that he or she attends leave behind not allow him or her to wear it. It is then clearly ostensible that the school is in violation of that students natural frontmost amendment rights which allows the right to free expression.The alone time that the school can veto you from wearing anything is if the clothing is obscene or has gang related elements. that some may say that legal action leave only continue to heighten backlash against the LGBT community and therefore only make the situation worse. On the contrary legal action has helped hundreds of students for the rights when there are times that ultimately call for legal action. After all, now and again there have been occasions where words of expression and educational c ampaigns but arent enough.Furthermore, the SPLC alleviates LGBT students by function to put a stop to this so called conversion therapy. Conversion therapy is a lethal practice based on the presupposition that people can alter their sexual orientation. However this cannot be true. why? Everyone, including the SPLC knows for a fact that people are BORN gay or straight not made or altered. Being gay, lesbian, or emasculate is not a form of mental disease or a pathological condition. Sometimes we as human beings do not name that we do not have the power or the right to rig any of Gods creatures whatsoever.Luckily, Conversion therapy has been discredited by every major medical organization as there us roughly no evidence that conversion therapy is even successful. Yet there are some who articulate depending on their point of view that if an LGBT individual wishes to qualify his or herself then we should let them. However it is unmistakably clear that most LGBT individuals do not w ant to be converted. People who went through conversion therapy have had increased anxiety, depression, and even suicidal intention. In a demand made in 2002, 88% of individuals failed to turn homosexual, while only 3% changed their orientation. The rest had no change whatsoever.In the end, The Southern Poverty Law Center uses educational campaigns, legal action, and combat of conversion therapy. LGBT students are only when like us. They are us. They are a part of this world just as much as we are. They are a prime example of what the United States of America are all about the freedom of each individual to choose just how they want to live regardless of the consequences and obstacles that stand in their way. Therefore let us illuminate the problem of attacks on LGBT students so that we may better grasp the situation and work unitedly to fight for a noble cause. For if we do not learn from history and change ourselves for the better, then we can never truly overcome our obstacles and we will ultimately end up within the remnants of our own downfall. Think about it.

Capitalism According to Karl Marx

Capitalism Harmonizing to Karl MarxInThe Communist Manifesto, Karl Marx evaluates the effects of expectantistic economy on confederation and asserts that it has both positive and negative constituents. Marx states that swellistic economy ends feudalistic system, establishes the universe market, develops a more expeditious commercialism, agglomerates population, and increases the technological procedure whatsoever bit good as communicating on land. However, Marx is extremely faultfinding of capitalisticic economy. He honors the steep course division between the touch sensation midriff category and the tuging proletarian categories and acknowledges this as a cardinal mar in the party. He views the category division as a achievement of historical forms. Marx disagrees with the Southern Cross of capitalist society and its strong focus on pecuniary dealingss. He considers the subjugation of the adders will imminently backbone the overthrow of the place(a) menage. M arx makes a persuasive and perceptive statement analysing the advantages and disadvantages of capitalist economy, while foretelling its eventual death. Marx underscores this theory by prefering socialism as a gradual replacing for capitalist economy, which would so germinate into to perfect socialism.Feudalism, from Marxs position, was an inefficient economic system that no eagle-eyeder sufficed for the bit wants of the new markets ( 10 ) . Marx credits capitalist economy with the terminal of feudal system. The feudal system was no greater compatible with the turning procreative forces feudal system was curtailing the really productiveness and exchange of the fabrication intentness. As demand for new merchandises continued to lift, universe markets continued splay outing. The essence was the fabrication system, which had later glum into the giant, modernistic industry ( 11 ) . by dint of industry, there was an instant progress in production. The addition in the stop num ber and efficiency of production helped come on the invention of new applied science.In add-on to stoping feudal system and h core-ageding created a more efficient economic system, Marx juts capitalist economy as going a revolution. Marx takes note that the productivity of the fete outing universe markets was the fastest of all clip witnessed earlier. The middle grade during its regulation of scarce one hundred old ages, has created more monolithic and more prodigious productive forces so contribute all preceding coevalss together ( 14 ) . Capitalisms working out led to the formation of a well-developed commercialism, pilotage, and land communicating. As a core of those accomplishments, there was a growing in urbanisation, increased capital, and the invariable betterment of industry ( 11 ) . The middle class has subjected the state to the regulation of the towns. It has created severe metropoliss, has greatly increased the urban population as compared with the rural, and has therefore carry through a considerable portion of the population from the idiocyofrural life ( 14 ) . Marx argues that the specifically capitalist system of production and itsurban systems incorporate people and compelled them to interact in a mode that was unprecedented in rural countries. Later, Marx will see this efficient economic revolution as the stepping-stone towards Communism. Capitalism contributed vastly towards the schooling of the modern province.Although the replacing of Feudalism did present an improved economic system, Marx disputes that it did non allow the devastation of its category hostility. The ii categories within society were resolutely let out and developed into two obviously contrasting categories. A hierarchy was organise with the middle class on top as the opinion category and the laboring workers on underside. There were no societal differentiations between the two categories besides their differing functions in capitalist community. From the outgrowth of this new industry came its leaders, the modern middle class, and the workers, the modern labour category, who live merely so long as they find work, and who find work merely so long as their labour additions capital ( 16 ) . Marx characterizes the mercenary middle class as opinion over the workers thanks to the go oning addition of capital and closed-door belongings. The workers were a agency of production, no longer necessitating any specialise accomplishments like before capitalist economy they were an appendage of the machine ( 16 ) . The middle class has stripped of its aura every business so far honored and looked up to with reverent awe ( 12 ) . Occupations that were one succession considered to be skilled labour were losing their prestigiousness as their specific accomplishments were rendered vain under new methods of production ( 17 ) . The middle class assay to deskill their places and therefore rid society of a in-between category. By deskilling doctors , attorneies, and priests, the middle class could force these workers into the labor category where they could work and suppress them with some(prenominal) greater easiness. The lower strata of the in-between category began to drop into the workers as good. Nonetheless, an spread outing labor category was deriving in both Numberss and in strength thanks to the steps which unified workers under capitalist production.Marx criticizes capitalist economies ageless demand for the revolutionizing of production and the instability that this causes. The ever persistent uncertainness and zymosis distinguish the middle class era from all earlier ones ( 13 ) . He sees this as contradictory and irrational because it is non executable to anticipate lasting uninterrupted growing and enlargement for economic success. The demand to constantly spread out ones market drives the middle class to work markets all over the universe. All that is solid thaws into air ( 13 ) . metaphorically talking, Marxh ighlights the instabilities within capitalist economy. He underscores that the ceaseless demand for growing leaves capitalist economy without a solid foundation.The middle class, as Marx puts it, played a most radical role ( 12 ) . The middle class may hold ended the feudal ties that bounded people to their natural higher-ups, and they established the workman as merely a paid wage-laborer, without any personal worth ( 12 ) . Marx believes that the middle class have minor the working-class adult male, the worker, into nil more than a trade good. He goes on to state a category of labourers, who live merely so long as they find work, and who find work merely so long as their labour additions capital ( 16 ) . Marx claims the workers have no single character and go obviously a beginning of capital for the middle class. The laden workers would finally get the better of this by subverting the middle class.Marx believes capitalist economy will, at one billet, no longer be compatible to run society. The workers do non come on with the increasing industry They sank deeper and deeper below the conditions of being of their ain class ( 22 ) . The middle class relied on capital. Capital is merely produced every bit long as the wage-laborers are portion of production. However, in capitalist economy, competition with engineering unfolded and imperil the wage-laborers topographic point in production. The proletarians topographic point in production regressed and became threatened of bing. Marx states that the middle class are no longer hold to be the ruling category in society, because of this. The workers, who have no self-will of belongings or mogul over productive forces, were the bulk of society hence, their battles should be the battles of the state ( 21 ) .Marx theorizes that the workers would subvert the middle class hierarchy fueled by their ain category battle. The middle class in respects to capitalist economy, in Marxs position, was like the magic ian who is no longer able to command the bureaus of the nether universe whom he has called up by his spells ( 15 ) . The middle class developed excessively a lot occasion over the on the job category and enslaved them by the machine, with changeless labour ( 17 ) . Marx stated that the middle class oppressed the workers to the point of revolution and overthrow. What makes the workers capable of subverting the dominant middle class was that they had increased in figure and strength, retentivity become more greatly concentrated in the multitudes ( 18 ) . Ironically, the enlargement of capitalist economy under the middle class is what assisted the workers in doing the overthrow possible. The workers were better able to pass on with one another through the improved engineering. Furthermore, the workers could form themselves into labour brotherhoods that could identify statute law to be passed in acknowledgment of workers involvements. Marx establishes the fact that the middle clas s become so consumed by their power from capitalist economy, that they lose sight of how laden the workers become. In response to the failures of the middle class towards intervention of the workers, and the proletarians rise to laterality, Marx presents Communism.The Communist party sought the overthrow of middle class domination and the rise of power from the workers ( 23 ) . The Communists represented the involvements of all workers, and do non organize opposing propertyless parties. How the Communists achieved this, Marx inside informations, is that they abolish private belongings. By acquiring rid of private belongings, the anchor of capitalist economy, the middle class lose their societal power and go at equal footings with the workers. They converted private belongings to greenness property so that they could acquire rid of category character, which separated the workers from the middle class. The Communists besides sought the elimination of the proletarians lowly map in ca pitalist economy, to increase the bourgeoisies capital ( 25 ) . Alternatively, the Communists wanted to rivet all instruments of production in the custodies of the state so that there would non be power in the custodies of the few ( 31 ) . The overall end of the Communists could be seen as no longer dimension the category hostility as were in capitalist economy, and holding the whole state be in control of the production so that there was no laden category.Although Marx sees capitalist economy as holding positive benefits in society, he does non believe it was the right way for society to follow. Capitalism made headroom towards a genuinely revolutionized modern province. It increased productiveness among universe markets, introduced new engineering and communications, and achieved industrialism. However, category hostilities were non eliminated, and alternatively became more profoundly embedded. The middle class and workers had turned into two viing categories through capitalist economy. Materialism was more extremely regarded than individuality, holding led to the workers suffered. Marx sees capitalist economy as the measure towards accomplishing pure Communism. Communism would acquire rid of the societal hierarchy founded in the capitalist system, holding made the workers equal. In decision, Marxs persuasive and perceptive essay in effect answers why capitalist economy overall does non function good for the working-class, and was or else a needful revolution for the measure towards Communism.

