Evaluation of Services Offered by Hdfc Bank free essay sample

vices a bank provides are checking accounts, which can be used like money to make payments and purchase goods and services; savings accounts and time deposits that can be used to save money for future use; loans that consumers and businesses can use to purchase goods and services; and basic cash management services such as check cashing and foreign currency exchange. Four types of banks specialize in offering these basic banking services: commercial banks, savings and loan associations, savings banks, and credit unions. A broader definition of a bank is any financial institution that receives, collects, transfers, pays, exchanges, lends, invests, or safeguards money for its customers. This broader definition includes many other financial institutions that are not usually thought of as banks but which nevertheless provide one or more of these broadly defined banking services. These institutions include finance companies, investment companies, investment banks, insurance companies, pension funds, security brokers and dealers, mortgage companies, and real estate investment trusts. We will write a custom essay sample on Evaluation of Services Offered by Hdfc Bank or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This article, however, focuses on the narrower definition of a bank and the services provided by banks in Canada and the UNITED STATES. (For information on other financial institutions, Insurance and investment banking; and trust companies. ) Banking services are extremely important in a free market economy such as that found in Canada and the United States. Banking services serve two primary purposes. First, by supplying customers with the basic mediums-of-exchange (cash, checking accounts, and credit cards), banks play a key role in the way goods and services are purchased. Without these familiar methods of payment, goods could only be exchanged by barter (trading good for another), which is extremely time-consuming and inefficient. Many of today’s banking services were first practiced in ancient Lydia, Phoenicia, China, and Greece, where trade and commerce flourished. The temples in Babylonia made loans from their treasuries as early as 2000 BC. The temples of ancient Greece served as safe-deposit vaults for the valuables of worshipers. The Greeks also coined money and developed a system of credit. The Roman Empire had a highly developed banking system, and its bankers accepted deposits of money, made loans, and purchased mortgages. Shortly after the fall of Rome in AD 476, banking declined in Europe. The increase of trade in 13th-century Italy prompted the revival of banking. The moneychangers of the Italian states developed facilities for exchanging local and foreign currency. Soon merchants demanded other services, such as lending money, and gradually bank services were expanded. The first bank to offer most of the basic banking functions known today was the Bank of Barcelona in Spain. Founded by merchants in 1401, this bank held deposits, exchanged currency, and carried out lending operations. It also is believed to have introduced the bank check. Three other early banks, each managed by a committee of city officials, were the Bank of Amsterdam (1609), the Bank of Venice (1587), and the Bank of Hamburg (1619). These institutions laid the foundation for modern banks of deposit and transaction. For more than 300 years, banking on the European continent was in the hands of powerful statesmen and wealthy private bankers, such as the Medici family in Florence and the Foggers in Germany.

Hamlet Essay

Hamlet Essay Hamlet Essay Many hundreds of years ago, William Shakespeare wrote what he thought to be a great fictional tragedy. He was right in one aspect, Hamlet did become on of his most successful plays ever written, it wasn't however as fictional as he might have believed. Many of the topics and ideas in this play reappear in our lives today.Hamlet likes to express his intense hatred towards his mother's new husband who is also his uncle. He makes it very clear that he thinks she made a horrible decision. This scenario reoccurs many times in today's society. Now that divorce is so prominent, the rate of second marriages has also increased. There are many times that the children involved don't like their new mother or father. Many times the parents take into consideration the thoughts of their children but in some cases, like that of Hamlet, the children aren't even thought of.English: 16th century illustration of The Spanish ...This caused a lot of anger towards the situation. He felt that h is mother was betraying his father by marrying his uncle. He was so upset about losing his father that he would have probably hated anyone his mother had married.One would think something that bothered Hamlet this much would eventually drive him mad but did it really? Hamlet was thought to have gone insane by Claudius and his fellow former schoolmates but was he actually as mad as he was perceived to be? It seems he had many reasons to be insane such as the death of his father, his mother marrying his uncle, the death of Ophelia, the fact that he had seen the ghost of his father and his constant need for revenge. His insanity was just a cover to hide what was really the problem, that he was burdened with extreme...

