...Article on Indian Banking Sector: “The challenges that the banking sector in India faces” It is by now well recognized that India is one of the fastest growing economies in the world. Evidence from across the world suggests that a sound and evolved banking system is required for sustained economic development. India has a better banking system in place vis a vis other developing countries, but there are several issues that need to be ironed out. In this article, we try and look into the challenges that the banking sector in India faces. Interest Rate Risk: Interest rate risk can be defined as exposure of bank’s net interest income to adverse movements in interest rates. A bank’s balance sheet consists mainly of rupee assets and liabilities. Any movement in domestic interest rate is the main source of interest rate risk. Over the last few years the treasury departments of banks have been responsible for a substantial part of profits made by banks. Between July 1997 and Oct 2003, as interest rates fell, the yield on 10-year government bonds (a barometer for domestic interest rates) fell, from 13 per cent to 4.9 per cent. With yields falling the banks made huge profits on their bond portfolios. Now as yields go up (with the rise in inflation, bond yields go up and bond prices fall as the debt market starts factoring a possible interest rate hike), the banks will have to set aside funds to mark to market their investment. This will make it difficult to show huge profits from treasury...
Words: 3169 - Pages: 13
...Thesis: The challenges of being a single parent include managing finances, responsibilities and resources The challenge of being a single parent has become harder over time. The fact is that over time things have changed but not for a single parent. Statics show that there has been a steady rise for five decades and that the births to unmarried women has crossed a threshold. An example of this would be, a single mom that can’t provide day care for her child because her income is not enough to pay the bills and day care. The challenges of being a single parent include, managing finances, responsibilities and resources, their work is never done nor are their struggles. One of the challenges a single mom has raising her son and daughter would be getting up at 4am taking 3 buses to transport her children to her mother (who lives on the other side of town). Spending 2 hours getting there and another 3 buses and a hour and a half getting to work. There is a limit on everything she does because she does not have the opportunity to get an education, she has to work and provide for her family. Pawning valuables to make ends meet when money is short, living from pay check to pay check. Child support is another challenge for a single mom when the children’s father does not work, all the financial responsibility is on the single parent. Another challenge to a single mom is that because she is a woman, to keep from being taken advantage of, she will pay more money for rent to keep...
Words: 602 - Pages: 3
...making it. A lot of things have happened in my life and in the world today but I am still making it. Having children created a big fear, I had many questions in my head-(will I be able to provide for my children? Will I be able to combine going to school family and paying bills?) All these fears combined with the global fear of shooting in America, shooting in the primary school, bombing, accidents, and hardship created more fear and anxiety knowing that the world is a difficult place to live in. with all these challenges in the world I am determined to succeed. How well- prepared do I feel for school? I started preparing myself the moment I had the feeling of going back to school. I reviewed my math and English and came to ITT to take the entrance exam which I felt very happy when I passed. I am ready to work hard in school, I am determined to succeed. Hard work is the key to success and I am ready. What challenges do I anticipate in this class? Staying focus can be challenging especially working full time and taking these classes but I am determined to stay focus and always put my best effort. Writing and...
Words: 492 - Pages: 2
...Situation 1: Identify a general approach for facilitating the customer over the telephone. What are the possible challenges in the given situation? What strategies would help you overcome the challenges? My general approach to this situation would be to ensure that I understand exactly what the user is intending to do, and what version of Excel they are using. A possible challenge to this situation is that the customer wants to use a program that is completely new to him. To overcome this challenge, I will speak to the customer slowly so that they can understand the basics of Exel. If causes to the problem or question described by the customer are unclear in the situation, explain how you would further diagnose the problem or question. I would go over each step that the customer wants to learn, and offer to send them an email with step-by-step instructions on what he needs to do. Once the causes are identified, describe a step-by-step troubleshooting process to help the customer complete the task. -I would ask the customer to gather all of the receipts and expense logs. -Have the customer fill in all the required fields on the spreadsheet that pertain to the company. -Total the amounts -Calculate hard copy expense report and or receipts. -Check all of the information entered If the customer has problems understanding or following your instructions, briefly explain an alternative situation. If the customer is still having problems...