Culture of Bangladesh

Culture of Bangladesh Bangladesh might be known as unrivalled of the poorest countries in the world further this country is also cardinal of culture and traditions. Most people know that the Bangladesh poorness rate is one of the highest in the world and yet although many visitors would expects to see only poverty in this country the truth is that there is much more to Bangladesh than it may seem.Not only for those who care Bangladesh is still a developing nation but it is also a country that managed to combine the past mystifying in traditions and its own culture with the present, a world in which globalization is over and everything. Read more about the Bangladesh culture and something else than the economy of Bangladesh. The Bangladesh culture is rich and it is thought to be so thanks to the long and troubled memoir of the country. There is much to learn about the literature, entertainment and cuisine in this country and here you can read about these.It is said that the s oonest piece of literature produced in Bangladesh was written in the 8th light speed and the main language used to pass on the culture and traditions by dint of literature is Bengali. Experts claim that the Bangladesh literature was able to reach its full emf in the 19th century after surpassing a catch in which it was dominated by religious literature or merchandise literature, meaning literature simply translated from other languages. Entertainment also plays an master(prenominal) role in the Bangladesh culture.The music involves mostly lyrics and little instrumental accompaniment, peculiarly if one talks about the traditional music. Some traditional melodic instruments include the ektara, dotara, dhol, flute and table. When it comes to movies, it is estimated that the country produces about 80 movies in a year, of which the mainstream Hindi movies tend to be the most acclaimed and popular among the different categories of viewers, in the country and outside its borders.

Pens vs. Pencils Compare/Contrast

You atomic number 18 in the middle of theme the beat step forward storey of your life. Every word is rolling off of you with fill-in you tang as if nothing could stop this continuous flow of ideas, and thus bourgeon Thats the sound of your spellcil lead breaking. You induct up to level the utensil, only find that you run through no federal agency of doing so. You get out a small pocket knife and suffer deadly whittling the quit, hoping to perk up some sign of the soft graphite showing, so that you whitethorn keep up your story, which is quickly evaporating from your brain.As you wait in the hospital emergency room, stemma drip mould from your punctured good deal, you realize that you bequeath never remember the prohibit of the story you were make-up, and you conjecture to yourself, Could anything be worse? Would a create verbally take aim save my finger? Well, my answer Maybe. You make many finales throughout your life, but star quandary that presents itself on a daily basis is the ratiocination amid piece with a draw up or a pencil. Although some(prenominal) a pencil and pen function in very well the identical way, there exist some key balances between the deuce. Pens and pencils ar connatural in a large number of ways.First, they both(prenominal) are apply for create verbally and are essentially the same cylindrical shape. Also, they give both stilltually, if used enough, be rendered useless the pen by tally out of ink, the pencil by running out of lead. Both a pen and a pencil piece of tail be relatively chintzy to barter for also, and both can be erased, although the mark of a pen is a great deal more difficult to remove. Recognizing all of these similarities, one may begin to think that pens and pencils are nearly the same, but this is far from true. One study(ip) way in which a pen and pencil differ is in the distance of example. galore(postnominal) pencils are quick to break, requiring sharpening a gain and again, while you are laboured to hold back helplessly as your recent pencil quickly transmutes into an mucilaginous ambo of a writing utensil. Pens, on the other hand, never adopt sharpening, and they will often conk days and days longer than even the trump of pencils. This is not even to mention the annoyance of losing a sucker new pencil eraser the first time you use it, because it decides, instead of grant neatly and doing its job of effacing the misplaced mark, to completely snap off when the lightest of pressures is applied.Surely, the ratifier is familiar with this hazard and can see that the longer length of usage hand overd by a pen far outweighs the, some might say, reward of the erasability of pencils. The major difference that can be noticed between these two utensils is more subtle. In regards to the feeling in the hand of the movement of the writing utensil, the difference between writing with a pen compared with using a pencil is nearly the same as the comparison between writing with a smooth, brand new Expo marker and scraping your alter nails deal a two hundred-year-old crusty chalkboard.One is smooth, the other is not, and gratingly so. Many peck prefer pens for exactly this reason the smooth feeling of writing with one. Where pencils can be rough and, if poorly sharpened, irritatingly dull, pens rarely fail to entrust a smooth writing experience. Pens and pencils, though seemingly very similar, in fact, have a few major differences, and these differences show the advantages of using a pen. A pen will not normally break and will last a lot longer than a pencil.Pens also provide a smoother writing experience and do not fall apart a feeling of scraping a chiseled piece of waver against your work. So, bordering time you have the decision to make between a pen and pencil, choose wisely, and remember these words if you make the wrong decision and end up in the hospital with your whittling knife stuck in the flip ones wi g of you hand with the best story you have ever contrived lento erasing itself from your mind.Pens vs. Pencils Compare/ContrastYou are in the middle of writing the best story of your life. Every word is rolling out of you with ease you feel as if nothing could stop this continuous flow of ideas, and then snap Thats the sound of your pencil lead breaking. You get up to sharpen the utensil, but find that you have no way of doing so. You get out a small pocket knife and begin frantically whittling the end, hoping to see some sign of the soft graphite showing, so that you may continue your story, which is quickly evaporating from your brain.As you wait in the hospital emergency room, blood dripping from your punctured hand, you realize that you will never remember the end of the story you were writing, and you think to yourself, Could anything be worse? Would a pen have saved my finger? Well, my answer Maybe. You make many decisions throughout your life, but one quandary that presents itself on a daily basis is the decision between writing with a pen or a pencil. Although both a pencil and pen function in very nearly the same way, there exist some key differences between the two. Pens and pencils are similar in a large number of ways.First, they both are used for writing and are essentially the same cylindrical shape. Also, they will both eventually, if used enough, be rendered useless the pen by running out of ink, the pencil by running out of lead. Both a pen and a pencil can be relatively cheap to purchase also, and both can be erased, although the mark of a pen is often more difficult to remove. Recognizing all of these similarities, one may begin to think that pens and pencils are nearly the same, but this is far from true. One major way in which a pen and pencil differ is in the length of usage.Many pencils are quick to break, requiring sharpening again and again, while you are forced to watch helplessly as your new pencil quickly transmutes into an embarr assing stump of a writing utensil. Pens, on the other hand, never require sharpening, and they will often last days and days longer than even the best of pencils. This is not even to mention the annoyance of losing a brand new pencil eraser the first time you use it, because it decides, instead of yielding neatly and doing its job of effacing the misplaced mark, to completely snap off when the lightest of pressures is applied.Surely, the reader is familiar with this hazard and can see that the longer length of usage provided by a pen far outweighs the, some might say, advantage of the erasability of pencils. The major difference that can be noticed between these two utensils is more subtle. In regards to the feeling in the hand of the movement of the writing utensil, the difference between writing with a pen compared with using a pencil is nearly the same as the comparison between writing with a smooth, brand new Expo marker and scraping your sharpened nails down a two hundred-year- old crusty chalkboard.One is smooth, the other is not, and gratingly so. Many people prefer pens for exactly this reason the smooth feeling of writing with one. Where pencils can be rough and, if poorly sharpened, irritatingly dull, pens rarely fail to provide a smooth writing experience. Pens and pencils, though seemingly very similar, in fact, have a few major differences, and these differences show the advantages of using a pen. A pen will not normally break and will last a lot longer than a pencil.Pens also provide a smoother writing experience and do not give a feeling of scraping a chiseled piece of rock against your work. So, next time you have the decision to make between a pen and pencil, choose wisely, and remember these words if you make the wrong decision and end up in the hospital with your whittling knife stuck in the pad of you hand with the best story you have ever contrived slowly erasing itself from your mind.

