...MAX Apple E – Lock and Unlock Double Click MIDI- range – 0-127 Note-in (pitch & velocity) Hold the Alt Button- Click & Drage to make copies Keyboard slider- shows you where you are Note In- to get sound out – Note Out Makenote- instead of playing the keyboard you want the information to come from somewhere else 12 octaves Make a box and hit -12 to make it x amount of octaves lower Making a Chord- +4 or +7 (need a space) BANG- a message that means do something -pitch is lower it will be quieter midiParse- takes all the info that comes in and breaks it up into different parts >if something turns red- just click it and it will automatically go there PGMout- sets off on its own – doesn’t need to attach to the other parts -put a slider on it – the left one is PGMchange- 128 instruments built into the basic midi -metronome object LEFT CLICK- metro help – opens a tutorial -take 3 messages and make them into a major chord 60,63,67 -bang will turn on and off the metronome- (so will a toggle switch) Groove- little tilda- means MSP which means it makes sound Groove- can play samples SFPlay= more basic version Open tutorial in Groove Copy & Paste your tutorial Buffer- where you can open a sample Name has to be the same name that’s on the Groove (make sure to turn on audio) -if the thing gets a negative number it will play it backwards .5 It will play half the speed ** say you have a slider and you want it to go from +2 to -2 -when you make s lider everything...
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...I spy The story is about a twelve year old boy, Charlie Stowe who wants to smoke a cigarette because some boys at school tease him with never having smoked a cigarette. His father owns a tobacconist store underneath the house. In that store, there is cigarettes. He sneaks into the shop to steal some cigarettes, but he hides because his father and some men are at the shop. The father offers the men cigarettes but they do not want them, because they are on duty. As the father and the men go out Charlie sneaks into his room and falls asleep. The story is properly very old and it take place in England and more precisely in an irregular house close to the sea. I can see that because Woodbine and Gold Flake are very old cigarette packs, which was very popular in England back then. Moreover, I can see that the story takes place close to the sea because he mentions the wind blew from the sea (page 1 line 4). I cannot exactly come up with a date, but it could be in the First or Second World War. I can see that when the main character uses words as “Huns” and “Zeppelins.” Huns was an old word for a German soldier and it was mostly used as slang. Zeppelins was a German airship. I think Charlie and his family live in a rich environment. I can see that because his father has a store. They have a house and Charlie goes in a county school. Charlie is twelve years old. He has a father and mother. He goes in a county School where some schoolmates tease him because he never has smoked a...
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...Consumer Behavior Paper and Questionnaire Constance Ordish MKT/554 May 7, 2012 Ruby A Rouse, PhD Consumer Behavior Paper and Questionnaire Most of the negative publicity found on the Internet about flavored cigarettes centers on the marketing of the cigarettes and not the product itself. Among smokers between ages 18 to 25 the cigarettes are met with warm welcome. Smokers welcome the change from normal cigarettes and like more flavor options to choose from. The previous methods of marketing flavored cigarettes are under fire. It is commonly believed that the tobacco companies are targeting children and teenagers to hook these customers at a tender age to create lifelong consumers. “Collier County Health Department says it’s a shameless ploy that’s gaining steam. “They know that children are attracted to sweet products, and if they get them hooked on the sweet products then they have a lifetime user,” Rachel Kleist of the Collier County Health Department….According to a 2010 statewide survey, the candy-flavored tobacco trend is catching on. 17.6% of Collier County youth between the ages of 11 and 17 have tried it and 19.9% in Lee County.” ("Cigarette Flavours", 2012). To counter the previous reputation of flavored cigarette marketing to children, Exotic Smokes will make every effort to develop a marketing campaign directed to smokers within its targeted consumer group and not any younger than 18. The ads will be presented only in magazines generally read by the target...
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...I spy The story is about a twelve year old boy, Charlie Stowe who wants to smoke a cigarette because some boys at school tease him with never having smoked a cigarette. His father owns a tobacconist store underneath the house. In that store, there is cigarettes. He sneaks into the shop to steal some cigarettes, but he hides because his father and some men are at the shop. The father offers the men cigarettes but they do not want them, because they are on duty. As the father and the men go out Charlie sneaks into his room and falls asleep. The story is properly very old and it take place in England and more precisely in an irregular house close to the sea. I can see that because Woodbine and Gold Flake are very old cigarette packs, which was very popular in England back then. Moreover, I can see that the story takes place close to the sea because he mentions the wind blew from the sea (page 1 line 4). I cannot exactly come up with a date, but it could be in the First or Second World War. I can see that when the main character uses words as “Huns” and “Zeppelins.” Huns was an old word for a German soldier and it was mostly used as slang. Zeppelins was a German airship. I think Charlie and his family live in a rich environment. I can see that because his father has a store. They have a house and Charlie goes in a county school. Charlie is twelve years old. He has a father and mother. He goes in a county School where some schoolmates tease him because he never has smoked a...
