Teaching by Principles - 2646 Words

Teaching by Principles: An Interactive Approach to Language Pedagogy Brown, H. D. (1994). Teaching by principles: An interactive approach to language pedagogy. Englewood Cliffs, New Jersey: Prentice Hall Regents. 416 pp. Reviewed by Gail Schaefer Fu The Chinese University of Hong Kong H. Douglas Browns Teaching by Principles is intended for teachers in training -- those who intend to be teachers but who have little or no classroom experience -- and for teachers who train teachers. It is centered, not surprisingly, around certain principles of language teaching and learning, echoing Browns own Principles of Language Teaching and Learning (1994). His new book Teaching by Principles is itself a manifestation of the principles which it†¦show more content†¦One can adapt things, in other words, to fit realities without trying to change an entire system. THE PRINCIPLE OF READABILITY: Browns prose is a pleasure to read because it is clear, concise, and to the point. He does not strive to make straightforward ideas appear more complex than they actually are and, in reverse, he can explain ideas that are complex or specialized in ways that do not require an advanced degree in research methodology to understand. For example, when discussing the matters of input and intake in second language acquisition, Brown writes: In other words, you could be `exposed to great quantities of input, but what counts is the linguistic information that you ultimately glean from that exposure though conscious and subconscious attention, through cognitive strategies of retention, through feedback, and through interaction (p. 234). In part Brown achieves such readability by being generous with his use of examples and illustrations, and also by his conversational and sometimes lighthearted approach -- his use, for example, of the pronoun you, of questions to t he reader and, occasionally, of small jokes (as when he refers to 28,732 techniques for teaching language) or anecdotes. THE PRINCIPLE OF ACCESSIBILITY: The book is written and formatted in such a way that the content is easy to follow and retain, and additional information appears close to hand. This is accomplished in part by the usualShow MoreRelatedTeaching by Principles2659 Words   |  11 PagesTeaching by Principles: An Interactive Approach to Language Pedagogy Brown, H. D. (1994). Teaching by principles: An interactive approach to language pedagogy. Englewood Cliffs, New Jersey: Prentice Hall Regents. 416 pp. Reviewed by Gail Schaefer Fu The Chinese University of Hong Kong H. Douglas Browns Teaching by Principles is intended for teachers in training -- those who intend to be teachers but who have little or no classroom experience -- and for teachers who train teachers. It isRead MoreTeaching Principles Of The Game Teaching Essay1782 Words   |  8 Pages3. Teaching principles in the use of the game teaching If teachers want to play a better role of game teaching, they must focus more on the following points. First, game contents and methods require national design. Based on game teaching, teachers will reasonably and flexibly arrange teaching activities, avoiding excessive interference on students. Through a series of activities, students’ attentions are kept so that the whole learning goes toward the direction of teaching principles. Second, gameRead MorePrinciples Of Communicative Language Teaching2063 Words   |  9 PagesPrinciples of Communicative Language Teaching The ever-growing need for good communication skills in English has created a huge demand for English teaching all over the world. Nowadays, many people want to improve their command of English or to ensure that their children achieve a good command of English. The worldwide ultimatum for English has created a gigantic demand for quality language teaching, language teaching materials and resources, and appropriate teaching methodologies. Accordingly, theRead MoreEffective Pedagogic Principles For Teaching1870 Words   |  8 PagesIntroduction ( 250) This essay will be analysing the most effective pedagogic principles for teaching in the early years or reception class. It aims to make available an improved understanding of the variety of pedagogical principles within early years classroom and the strategies that can influence the choice and application of different pedagogies. It is world widely known that ‘’ early years’’ of a child starts from the moment they are born to the age of 5. What role do teachers play in deliveryRead MoreIslamic Teachings And Principles Of Isis858 Words   |  4 PagesHumom Asamarai Eng 1021.32 Final Draft 3 Poindexter Inevitable Blowback Many claim that ISIS has been created as a result of Islamic teachings and principles. This is false. Islam has existed for over 1,400 years. If the above claim had an ounce of truth to it, ISIS would have emerged long ago. Constant instability in the Middle East and the struggle for political power in the region are some, but not all of the reasons for ISIS’ existence. State sponsored Islamophobia and fear-mongering of MuslimsRead MoreComputer Technology and Teaching Principles1869 Words   |  8 PagesComputer technology is one the most innovative advancements in modern-day education. Technology has made its way into the world of teaching practice and principle by expanding the way we approach instruction in the classroom. We are no longer confined to pencil and paper, but have the ability to project and present knowledge in an enhanced way to capture the minds of a generation of students whose society is built around ever expanding world of computer technology. As facilitators of learning, ourRead MoreMy Basic Teaching Principle For Students882 Words   |  4 Pages My basic teaching principle is preparing students to face different challenges in life, particularly if they choose to contribute or lead the community where they live. For various reasons, students take my class. Often, the course is among the requirements of their major or a job position, e.g. for those who are future high school teachers. Others take it because they are interested in course topics, e.g. students interested in world politics enroll in international relations class. RegardlessRead MoreThe Principle Teachings About Peace in Judaism and Christianity1971 Words   |  8 PagesAnalyse using sacred scripture and a variety of sources the principle teachings about peace in Judaism and Christianity and how these teachings impact on the life of each adherent’s tradition, as a means of achieving inner peace. Living and perpetuating a life of peace are central to the Christian and Jewish religious expressions. The teachings of peace which underpin both Christianity and Judaism are existent in their sacred texts; The Bible for Christians, The Torah and Mishnah Torah for JewishRead MorePrinciples of Teaching 1: the Relationship of the Taxonomy of Objectives with the Guiding Principles in the Selection and Organizing of Contents8317 Words   |  34 PagesPHILIPPINES Gen. Santos Ave., Upper Bicutan, Taguig City TAGUIG CAMPUS PRINCIPLES OF TEACHING 1 SEED 3043 2ND Semester SY2010-2011 The Relationship of the Taxonomy of Objectives with the Guiding Principles in the Selection and Organizing of Contents Prepared by: GARCIA, JENNIFER A., BSED II-1 Submitted to: DR. JUANITA B. CARLOS March 19, 2011 INTRODUCTION The Relationship of the Taxonomy of Objectives with the Guiding Principles in the Selection and Organizing of Contents is the concept I chooseRead MoreThe Catholic Social Teaching Principles are a tool to achieve the common good. In the past and in800 Words   |  4 Pages The Catholic Social Teaching Principles are a tool to achieve the common good. In the past and in today’s world the common good is short of being what is good for the whole world and has become what is good for a single society. The Cherokee Indians face the common good of the United States’ culture being forced on to them. Due to this they have lost what their culture was about, along with hundreds of lives. We can see how the Catholic Social Teaching Principles a line with their past ways, and

Spanish Expressions Using the Verb Estar