Don Juan: Lord Byron †Summary and Critical Analysis Essay

wear off Juan is a vast creation and it is not always interesting there are many dull stanzas in which Byron says nothing interesting. nevertheless despite some weaknesses in structure, characterization, and philosophy of life, gain Juan is an epic carnival. It has scope, miscellany of tender-he maneuvered experience, common sense, much number for laughter, clever and witty observation, ease and fluency that is why Walter Scott said the it has the variety of Shakespeare. tire out Juan was intended as a banter on abuses of the stick in states of society. It is a quietly mocking satire on everything, and a practiced satire on the hypocrisies of high society, the false glory associated with war, mans pursuit of fame, the little devices by which people try to deceive themselves, the human penchant for rationalization, It ridicules things in a unique tongue-in cheek manner that strikes, without be to, everything on its way. In general, the style, of Don Juan is the easy convers ational or informal style.See more how to write a good critical synopsis essayByron has written this poem in the Italian ottava rima, or eight-line stanza, the poetic form favoured by the Italian satirical writers of mock-heroic romances. The rhyme scheme of ottava rima is abababcc. But Byron apply a lot of a new comic rhyme, forcing delivery and unusual rhymes to hint at the incongruity and satires beneath. He has also used the concluding couplet to round off the whole stanza by bragging(a) a sudden twist or commentary on the introductory lines themselves. The witticism and the anti-climax, or a swift f on the whole from the lofty-sounding idea to the low, that surprises the reader are also other features in Don Juan. The style of Don Juan is the antithesis of the grand style. It has the easy going laxity of ordinary conversation. In fact, Don Juan has not one style but a multiplicity of styles or tones, the medley style grave, gay, serious, ludicrous, sentimental, laughing, ironic cynical, urbanely, naughty, wittily outrageous, unexpectedly twisting long-familiar figures of speech and infusing them with fresh vitality, and accomplishing all these along with the most ingenious poetic devices of rhythm and rhyme imaginable.It stands in debt to the Italian comic-epic poets for its ottava rima verse form, its manner and mood, pass lack of coherent construction, length determined by the will of belief of the poet, variety of incidents and digressions, and for the startling alternations of mood and pervasive modernity of spirit. The rapid tendency from romantic seriousness to burlesque suggests a Chaucerian quality, the same movement amidst romance and burlesque, chivalry and bawdry, ideal and real. Perhaps the most conspicuous indication of the Junoesque style is the conversational and colloquial tone. What the poem most oftentimes attacks, in love religion, and social relations, are very considerable vices-sham, hypocrisy, complacency, oppression, greed, and lust. Furthermore, the satire constantly though silently assumes as more all positives the qualities of courage, loyalty, kindliness and above all, total candor, it merely implies that these virtues are excessively rare, and that the modern earthly tinct is not constituted to reward to encourage, or even to recognize them when they contact their appearance.The society and civilization represented by Don Juans acquire, Julia and their partnership is the most important object of satire in Canto I. They believe in the morality of exhibition if they appear moral. It doesnt matter what they do They abolish in all possible ways the natural impulses of the natural tiddler or man. This issue brings us to another crucial thematic concern of Don Juan Juans mother, like a typical civilized individual tires (though hypocritically and unsuccessfully) to thwart all the natural desires of the child while she tries to initiate him all the dead languages, religious sermons that he cant understand, the art of war to the child (riding, fencing, gunnery and how to climb a fortress or a nunnery), expurgated classics (which posed problem with filthy loves of the gods and goddesses who roamed in public without halal bodices), and the likes.But one should note that his mother used to read all the filthy stories herself. But a few stanzas later we find that his mother doesnt care when Juan begins to have immoral relations with her neighbor Julia, because she was incensed with Julias old husband who had rejected her love in her youth. Where wherefore does a good education go (beyond a hypocritical theory) in this scheme of things in a civilized society? Don Juans mother is afraid to see him grow up into an adolescent This tells us how our societies reject the natural processes of life and the realities of natural impulses, and seeming to be punter than the nature itself, destroy all potential good in man.

Young people enjoy life more than older people

Young people enjoy flavor more than older people do If we consider the life of a human as a movie of ours, then we can basin those 3 hours of time as 3 ages (1 . Illumination (Childhood &038 Teenage). 2. Interval (Young age) 3. sexual climax (Old age)). As we all know that in 1st criteria we depart rich person Time, &038 Energy but not m superstary. In young age we w crazy have money and energy but no time.Similarly in the IANAL branch of life we will have money and time but no energy. We can observe the unlimited desiring heart in both fry and young ages in a human. Obviously most of the people cant act as their desires due to insufficient resources. In the old age the man is desire a completely filled water bottle with lots of envision &038 achievements but totally lack of energy. And that was the time for him/ her to retire from his responsibilities.But as they argon also weak there are numerous Hansen of getting ill and stuck to bed. Enjoying life means finding satisfac tion In every back up we live. Coming into reality if we ask the same question to all groups of ages we never get a positive reply as everyone has their own problems track in their minds. That means people are pessimistic towards themselves and optimistic towards the rest. Thats the chief(prenominal) problem. This sort of pessimism is observed unfortunately in all age groups.If one changes his attitude towards his life that second will be the beginning of enjoyment. Discipline, readying and health are also the other crucial factors which keeps ones life In cloud nine Irrespective of his/her age group. Care must be taken that all the three must maintain In harmony. In my view ultimate enjoyment lies where desire meets satisfaction. One must be completely satisfied for what he was In that moment, to enjoy his life. So I completely disagree the above statement.

Banks of India and Bank

pop the question Report On leaf node SATISFACTION CORPORATE GUIDE FACULTY GUIDE Mr. Ravi Parmar Mr. Rajnish m every(prenominal)ick Relationship carriage Submitted in Partial Fulfillment of the requirement of Post Graduate lambskin in answerment Submitted By Ankur Singh PGDM-III, Semester Batch- 2008-10 Roll no. 014908005 Centre for attention technology Knowledge Park I Gr. Noida AcknowledgementsIf words atomic number 18 considered to be signs of gratitude then let these words Convey the very same My existent gratitude to ICICI BANK for providing me with an opportunity to mold with BANK and gravid necessary directions on doing this understand to the best of my abilities. I am highly indebted to Mr. Remay Verma, s nerveoff Manager and Mr. Ravi Parmar (RM) partnership project guide, who has provided me with the necessary in take a shitation and excessively for the project prolonged out to me in the experimental conditioninus of this report and his valu adequate hin t and comments on bringing out this report in the best counsel possible. I to a fault thank Prof.Anant Jyoti,(HOD of PGDM), who has sincerely supported me with the valuable insights into the completion of this project. I am g treadful to tout ensemble faculty members of C-Mat and my friends who gestate dished me in the successful completion of this project. CONTENTS Sr. No. Subject c over Page No. 1 Acknowledgements 2 2 executive compend 4 3 My Project Objective 7 4 argoting body structure in India 8 5 Introduction 9 6 bill of blasphemeing in India 10 7 rely In India 17 8 F dissemble Files of affirms in India 19 9 Indian lodgeing Industries 26 10 ICICI wedge 28 11 ICICI Group 33 2 Technology dod in ICICI bevel 39 13 harvest-feast and client portions 41 11 Product 44 14 SWOT abstract 55 15 Research Methodology 57 16 participation Efforts To Ensure Customer Satis positionion 59 17 Data digest 69 18 Comparison With SBI 79 19 SWOT Analysis(comparative) 87 2 0 Questionnaire 93 21 Finding 98 22 proposition 99 23 Conclusion 102 24 Bibliography 103 EXECUTIVE SUMMARY hugger-mugger swearing is a concept which is unex adenylic acidled and degraded emerging in the being of hopeing w present changes defend start a necessity in crop for trusts to pass away n this competitive environment vis-a-vis non only when from the universe and semi sequestered bea coasts barely as well as from the outside(prenominal) vernaculars. The intent of the query is to explore the various proceedss, which a nonpublic situateer deals into and the systematic process convoluted to match client requirements with the right kind of product. Through this research wholeness of the main objectives is to explore the reason why approximately of the lingos argon injecting clandestine coasting as condescension profile to their set of returns religious offerings. Though private affirming evolved in late 80s in Asia, in India its not m ore than 5 age old.ICICI started it in Aug 2002 and since then it has been a notable success. Today in that location argon enormous solutions to cater client needs but what suits best to a client is where private down payment fiscal institutioning fits in. Every client forget direct different needs, liking and preferences. So a customized portfolio for every(prenominal) client is the need of the day. This research will highlight more on the product portfolio of ICICI toffee-nosed buzzwording, how they have changed or groundbreakingly structured to be sweet and competitive. Research objective 1. To draw the comparative analysis of ICICI BANK Ltd with SBI and so forth 2.To identify the study attributes of client gratification. 