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...DQ-VI: SPECIAL ASSISTANT: Who Should I Select? Six months ago, you were hired as a Special Assistant to the President of First Local Bank. First Local Bank is a privately held Bank, and its President, Charles Buck, was an initial investor who currently owns a 21% share of First Local Bank. The Bank initially succeeded and grew based on its retail banking services (Checking, Savings, Small secured and unsecured consumer loans, etc.) to individuals and small local businesses. As the bank grew over the past decade, it began to expand, first on a regional basis, and most recently into larger Commercial Banking in which they made loans to medium size businesses. The commercial banking business loaned sizable amounts of money to businesses in a three state region (average loan size projected to be in excess of $7,500,000). Loans of this size were secured with assets of each business, and therefore, First Local Bank would be required to evaluate the Effectiveness of each business that applied for a loan, determine the value of the borrower’s assets to be used as collateral, etc. before they loaned money to these commercial borrowers. Initially, Mr. Buck managed this new commercial lending operation himself, but having gotten it started successfully, he now wanted to hire a new Vice President of Commercial Banking, and two Assistant Vice Presidents for the Commercial Lending Division of First Local Bank. Mr. Buck was so impressed with your work in your first six months as his...
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...operations as a Scheduled Commercial Bank in January 1995. • PROMOTER HDFC is India's 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. • BUSINESS FOCUS HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the bank's risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. HDFC Bank's business philosophy is based on four core values - Operational Excellence, Customer Focus,...
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...inesquecíveis, coisas inexplicáveis e pessoas incomparáveis" como vocês! Obrigado por tudo, Filipe Abstract The Retail Banking Industry has been severely affected by fraud over the past few years. Indeed, despite all the research and systems available, fraudsters have been able to outsmart and deceive the banks and their customers. With this in mind, we intend to introduce a novel and multi-purpose technology known as Stream Computing, as the basis for a Fraud Detection solution. Indeed, we believe that this architecture will stimulate research, and more importantly organizations, to invest in Analytics and Statistical Fraud-Scoring to be used in conjunction with the already in-place preventive techniques. Therefore, in this research we explore different strategies to build a Streambased Fraud Detection solution, using advanced Data Mining Algorithms and Statistical Analysis, and show how they lead to increased accuracy in the detection of fraud by at least 78% in our reference dataset. We also discuss how a combination of these strategies can be embedded in a Stream-based application to detect fraud in real-time. From this perspective, our experiments lead to an average processing time of 111,702ms per transaction, while strategies to further improve the performance are discussed. Keywords: Fraud Detection, Stream Computing, Real-Time Analysis, Fraud, Data Mining, Retail Banking Industry, Data Preprocessing, Data Classification, Behavior-based Models, Supervised Analysis, Semi-supervised...
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...A N N U A L REPORT 2015 Financial Highlights As of or for the year ended December 31, (in millions, except per share, ratio data and headcount) Reported basis1 Total net revenue Total noninterest expense Pre-provision profit Provision for credit losses Net income Per common share data Net income per share: Basic Diluted Cash dividends declared Book value Tangible book value2 2015 $ $ $ Selected ratios Return on common equity Return on tangible common equity2 Common equity Tier 1 (“CET1”) capital ratio3 Tier 1 capital ratio3 Total capital ratio3 Selected balance sheet data (period-end) Loans Total assets Deposits Total stockholders’ equity Headcount 93,543 59,014 34,529 3,827 24,442 6.05 6.00 1.72 60.46 48.13 2014 $ $ $ 95,112 61,274 33,838 3,139 21,745 5.33 5.29 1.58 56.98 44.60 11% 13 11.6 13.3 14.7 $ 837,299 2,351,698 1,279,715 247,573 234,598 10% 13 10.2 11.4 12.7 $ 757,336 2,572,274 1,363,427 231,727 241,359 Note: 2014 has been revised to reflect the adoption of new accounting guidance related to debt issuance costs and investments in affordable housing projects. For additional information, see Accounting and Reporting Developments and Note 1 on pages 170 and 183, respectively. 1 Results are presented in accordance with accounting principles generally accepted in the United States of America (U.S. GAAP), except where otherwise noted. 2 Non-GAAP financial measure. For further discussion, see “Explanation and Reconciliation of the Firm’s Use Of Non-GAAP ...
