Culture adaptation and survival Essay

With correspondence and transportation more promptly accessible than previously, the interpenetration of social aspects between bunches have gotten simpler if not increasingly visit. In any case, this progression of information can't be exclusively credited to the nearness of gadgets that permit data scattering; individuals take a functioning part whether deliberately or not, in spreading and changing societies by their worldwide developments and activities. This paper will investigate this occasion, concentrating on how receiving social highlights from different gatherings can look like natural adjustment in that the two of them can prompt higher endurance rates in a given situation. Recorded and important circumstances assembled from related writing will be utilized to create and give grounds to this announcement. Jia, Lu and Heisey place that â€Å"globalization isn't just entering the financial circle yet in addition undermining the social limits of numerous nations†¦ † (Jia, Lu and Heisey, 2002, p. 155). A piece of the globalization pattern is the flood of various people groups to various nations. Because of presentation to new conditions and conceivably new social practices, the feeling of solidness of the moving people groups is undermined. As indicated by Kim, so as to again accomplish interior balance and lessen the pressure the circumstance has influenced upon them, â€Å"a individual adjusts by modifying their inside conditions† (as refered to in Liu, 2001, p. 14). During the nineteenth century, solid notions of Anglo-congruity invaded the Americas as new migrants came in large numbers. There was a solid thought that the arrangement of the American people groups and personality had finished and there was question whether the newcomers can be acclimatized (Dicker, 2003, p. 44). The suspicion that the migrants had a powerful urge for absorption was not totally evident. Despite the fact that they had a powerful urge to gain English and a few attributes of standard America, this is generally to open ways to arrive at their objectives and not for all out joining (Dicker, p. 39). This incomplete social osmosis can be compared to impermanent organic adjustments, for example, acclimatization; here the body’s natural capacities strive to endure the current ecological condition. This procedure isn't prompt, requiring time for the body to change itself to the atmosphere, for example, for a climber to endure high height conditions, it is prescribed for them to climb gradually, resting a couple of times (Backer, et al. , 2005, p. 223). These adjustments might be incomplete and brief yet they permit individuals moving in that condition to work and accomplish their objectives. Conditions, regardless of whether social or normal, hold a specific measure of assets and if these are constrained the current gatherings contend to access these. On account of the Spanish pilgrims in the Americas, a tri-racial society-the Spaniards, the locals and those that were a result of relations between the two-was made and â€Å"access to power and esteem relied upon a person’s level of acculturation† (Dicker, 2003, p. 48). As per Daniels: â€Å"An person who communicated in Spanish, wore European garments, and ate European style food was thought of, if not Spanish, no longer Indian† (as refered to in Dicker, p. 48). Individuals needed to stick to the measures that the Spanish had set so as to access assets and make due, for those that are not, at this point Indian were set to help deal with the state (Daniels as refered to in Dicker, p. 48). Getting a handle on the essential thoughts of natural selection, those that can conform to some present standards of the general public can endure, approach assets and consequently make more regenerative progress than those alienated, cut off and with constrained posterity. Kim’s hypothesis (as refered to in Liu, 2001, p. 14) expect that â€Å"stress and development are indistinguishable and that both are vital for fruitful adaptation†. A culture or an animal types must have the option to develop and adjust to encompassing social aspects to decrease the pressure that is influencing them. As indicated by Cohen (1974, p. 3) â€Å"A population’s adjustment is its relationship to its habitat†. The populace adjusts when it changes key factors in itself with the goal that the earth can be an all the more fitting spot for them to live, for example, adjusting the language of the spot, the principles set by those that control the assets and so forth. Embracing social highlights from different gatherings permit the individuals to be coordinated, regardless of whether somewhat or totally, into that network and decrease the pressure that restrain them from enduring. Organic advancement is like this as achievement in here is estimated by how a populace figures out how to imitate ages and accommodate them. Supporter, H. D. , Bowman, W. D. , Paton, B. C. , Steele, P. Thygerson, A. L. and Gulli, B. (2005). Wild medical aid: crisis care for remote areas (second ed. ). Massachusetts, USA: Jones and Bartlett Publishers. Cohen, Y. A. (1974). Man in adjustment: the social present (second ed. ). Chicago, USA: Aldine Transaction. Barter, S. J. (2003) Languages in America: a pluralist see (second ed. ). Clevedon, UK: Multilingual Matters. Jia, W. Lu, X. and Heisey, D. R. (2002). Chinese correspondence hypothesis and research: reflections, new outskirts, and new headings. Connecticut. USA: Greenwood Publishing Group, 2002 Liu, J. (2001). Asian students’ study hall correspondence designs in U. S. colleges: an emic point of view. Connecticut, USA: Greenwood Publishing Group.