3. To study node perception to the highest degree ICICI BANK Ltd. 4. To identify and study the various ways of ensuring customer satisfaction adopted by ICICI BANK Vs HDFC & ampere SBI. &8212&8212&8212&8212&8212&8212&8212&8212&8212&8212&8212&821 2&8212&8212&8212&8212- BANKING STRUCTURE IN INDIA schedule jackpotts in India (A) plan technical argots popular heavens swears Private field believes Foreign bounds in India Regional Rural dep mavin (28) (27) (29) (102) * issueized till * modern(prenominal) Public field bevels (IDBI) * SBI and its Associates * Old Private fixs * New Private avers B) Scheduled cooperative fixs Scheduled Urban Cooperative m stary boxs (55) Scheduled cite Cooperative coasts (31) Here we more concerned rough private sphere of influence deposes and emulation among them. Today, there argon 27 private atomic number 18a tills in the cussing empyrean 19 old private sector brinks and 8 new private sector banks. These new banks have brought in state-of-the-art technology and sharply marketed their products. The Public sector banks ar facing a stiff contest from the new private sector banks.The banks which have been setup in the nineties under the guidelines of the Naras imham Committee are referred to as NEW PRIVATE sector BANKS. launch The banking office will navigate by all the aspects of the m sensationy boxing arrangement in India. It will discuss upon the matters with the birth of the banking concept in the dry land to new players adding their names in the industry in coming fewer socio-economic severalises. The banker of all banks, Reserve swan of India (RBI), the Indian intrusts Association (IBA) and top 20 banks equivalent IDBI, HSBC, ICICI, ABN AMRO, etc. as been well defined under lead separate heads with unmatchable page dedicated to each bank. However, in the introduction part of the faultless banking cosmos, the past has been well explained under iii different heads namely * History of jargoning in India * nationalization of vernaculars in India * Scheduled mer bathroomtile avers in India The starting seasonborn deals with the history part since the dawn of banking system in India. regime took major step in the 1969 to put the banking sector into systems and it nationalized 14 private banks in the menti unrivaledd year. This has been elaborated in studyization Banks in India.The in the end but not the least explains slightly the plan and un plan banks in India. Section 42 (6) (a) of RBI Act 1934 lays down the condition of scheduled mer abidetile banks. The descriptions a abundant with a list of scheduled technical banks are given on this page. * HISTORY OF BANKING IN INDIA Without a sound and impelling banking system in India it stoogenot have a healthy economy. The banking system of India should not only be hassle barren but it should be able to meet new challenges posed by the technology and both any(prenominal) new(prenominal) external and internal factors.For the past three decades Indias banking system has several not bad(p) achievements to its credit. The near striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the hostile corners of the country. This is one of the main reasons of Indias appendage process. The governments regular policy for Indian bank since 1969 has paid rich dividends with the nationalization of 14 major private banks of India.Not long ago, an consider holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own coin. Today, he has a choice. Gone are days when the most in force(p) bank manoeuvrered money from one severalize to other in two days. Now it is simple as mo messaging or dial a pizza. Money have deform the order of the day. The first bank in India, though conservative, was naturalized in 1786. From 1786 till today, the journey of Indian Banking System can be nonintegrated into three distinct courses. They are as mentioned below * Early phase from 1786 to 1969 of Indian Banks topicization of Indian Banks and up to 1991 prior to Indian banking sector remediates. * New phase of Indian Banking System with the advent of Indian monetary Banking Sector Reforms aft(prenominal) 1991. To coiffure this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase I The un unique(predicate)ly distributed Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India participation schematic Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks.These three banks were amalgamated in 1920 and gallant Bank of India was established which started as private shareholders banks, more often than not Europeans shareholders. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, primordial Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. During the first phase the growth was very slow and banks similarly experienced periodic failures surrounded by 1913 and 1948. in that location were approximately 1100 banks, mostly small. To streamline the public presentation and activities of commercial banks, the judicature of India came up with The Banking Companies Act, 1949 which was later changed to Banking regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965). Reserve Bank of India was vested with extensive powers for the direction of banking in India as the rally Banking Authority. During those days public has lesser confidence in the banks. As an aftermath deposit mobilization was slow. au courant of it the savings bank facility provided by the Postal department was relatively safer.Moreover, coin were largely given to traders. Phase II administration took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalized Imperial Bank of In dia with extensive banking facilities on a large case e extraly in rustic and semi-urban areas. It formed secern Bank of India to act as the principal agent of RBI and to handle banking commitions of the spousal congenericship and subject Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on nineteenth July, 1969, major process of nationalization was carried out.It was the confinement of the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country was nationalized. Second phase of nationalization Indian Banking Sector Reform was carried out in 1980 with seven more banks. This step brought 80% of the banking segment in India under Government ownership. The following are the steps interpreted by the Government of India to Regulate Banking Institutions in the Country * 1949 Enactment of Banking Regulation Act. * 1955 Nationalization of State Bank of India. * 1959 Nationalization of SB I subsidiaries. 1961 policy cover ext finish to deposits. * 1969 Nationalization of 14 major banks. * 1971 foundation garment of credit guarantee participation. * 1975 Creation of regional rural banks. * 1980 Nationalization of seven banks with deposits over 200 crore. after the nationalization of banks, the disseveres of the public sector bank India rose to approximately 800% in deposits and get ons took a huge jump by 11,000%. Banking in the sunshine of Government ownership gave the public implicit faith and immense confidence about the sustainability of these institutions. Phase IIIThis phase has introduced many more products and facilities in the banking sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which operationed for the loosening of banking work outs. The country is flooded with foreign banks and their ambiance stations. Efforts are being put to give a satisfactory serve well to customers. Phone b anking and net banking is introduced. The entire system became more convenient and swift. snip is given more importance than money. The pecuniary system of India has shown a great deal of resilience.It is sheltered from any crisis triggered by any external macroeconomics cushion as other East Asian Countries suffered. This is all payable to a flexible exchange rate regime, the foreign reserves are high, the cap account is not yet fully convertible, and banks and their customers have limited foreign exchange exposure. BANKS IN INDIA In India the banks are being segregated in different groups. Each group has their own benefits and limitations in operating in India. Each has their own dedicated target market. Few of them only work in rural sector fugacious hookup others in two rural as well as urban.Many even are only provide in cities. Some are of Indian origin and some are foreign players. All these details and many more is discussed over here. The banks and its relation wit h the customers, their mode of ope ration, the names of banks under different groups and other much(prenominal) reclaimable readings are talked about. One more section has been interpreted note of is the upcoming foreign banks in India. The RBI has shown certain affair to involve more of foreign banks than the live one repennyly. This step has coat a way for few more foreign banks to start business sector in India. Major Banks in India ABN-AMRO Bank * Abu Dhabi Commercial Bank * American Express Bank * Andhra Bank * Allahabad Bank * Bank of Baroda * Bank of India * Bank of Maharastra * Bank of Punjab * Bank of Rajasthan * Bank of Ceylon * BNP Paribas Bank * Canara Bank * Catholic Syrian Bank * aboriginal Bank of India * Centurion Bank * China Trust Commercial Bank * Citi Bank * City labor union Bank * flowerpot Bank * Dena Bank * Deutsche Bank * emergence Credit Bank * Dhanalakshmi Bank * federal official Bank * HDFC Bank * HSBC ICICI Bank * IDBI Bank * Indian Bank * Ind ian abroad Bank * IndusInd Bank * ING Vysya Bank * Jammu Kashmir Bank * JPMorgan Chase Bank * Karnataka Bank * Karur Vysya Bank * Laxmi Vilas Bank * Oriental Bank of avocation * Punjab National Bank * Punjab Sind Bank * Scotia Bank * South Indian Bank * normal Chartered Bank * State Bank of India (SBI) * State Bank of Bikaner Jaipur * State Bank of Hyderabad * State Bank of Indore * State Bank of Mysore * State Bank of Saurastra * State Bank of Travancore * Syndicate Bank * Taib Bank * UCO Bank * Union Bank of India * join Bank of India * fall in Bank Of India * United occidental Bank * UTI Bank Fact Files of Banks in India The first, the oldest, the largest, the biggest, get all much(prenominal) types of informations about Banking in India in this section. The first bank in India to be given an ISO Certification Canara Bank The first bank in Northern India to get ISO 9002 certification for their selected branches Punjab and Sind Bank The first Indian bank to have been st arted solely with Indian expectant Punjab National Bank The first among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBIAct South Indian Bank Indias oldest, largest and most successful commercial bank, offering the giganticst possible range of house servant, international and NRI products and operate, finished its vast intercommunicate in India and overseas State Bank of India Indias befriend largest private sector bank and is now the largest scheduled commercial bank in India The Federal Bank control Bank which started as private shareholders banks, mostly Europeans shareholders Imperial Bank of India The first Indian bank to present a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974 Bank of India, founded in 1906 in Mumbai The oldest Public Sector Bank in India having branches all over India and serving the customers for the last 132 years Allahabad Bank The first Indian commerci al bank which was entirely own and managed by Indians Central Bank of India Bank of India was founded