As one of the verbs meaning to be, estar finds its way into numerous idiomatic expressions whose meaning may not be obvious at first. Following are some of the most common and/or useful of them, along with sample sentences taken from contemporary writing. Appropriate translations can vary, depending on the context. Spanish Expressions Using Estar dà ³nde estamos (an expression of amazement or disgust at what is being witnessed).  ¿Dà ³nde estamos?  ¡No lo puedo creer! (Whats going on here? I cant believe it!) estar a aà ±os luz (to be light years away, literally or figuratively): Eso plan està ¡ a aà ±os luz de lo que necesita la industria. (That plan is light years away from what the industry needs.) estar a gusto (to be comfortable). Estoy a gusto en mi trabajo. (I am comfortable with my job.) estar a la moda (to be in style): Los pantalones de campana no està ¡n de moda. (Bell-bottom pants arent in style.) estar a la que salta (to be ready to take advantage or make the best of a situation). Durante la Guerra Frà ­a, tantos rusos como americanos estaban a la que salta por averiguar quà © hacà ­a el otro. (During the Cold War, as many Russians as Americans were ready to jump at the chance to figure out what the other side was doing.) estar al caer (to be on the verge of arriving). El Galaxy S10 està ¡ al caer, y podrà ­a costar 899 dà ³lares. (The Galaxy S10 is almost here, and it could cost $899.) estar al loro (to be on top of things). Puedes hablar de todo, porque està ¡s al loro de lo que sucede diariamente. (You can talk about everything, because youre on top of everything that happens daily.) estar a oscuras (to be ignorant or in the dark). Estoy a oscuras en estos temas. (I am in the dark about these subjects.) estar a punto de (to be on the verge of). Estaba a punto de llamarte. (I was just about to call you.) estar al corriente (to be up to date or current). No estoy al corriente en mis pagos. (Im not up to date with my payments.) estar al dà ­a (to be informed). Quiero estar al dà ­a con todo lo que pueda con mi bebà ©. (I want to know about everything that can happen with my baby.) estar al là ­mite (to be at ones limit in patience). En estos momentos estoy al là ­mite, y me hace daà ±o ver como mi novio se autodestruye. (These days I am at my limit, and it pains me to see how my boyfriend is self-destructing.) estar de buen à ¡nimo (to be in a good mood). Mariano explicà ³ que ayer su padre estuvo de buen à ¡nimo. (Mariano explained that yesterday his father was in a good mood.) estar de mà ¡s (to be excessive). La seguridad nunca està ¡ de mà ¡s durante la presencia del presidente. (There is never too much security during the presence of the president.) estar de vuelta (to have returned, to be back): Los campeones està ¡n de vuelta para luchar otra vez. (The champions are back to fight again.) estar en paà ±ales (literally to be in diapers, figuratively to be new at something): Ocurrià ³ cuando nuestra democracia ya estaba en paà ±ales. (It happened when our democracy was just getting started.) estar mal de (un à ³rgano del cuerpo) (to have a bad body part). Roger estaba mal de la espalda y no podà ­a jugar con toda su capacidad. (Roger had a bad back and couldnt play to full capacity.) estar por ver (to remain to be seen). Y està ¡ por ver la respuesta del Gobierno de Espaà ±a. (The response of the Spanish government remains to be seen.) estar sin un cobre, estar sin un duro (to be broke). Recuerdo una à ©poca que yo estaba sin un duro. (I remember a time when I was flat broke.) estar visto (to be obvious). Estaba visto que no era particularmente una buena opcià ³n. (It was obvious that it wasnt particularly a good option.) llegar a estar (to become).  ¿Cà ³mo llegaste a estar delgada tan rà ¡pido? (How did you become thin so quickly?)

Essay on Comparing Walt Whitman and Emily Dickinson

Comparing Walt Whitman and Emily Dickinson The lives of Walt Whitman and Emily Dickinson have many similarities and differences. Here, we will focus on the similarities in their lives in order to bring to attention a correlation between Whitmans poem I Saw in Louisiana a Live-oak Growing and Dickinsons poem # 1510. Both poets wrote during the time of Romanticism, even though Whitman was Dickinsons senior by some eleven years. This however did not influence the way the writing styles of many of their poems coincided. Loneliness was an important characteristic of both poets lives during the writing years. Whitman, whose sexuality has been questioned, was never one for social interaction. Much of his time was spent†¦show more content†¦Many people believe that this mimics Whitmans life. Living in a life of social separation much of the time, he still managed to succeed not only with his writing, but also in life itself. However, in line five Whitman goes on to say that he wonders how the tree could grow such joy ous leaves while being alone. He himself says that he could not survive if put in the same situation. Whitman did however lead a joyous and happy life in many peoples opinion, even though he did not enjoy the social life many other had during his lifetime. His own opinion of himself not being lonely may be frayed in order to spare the image he proposes to the public in his writings. The next few lines are interesting because of the way they could possible spell out Whitmans life. In the poem, he breaks of a twig, wraps some moss around it, and takes it to he room and places it in plain view. This may parallel his life by way of his memory. The twig may represent pieces of his memory that were enjoyable to him. He then takes the twig and places it in his room signifying that he wants to be able to constantly see those fond memories. Again Whitman replies by saying he did not do this to remind him of his friends, but in reality he may have just said this to help keep a good r eport with his readers about his lifestyle. In Dickinsons poem # 1510 she also focuses on loneliness. In the first two lines,Show MoreRelated Dickinson Vs. Whitman Essay1229 Words   |  5 Pages Dickinson vs. Whitman After receiving five years of schooling, Walt Whitman spent four years learning the printing trade; Emily Dickinson returned home after receiving schooling to be with her family and never really had a job. Walt Whitman spent most of his time observing people and New York City. Dickinson rarely left her house and she didnt associate with many people other than her family. In this essay I will be comparing Emily Dickinson and Walt Whitman. Emily Dickinsons life differs greatlyRead More Essay on Walt Whitman and Emily Dickinson970 Words   |  4 Pages Walt Whitman and Emily Dickinson nbsp; In America’s history, there have been so many writers, but only few are known for changing the course of American literature.nbsp; Two writers that fit this description are Emily Dickinson and Walt Whitman.nbsp; These two poets have different styles of writing but possess the same themes from the social environment that they are surrounded in.nbsp; The poetry reflects these poets’ personality and their own style of writing.nbsp; Whitman had an outgoingRead MoreEmily Dickinson And Walt Whitman1719 Words   |  7 PagesThey find a way to insert themselves and their emotions into words that move the readers in some way. One of the most popular periods of writing would be the romanticism era. Some of the most well known authors in this time period were Emily Dickinson and Walt Whitman. The reason they are so popular from the Romanticism period is because they also incorporated their transcendental ideas into their work. Romanticism has been described as a Protestantism in the arts and letters, an ideological shiftRead MoreHow Fa Has the Use of English Language Enriched or Disrupted Life and Culture in Mauritius15928 Words   |  64 PagesREADINGS CLOSE READINGS Post your close reading posts here. Share this: †¢ Twitter †¢ Facebook †¢ Like this: Like Loading... [pic] 26 Comments on â€Å"CLOSE READINGS† 1. [pic]John Cooper says: July 13, 2011 at 3:36 pm Emily Dickenson’s poem â€Å"Because I could not stop for Death† details the events the narrator experiences after dying. In the poem, the narrator is driven around in a horse-drawn carriage to several places, including a schoolyard, a field of wheat, and a houseRead MoreHistory Now1070 Words   |  5 PagesSection D, Poetry Section Warm-up: The Art of the Epitaph Using the Study Guide to read Poetry Reading 3: Annabel Lee, by Edgar Allan Poe Reading 4: Because I Could Not Stop for Death, by Emily Dickinson Spring Break No tasks due Friday, 3/30/2012 Reading 5: Full of Life Now, by Walt Whitman Reading 6: Do Not Stand at My Grave and Weep, by Mary Frye Reading 7: A Stone I Died, by J. Rumi Poetry Quiz, 30 points Begin Unit: Life and Death, Section E, Grammar Connection SectionRead MoreAnalysis Of Walt Whitman s When Lilacs Last1767 Words   |  8 Pages Walt Whitman’s â€Å"When Lilacs Last in the Dooryard Bloom’d† has often been linked to Abraham Lincoln’s assassination. Written in the form of an elegy, the assassination itself provides the occasion, whereas the subject is broader than the occasion. Lincoln’s name is never mentioned throughout the poem, allowing the historical considerations to give way to universal significance. This is demonstrated when Whitman transitions, â€Å"Nor for you, for one alone. Blossoms and branches green to coffins all I

Common Sense By Thomas Paine - 992 Words