Sociology 461 (400 level) - Philosophy of Arts 1st paper Coursework

Sociology 461 (400 level) - Philosophy of Arts 1st paper - Coursework Example There are many philosophers who have tried to define what art is but in this case, the essay will explore the perspectives of Immanuel Kant and Leo Tolstoy. The essay will show that even though the two philosophers have very different approaches to art, they do agree on its universality in that it transcends contexts. First, the definition of art will be discussed followed by how the philosophers judge art and lastly, conclusion. What is art? Immanuel Kant (1724-1804) defines art as â€Å"production through freedom† (Kant 182). This means that a piece of work must be ground on reason or rational considerations. As such, productions which develop without any rational considerations for Kant cannot be regarded as art but as works of nature. For example, the bees honeycombs though they seem well designed are produced through nature and not human design or action hence cannot be regarded as art. For Kant therefore, human intellect is crucial for a piece of work to be produced and be regarded as an art. Art is therefore a skill of human beings developed through experience or after several trials hence perfection. Art is also liberal in nature according to Kant hence does not need compulsion but free spirit (p. 183). Leo Tolstoy (1828-1910) on the other hand, refutes this claim by Kant of art being the product of a rational mind and emphasizes on the role of emotions. For Tolstoy, art is an activity aimed a t conveying the feelings or â€Å"means of communication among people† (Tolstoy 37). In this case, the artist is given great importance in that he or she has to arouse feelings in people. Art is therefore, a human activity whereby one man consciously conveys to others, by certain external signs (movements, lines, colours, sounds), the feelings he/she has experienced (p. 37-40). The audience thus must be infected by those feelings and experience them otherwise the piece of work would cease to be an art. For example, a poem should

Observational films - Corporation Documentary Research Paper

Observational films - Corporation Documentary - Research Paper Example Furthermore, in order to assess the personality of the corporation, there is a checklist employed which uses diagnostic criteria and standard tools of psychologists. These standards are applied to ensure that the organizational principles are human. But the organizational principles that are applied are highly self-interested, amoral, deceitful, and they breach the legal and social standards just to get the profits. The organization does not even suffer with guilt. â€Å"The Corporation† starts with a fast juxtaposition of familiar company logos and specific images, which supports the narration. And narration is giving you facts about the content. I realized that after the first couple of sentences my focus was so much on the visuals that the second time I watched it, I noticed I had missed some key information from the narrative. I understand that the filmmakers wanted to have gripping beginning and wanted to hit you with the important, interesting facts however I rather have something (visuals) that would allow me to think about the narration more. Also I would like the narration to be a bit slower. The bad apple metaphor is a good way to begin. It is a good example and preparation of what the documentary will sum up. It’s true that a big portion of the documentary is using archive footage to support the audio. Even though I found the selection of archival footage very specific and extraordinary, sometimes it gets a bit too literal. First time we see a face in the movie, it ends up with a good twist. The man (Ira Jackson) who is looking right at the camera (audience) finishes with a joke. This part gives you a brief break from all the â€Å"serious† stuff and hints out that this â€Å"boring† documentary about corporations will not be as tedious and boring as it seems to be. Besides having the subject looking right at

How HR Professionals Handle the Challenges Essay - 1

How HR Professionals Handle the Challenges - Essay Example Further, it would tell as to how these challenges should be dealt with by the professionals. It would take into view the Atkinson model of Job Flexibility and would tell as to what the professionals should do to provide the workers of the firm with a better working environment. The title of this paper is â€Å"The Challenges faced by the HR professionals when creating a better environment†. Flexibility in an organization refers to the provision of such principles and rules which provide its employees with an environment where they can easily balance their work and personal commitments like education, social activities, family relations, professional advancement and other leisure activities. The application of flexibility in the business depends on "securing lower labor costs, tighter manning levels, higher machine utilization, greater staff mobility and few interruptions and bottlenecks in production" (Blyton 1992, p.301 cited in Sheridan, Conway 2001 pp. 8). To understand the concept of flexibility Atkinson's model of flexibility is very useful and of paramount importance. He explains four kinds of flexibility, which firms may achieve, namely functional flexibility, numerical flexibility, pay flexibility and distancing flexibility. Functional flexibility is identified as a qualitative approach to work and talks about managements ability to organize and reorganize particular segments of the labor force on a broad variety of tasks in reply to market demand when needed (Sparrow 1998 cited in Teicher & Holland 2006 p. 241-242). The workers are given proper training in a broad number of skills in order to make its achievement certain. The unpredictable nature of consumer demands of the products makes this type of flexibility to continue in the market.  