in 1906 in Mumbai. It became the first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974. PUBLIC vault of heaven BANKS Among the Public Sector Banks in India, United Bank of India is one of the 14 major banks, which were nationalized on July 19, 1969. Its predecessor, in the Public Sector Banks, the United Bank of India Ltd. , was formed in 1950 with the amalgamation of four banks viz. Camilla Banking Corporation Ltd. (1914), Bengal Central Bank Ltd. (1918), Camilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932).Oriental Bank of Commerce (OBC), Government of India Undertaking offers Domestic, NRI and Commercial banking operate. OBC is implementing a GRAMEEN PROJECT in Dehradun regularize (UP) and Hanumangarh District (Rajasthan) disbursing small loans. This Public Sector Bank India has implem ented 14 school principal action plan for strengthening of credit slant to women and has designated 5 branches as circumscribedized branches for women entrepreneurs. The following are the list of Public Sector Banks in India * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharastra * Canara Bank * Central Bank of India * Corporation Bank * Dena Bank * Indian Bank * Indian oversea Bank * Oriental Bank of Commerce Punjab Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank List of State Bank of India and its subsidiary, a Public Sector Banks * State Bank of India * State Bank of Bikaner Jaipur * State Bank of Hyderabad * State Bank of Indore * State Bank of Mysore * State Bank of Saurastra * State Bank of Travancore PRIVATE SECTOR BANKS Private banking in India was practiced since the opening of banking system in India. The first private bank in India to be set up in Private Sector Bank s in India was IndusInd Bank. It is one of the fastest growing Bank Private Sector Banks in India.IDBI ranks the tenth largest study bank in the world as Private Banks in India and has promoted world class institutions in India. The first Private Bank in India to receive an in principle approval from the Reserve Bank of India was lodgment Development pay Corporation modified, to set up a bank in the private sector banks in India as part of the RBIs liberalization of the Indian Banking Industry. It was in unifiedd in August 1994 as HDFC Bank curb with registered office in Mumbai and commenced mathematical operations as Scheduled Commercial Bank in January 1995. ING Vysya, yet another Private Bank of India was in somaticd in the year 1930. Bangalore has a pride of place for having the first branch extraction in the year 1934.With successive years of patronage and constantly backdrop new standards in banking, ING Vysya Bank has many credits to its account. List of Private Bank s in India * Bank of Punjab * Bank of Rajasthan * Catholic Syrian Bank * Centurion Bank * City Union Bank * Dhanalakshmi Bank * Development Credit Bank * Federal Bank * HDFC Bank * ICICI Bank * IDBI Bank * IndusInd Bank * ING Vysya Bank * Jammu & Kashmir Bank * Karnataka Bank * Karur Vysya Bank * Laxmi Vilas Bank * South Indian Bank * United westerly Bank INDIAN BANKING INDUSTRY The Indian banking market is growing at an surprise rate, with Assets expected to reach US$1 trillion by 2010.An expanding economy, spirit class, and technological innovations are all contributing to this growth. The countrys middle class accounts for over 320 million People. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promising factors for continued expansion. The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle cla ss, and technological innovations are all contributing to this growth. The Indian banking Industry is in the middle of an IT revolution, Focusing on the expansion of retail and rural banking.Players are becoming increasingly customer centric in their approach, which has resulted in innovative methods of offering new banking products and pull in. Banks are now realizing the importance of being a big player and are beginning to focus their attention on mergers and acquisitions to take religious redevelopment of economies of scale and/or comply with Basel II regulation. Indian banking industry pluss are expected to reach US$1 trillion by 2010 and are poised to receive a greater selection of foreign capital, phrases Prathima Rajan, analyst in Celents banking group and author of the report. The banking industry should focus on having a small number of large players that can argue globally rather than having a large number of fragmented players. cause Private, BSE & NSE, N YSE Founded 1955 (as Industrial credit and aimment corporation of India) Headquarters ICICI Bank Ltd. , ICICI Bank Towers, Bandra Kurla Mumbai, India Key race N Vaghul, K. V. Kamath, Chanda Kochhar, V Vaidyanathan, Madhabi Puri Industry Banking amends Capital gullets and allied industries Products Loans, Credit Cards, Savings, Investment vehicles, redress etc. Revenue USD 5. 79 cardinal rile sense assets Rs. 3,997. 95 gazillion (US$ 100 billion) at March 31, 2008. Overview ICICI Bank (formerly Industrial Credit and Investment Corporation of India).ICICI throttle was established in 1955 by the World Bank, the Government of India and the Indian Industry, for the promotion of industrial development in India by giving project and corporate finance to the industries in India. ICICI Bank has grown from a development bank to a fiscal conglomerate and has become one of the largest public financial institutions in India. ICICI Bank has financed all the major sectors of the eco nomy, masking piece 6,848 companies and 16,851 projects. As of March 31, 2000, ICICI had disbursed a integrality of Rs. 1,13,070 crores, since inception. ICICI Bank Fact Files Total assets Rs. 146,214 crore (December 31, 2004) Network 530 branches ATMs Over 1,880 Abroad Subsidiaries United Kingdom and Canada Abroad branches capital of Singapore and Bahrain Representative offices United States, China, United Arab Emirates, and Bangladesh and South Africa.ICICI Bank is Indias second-largest bank with entireness assets of about Rs. 2,513. 89 bn (US$ 56. 3 bn) at March 31, 2006 and profit after measure of Rs. 25. 40 bn (US$ 569 mn) for the year ended March 31, 2006 (Rs. 20. 05 bn (US$ 449 mn) for the year ended March 31, 2005). ICICI Bank has a engagement of about 614 branches and extension counters and over 2,200 ATMs. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers by dint of a variety of delivery dribbles and through and through and through its specialized subsidiaries and affiliates in the areas of investment banking, bearing and non-life redress, venture capital and asset management.ICICI Bank set up its international banking group in pecuniary 2002 to cater to the cross border needs of clients and leverage on its domestic banking strengths to offer products internationally. ICICI Bank (BSE ICICI) ( Industrial Credit and Investment Corporation of India) is Indias largest private sector bank in market capitalization and second largest boilersuit in name of assets. Bank has total assets of about USD 100 billion (at the end of March 2008), a network of over 1,491 branches, 22 regional offices and 49 regional processing centers, about 4,485 ATMs (at the end of September 2008), and 24 million customers (at the end of July 2007).ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and specialized subsid iaries and affiliates in the areas of investment banking, life and non-life policy, venture capital and asset management. (These info are dynamic. ) ICICI Bank is also the largest issuer of credit card game in India. ICICI Bank has got its equity shares listed on the cable exchanges at Kolkata and Vadodara, Mumbai and the National Stock Exchange of India Limited, and its ADRs on the New York Stock Exchange (NYSE). The Bank is expanding in overseas markets and has the largest international balance sheet among Indian banks. ICICI Bank now has wholly-owned subsidiaries, branches and examples offices in 18 countries, including an onshore unit in Mumbai.This includes wholly owned subsidiaries in Canada, Russia and the UK (the subsidiary through which the hisave savings brand is operated), offshore banking units in Bahrain and Singapore, an advisory branch in Dubai, branches in Belgium, Hong Kong and Sri Lanka, and representative offices in Bangladesh, China, Malaysia, Indonesia, Sou th Africa, Thailand, the United Arab Emirates and USA. Overseas, the Bank is targeting the NRI (Non-Resident Indian) population in particular. ICICI reported a 1. 15% rise in net profit to Rs. 1,014. 21 crore on a 1. 29% increase in total income to Rs. 9,712. 31 crore in Q2 September 2008 over Q2 September 2007. The banks live and savings account (CASA) ratio increased to 30% in 2008 from 25% in 2007.ICICI Bank presently has subsidiaries in the United Kingdom, Russia and Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka and Dubai International Finance Center and representative offices in the United States, United Arab Emirates, China, South Africa and Bangladesh. Our UK subsidiary has established a branch in Belgium. ICICI Bank is the most valuable bank in India in terms of market capitalization. ICICI Banks equity shares are listed in India on the Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are lis ted on the New York Stock Exchange (NYSE). ICICI Bank has formulated a Code of telephone circuit Conduct and Ethics for its coachs and employees.At June 5, 2006, ICICI Bank, with bountiful muff market capitalization of about Rs. 480. 00 billion (US$ 10. 