A poet once said, â€Å"There are two documents in American history that made America what it is today. Common Sense by Thomas Paine was inspiring to many American colonists as it was persuasive in showing how the colonists should have their own independence. Paine appealed the average citizen’s rationale, hence the title Common Sense. Paine’s pamphlet illustrates the importance of independence, and argues that colonial life under British rule was detrimental to America’s potential to become prosperous. In a fairly lengthy, but readable style, Paine discusses the differences between democracies and monarchies, specifically Great Britain’s. Paine shows how monarchy creates large disparities between the Kings and Queens and the average citizens, and the citizens have no voice in who becomes their ruler. By contrast, he believes that a government under democratic rule elects leaders based on the demand of the people. Much shorter, but just as equally influe ntial, The Declaration of Independence was a famous document that was authored primarily by Thomas Jefferson. Jefferson mentions how the colonies should be considered as equals with their English counterparts and why it is important for man to have freedom. Paine and Jefferson both want Americans to succeed, but they also have some notable differences in their documents. The Declaration of Independence called for the colonists to have the same rights as the British, and it was mainly directed for England to see that AmericansShow MoreRelatedCommon Sense by Thomas Paine859 Words   |  3 Pagesâ€Å"Common Sense† Common Sense is a pamphlet made in 1775-76 by Thomas Paine. This pamphlet inspired the thirteen colonies to declare war and fight for independence against Great Britain. It was straight forward and told Great Britain exactly the advantages of being independent from them. On January 10, 1776 during the American Revolution, the pamphlet was published and became a huge topic in the community. It was the biggest talk of the colonies. In proportion to the population, the book was the biggestRead MoreCommon Sense by Thomas Paine1396 Words   |  6 PagesCommon Sense was written by Thomas Paine and published in 1776. Paine wrote it as a plea for the American people to break away from Britain and to declare independence from the king. He was asking his audience to take a step back and see that just because something is tradition, does not mean it is necessarily right. Paine wanted to show his readers that government and society is not the same thing, which is how most people viewed it. Society was something that people should want to have, whileRead MoreCommon Sense By Thomas Paine957 Words   |  4 Pagespolitical pamphlet known as Common Sense was written by Thomas Paine in 1776. This pamphlet contributed in promoting the independence of America. In the pamphlet Thomas Paine challenged the American colonists to separate from England and create a democratic and independent society. Along with challenging the American colonists, he hinted at his own opinions about a democratic government that America should plan towards if they seek to separate from England. Thomas Paine also bluntly proposed thatRead MoreCommon Sense By Thomas Paine1574 Words   |  7 PagesCommon Sense was written by an Englishman, Thomas Paine, who came to the American Colonies in 1774. He had strong opinions about the British Monarchy – and monarchy in general – including the fact that by nothing more than an accident of birth one man had rule over so many other humans. He v iewed this elevation to monarch unnatural as all men are created equal. Additionally, Paine notes that â€Å"there is something exceedingly ridiculous in the composition of Monarchy; it first excludes a man fromRead MoreCommon Sense By Thomas Paine1036 Words   |  5 PagesCommon Sense is a pamphlet written by Thomas Paine that inspired people in the Thirteen Colonies to declare and fight for independence from Great Britain. It was actually first published anonymously. Thomas Paine’s basic theme throughout Common Sense is that government is a â€Å"necessary evil†. His argument begins with more general reflections about government and religion, then progresses onto the specifics. There is a quote from the first page of Common Sense that lays out Paine s general conceptionRead MoreCommon Sense By Thomas Paine1244 Words   |  5 PagesIndependance, Why They Should Thomas Paine, an English political philosopher and writer made his way to the colonies when his good friend, Benjamin Franklin convinced him to do so. He worked as an editor for the Pennsylvania Magazine. Although, published anonymously in 1776, Paine was the man behind Common Sense, a political pamphlet that was distributed between all the colonies and challenged the British government by suggesting American Independency. Paine wrote the Common Sense because in his mind heRead MoreThomas Paine And Common Sense1579 Words   |  7 PagesThomas Paine and Common Sense In colonial America, Britain’s colonies were subjected to many Parliamentary acts that were considered to be, by many of the colonists, oppressive. The Declaratory Act, the Coercive Acts, and numerous other tax-based acts were just a few of the many examples of the controlling behavior displayed by the British Parliament toward their North American colonies. This seemingly oppressive behavior by the British Parliament had not gone unnoticed by those outside ofRead MoreCommon Sense By Thomas Paine1438 Words   |  6 PagesKayla Boucher Doctor Hockin AMH 2010 22 January 2015 Common Sense The book Common Sense by Thomas Paine was an American pamphlet written during the American Revolution, which was around the time when America was trying to gain independence from Britain. Paine discusses government, religion, and colonial issues. In the first chapter Paine differentiates between the society and the government. He described the society as being positive and constructive and he described the government beingRead MoreCommon Sense By Thomas Paine770 Words   |  4 PagesThomas Paine first published Common Sense anonymously in 1776 and immediately became popular. I choose to read Common Sense by Thomas Paine, in order to know America and hopefully to understand the philosophy behind the founding of the country and how its government system was set up to function. In my opinion, one of the main reasons Thomas Paine’s pamphlet became favoured was because Paine used a lot of common sense opinions that most people could understand. In his pamphlet Common Sense, ThomasRead MoreCommon Sense By Thomas Paine934 Words   |  4 PagesCommon sense is a pamphlet created by Thomas Paine for the American colonies to get their independence from the British government and for the people to be able to choose the rulers or officials to govern over them. In Thomas Paine pamphlet he had four sections which where origin and design of government in which he states that elections where the right thing for any government because it represents the people, of monarchy and succession that lineage of kings should not be the head of government

Chapter 46 Ecology Of Populations - 943 Words

Katie Smaldone Ms. Foco AP Biology: Textbook Questions July 24, 2016 Chapter 46 Ecology of Populations 1.Ernst Haeckel contributed much to the scientific world with the creation of the word â€Å"ecology† opening the door to a whole new branch of science. He kicked off the study of ecology when he explained how ecology and evolution revolve around one another. 2.Define the following: a.Ecology-the study of interactions among all organisms and with their physical environment b.Habitat-the place where the organism lives c.Population-all the organisms belonging to the same species within an area at the same time d.Community-all the populations of multiple species interacting at a locale e.Biosphere-the zones of the Earth’s soil, water, and air where organisms are found 3.The difference between population density and population distribution is vast. While population density is the number of individuals is the number of individuals per unit area, population distribution is described to be the pattern of dispersal of individuals across an area of interest. 4. a.Abiotic factors are all the nonliving aspects of an environment. b.Biotic factors are all the living factors of an environment. c.Abiotic and biotic factors both can easily affect individuals changing how well they can thrive, survive in an area, and determine where they can live. 5.The three patterns of distribution are clumped, random, and uniform. A clumped pattern of distribution is whenShow MoreRelatedSystems, Society and Sustainability Essay3714 Words   |  15 Pagesthese challenges more clearly, and applies them to the case of urban water systems. 