Prime TV, New Zealand Strategies for Customer Attention

Prime TV, New Zealand Strategies for Customer Attention introduction to media studies PART 1 Introduction Prime TV is one of the oldest news channels in New Zealand that has managed to gain a large customer share in the market. A lot of people get information and entertainment from this channels and the most important fact is that it has become so popular that today it is the â€Å"word of mouth† in the whole world. The following paper explains the strategies used by Prime to grab and retain customer attention. Question 1: The introductory title, music, graphics and images of the news are all designed in such a way that they tend to grasp the attention of the users. A strategy used by Prime to do this is to portray real pictures or real life experiences of people. This means that Prime is always interested in hearing from people what they saw or what they felt about a particular instance and then portraying the same thing to other users. Similarly, with regards to the graphics and visionary effects created by Prime, it is clearly visible that they are distinctive and attracting so that they can convince people to watch them. This holds true for all sorts of dramas, news, reality shows and other sport related programs. The example shows the use of distinctive graphics, catchy colors and striking illustration to grab viewer’s attention. Question 2: The number, appearance and style of the presenters are also designed in a unique way. Apart from the graphical and visual effects of news, Prime has also focused on the efficient way in which the presenters deliver those news to the users. The style, appearance and number of the presenters portraying the news have been designed in such a way that could give more authenticity, credibility and reliability to the news. This makes Prime more prominent than other similar channels in the same capacity. The major presenters are Eric Young, Alistair Wilkinson and Charlotte Bellis. All of them are from highly professional journalism backgrounds and then expression, their style of speaking, their postures, their gestures and their tone are all good enough to convince people to watch the news. Thus, it can be said that the strength of Prime is multidimensional. On the one hand, the news are designed in a perfect way to capture attention and on the other hand, the presenters have an excellent tone and expression. Both of these factors collectively add to the success of Prime and maintain its strong position among other competitor TV channels. Question 3: The language, vocabulary and general discourse used to describe various news events is highly distinguishable and unique. The headlines of the news are written in such a way that they grab reader’s attention instead of describing a general abstract which is already known to the public. This can be illustrated by using an example of news from TV3: â€Å"Silent Leadership channel coming up† This news creates some sort of curiosity and suspense among the readers and convinces them to click on and read the actual news. In the original description, TV 3 has used highly professional vocabulary and expression to portray what is expected to be the future of leadership. For example: the author of the news says that the aim is to change the present attitudes towards those people who are hearing impaired. After describing why it needs to be done, the news promoted a general discourse in such a way that by the end of this news description, the reader is convinced to change his mind towards charity. This means that the TV 3 or Prime news are designed in such a way that they become different and catchy in the beginning and descriptive and convincing in the end. Question 4: Sometimes, the viewers agree to the assumptions made by the news programs and thus, it can be said that these news programs are quite convincing for the people. An important factor that is used to convince people is appeals. There can be appeals to logic, appeals to character, and appeals to reasoning, emotions and so on and so forth. The examples of Prime show that in news related to sports and entertainment, usually the appeal to characters is used. This is done by giving description about some famous sportsman, some celebrity and so on. In the example related to leadership described in the above question, emotional appeal has been used by the news makers. The news describes that hearing loss is becoming quite common in New Zealand particularly in workplaces. The description of news tells about preventive measures to control this hearing loss by describing what would happen if precautionary measures are not taken. Thus, we can say that hearing is important for every person and hearing loss is a big disease and problem. Therefore; this news has targeted at people through using an emotional appeal which means that Prime and TV 3 are using appeals as a strong tool to convince people in certain direction. Thus, the above analysis indicates how Prime has maintained its strong position by gaining attention from a large number of customers in the market. Part 2 Campbell live is a New Zealand current affairs TV program which involves series of 30 minutes each. These short news programs are shown at 7p.m from Monday to Friday and their host is John Campbell. These documentaries follow a typical pattern or sequence of stories and discussions that are shown to the people. The prominent feature is that the host as well as other presenters make use of their efficient personal style and tone to make this show a great success. Some of the major presenters are Auckland, Jendy Harper, Dan Parker, Rebecca Wright and so on. Firstly, the topics selected for this show are different and attractive for the customers. After this, these topics are discussed and explored in such a way that they could provide maximum information and critical analysis to the people. The host himself adds to the credibility of the show. His style, tone and expression are such that he grabs attention of his viewers through discussion. His basic quality is that he promotes a healthy discussion and discourse among the competitors involved. Interaction is the best way to encourage discussion among the people. Thus, it can be said that by promoting interaction, John Campbell has made his program very popular and attractive for his viewers. Another important aspect is the structure of 30 minute program. From beginning to end, the whole program is designed in such a way that there exists a proper flow of information in the discussion. This structure is efficient in a single program as well as in the whole series from Monday to Friday 7 p.m. The Campbell Live consists of national as well international news. From a diverse range of topics for example: recorded stories, interviews, news material, events and happenings, current affairs and so on. Thus, it can be said that all of these factors collectively contribute towards the success of the program. This impact can be proved by exploring the following example: What does the future hold for legal highs? This show was displayed on the Campbell series of 28th April, 2014 which explains the impact of synthetic cannabis on the lives of people. This case study shows that the host as well as the presenters focused on communities and people throughout the country. The discussion showed that Campbell had travelled across the country to illustrate the examples he described in his show. The other presenters also gave their viewpoints on the subject in a proper sequence. Thus, it can be said that the narrative of this cases study was structured in a highly interactional way. This was not a one sided story rather an effort had been made to describe both sides of the story. It explains the impact on community as well as their reaction. Conclusion Thus, the above mentioned analysis indicates that Prime TV and News 3 have been highly focused in terms of their structure, style and portrayal of news. The use of strategies have been deployed according to the need and type of the news being described. Moreover, by using the case study example from Campbell Live, the paper also showed the role of presenters in the delivery of these news programs. Hence, it can be concluded that the way news is structured can play an important part in shaping the opinions and views of the people and society at large.