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...We owe our gratitude to Allah Almighty whose shower of blessings and kindness has been on us throughout the working on these pages. It is His help that we finally able to compile this document. We are indebted to our respected teacher Miss Fiaza Rehman who’s indispensable and intricate comments on various aspects conjoined with motivation made us come forth holding such as project. EXECUTIVE SUMMARY Purpose of this project is to study the strategies which Pepsi is doing in Pakistani market for its product Pepsi cola. Pepsi International is a world renowned brand. It is a very well organized multinational company, which operates almost all over the world. In Pakistan It also has proved itself to be the No.1 soft drink. Now days Pepsi is recognized as Pakistanis National drink Pepsi's greatest rival is Coca Cola. Coca Cola has an international recognized brand. Coke’s basic strength is its brand name. But Pepsi with its aggressive marketing planning and quick diversification in creating and promoting new ideas and product packaging, is successfully maintaining is No.1 position in Pakistan. Pepsi is operating in Pakistan, through its 12 bottlers all over Pakistan. These bottlers are Pepsi's strength. Pepsi has given franchise to these bottlers. Bottlers, produce, distribute and help in promoting the brand. Pepsi also launched its fast food chain KFC i.e. "Kentucky Fried Chicken.” We also did analysis of the soft drink industry in Pakistan and...
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...Bank should focus on its retail banking business line because, firstly, they already have a big share of the market and building on the competitive advantage that they have it would be easier to increase it, secondly, according to the case, they can leverage customers in retail banking to more profitable real estate and corporate business lines which would also increase profits. 2) Based on the universalistic approach and commitment strategy, what types of human resource practices do you recommend for Mountain Bank with respect to its tellers? As “customers’ experiences with tellers is the single most important driver of customer satisfaction”, I recommend the following types of human resource practices in job tasks, empowerment, communication, training, compensation, and staffing areas: broad job responsibilities, meaningful tasks, high levels of responsibility, building employee confidence, encouraging suggestions, extensive new employee training, formal training for everyone, pay for performance, very selective recruiting, and promotion of the best workers. 3) Which of the four human resource strategies do you recommend for Mountain Bank with respect to its tellers? Why? I recommend a committed expert HR strategy because it would be aligned with business strategy and because the job requires specialized skills such as, firstly, expertise in retail banking and, secondly, cross-selling skills for leveraging customers with retail accounts into opening corporate...
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...An insight view of an organization (HSBC Bank) Table http://search.yahoo.comof Contents Serial Number | Name | Pages | 01 | Acknowledgment | 01-01 | 02 | Introduction | 01-01 | 03 | Scope and limitation of the project | 02-03 | 04 (a) | Company information | 03-03 | 04 (b) | Company mission, vision | 03-04 | 04 (c) | Organizational Structure | 04-05 | 05 | Legal Barriers | 05-07 | 06 (a) | Major source of job candidates in Bangladesh | 08-08 | 06 (b) | Decruitment option | 08-09 | 07 (a) | Types of selection devices used by the organization | 09-09 | 07 (b) | Strengths and weakness of the devices | 09-09 | 07 | Employee placement | 10-11 | 08 (a) | Employee orientation program | 11-11 | 08 (b) | Types of training and methods | 11-12 | 09 (a) | Performance appraisal methods | 12-12 | 09 (b) | Pros and cons of appraisal tools | 13-14 | 09 (c) | Types of compensation | 14-15 | 10 | Conclusion | 15-15 | 1. Acknowledgement We would love to thank the following individuals who provided information and insightful suggestions for this project: 1. Md. Salahuddin Bhuiyan Finance Operation Manager, Hong Kong Shanghai Banking Corporation. 2. Noor-E-Hasnin Lecturer, School of Business North South University We owe a debt to our faculty Noor-E-Hasnin who gave us the opportunity to...