1. Learning Outcomes Upon completion of this course you should be able to: 1. Understand the concept of sustainable development as a response to global crises of ecology and human development 2. Describe the role of engineering systems in achieving sustainable development 3. Outline key features of socio-technical systems and their relevance to the challenge of sustainable development 4. Apply theories of socio-technicalRead MoreOverconsumption or Overpopulation: Which Is the Bigger of Two Vices to the Progress of Sustainability Today?2873 Words   |  12 PagesGlobal and Regional Sustainability Over-population or Overconsumption: Which is the bigger of two vices to the progress of sustainability today? In the age, where the collective value of goods and commodities, the strength of economic markets and the accumulated wealth of individuals dictate the ease of life and the standards of living within society; it is imperative that we as a species reiterate to ourselves that the natural resources that enable us to fulfil all our basic needs, fashionRead MoreOrganizational Decline2602 Words   |  11 PagesCompanies Enter the Decline Stage, Following Organizational Inertia and Changes in the Environment. By Miford Lau May 11, 2010 Table of contents Abstract 3 Chapter 1 - Overview of Organizational Decline 4 Chapter 2 - Organization Inertia 5 Chapter 3 - Changes in the Environment 9 Chapter 4 - Conclusions and Suggestions 11 Reference 12 Abstract It’s not difficult to establish a new business organization when there isRead MoreSustainable Supply Chain13609 Words   |  55 Pagesviability – to the logistics literature, and position sustainability within the broader rubric of SSCM. They then present a framework of SSCM and develop research propositions based on resource dependence theory, transaction cost economics, population ecology, and the resource-based view of the ï ¬ rm. The authors conclude by discussing managerial implications and future research directions, including the further development and testing of the framework’s propositions. Originality/value – This paperRead MoreImpact of Industrialization, Urbanization and Globalization Among Thetribals in India8716 Words   |  35 PagesFOR CHURCH GROWTH IN SUCH SITUATION By T. Sonchung Koren Department of Missiology COTR Thelogical Seminary, Visakhapatnam 8thh September 2008 TABLE OF CONTENTS INTRODUCATION CHAPTER ONE THE IMPACT OF INDUSTRIALIZATION ON TRIBALS 1.1. Definition of the term Industrialization 1.2. The negative impact of Industrialization 1.2.1. Massive displacement of the tribal people 1.2.1.1.Read MoreDried Malunggay (Moringa Oleifera) Leaves in Ethanol Production6983 Words   |  28 Pages In Partial Fulfillment of the Requirements for Research I Proponents: Catangay, Jhantal A. Gicana, Emchie Elaine R. Marasigan, Jan Ian B. Natividad, Abigail Jacinthe B. Viaje, Kyrinne Kate M. Zara, Hazel Jane Muriel C. March 2012 CHAPTER 1 THE PROBLEM AND ITS BACKGROUND We all know that ethanol or ethyl alcohol has a very good contribution to our life. Ethyl alcohol is an important industrial chemical. It is used as a solvent, in the synthesis of other organic chemicals, and asRead MoreEssay on Silent Spring - Rachel Carson30092 Words   |  121 Pages...............6 Chapter One..........................................................................................................6 Chapters Two and Three.......................................................................................6 Chapters Four, Five, and Six................................................................................7 Chapter Seven.......................................................................................................7 Chapter Eight............Read MoreVolvo Marketing Strategy36220 Words   |  145 Pagesmanufacturer for our French sample which does not spot enough advertisement about the new models of the brand and which is more demanding on desig n. This is why, among other recommendations, we suggest Volvo to advertise more on certain values like ecology which is not well recognized and to focus more on some channels of communication, depending on the location. Key words: Marketing strategy, Volvo, Adaptation, Brand image, Consumer perception, France, Sweden. Table of contents 1. IntroductionRead MoreBarriers to Entry and Learning Objective3461 Words   |  14 PagesChapter 04 The External Environment    Multiple Choice Questions    1.  (p.  81)  The external environment can be divided into various subcategories:   A.  Remote, political, social B.  Remote, social, operational C.  Remote, industry, operating D.  Technological and social    Difficulty: Easy Learning Objective: 1    2.  (p.  81)  A firms external environment includes a remote sector, industry sector and an operating sector. The remote sector includes which of the following categoriesRead MoreStrategic Management Business Policy5593 Words   |  23 Pagesy Strategic Management Business Policy, 12e (Wheelen/Hunger) Chapter 1 Basic Concepts in Strategic Management 1) Strategic management is one decision that determines the short-term performance of a corporation. Answer: FALSE Diff: 1 Page Ref: 5 Topic: The Study of Strategic Management 2) In the externally oriented planning phase, plans are developed by heavily involving the input of managers from lower levels. Answer: FALSE Diff: 2 Page Ref: 5 Topic: The Study of Strategic Management 3)

Business Plan and Marketing of Central Queensland University

Question: Discuss about the Marketing of Central Queensland University. Answer: Background of the University Originally, the University was established in 1967 in Rockhampton. Initially, the university was known as Capricornia (Institute of Technology). It was one of the few Australian Institutes to start the provision of distance learning by 1974 (CQUniversity, 2012). Further campuses were developed between 1978 and 1989 in Gladstone, Bundaberg, Mackay, and Emerald. Later in 1992, the institute attained the status of a University and it became to be known as Queensland University. Currently, the CQU has grown to open branches throughout Australia, its campuses in Townsville, Brisbane, Sydney, Adelaide, Melbourne, Cairns, and Noosa (CQUniversity, 2012). Apart from the campuses, the University has also study centers in Yeppoon and Biloela, Partner study hubs in New South Wales, Cooma, Queensland, and Karratha, also the University has opened Distance Education centers in Townsville and Perth. The University has been in existence for more than 20 years, and now after merging with CQ TAFE in 2014, CQU has been able to provide a range of diverse educational courses and training programs to an average of 30000 students studying for various educational programs, ranging from certificates to doctorate degrees (Queensland Government, 2017). The areas of study include Accounting and Law, Apprenticeships, Performing and Visual Arts, Digital Media, Creative, Health, Education and Humanities, Information Technology and Psychology, Engineering and Built Environment, Business, Work and Study Preparation, Trades and Training, Science and Environment,and Social Work and Community Services (CQUniversity, 2017). The amalgamation of CQU and TAFE saw the development of the first Queensland dual sector university. The university provides an approach that is more comprehensive towards training, education, engagement and research in the whole region of Queensland and beyond. Market Summary Generally, there are 43 universities in Australia, among these universities there is a specialty private university and two international university ( Australian Universities Quality Agency, 2011). In terms of employment, the universities provide jobs for more than 125000 staff. In 2014 the Australian economy gained from more than $ 140 billion from the universities ( Australian Universities Quality Agency, 2011). The universities have provided education for more than 1.4 million local and international students. The Australian market serves both the local and international students, with the average enrollment of international students standing at 375,000. The third largest service export in Australia is the international student education which accounts to close to $ 22 billion annually. With the regulations changes and demand in qualifications requiring qualifications for specific opportunities for employment, the 37% of age group of between 25-35 years old holds a bachelor or higher degree. According to a recent demand assessment report, the number of student enrollment to Australian universities grew to 1.41 million in 2015 (Australian University Network, 2017). Going with the average growth rate, it is expected that the annual growth rate is at 8%. This indicates that in coming years, the annual revenue generated by the universities in Australia will continue to increase. Market Segmentation and Analysis of the Target market The CQU has spread across Australia, including the Queensland region and other major