Words: 279 - Pages: 2
...the career you chose a job or is it your work? I feel a job is just something you go to everyday, but work is something you do that will make a difference in someone's life. I'm hoping that it won't just make a difference in my life, but that of a child's life too. This is the reason I choose this career path in becoming a teacher. “What are three rewards and three challenges that you will face as a teacher?” I'll be talking about these challenges and rewards in the next few pages, on how I feel teaching make a major impact on not only my life, but hopefully the lives of thousands of children to come. At the end of the day I'm hoping to be that one teacher that my students will remember forever. What greater gift could I be given than to make a positive impact in a child's life and future? So, with that said let me begin with the rewards! The first one that comes to mind is the achievements of my students, in more detail student discoveries and the exciting new things they will learn through me teaching in my classroom. In doing so, I can show them how to untangle things they are struggling with, challenges they face, or problems that might occur; by showing them a different light. The smile that comes across a child’s face symbolizing that they understand or I've got it! Is one of the best feelings I feel, a teacher could have. This would show to me that I'm doing my job well and I helped a child cover new exciting things! In hopes that they would not be stuck at...
Words: 1037 - Pages: 5
...the owner and ask if you can use one dryer for a few hours. If they agree, collect a bunch of funky clothes to have waiting for the teams in the dryer when they arrive. You can put together your own set of funky clothes. We used 3 pair of extra large sweat pants, 5 goofy extra large shirts, 1 sweater, 2 knitted winter hat, 1 baseball cap, 2 scarves, and a pair of thick gloves. Have the challenge details card taped to the outside of the dryer door so they know what they are looking for. On the note they will find the challenge: Each player must put on all of the articles in this dryer AT ONCE and have their picture taken. When everyone is finished with the task your team will receive the next clue. DETOUR!! Detour clue card reads:You are on your way to winning this race,Hopefully this detour won’t slow your pace.From two challenges you must choose,Make sure to choose wisely and you can’t lose! | | The challenge details read: Ok players, here are the two challenges, remember you only have to complete one. You also have the option of changing your mind at any point and switching challenges. Here are your options: Option A: Your job is to find a penny marked with the year the birthday girl (or guy) was born. Check anywhere you can. Each of you will be given a quarter to help trade for pennies if you choose this...
Words: 329 - Pages: 2
...Authority could exists in every fields which usually is a significant part to ensure the normal operation. Although it could benefit the operation, it may cause some issues. Accompany with authority, there could be many challenges. Challenges refer to some different thoughts which are happened between the superiors and the subordinates. The dilemma is whether do as what the boss told or follow the original heart. This dilemma is the main focus of Tom and Frank’s case study, ‘Challenge the boss or stand down?’ (2011). ‘Challenge the boss or stand down?’ concerns a general issue in the company D7 Displays. A rising star Tom challenged his new boss Frank in the public, and they have different opinions. Tom is facing the dilemma which may lose his job, and he has to choose a better method to solve this issue. As a diligent employee, Tom wants to do his best and gain reliance from his boss. He argues that the airline kiosk business is hurting by the web service and the only way to compete is developing the kiosk-based services which could make profit or provide more benefits. However, Frank, who is his new boss, is firmly holding the different opinion. Frank points out that the airline kiosk business presents a mature market and clients will not resign it. In addition, the hotels and car rental markets are wide open, and the company should develop these areas. Frank asserts that Tom was out of line and focus on the part not belongs to him. Advice about this dilemma is given...
Words: 359 - Pages: 2
...parents. She feels her stay in UAE if worth than her native Yemen. She is compelled to work hard by the growing economy in UAE; she has to keep up with the pace in order to fit in the economy. Adina is a young woman living with her family in Dubai. UAE economy is the strongest in western Asia, a fact that has raised the living standard especially in cities. To keep up with the growing economy, Adina merged her studies with a job in the aluminum industry in Abudhabi. It is a challenge for her to manage both the education and her job, considering she work during the weekdays and attend her lectures on weekends. She is also expected to meet demands and obligations by her family. She is determined to face these challenges in order to secure her future in UAE economy. Adina admires good life in UAE, and she works hard to maintain the status. Life has not been always good for Adina; UAE has presented her with various challenges. She has been exposed to serious human right violations due to her origin. These challenges start with her neighbors, to her work, in the university and her travel. Adina works at an aluminum industry in Abudhabi. This is not her dream job, since she always dreamt of working in a financial institution. Working in this industry is motivated by little wages she receives to cater...