Old Age in An Old Mans Winter Night and Follower Essay -- Robert Fros

Old Age in An Old Man's Winter Night and Follower This poem has a very direct title which intices the audience to find out more and is very similar to that of a Hollywood movie and uses plain language. From the 1st line we can see the boy’s possessiveness of his father from the words â€Å"My† we also know it is referring to the past from the tense of the word â€Å"worked† we also find out that he works on a farm. In the next 3 lines we can see the poets admiration for his father by the way he talks about the size of the man â€Å"globed like a full sail strung† and his strength. We see that his father was a real expert at his job by the way he can control horses with his tongue, heaneys intention was to show us the mans expertise and how he was in full control, it also shows us how hard the horses were working for him. In the next stanza on the 1st line Heaney calls his father â€Å"an expert† then pauses for affect to let it sink in, this is to show us the mans power and also the pure admiration from his son. In the next 2 lines we are again told about how good he was at his job â€Å"sod rolled over without breaking† the language which is used almost makes it seem effortless for the man. In the next stansa we see Heaneys use of enjanment with a run on line â€Å"Turned around – And back into the land† which reflects the movement of the plough. In the 3rd line we can see his father â€Å"narrowed and angled at the ground† using only his skill, not instruments, this makes him appear very wise and we can see that the boy is once again admiring his skills. In the next stansa we can see how the boy is clumsy in comparison to his father â€Å"I stumbled in his hobnailed wake† we also see his clumsiness from the word â€Å"fell† in the... ...the old man and his quality of life. After reading both poems we are given 2 different views on old age by 2 different poets. In Robert Frosts a lot of pity is felt for the old age and the poet seems to be very concerned about the quality of life being lived by the old man, he sympathises with the loneliness and feels sorry for the old man. Heaney seems to have a quite a different view on old age and we almost feel as if he is annoyed at his father for not being able to care for himself now, he is frustrated that the man whom he always looked up to has now become frail and now follows him around opposed to when he was a child. Out of the 2 poems I prefer Robert Frosts â€Å"An Old Mans Winter Night† as I believe that it has much more meaning to it and it really gets into the life of the old man and gets sympathy from the reader and gets them involved.