cities such as Brisbane, Perth, Melbourne, Adelaide, Sydney, etc. The students are made up of students from all over the world, with the majority of the students being the local students who are in need of quality education at a reduced cost. Students can enroll in four major courses, namely: Research higher degree, Vocational Education and Training, Undergraduate and non-award, and Postgraduate coursework. Through its numerous campuses, the university has access to the vast Australian market and opportunities to attract international students. According to the universitys website, in 2016 more than 5000 students were international students out of the total number of 22000 enrolled that year. Demographic Segmentation The university provides different modes of learning for its students ranging from distance learning to campus study. The university also provides arrange of different types of courses and more than 41 exchange programs. The information below shows the university market segmentation: Variable Specification Lifestyle: Wealthy class, Higher class, and Middle class. Age: 17-35 Gender: Female and Male Education Level: Above or high school Student Citizenship: Australian and International Personality: Self-confident, independent, and future concerned PEST Analysis PEST analysis allows the staff, management, president, and the chancellor to make a decision that is more informed concerning planning, finance, and management that are influenced by changes that are originates from the political, economic, social, and technological. Political The government policies, that appeals drastic changes to procedures and policies that influence the activities of the university. The government taking over to run the university Immigration laws changes impacting the international students intake. Regulations affecting the finance management. Economic Funding shareholders decisions that may have negative or positive effect. Fee structure restrictions Changes in the resources costs, such as real estate, technological infrastructure, and human resource. Risk of moving crucial staff which was involved highly in the universitys growth Social Drastic population changes. Demographic dynamics, resulting in diversity increase. . Dynamics of employment opportunities which encourages students to enroll into the university . The Social Media effects. Dynamics of qualification expectations. Staff that is not qualified. Information globalization. Technological Standards update requiring infrastructure changes. Settling for the appropriate technology that is relevant in the current and future world. Maintenance of IT systems including the upgrade of the systems. Competitor Analysis Just like any other business industry, all the Competitor Analysis As with any industry, all the universities compete with each other to get as many students as possible and to provide the best quality services to those students (Queensland Government, 2017). CQU competes with major universities because of its presence across different cities in Australia. Keeping CQU at the center, an analysis of the industry suggests that university of south Queensland pose a direct competition to the. These two institutions have their headquarters located in Queensland and their competition aspects include the students in distance, postgraduate, and undergraduate learning programs (CQUniversity, 2012). Both institutions are competing to get the share of the international students. There is a very tough competitive environment between the universities. However, with the new initiatives that are being initiated by CQU such as the new expansion, are enabling the university to have a competitive edge. Strengths, Weaknesses, Opportunities, and Threats (SWOT) Analysis The CQUs SWOT analysis has been performed below: Strengths: The CQ Universitys vast geographical presence is the universitys primary strength. Also, the university is among the learning institutions that are most engaging and inclusive universities. According to the World University Ranking (Studycairn, 2017), the CQU is a tops the list of under 100 Young Universities. Weaknesses: The completion rate of the university is among the worst at 42%. Because of this, some people perceive it as not being a good university. Opportunities: The university need to enhance the image of its brand so as to improve the national and international perceptions (Yoram Wind, 2000). Additionally, the university should take advantage of its presence and increase the enrollment numbers. The university has massive resources, and at such it should increase the competition rate by capitalizing on those resources Threats: Some of the threats affecting the performance of the CQU is the mismanagement of resources at campus level. The pooling of resources by other competing universities. The government funding restrictions that could otherwise help students from low income family. Value and Brand Positioning Analysis The university is run on Leadership, Openness, Engagement, and Inclusive values (CQUniversity, 2012). The value analysis demonstrates that the school is looking to positon itself as the university of the people. The differentiation of values is based more on emotional modifiers and not in terms of financial or educational aspects. The satisfaction rate of the university is 81% based on the recent report published by Sydney Morning Herald (Knott, 2017). The report indicates that most of the students are satisfied by the quality of education provided by the CQU. The brand name also has been positioned among the top 100 Young Universities based on the world ranking. Marketingand Promotional Objectives The market and promotional objectives of the university is to createmarketing strategies that will ensure the delivery of the revenue and reputation aims and objectives of the university with the public and private sector. Mechanism Create a marketing plan that is integrated across the university to generate income growth on the following business segments: Establishment of focused strategic long-term RD with other business stakeholders. Conduct research and consultancy. Provision of educational programs. Develop relationship with the target students employers by communicating to them the quality of students from CQU. Improve international collaboration and engagement among the leveraging CQU staff and academic staff. Market Mix Strategies The main objectives of marketing are to satisfy and meet the wants and needs of the target customers better than the competitors. Marketing is a skill that every organization must be able to implement in order to realize success (Hanover Research, 2014). Market mix refers to the set of controllable and tactical marketing tools which include promotion, place, product, and price that the business combines to attain the desired response from the target market. When determining, brands offering the market mix is very crucial, and mostly it is referred to as four Ps. Product Product is that attracts the use, acquisition, consumption, attention and which can satisfy a need or a want. A product can be intangible like a service or tangible like a good. Therefore, for an educational brand is an intangible service (Clayton University, 2014). The marketing of this kind of a product is inclined towards school facilities such as workshops, training labs, and libraries. The universities can differentiate their products based on the quality. Price Pricing plays a very important role in the market mix, since it captivates consumers and provides revenues to learning institutes (College, 2015). Price refers to the amount of money that a consumer exchanges to acquire a particular service or product. Promotion The universities need to link their target market to the public. They must inform the students and parents concerning their aims and activities so as to inspire them to develop an interest in their institution. Educational institutions must develop strategic promotions that encourages their target audience to buy their services. Place (Distribution) Place as a component of market mix comprises all organizational activities that avails the product to the targeted consumers. It can be explained as an act of availing product or services to the customer for easy accessibility (Hanover Research, 2014). In most instances, the providers of services adopt the approaches of direct marketing in the distribution of their services to the target audience. In marketing of higher education, place simply refers to the accessibility and availability of the institution to its stakeholders. Media and Budget Allocation The Board of Governors of CQU needs to approve a $347.3-million balanced operating budget for 2016/17 that is centered on priorities by enhancing and maintaining the quality of education and building capacity