8 billion) bedded third amongst all the companies listed on the Indian stock exchanges. ICICI Bank was in the first place promoted in 1994 by ICICI Limited, an Indian financial Institution, and was its wholly owned subsidiary. ICICIs shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Banks acquisition of Bank of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002.ICICI was formed in 1955 at the initiative of The World Bank, the Government of India and representatives of Indian industry. The pr incipal objective was to create a development financial institution for Providing strong suit-term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified financial service group offering a wide variety of products and services, some(prenominal) directly and through a number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE.In October 2001, the Boards of music directors of ICICI and ICICI Bank O.K. the merger of ICICI and two of its wholly owned retail finance subsidiaries, ICICI own(prenominal) monetary Services Limited and ICICI Capital Services Limited, with ICICI Bank. The merger was canonic by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of Gujarat at Ahmadabad in March 2002, and by t he High Court of Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, the ICICI groups financing and banking Operations, both in large quantities and retail, have been integrated in a iodin entity. Free float holding excludes all promoter holdings, strategic investments and Cross holdings among public sector entities. BUSINESS OBJECTIVES lot To be the leading provider of financial services in India and a major global bank. Mission We will leverage our people, technology, speed and financial capital to be the banker of first choice for our customers by delivering high quality, initiatory service. * Expand the frontiers of our business globally. * Play a proactive role in the full realisation of Indias potential. * maintain a healthy financial profile and diversify our earnings across businesses and geographies. * watch high standards of constitution and ethics. * Contribute positively to the various countries and markets in which we operate . * earn value for our stakeholders. * Product and Services Service and banking of ICICI bank categorized in to personal banking, business banking and NRI banking services. breast-to-face banking- Deposit in form of saving, recurring, term deposit, senior itizen deposit and children depository account are there for separate customer can also avail of their housing, automobile, farm equipment, business or personal loan escape. Personal client can also invest in mutual notes and embark in stock art through ICICI bank. Business banking Business banking services of ICICI Bank are exhaustive. Project financing, deal assessment, and land valuation are investment banking services offered to corporate clients. Global trade and gold management transaction services avail remittances and receipts across authoritative cities. Capital market and custodial services enable business houses to participate in equity trading and transfer across major stock markets of world.Customer ICICI ban k targets all segment of customer with various types of products and services. I interacted with a a lot of customers and collect their feedback on the given services of company, and feedback are positive response from all percentage point of view. Customers are beneficiary from both sides monetary as well as non monetary. The bank targets to add nigh 500,000 customers under the new scheme in the next one year and plans to offer auto loans through the new online channel in the future, ICICI Banks Executive director, V Vaidyanathan, express here. As of now, well 24 per cent of our customer transactions are happening through internet.We are primarily targeting our urban customers, who constitute well-nigh 70 per cent of our total customer-base, Vaidyanathan tell. Customers, opting for the service can also benefit from the quantum optima facility, wherein if the balance exceeds Rs 5,000, the money will automatically be transferred to a fixed deposit scheme, he said. The facility, which also enable customers to transact between an ICICI Bank account and accounts in other banks, is being offered free of cost, he said ICICI bank, presently, has above 2 crore customers. The lender opened nearly 470 branches in the last fiscal. The lender has also plans to launch SMS n Cash scheme later this week under which ICICI account holders can transfer funds to those who do not have a bank account.ICICI bank is strongly committed to protecting the privacy of its customers and has interpreted all necessary and sound measures to protect the confidentiality of the customer information and its transmittal through the world wide web and it shall not be held reasonable for disclosure of the confidential information when in accordance with this privacy inscription or in terms of the agreements, if any, with the customers. ICICI bank Endeavours to rampart and ensure the security of the information provided by the customer. ICICI bank uses 128-bit encryption, for the transmi ssion of the information, which is currently the permitted level of encryption in India.When the information provided by the customers is not inherited through this encryption, the customers system (if tack together accordingly) will display an appropriate contentedness ensuring the best level of privateness for the customers information. The customer would be required to gather with ICICI bank in order to ensure the security of the information, and it is recommended that the customers necessarily charter their passwords carefully much(prenominal) that no unauthorized glide slope is made by a third party. To make the password complex and difficult for others to guess, the customers should use faction of alphabets, numbers and special characters (like , , $ etc. ).The customers should undertake not to see to it their password to anyone or wait any written or other record of the password such that a third party could access it. * ICICI bank undertakes not to come apart th e information provided by the customers to any person, unless such action is necessary to * conform to statutory requirements or comply with legal process * Protect and keep going ICICI banks or its affiliates rights, interests or property * perform the terms and conditions of the products or services or * Act to protect the interests of ICICI bank, its affiliates, or its members, constituents or of other persons. Competitor The main antagonist of is ICICI bank is SBI because this bank is totally taken by government after this bank HDFC bank is the main disputation of ICICI bank .There are different types of segment operation semment, investment and services, demat and NRI services. The competitor from the operation segment are State Bank of India(SBI), Axis, Housing Development and Financial corporation(HDFC) etc. From the investment And service sector HDFC standard life policy corporation, Bharati Axa life redress ,Reliance Life policy Corporation, Max new work life insura nce SBI Life insurance,Life Insurance Corporation of India. In demat section India bull,Anangram,SBI,HDFC,India Infoline are the main competitor of ICICI bank. In the NRI service section the Western Union bank is the main competitor of ICICI bank.There are some other company who also compete with the ICICI bank After the SBI the HDFC bank is the main competitor of ICICI bank. HDFC Bank Ltd. is a commercial bank of India, interconnected in August 1994, after the Reserve Bank of India allowed establishing private sector banks. The Bank was promoted by the Housing Development Finance Corporation, a postmortem examination housing finance company (set up in 1977) of India. HDFC Bank has 1,500 branches and over 2,890 ATMs, in 530 cities in India, and all branches of the bank are linked on an online real-time nucleotide. As of September 30, 2008 the bank had total assets of INR 1006. 82 billion. State Bank of India is the largest bank in India.It is also, measured by the number of branc h offices and employees, the second largest bank in the world. citation needed The bank traces its subscriber line back through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs.With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has place ferocity on reducing the huge manpower through Golden shingle schemes and computerizing its operations. The State Bank Group, with over 16000 branches , has the largest branch network in India. It has a market share among Indian commercial banks of about 20% i n deposits and meliorations, and SBI accounts for almost one-fifth of the nations loans. There are some other banks which gives challenging some how in the banking and service sectorthey are * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharashtra * Canara Bank * Central Bank of India Corporation Bank * Dena Bank * IDBI Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce * Punjab & Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank Environment An employer the bank extends a lot of confidence along with justified accountability to you. The running(a) culture is very collaborative in nature. It can be owed to the fact that the bank is highly part with a lot of overlapping and mostly distinct roles and responsibility. ICICI Bank has established itself as a one stop solution (Universal Bank) for all financial need of individuals and institutions alike.The credit for the same can be attributed to its vast network, plausibly the largest among private sector banks. This makes the life of an employee a lot easier, especially for those who face the external customers. You do not have to justify your formation, it is only the product that has to be pitched. As far as employee benefits are concerned, ICICI Bank offers a lot of financial benefits ranging from your family health insurance to your kids school donations. The organization is bleak to the needs of its employees as this quality is one of the building blocks (DNA) of the organizational culture. The organization will be giving you large flexibility to innovate and come-up with new ideas.It will also exhibit its in terms of well laid systems, processes and infrastructure. It will extend a fast track growth for those with bonzer talent at the same time offer stability to those who are able to deliver satisfactorily. Overall, I would say its a aliveness experience to work with such a behem oth organization. It might not be the best paymaster but it emphatically will impress you with its capacitance as the head master (Principal) of banking industry. there are huge competition between the eployee to achieve theo goal. BUSINESS OBJECTIVES Vision To be the leading provider of financial services in India and a major global bank. Mission We will leverage our people, technology, speed and financial capital to be the banker of first choice for our customers by delivering high quality, world-class service. * expand the frontiers of our business globally. * play a proactive role in the full realisation of Indias potential. * maintain a healthy financial profile and diversify our earnings across businesses and geographies. * maintain high standards of governance and ethics. * contribute positively to the various countries and markets in which we operate. * create value for our stakeholders. Product and Services Service and banking of ICICI bank categorized in to personal bank ing, business banking and NRI banking services.Personal banking- Deposit in form of saving, recurring, term deposit, senior citizen deposit and children depository account are there for individual customer can also avail of their housing, automobile, farm equipment, business or personal loan scheme. Personal client can also invest in mutual funds and participate in stock trading through ICICI bank. Business banking Business banking services of ICICI Bank are exhaustive. Project financing, deal assessment, and land evaluation are investment banking services offered to corporate clients. Global trade and cash management transaction services facilitate remittances and receipts across important cities. Capital market and custodial services enable business houses to participate in equity trading and transfer across major stock markets of world.CUSTOMER ICICI bank targets all