Words: 891 - Pages: 4
...of the recruiter as the "big picture" person. They can give you an overview of the company and the department as a whole. （Save very specific questions about the job for the hiring manager.） The recruiter is also the best person to answer questions about the hiring process. Some questions to ask the recruiter: * How would you describe the company culture? * What type of employees tend to excel at this company? * Can you tell me more about the interview process? The Hiring Manager: Your Future Boss The hiring manager will likely supervise you if you get the job. They're the most knowledgeable people about the position and its requirements. You should direct specific questions about the job, its responsibilities and its challenges to them. You may also want to ask what kind of candidate they're seeking. Some questions to ask the hiring manager: *What are the most important skills for the job? * How would you describe your ideal candidate? * What's a common career path at the company for someone in this role? The Executive: The Industry Expert Senior managers and executives are likely to be most knowledgeable about the latest happenings in their industry. If you'll be working closely with an executive, you can ask them some specifics about the job. But you should focus most of your questions on the future of the company and the industry. This is your chance to show off your industry knowledge! Some questions to ask a senior manager or executive: ...
Words: 409 - Pages: 2
...live a better life for me and my family. I want to be able to pursue any career that I want, and know that I have enough education and work experience to succeed. I feel if I have a college degree there will be a great opportunity for advancement in my current career with Philadelphia Corporation for Aging, I also have a sense of what the business world is like. I would feel a since of great accomplishment as each semester begins and ends. Learning new skills in my field and building my knowledge will give me more confidence to succeed. The first of my three goals are to get college education, as classes have become more challenging, I have to study harder and have found I can overcome these challenges. As I overcome these challenges, I find that I look forward to the next challenge and the one after that. Going to college will give me the opportunity to express myself and to believe in myself. I know that I can establish myself in the field I have chosen and become a success in this field. My second goal is to fix my home; with the cost of living it is difficult to get exactly want I want for my household. I know that I’m not building enough to get the plush and beautiful things that I want, which is very disappointing. The last goal that I have is to get a new vehicle, “the heavens know I need...
Words: 290 - Pages: 2
...March 27, 2014 Unit 1, Assignment 2 Change Wheel Reflection; Fri AM After working for JPMorgan Chase for 7 years I was laid off April of 2013 and it’s a year that I have been without a job has made me realize that I had to change my life around, plan for a new career and going back to school really put a damper in my life. Change in a new career is very scary and thought of going back to school that I have not attended since my oldest daughter was born was even scarier. Not only those challenges occurred but during this time I was engaged and married a few weeks before I was laid off. Now I have brand new family to care for, my wife, her two kids and my high school daughter came to live with us. Moved in to a one bedroom apartment with 5 people, no job, receiving unemployment, my wife also had no job except for what she receives for her son’s SSI got really challenging. Yes, of course negative thoughts and negative attitude started settling in. Job application after job applications no calls and no interviews for 4-6 months. No one was hiring and especially I being over qualified for some jobs or no degree set me back even more. This was a huge life changing experienced in my life ever. Knowing that my sisters and mom had their own families to care for and my wife’s family going through the same similar situations got even harder. My unemployment was running out and knowing that there was no extension by the end of December was another negative outcome to the situation...
Words: 716 - Pages: 3
...| Overcoming The Challenges | What lies ahead for the new pediatric satellite clinic | | Abstract The purpose of this document is to discuss the opening of a new pediatric satellite clinic in a place of my choosing. For this document, I will be choosing Charlotte, NC; which is close to my hometown. This essay will discuss several challenges that lay ahead with this project, such as; recruiting and retaining staff; types of services and resources; building rapport with the community and surrounding counties; finances and profitability of the clinic; technology; and compliance with local, state, and federal laws and regulations. These challenges will also be further broken down and explain ways that administration can overcome these challenges so that the project is successful. Lastly, there will be a discussion on specific skills and knowledge that administration needs to utilize when opening the new clinic and to manage staff. The decision to expand the Pediatric Community Care Center has provided other communities the chance to receive quality care close to their home. This decision also poses great risks and challenges. Overcoming these challenges will be no easy feat; however, with careful consideration and implementing the right course, this project should be a success. The new Pediatric Satellite Clinic will be located in Charlotte, North Carolina. This area has a population of around 773 thousand, with around 20% of that population being children...