to retain the best staff and students (CQUniversity, 2012). In the coming years, the planning and budgeting will be informed by the Universitys Enhanced Planning Tool. These tools ensure that there is transparency across administrative and academic units, which can inform the development of budgeting and planning frameworks. Conclusion The research shows that Central Queensland University in Australia, hast the largest footprints in terms of geographic presence. The institution is also getting more numbers of the distance learning and international students. With the future perspective, the university should pay attention to the rates of graduation and improving the market and public perception. The Central Queensland University has numerous opportunities ahead because of the ever-increasing educational demands. References Australian Universities Quality Agency. (2011). Australian University Quality Agency. Melbourne: Australian Universities Quality Agency . Australian University Network. (2017). CQUniversity (CQU) Profile. Retrieved from australianuniversities.com.au: https://www.australianuniversities.com.au/profiles/cquniversity-cqu.html Clayton University. (2014). Clayton State University Integrated Marketing Plan 2014-2017. Clayton University. College, K. S. (2015). University College Strategic Marketing Plan 2015-2017. Kennesaw State University College. CQUniversity. (2012). CQUniversity Annual Report. Brisbane: CQUniversity. CQUniversity. (2017). Courses. Retrieved from cqu.edu.au: https://www.cqu.edu.au/courses Hanover Research. (2014). Trends in Higher Education Marketing, Recruitment, and Technology. Hanover Research. Queensland Government. (2017). Central Queensland University (CQU) Rockhampton. Retrieved from dilgp.qld.gov.au: https://www.dilgp.qld.gov.au/planning/priority-development-areas/cqu-rockhampton.html Studycairn. (2017, 5 2). CQUniversity Ranked #90 in latest Young Uni Global Rankings. Retrieved from studycairns.com.au: https://www.studycairns.com.au/12688-2/ Yoram Wind, D. R. (2000). Market segmentation.

HDFC Bank free essay sample

Private banking is a concept which is new and fast emerging in the world of banking where changes have become a necessity in order for banks to survive in this competitive environment vis-a-vis not only from the public and private sector banks but also from the foreign banks. The objective of the research is to explore the various products, which a private banker deals into and the systematic process involved to match client requirements with the right kind of product. Through this research one of the main objectives is to explore the reason why most of the banks are injecting private banking as business profile to their set of service offerings. Though private banking evolved in late 80’s in Asia, in India its not more than 15 years old. HDFC started it in Aug 1994 and since then it has been a remarkable success. Today there are enormous solutions to cater client needs but what suits best to a client is where private banking fits in. Every client will have different needs, liking and preferences. So a customized portfolio for every client is the need of the day. This research will highlight more on the product portfolio of HDFC Private Banking, how they have changed or innovatively structured to be attractive and competitive. Research objective 1. To identify the major attributes of customer satisfaction. 2. To study customer perception about HDFC BANK Ltd. 3. To identify and study the various ways of ensuring customer satisfaction adopted by HDFC. BANKING STRUCTURE IN INDIA Scheduled Banks in India (A) Scheduled Commercial Banks Public sector Banks Private sector Banks Foreign Banks in India Regional Rural Bank (28) (27) (29) (102) Nationalized Bank Other Public Sector Banks (IDBI) SBI and its Associates Old Private Banks New Private Banks (B) Scheduled Cooperative Banks Scheduled Urban Cooperative Banks (55) Scheduled State Cooperative Banks (31) Here we more concerned about private sector banks and competition among them. Today, there are 27 private sector banks in the banking sector: 19 old private sector banks and 8 new private sector banks. The banks which have been setup in the 1990s under the guidelines of the Narasimham Committee are referred to as NEW PRIVATE SECTOR BANKS. introduction The banking section will navigate through all the aspects of the Banking System in India. It will discuss upon the matters with the birth of the banking concept in the country to new players adding their names in the industry in coming few years. The banker of all banks, Reserve Bank of India (RBI), the Indian Banks Association (IBA) and top 20 banks like IDBI, HSBC, HDFC, ABN AMRO, etc. has been well defined under three separate heads with one page dedicated to each bank. However, in the introduction part of the entire banking cosmos, the past has been well explained under three different heads namely: History of Banking in India Nationalization of Banks in India Scheduled Commercial Banks in India The first deals with the history part since the dawn of banking system in India. Government took major step in the 1969 to put the banking sector into systems and it nationalized 14 private banks in the mentioned year. This has been elaborated in Nationalization Banks in India. The last but not the least explains about the scheduled and unscheduled banks in India. Section 42 (6) (a) of RBI Act 1934 lays down the condition of scheduled commercial banks. The descriptions along with a list of scheduled commercial banks are given on this page. HISTORY OF BANKING IN INDIA Without a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors. For the past three decades Indias banking system has several outstanding achievements to its credit. The most 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 remote corners of the country. This is one of the main reasons of Indias growth 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 account holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own money. Today, he has a choice. Gone are days when the most efficient bank transferred money from one branch to other in two days. Now it is simple as instant messaging or dial a pizza. Money have become the order of the day. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: Early phase from 1786 to 1969 of Indian Banks Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms. New phase of Indian Banking System with the advent of Indian Financial Banking Sector Reforms after 1991. To make this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase I The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established 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 Imperial Bank of India was established which started as private shareholders banks, mostly 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, Central 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 also experienced periodic failures between 1913 and 1948. There were approximately 1100 banks, mostly small. To streamline the functioning and activities of commercial banks, the Government 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 supervision of banking in India as the Central Banking Authority. Phase II Government took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially in rural and semi-urban areas. It formed State Bank of India to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July, 1969, major process of nationalization was carried out. It was the effort 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 taken 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 SBI subsidiaries. 1961: Insurance cover extended to deposits. 1969: Nationalization of 14 major banks. 1971: Creation of credit guarantee corporation. 1975: Creation of regional rural banks. 1980: Nationalization of seven banks with deposits over 200 crore. After the nationalization of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances 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 III This 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 worked for the liberalization of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. 