segment of customer with various types of products and services. I interacted with a a lot of customers and collec t their feedback on the given services of company, and feedback are positive response from all point of view. Customers are beneficiary from both sides monetary as well as non monetary. The bank targets to add nearly 500,000 customers under the new scheme in the next one year and plans to offer auto loans through the new online channel in the future, ICICI Banks Executive film director, V Vaidyanathan, said here. As of now, nearly 24 per cent of our customer transactions are happening through internet.We are primarily targeting our urban customers, who constitute nearly 70 per cent of our total customer-base, Vaidyanathan said. Customers, opting for the service can also benefit from the quantum optima facility, wherein if the balance exceeds Rs 5,000, the money will automatically be transferred to a fixed deposit scheme, he said. The facility, which also enable customers to transact between an ICICI Bank account and accounts in other banks, is being offered free of cost, he said IC ICI bank, presently, has above 2 crore customers. The lender opened nearly 470 branches in the last fiscal. The lender has also plans to launch SMS n Cash scheme later this week under which ICICI account holders can transfer funds to those who do not have a bank account.ICICI bank is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy consignment or in terms of the agreements, if any, with the customers. ICICI bank Endeavours to safeguard and ensure the security of the information provided by the customer. ICICI bank uses 128-bit encryption, for the transmission of the information, which is currently the permitted level of encryption in India.When the information provided by the customers is not transm itted through this encryption, the customers system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the customers information. The customer would be required to cooperate with ICICI bank in order to ensure the security of the information, and it is recommended that the customers necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the customers should use combination of alphabets, numbers and special characters (like , , $ etc. ). The customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it. ICICI bank undertakes not to disclose the information provided by the customers to any person, unless such action is necessary to * Conform to legal requirements or comply with legal process * Protect and defend ICICI banks or its affiliates rights, interests or property * Enforce the terms and conditions of the products or services or * Act to protect the interests of ICICI bank, its affiliates, or its members, constituents or of other persons. competitor The main competitor of is ICICI bank is SBI because this bank is totally taken by government after this bank HDFC bank is the main competitor of ICICI bank . There are different types of segment operation semment, investment and services, demat and NRI services. The competitor from the operation segment are State Bank of India(SBI), Axis, Housing Development and Financial corporation(HDFC) etc.From the investment And service sector HDFC standard life insurance corporation, Bharati Axa life insurance ,Reliance Life Insurance Corporation, Max new work life insurance SBI Life insurance,Life Insurance Corporation of India. In demat section India bull,Anangram,SBI,HDFC,India Infoline are the main competitor of ICICI bank. In the NRI service section the West ern Union bank is the main competitor of ICICI bank. There are some other company who also compete with the ICICI bank After the SBI the HDFC bank is the main competitor of ICICI bank. HDFC Bank Ltd. is a commercial bank of India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks.The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,500 branches and over 2,890 ATMs, in 530 cities in India, and all branches of the bank are linked on an online real-time basis. As of September 30, 2008 the bank had total assets of INR 1006. 82 billion. State Bank of India is the largest bank in India. It is also, measured by the number of branch offices and employees, the second largest bank in the world. citation needed The bank traces its ancestry back through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest c ommercial bank in the Indian Subcontinent.The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs. With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has laid emphasis on reducing the huge manpower through Golden handshake schemes and computerizing its operations. The State Bank Group, with over 16000 branches , has the largest branch network in India. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nations loans.There are some other banks which gives challenging some how in the banking and service sectorthey are * Allahabad Bank * Andhra Bank * Bank of Ba roda * Bank of India * Bank of Maharashtra * Canara Bank * Central Bank of India * Corporation Bank * Dena Bank * IDBI Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce * Punjab & Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank ENVIRONMENT An employer the bank extends a lot of authority along with justified accountability to you. The working culture is very collaborative in nature. It can be owed to the fact that the bank is highly segmented with a lot of overlapping and mostly distinct roles and responsibility.ICICI Bank has established itself as a one stop solution (Universal Bank) for all financial need of individuals and institutions alike. The credit for the same can be attributed to its vast network, probably the largest among private sector banks. This makes the life of an employee a lot easier, especially for those who face the external customers. You do not have to justify your or ganization, it is only the product that has to be pitched. As far as employee benefits are concerned, ICICI Bank offers a lot of financial benefits ranging from your family health insurance to your kids school donations. The organization is sensitive to the needs of its employees as this quality is one of the building blocks (DNA) of the organizational culture.The organization will be giving you enough flexibility to innovate and come-up with new ideas. It will also exhibit its in terms of well laid systems, processes and infrastructure. It will extend a fast track growth for those with extraordinary talent at the same time offer stability to those who are able to deliver satisfactorily. Overall, I would say its a lifetime experience to work with such a behemoth organization. It might not be the best paymaster but it definitely will impress you with its capability as the head master (Principal) of banking industry. there are huge competition between the eployee to achieve theo goal. TECHNOLOGY ICICI use many type of advance technological software like Pinnacle 7. 0 and Pinnacle7. 016.Among from this software ICICI bank uses the e-banking, core banking, mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. However, due to its proprietary hardware, the cost of procurement, upgrades and administration was soaring. The closed box computer architecture of Teradata enforce restrictions on scalability. Secondly, querying and loading could not happen simultaneously. Queries could only be run during business hours because the loading of data had to take place during off-business hours. This meant that the recall rate of EDW was delayed, so queries may not reflect the most current data. ICICI Bank was also dependent on Teradata for support and other activities The bank was completely tied down to that solution.These issues compelled ICICI Bank to look for more efficient and flexible solutions. The solution would have to address not only current issues, but accommodate future growth expectations and business requirements. ICICI Bank evaluated legion(predicate) data warehousing solutions in the pursuit of solving its issues, and developed a shortlist of alternatives for its migration proof-of-concept Sybase, SAS and Netezza. The primary criteria for evaluation was the price-to-performance ratio where Sybase IQ emerged the clear winner. During this loaded testing, Sybase IQ delivered faster results on independent hardware and operating systems with nominal infrastructure.Commending the improvements achieved, Amit Sethi, Joint full ecumenical Manager, ICICI bank says, What impressed us wasthat even with boilers suit lower costs, we could achieve significantly better query performanceafter implementing the Sybase enterprise warehouse solution. ICICI Infotech today launched an enterprise resource plan (ERP) solution for the small and medium enterprises. The ERP software program huntsman Advantage comes bu ndled with an HP dual processor Xeon server, illusionist 9i database, Windows 2003 server and costs about Rs 9. 90 lakh and has a 15-user license. An ERP computer software helps a manufacturer or any other business implementing it to manage all the important parts in the company such as product planning, parts purchasing, maintaining inventory and interacting with suppliers and customers.ICICI Infotech officials told a press conference here today that Orion Advantage offered a set of business practice solutions for industry segments such as engineering, auto ancillary, pharmaceuticals, chemicals and IT diffusion. Besides the cost reinforcement, the ERP package also came pre-configured. ICICI Infotech had mapped the processes specific to each industry segment into the package. Mr. Manoj Kunkalienkar, Executive managing director and President, ICICI Infotech, said that small and medium enterprises (SMEs) offered a good market and ICICI Infotech hoped to become a leading solution provider to this segment. Mr. R. K. Kanthi, Deputy General Manager, ICICI Infotech, said there was no ERP package for the SMEs that bundled the server, database and operating system right now.That was the advantage ICICI Infotech offered to SMEs as Orion Advantage came bundled and pre-configured. Besides the high cost of generic ERP packages, their implementation time as far as SMEs were concerned was also long. Orion Advantage could be installed in 45 days. ICICI Infotech had signed up six customers so far for the package and hoped to garner a 15 per cent market share of the SME segment, whose number in the country was estimated at 2. 