Words: 2694 - Pages: 11
...Women face greater challenges at the workplace. Do you agree or disagree? Write an essay, giving reasons to support your viewpoint. A photograph recently caught my attention. It was a mother carrying her 18 month old daughter in one hand and a document in the other. What’s special about it? She is a member of the European Parliament, Licia Ronzulli, and this photograph was taken when she was addressing the parliament. This epitomizes modern motherhood, and takes multitasking to new dimensions. Just stringing together the two words “women” and “workplace” automatically conjures the third word in our mind- “Challenge”. But as work places are constantly evolving, what one perceives as a challenge is indeed changing. A few decades ago nurse , receptionist or secretary was all a working woman could aspire to be. Any woman who dreamed beyond was ridiculed and her integrity was questioned. Corporates viewed women as weaker and less committed than male counterparts. “Lady Candidates Need Not Apply”- was the common last line in job advertisements. Those 5 words in a ‘TELCO’ advertisement sparked Sudha Murthy to send the famous postcard to JRD Tata in 1974 saying “I am surprised how a company such as Telco is discriminating on the basis of gender”. When I first walked through TML factory, I wondered how Sudha would have felt 37 years before, knowing that hers were the first feminine footsteps there. Did she possibly know then that she had taken a giant leap for her kind in TELCO...
Words: 1038 - Pages: 5
...Challenges this semester This semester I will face many challenges this semester while in School. The issues I will be faced with are my schedule, getting good grades this semester, debit-financial hardships, and my health issues. The first challenge is my schedule because I am working two jobs, school and trying to study 25 hours a week. One Job is twenty hours a week the second job is about 12 but if there are events it could be more like this last weekend where I work 9 hours Saturday and 8 hours Saturday. The first Job is at Grand Canyon University which I work in the facilities as an assistant, and the Second Job is at my church, Trinity Bible Church. I am trying to study 25 hours a week and I have not been able to do that. I am working on making a weekly schedule on excel to get it figure out. The second challenge is my financial issues. I have a lot of debit that I am trying to get paid off. I also found out Friday that the route cannel I need is not covered and the total cost for the route cannel is 1,300 which I can do a monthly payment plan for but it requires a down payment I am having to wait for that to take care of it. The third challenge is my health issues which are pain and diarrhea. I have had lots of test done and there is no indications into why I am having the pain and diarrhea. This semester I am facing many challenges and Philippians 4:13 is what I am living by right now which says I can do all things through Christ who strengthens...
Words: 293 - Pages: 2
...own personal experiences in becoming a successful female in the literary field. It is shared not only outside discrimination from being a woman but self-perception is a major obstacle. It is also necessary to continually challenge yourself. Also set goals, and reward levels for those goals. Regardless of the profession a woman choses one will have its own set of obstacles that must be overcome and shared in order to lend way for other women to follow. * Most young girls like to play house and pretend they are the mother to their baby dolls. Through cartoons where the princess are always saved by the prince or the man choses a wife are all examples of where the perception of self comes to play. This is depicted in doing battle with a certain phantom. The phantom is named “The Angel in the House”. This Angel is a symbolism of the perception instilled in a lot of women. Men are an authority figure and it is not acceptable to go against or question their word. The woman should be demure, unselfish, understanding, and sympathetic even if it is to her own expense. The Angel of the House would constantly remind that a review of a man’s literature cannot be dealt with openly by a woman. So the Angel had to be killed. * Being able to have meet the challenges of becoming a paid journalist. Brought the desire to strive for the next level. The earnings from the book review were used to purchase a Persian cat. The next desired reward would be a motor car. Writing a novel would be...
Words: 584 - Pages: 3