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 while others in both rural as well as urban. Many even are only catering 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 with the customers, their mode of operation, the names of banks under different groups and other such useful information’s are talked about. One more section has been taken note of is the upcoming foreign banks in India. The RBI has shown certain interest to involve more of foreign banks than the existing one recently. This step has paved a way for few more foreign banks to start business 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 Central Bank of India Centurion Bank China Trust Commercial Bank Citi Bank City Union Bank Corporation Bank Dena Bank Deutsche Bank Development Credit Bank Dhanalakshmi Bank Federal Bank HDFC Bank HSBC HDFC Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu Kashmir Bank JPMorgan Chase Bank Karnataka Bank Karur Vysya Bank Laxmi Vilas Bank Oriental Bank of Commerce Punjab National Bank Punjab Sind Bank Scotia Bank South Indian Bank Standard 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 United Bank of India United Bank Of India United Western Bank UTI Bank Fact Files of Banks in India The first, the oldest, the largest, the biggest, get all such types of information’s 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 started solely with Indian capital Punjab National Bank The first among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act South Indian Bank Indias oldest, largest and most successful commercial bank, offering the widest possible range of domestic, international and NRI products and services, through its vast network in India and overseas State Bank of India Indias second largest private sector bank and is now the largest scheduled commercial bank in India The Federal Bank Limited Bank which started as private shareholders banks, mostly Europeans shareholders Imperial Bank of India 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 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 commercial bank which was wholly owned 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 SECTOR 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 services. OBC is implementing a GRAMEEN PROJECT in Dehradun District (UP) and Hanumangarh District (Rajasthan) disbursing small loans. This Public Sector Bank India has implemented 14 point action plan for strengthening of credit delivery to women and has designated 5 branches as specialized 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 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 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 beginning of banking system in India. The first private bank in India to be set up in Private Sector Banks in India was IndusInd Bank. It is one of the fastest growing Bank Private Sector Banks in India. IDBI ranks the tenth largest development 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 Housing Development Finance Corporation Limited, 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 incorporated in August 1994 as HDFC Bank Limited with registered office in Mumbai and commenced operations as Scheduled Commercial Bank in January 1995. ING Vysya, yet another Private Bank of India was incorporated in the year 1930. Bangalore has a pride of place for having the first branch inception in the year 1934. With successive years of patronage and constantly setting new standards in banking, ING Vysya Bank has many credits to its account. List of Private Banks 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 HDFC Bank IDBI Bank IndusInd Bank ING Vysya Bank Jammu Kashmir Bank Karnataka Bank Karur Vysya Bank Laxmi Vilas Bank South Indian Bank United Western Bank INDIAN BANKING INDUSTRY The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth. The country’s 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 class, and technological innovations are all contributing to this growth. Source: 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 services. Banks are now realizing the importance of being a big player and are beginning to focus their attention on mergers and acquisitions to take advantage of economies of scale and/or comply with Basel II regulation. â€Å"Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital,† says Prathima Rajan, analyst in Celents banking group and author of the report. â€Å"The banking industry should focus on having a small number of large players that can compete globally rather than having a large number of fragmented players. \ WE UNDERSTAND YOUR WORLD Type : Public (BSE: 500180, NYSE: HDB) Founded : 1994 Headquarters : Mumbai, India Industry : Banking Insurance Capital Markets and allied Industries Products : Financial services. Website : www. hdfcbank. com Key people : Jagdish kapoor (Chairman) OVERVIEW The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an in principle approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBIs liberalization of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. HDFC is Indias premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment. HDFC Bank began operations in 1995 with a simple mission : to be a â€Å" World Class Indian Bank. † We realized that only a single mindedfocus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. The Bank’s staffing needs continued to increase during the year particularly in the retail banking businesses in line with the business growth. Total number of employees increased from 14878 as of March31,2006 to 21477 as of March 31, 2007. The Bank continues tofocus on training its employees on a continuing basis, both on the joband through training programs conducted by internal and externalfaculty. The Bank has consistently believed that broader employee ownership of its shares has a positive impact on its performance and employee motivation. The Bank’s employee stock option scheme so far covers around 9000 employees. It is more important for every organization to know about from where and where to spent money. And balanced between these two things rupee earned and rupee spent are required for smooth running of business and financial soundness. This type of watch can control and eliminate the unnecessary spending of business. In this diagram it include both things from where Bank earned Rupee and where to spent. HDFC BANK earned from the ‘Interest from Advances’ 51. 14 % ,‘Interest from Investment’ 27. 12 %, bank earned commission exchange and brokerage of 15. 25 %. These are the major earning sources of the bank. Bank also earned from the Forex and Derivatives and some other Interest Income. Bank spent 39. 75 % on Interest Expense, 30. 27 % on Operating Expense and 14. 58 % on Provision. Bank also spent Dividend and Tax on dividend, Loss on Investment , Tax. As we discuss above that balancing is must between these two for every organization especially in the era of globalization where there are stiff competition among various market players. The combined entity would have a nationwide network of 1167 branches; a strong deposit base of around Rs. 1,22,000 crores and net advances of around Rs. 89,000 crores. The balance sheet size ofthe combined entity would be over Rs. 1,63,000 crores. On March 27, 2008, the shareholders of the Bank accorded their consent to a scheme of amalgamation of Centurion Bank of PunjabLimited with HDFC Bank Limited. The shareholders of the Bank approved the issuance of one equity share of Rs. 10/- each of HDFC Bank Limited for every 29 equity shares of Re. 1/- each held in Centurion Bank of Punjab Limited. This is subject to receipt of Approvals from the Reserve Bank of India, stock exchanges and Other requisite statutory and regulatory authorities. The shareholders Also accorded their consent to issue equity shares and/or warrants convertible into equity shares at the rate of Rs. 1,530. 13 each to HDFC Limited and/or other promoter group companies on preferentialbasis, subject to final regulatory approvals in this regard. The Shareholders of the Bank have also approved an increase in theauthorized capital from Rs. 450 crores to Rs. 550 crores. Promoted in 1995 by Housing Development Finance Corporation (HDFC), Indias leading housing finance company, HDFC Bank is one of Indias premier banks providing a wide range of financial productsand services to its over 11 million customers across hundreds of Indian cities using multiple distribution channels including a pan-India network of branches, ATMs, phone banking, net banking and mobile banking. Within a relatively short span of time, the bank has emerged as a leading player in retail banking, wholesale banking, and treasury operations, its three principal business segments. The banks competitive strength clearly lies in the use of technology and the ability to deliver world-class service with rapid response time. Over the last 13 years, the bank has successfully gained market share in its target customer franchises while maintaining healthy profitability and asset quality. As on March 31, 2008, the Bank had a network of 761 branches and 1,977 ATMs in 327 cities. For the year ended March 31, 2008, the Bank reported a net profit of INR 15. 90 billion (Rs. 1590. 2crore),up 39. 3%, over the corresponding year ended March 31, 2007. As of March 31, 2008 total deposits were INR 1007. 69 billion,(Rs. 100,769 crore) up 47. 5% over the corresponding year ended March 31, 2007. Total balance sheet size too grew by 46. 0% to INR 1,331. 