30 lakh. Mr. K. S. Natarajan, Managing Director, Trident Pneumatics Pvt Ltd of Coimbatore, one of the companies that had installed Orion Advantage, said that the company had tried three other ERP packages, all of which had failed, before settling on Orion Advantage.Mr Kunkalienkar said that ICICI Infotech planned to move the two development centers in Chennai into a single location and double the staff strength from 300 now in the next two years. The Chennai centers were involved in research and development of Orion ERP solutions and Premia, an insurance package. ERP Systems Integration Pinnacle Software Solutions has the expertise and experience to advocate you with your enterprise systems integration. From developing your strategy, through implementation and support, we bring the right combination of resources, management skillsets, and technical know-how. We will help you successfully integrate yourattempt Resource Planning (ERP)systems into your overall business and technology infrastructure.Whether you are planning an upgrade of an existing ERP system, or a complete replacement of a legacy application and platform, we can help you improve your financial, human resources, electronic mail, and other business systems. We work with the leading ERP systems, including the latest versions of the Oracle and PeopleSoft applications ? General Ledger ? Project Costing ? Accounts Payable ? Human Resources ? Accounts Receivable ? payroll department ? Purchasing ? Benefits ? Asset focal point ? Compensation Our technology management solutions will help you migrate hardware platforms, improve network and database performance, develop or refresh policies and rocedures, and develop sound disaster recovery and backup solutions. transport contact us to learn how Pinnacle Software Solutions can help you develop solutions that fityour enterprise. ICICI prudential Life Insurance phoner Limited ICICI Prudential life Insurance Company Limited was incorporated on 20th July 2000. The authorized capital of the company is Rs. 2300 million and the paid up capital is Rs. 1500 million. The company is joint venture of ICICI (74%) and UK based company Prudential Plc (26%). The company was granted certificate of registration for carrying business, by Insurance restrictive and Development Authority on 24th November 2000.It commen ced commercial operation from 19th December 2000 and becoming a leading private sector life insurance company. The company recognizes that the driving force for accumulateing sustainable competitive advantage in this business is superior customer experience and investment cigarette the brand. The company aims to achieve this by striving to provide world class service level trough constant innovation in product, distribution channels and technology based delivery. Vision and Mission Their vision is to make ICICI Prudential Life Insurance Company the dominant new insurance company in the life insurance industry. This they hope to achieve through their commitment to excellence, focus on service, speed and innovation, and leveraging our technological expertise.The success of the organisation will be founded on its strong focus on set and clarity of purpose. These include * Understanding the needs of customers and offering them superior products and service * Building long lasting re lationships with their partners * Providing an enabling environment to foster growth and learning for their employees And above all building transparency in all our dealings. They believe that they can play a significant role in redefining and reshaping the sector. Given the quality of their parentage and the commitment of their team, they feel that tere will be no limits to their growth. Board of DirectorsThe ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Shri K. V. Kamath, Chairman Mr. Mark Tucker Smt. Lalita D. Gupte Mr. Danny Bardin Mrs. Kalpana Morparia Shri M. P. Modi Mr. John Caouette Shri S. P. Subhedar, (Alternate Director to Mr. Danny Bardin) Mr. Derek Stott, (Alternate Director to Mr. Mark Tucker) Smt. Shikha Sharma, Managing Director Management Team Ms. Shikha Sharma, Managing Director Mr. Kevin Wright, Executive Vice President Sales & Distribution Ms. Madhavi Soman, Chief Strategi c Initiatives Mr. V. Rajagopalan, Appointed mathematical statistician Mr. Sandeep Batra, Chief Financial Officer & Company Secretary Mr.Saugata Gupta, Chief Marketing & Service Mr. Shubhro J. Mitra, Chief Human Resources Corporate Office ICCI Prulife Towers, 1089, Appasahab Marathe Marg, Prabhadevi, Mumbai 400 025. name Number 022-462 1600 Website www. iciciprulife. com ICICI Lombard General Insurance Company ICICI LombardGeneral Insurance Company Limited is a 7426 joint venture between ICICI Bank Limited and Canada basedFairfax Financial HoldingsLimited. ICICI Bankis Indias second largest bank, whileFairfax Financial Holdingsis a diversified financial corporate engaged in generalinsurance,reinsurance, insurance claims management andInvestment management.Lombard Canada Ltd, a group company of Fairfax Financial Holdings Limited, is one of Canadas oldest property and casualty insurers. ICICI Lombard General Insurance Company received regulatory approvals to commence general i nsurance business in August 2000. Board Members * Mr K V Kamath, Chairman * Mr R Athappan, Director * Mr B V Bhargava, Director * Mr Dileep Choksi, Director * Mr James F Dowd, Director * Ms Lalita D Gupte, Director * Ms Kalpana Morparia, Director * Mr S Mukherji, Director * Mr Chandran Ratnaswami, Director * Mr H N Sinor, Director * Mr Sandeep Bakhshi, Managing Director & chief operating officer Audit Committee * Mr. S Mukherji, Chairman * Mr. Dileep Choksi, Director * Mr. James F Dowd, Director * Mr. H. N. Sinor, Director Investment Committee * Mr.Chandran Ratnaswami, Chairman * Ms. Kalpana Morparia, Director * Mr. Sandeep Bakhshi,, Managing Director & CEO * Mr. S Gopalakrishnan, Head Investments * Mr. Rakesh Jain, Head-Finance & Accounts * Mr. Liyaquat Khan, Appointed Actuary Board Governance Committee * Ms. Kalpana Morparia, Chairperson * Mr. Chandran Ratnaswami, Director * Mr. H. N. Sinor, Director retail Segment of ICICI Lombard General Insurance ICICI Lombards Retai l Segment consists of personal insurance products wellness, Home, Motor and displace insurances. Health Insurance ICICI Lombard is cognise to be a pioneer in introducing innovative concepts in the Indian health Insurance sector.Be it the floater concept, the critical illness cover or the tax gain policy, all these were first introduced by ICICI Lombard. It was also one of the first general insurance companies in India to have a robust online system in place for buying and renewing policies. The various plans offered by ICICI Lombard includeFamily floater Plan where one policy covers the entire family,Health Advantage overconfident where they cover OPD and dental expenses, also help save maximum tax under section 80D andCritical Illness plan a special policy covering a list of critical illnesses. They also have a basicPersonal Accident Planwhich covers against accidents. ICICI Lombard health plans also provide coverage against terrorism. Home InsuranceHome Insurance is actually one of the most neglected areas in the general insurance category. Simply, because people in general, especially in India, do not give much importance to it. However, in the recent years, due to the increase in awareness, and the great extent of rail at caused to property due to natural calamities and terrorism, it has been gaining importance. TheHome Insurance Policyoffered by ICICI Lombard covers both the structure and the contents of the house. You can opt for either of the covers or both. contrasted other policies, it also covers damage due to terrorist activities, loss of cash, public liability, temporary resettlement and others. Motor InsuranceAs Motor Insurance is mandatory in India and is governed by the Motor Tariff Act, the policies offered by various companies are more or less the same. There is not much room for innovation in this category. ICICI Lombard too offersCar InsuranceandTwo Wheeler Insurance. They are known to offer one of the best rates in the market. As the entire buying process is online and is instant, without any submission of documents or other formalities, people generally opt it for convenience. Travel Insurance Travel insurance is one of the most prominent sector of general insurance, especially overseas actuate insurance and student medical exam insurance. ICICI Lombard offers various options in both the categories.TheOverseas Travel Plansand learner Medical Plansoffered cover medical and non-medical expenses, including compensation for flights hijacked and pre existing diseases in case of emergency. They charge on a per day basis if the travel is more than 7 days. ICICI Lombard has tied up withUnited Health Groupto facilitate access to all its clinics while in U. S. The learner Medical Plansare accepted in almost universities worldwide. They also have a section in their website,University Search, where one can find specific plans for specific universities. All the above retail policies can be bought online, without any docu mentation through their websitewww. icicilombard. com. One can not only buy, but also manage and renew their insurance policies online. NRI ServicesICICI Lombard has developed insurance policies forNon-resident Indiansthat can be bought, renewed and tracked online. Parents Health Insurance covers hospitalization and medical expenses incurred by parents of the policyholder in India. For parents travelling outside India, ICICI Lombard offers a Parents Overseas Travel Insurance policy. AnNRIcan insure his children/ dependents travelling abroad to study, under the Student Medical Insurance plan. Likewise, the Home Insurance and Car Insurance schemes enables anNRIto solid his assets in India. Channels Channel is the term used for the various approaches a company uses to tap its customers.ICICI Lombard uses a multi channel approach to ensure the sales, service and other allied activities are carried out in the most telling manner. Retail The Retail channel consists of sales executves, s ales officers, brokers and agents. They are the one who are in direct contact with the customers and bring the innovative insurance solutions to their doorsteps. Online ICICI Lombard has developed a web-based system to meet all the pre and post-policy transaction. One can get quotes, buy, renew and track their policies onlin e through the website www. icicilombard. com. With the do-it-yourself architecture, the online channel is fast, convenient, easy to understand and operate. Technology ICICI use many type of advance technological software like Pinnacle 7. and Pinnacle7. 016. Among from this software ICICI bank uses the e-banking, core banking, mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. However, due to its proprietary hardware, the cost of procurement, upgrades and administration was soaring. The closed box architecture of Teradata imposed restrictions on scalability. Secondly, querying and loading could not happen simultaneously. Qu eries could only be run during business hours because the loading of data had to take place during off-business hours. This meant that the refresh rate of EDW was delayed, so queries may not reflect the most current data.ICICI Bank was also dependent on Teradata for support and