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...Alfalah Limited was incorporated on June 21st, 1997 as a public limited company, under the Companies Ordinance 1984. Its banking operations commenced from November 1st, 1997. The bank is engaged in Islamic banking, commercial banking and related services as defined in the Banking companies ordinance, 1962. The Bank is currently operating through 115 branches in 36 cities, with the registered office at B.A.Building, I.I.Chundrigar, Karachi. Management of Bank Alfalah accepted the challenge to transform this bank into a highly professional, most efficient & service oriented institution. The management has been successful in fulfilling the undertaken challenge. It has been successful in making a significant contribution to both corporate and retail banking in Pakistan. Over the years, its emphasis on growth has resulted in a strong entity capable of offering high quality services to a wide spectrum of clients, in a highly challenging business environment. Its strategy is to maximize the synergies of branch network through an optimal allocation of financial resources in the face of dynamic challenges of present financial environment. Strengthened with the banking of the Abu Dhabi Group and driven by the strategic goals set out by its board of management, the Bank has invested in revolutionary technology to have an extensive range of products and services. This facilitates their commitment to a culture of innovation and seeks out synergies with clients and service providers...
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...Course Project Proposal DeVry University – Keller Graduate School of Management MGMT591 – Leadership and Organizational Behavior Overview of Organization The organization that will be the topic of discussion for my final project paper is Bank of America Corporation. Bank of America Corporate is a multinational banking and financial services corporation headquartered in Charlotte, North Carolina. Bank of America consist of eight Lines of Business that operates the entire company with over 300,000-employee population across their global footprint. The Lines of Business Bank of America has operations in more than 40 countries across the globe – Europe and the Middle East and Africa (EMEA), Asia Pacific (AsiaPac), United States, Canada and Latin America. Bank of America Corporation provides people, companies and investors the financial products and services they need to achieve their dreams in their financial lives. The eight Lines of Business that Bank of America operates as are: Global Consumer & Small Business Banking, Global Banking & Markets, Global Commercial Banking, Global Wealth & Investment Management, Financial Advisors, Global Technology & Operations, Corporate Staff & Support and Mortgage. Bank of America planned to eliminate approximately 30,000 jobs by the end of 2013, largely in consumer and technology areas as company-wide cost-cutting initiative due to declining revenues. The decline in revenues was caused by the 2010 mortgage related losses. With the news...
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...[pic] Our Stakeholders BPI engages with a range of stakeholders and recognizes their importance in the bank’s continued success. As such, we share information with them, takes into account their varied perspectives and views on our performance, determine opportunities for collaboration, and reach our common goals. Our stakeholder engagement is referenced in the following table and throughout this report. [pic] [pic] [pic] [pic] [pic] Top Competitors Metropolitan Bank and Trust Company Banco De Oro Unibank Inc. Philippine National Bank China Banking Corporation Metrobank Land Bank of the Philippines Rizal Commercial Banking Corporation Corporate Social Responsibility Aside from being BPI customers and sources of skilled workforce, communities are our partners in nation building. BPI Foundation, Inc., for more than three decades, serves as a catalyst in social development by focusing on areas of entrepreneurship and education, and environment. [pic] Entrepreneurship and Education Small and medium enterprises (SMEs) contribute 32% of the country’s gross domestic product, employ 70% of the workforce, and account for 97% of all registered businesses. To enable them to access financing, BPI Foundation provides learning sessions on financial and credit management through its “Show Me, Teach Me SME – Empowering Entrepreneurs” with the help of BPI, its thrift bank...
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...RESEARCH PAPER NO. 1488 Strategy, Organization, And Incentives: Global Corporate Banking At Citibank David P. Baron David Besanko April 1998 RESEARCH PAPER SERIES GRADUATE SCHOOL OF BUSINESS STANFORD UNIVERSITY Research Paper No. 1488 STRATEGY, ORGANIZATION, AND INCENTIVES: GLOBAL CORPORATE BANKING AT CITIBANK David P. Baron and David Besanko Stanford University and Northwestern University April 1998 Abstract This paper addresses the interplay of strategy, organization, and incentives in a global company. The basic framework takes one step further Chandler’s perspective that structure follows strategy by incorporating incentives chosen in response to both strategy and organization. The analysis of these three components of corporate policy is guided by a model of organization developed in earlier papers (1996, 1997). The perspective is that strategy is based on matching opportunities and capabilities. Capabilities reside in an organization’s shared know-how, and organization structure serves to mobilize a firm’s capabilities in pursuit of opportunities. How organization structure mobilizes capabilities depends on the complementarities among its activities and the pattern of spillovers that underlie its capabilities. When the activities include both complements and substitutes, and when the pattern of spillovers is complex, a mUlti-dimensional organization is required to manage the interrelationships. In multi-dimensional organizations the incentive...
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