77 billion (133177 crore). Leading Indian and international Publications have recognized the bank for its performance and Quality ACHIEVEMENT IN 2007 Business Today-Monitor Group survey One of Indias Most Innovative Companies Financial Express-Ernst Young Award Best Bank Award in the Private Sector category Global HR Excellence Awards Asia Pacific HRM Congress: Employer Brand of the Year 2007 -2008 Award First Runner up, many more Business Today Best Bank Award Dun Bradstreet – American Express Corporate Best Bank Award 2007 Corporate Best Bank Award The Bombay Stock Exchange and Nasscom Foundations Business for Social Responsibility Awards 2007 Best Corporate Social Responsibility Practice Award Outlook Money NDTV Profit Best Bank Award in the Private sector category. The Asian Banker Excellence in Retail Financial Services Awards Best Retail Bank in India Asian Banker HDFC BANK Managing Director Aditya Puri wins the Leadership Achievement Award for India HDFC BANK PRODUCT AND CUSTOMER SEGMENTS PERSONAL BANKING Loan Product Deposit Product Investment Insurance Auto Loan Loan Against Security Loan Against Property Personal loan 2-wheeler loan Commercial vehicles finance Home loans Retail business banking Tractor loan Working Capital Finance Construction Equipment Finance Health Care Finance Education Loan Gold Loan Saving A/c Current A/c Fixed deposit Demat A/c Trading A/c Safe deposit locker Mutual Fund Bonds Knowledge Centre Insurance General and Health Insurance Equity and Derivatives Mudra Gold Bar Cards Payment Services Access To Bank Credit Card Debit Card Prepaid Card Forex Services Product Services Trade Services Forex service Branch Locater RBI Guidelines Net Safe Merchant Prepaid Refill Bill pay Visa Bill pay InstaPay DirectPay VisaMoney Transfer e–Monies Electronic Funds Transfer Online Payment of Direct Tax NetBanking OneView InstaAlert MobileBanking ATM Phone Banking Email Statements Branch Network WHOLESALE BANKING Corporate Small and Medium Enterprises Financial Institutions and Trusts Funded Services Non Funded Services Value Added Services Internet Banking Funded Services Non Funded Services Specialized Services Value added services Internet Banking BANKS Clearing Sub-Membership RTGS – sub membership Fund Transfer ATM Tie-ups Corporate Salary a/c Tax Collection Financial Institutions Mutual Funds Stock Brokers Insurance Companies Commodities Business Trusts NRI SERVICES Accounts Deposits Remittances Rupee Saving a/c Rupee Current a/c Rupee Fixed Deposits Foreign Currency Deposits Accounts for Returning Indians North America UK Europe South East Asia Middle East Africa Others Quick remit IndiaLink Cheque LockBox Telegraphic/ Wire Transfer Funds Transfer Cheques/DDs/TCs Investment Insurances Loans Mutual Funds Insurance Private Banking Portfolio Investment Scheme Home Loans Loans Against Securities Loans Against Deposits Gold Credit Card Payment Services Access To Bank NetSafe BillPay InstaPay DirectPay Visa Money Online Donation NetBanking OneView InstaAlert ATM PhoneBanking Email Statements Branch Network BUSINESS STRETEGY HDFC BANK mission is to be A World Class Indian Bank, benchmarking themselves against international standards and best practices in terms of product offerings, technology, service levels,risk management and audit compliance. The objective is to build sound customer franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments, and to achieve a healthy growth in profitability, consistent with the Banks risk appetite. Bank is committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance. Continue to develop new product and technology is the main business strategy of the bank. Maintain good relation with the customers is the main and prime objective of the bank. HDFC BANK business strategy emphasizes the following : Increase market share in India’s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service. Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs. Maintain current high standards for asset quality through disciplined credit risk management. Develop innovative products and services that attract thetargeted customers and address inefficiencies in the Indian financial sector. Continue to develop products and services that reduce bank’s cost of funds. Focus on high earnings growth with low volatility. TECHNOLOGY USED IN HDFC BANK In the era of globalization each and every sector faced the stiff competition from their rivals. And world also converted into the flat from the globe. After the policy of liberalization and RBI initiatives to take the step for the private sector banks, more and more changes are taking the part into it. And there are create competition between the private sector banks and public sector bank. Private sector banks are today used the latest technology for thedifferent transaction of day to day banking life. As we know that Information Technology plays the vital role in the each and every industries and gives the optimum return from the limited resources. Banks are service industries and today IT gives the innovative Technology application to Banking industries. HDFC BANK is the leader in the industries and today IT and HDFC BANK together combined they reached the sky. New technology changed the mind of the customers and changed the queue concept from the history banking transaction. Today there are different channels are available for the banking transactions. We can see that the how technology gives the best results in the below diagram. There are drastically changes seen in the use of Internet banking, in a year 2001 (2%) and in the year 2009 ( 25%). These type of technology gives the freedom to retail customers. Centralized Processing Units Derived Economies of Scale Electronic Straight Through Processing Reduced Transaction Cost Data Warehousing , CRM Improve cost efficiency, Cross sell Innovative Technology Application Provide new or superior products HDFC BANK is the very consistent player in the New private sector banks. New private sector banks to withstand the competition from public sector banks came up with innovative products and superior service. RESEARCH METHODOLOGY Data Collection Techniques: This project consists of two parts. The first part is a study of the banking industry, HDFC Bank using secondary data sources. This secondary information has been sourced from the internet and from business related magazines and newspapers. The second part of the study has been done using an exploratory research process and a structured questionnaire was developed for this purpose. For the collection of primary data this was the only method used. The reason I used this method is because a need was felt for the free influx of information about the products. Also this method allowed the use of skills gained in class. Sample Design: The population considered for the purpose of the survey was people residing in Delhi and the National Capital Region (NCR). Sampling Technique Used: Since the information required was not of a very technical nature and also looking at the scope of the project and the extent of the target segment, the sampling technique employed was Convenience Sampling. I administered the questionnaires. Sample Size: I have restricted the sample size to 50 respondents. This was done keeping in mind the time constraints and the fact that I felt that this number would be enough to serve the information needs required to show the trends. Customer Satisfaction: Customer satisfaction is equivalent to making sure that product and service performance meets customer expectations. It is the perception of the customer that the outcome of a business transaction is equal to or greater than his/her expectation. Customer satisfaction occurs when the acquisition of products and /or services provides a minimum negative departure from expectations when compared with other acquisitions and when the marginal utility of a transaction is equal to or greater than preceding acquisitions. Customer satisfaction occurs when the perception of the reward from the purchase of goods or services by the customer meets or exceeds his/her perceived sacrifice. The perception is a consequence of matching past purchase and consumption experience with the current purchase. Customer Service and Satisfaction: When we talk about customer service and/or satisfaction, we talk about creativity. Creativity allows us to handle or diffuse problems at hand or later on rather in the process of conducting the everyday business. We talk about how, or what, does the organization have to do to gain not only the sale but also the loyalty of the customer. We want to know the payoff of the transaction both in the short and long term. We want to know what our customers Want? We want to know if our customers are satisfied. Satisfaction, Of course, means that what we delivered to a customer met the customer’s Approval.