Camera shots english Essay

A camera shot is the measure of room that is found in one shot or casing. Camera shots are utilized to exhibit various parts of a film’s setting, characters and subjects. Subsequently, camera shots are significant in forming importance in a film. Looking into the models on the correct hand side of this page should make the diverse camera shots more clear. An extraordinary since quite a while ago shot (liveliness on right) contains a lot of scene. It is regularly utilized toward the start of a scene or a film to build up general location(setting). This is otherwise called a building up shot. A since quite a while ago shot (activity on right) contains scene however gives the watcher an increasingly explicit thought of setting. A since quite a while ago shot may show the watchers the structure where the move will make place. A full shot (liveliness on right) contains a total perspective on the characters. From this shot, watchers can take in the ensembles of characters and may likewise assist with showing the connections between characters. For more data on outfits and acting allude to Chapter 4. A mid shot (liveliness on right) contains the characters or a character from the abdomen up. From this shot, watchers can see the characters’ faces all the more plainly just as their collaboration with different characters. This is otherwise called a social shot A nearby (movement on right) contains only one character’s face. This empowers watchers to comprehend the actor’s feelings and furthermore permits them to feel sympathy for the character. This is otherwise called an individual shot. An extraordinary close-up (liveliness on right) contains one piece of a character’s faceor other article. This method is very regular with dismay films, especially the model above. This kind of shot makes an extreme mind-set and gives collaboration between the crowd and the watcher. While examining a film you ought to consistently consider the distinctive camera shots and why they are being utilized. Whenever that you are at the film or sitting in front of the TV see what camera shots are being utilized. Significant: These camera shots are utilized in all types of visual writings including postcards, banners and print notices. Camera points It is significant that you don't confound camera edges and camera shots. Camera shots are utilized to exhibit various parts of setting, subjects and characters. Camera edges are utilized to situate the watcher with the goal that they can comprehend the connections between the characters. These are significant for molding importance in film just as in other visual writings. The accompanying models will assist you with understanding the contrasts between the diverse camera points A bird’s eye edge (movement on right) is an edge that looks legitimately downward on a scene. This point is regularly utilized as a building up edge, alongside an outrageous since quite a while ago shot, to set up setting. A high edge (movement on right) is a camera point that looks downward regarding a matter. A character shot with a high edge will look helpless or little. These points are frequently used to show to the crowd a viewpoint of a specific character. The model above exhibits to us the viewpoint or perspective of a vampire. As a watcher we can comprehend that the vampire feels incredible. An eye-level edge (liveliness on right) puts the crowd on an equivalent balance with the character/s. This is the most regularly utilized edge in many movies as it permits the watchers to feel great with the characters. A low edge (activity on right) is a camera point that gazes toward a character. This is something contrary to a high edge and makes a character look all the more impressive. This can cause the crowd to feel powerless and little by gazing toward the character. This can enable the responder to feel sympathy on the off chance that they are seeing the casing from another character’s perspective. Similarly as with camera shots, you will have the option to see numerous instances of camera edges in any film or visual content that you see. Whenever that you sit in front of the TV or see a film, observe the camera edges and consider how they influence your discernment (thought) of various characters. Another camera edge that you may go over is a Dutch edge. A Dutch point (liveliness on right) is utilized to exhibit the disarray of a character. The model above ought to disorientate you. Camera development Composers of movies additionally use camera development to shape meaning. Coming up next are a few instances of basic camera developments and how they can be utilized to shape importance in films. A crane shot (movement on right) is frequently utilized by authors of movies to imply the finish of a film or scene. The impact is accomplished by the camera being put on a crane that can move upwards A following shot and a dolly shot (activity on right) have a similar impact. A following shot proceeds onward tracks and a dolly shot is mounted on a streetcar to accomplish the impact in the model above. This camera development is utilized in various manners however is most generally used to investigate a room, for example, an eatery. By utilizing a following shot or a dolly shot the author of a film gives the watcher a nitty gritty voyage through a circumstance. It can likewise be utilized to follow a character. Panning (movement on right) is utilized to give the watcher an all encompassing perspective on a set or setting. This can be utilized to set up a scene Others An Evangelion shot (liveliness on right) is gotten from the well known anime arrangement ‘Neon Genesis Evangelion’. This camera development starts as an outrageous close-up and zooms out unexpectedly, making an obscuring impact to underline the speed and size of the item Lighting is a significant angle for forming importance in films. What sort of air is made in a room lit by candles? Have you at any point known about state of mind lighting? A room that is brilliantly lit by neon lights may appear to be clean or a shadowy room may be ghostly or terrifying. The lighting experts in a film group have the errand of making lighting to suit the temperament and climate of every scene in a film. Consider the movements Lighting model one, Lighting model two, Lighting model three and consider what sort of climate is made in each. For every model, do you think the lighting suits the characters in the edges? For example, in Example Three the two individuals are extremely cheerful and the scene is lit splendidly. What might be the impact on the environment if the lighting were dim and shadowy, like Example Two? Recollect that lighting is utilized in still picture visual messages just as in films. Cinematography Cinematography is the blend of the methods portrayed in this part. This incorporates camera shots, camera edges, camera development and lighting. Utilize the term cinematography to amass these together, for instance, ‘The cinematography in that film was uncommon. ‘ Mise en Scene Mise en scene alludes to all the articles and characters in a specific casing. All the more explicitly, it alludes to the organization of the edge. At the point when you utilize the term mise en scene, you are talking about where the arranger or chief has put all the components of the scene inside the casing.

Psychosocial Stage 6 Intimacy vs. Isolation

Psychosocial Stage 6 Intimacy vs. Isolation Theories Psychosocial Psychology Print Intimacy vs. Isolation: Psychosocial Stage 6 Forming intimate relationships with others By Kendra Cherry facebook twitter Kendra Cherry, MS, is an author, educational consultant, and speaker focused on helping students learn about psychology. Learn about our editorial policy Kendra Cherry Medically reviewed by Medically reviewed by Steven Gans, MD on November 09, 2019 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD on November 09, 2019 Psychosocial Development Overview Trust vs. Mistrust Autonomy vs. Shame and Doubt Initiative vs. Guilt Industry vs. Inferiority Identity vs. Confusion Intimacy vs. Isolation Generativity vs. Stagnation Integrity vs. Despair Intimacy versus isolation is the sixth stage of Erik Eriksons theory of psychosocial development. This stage takes place during young adulthood between the ages of approximately 19 and 40. During this period, the major conflict centers on forming intimate, loving relationships with other people. Success at this stage leads to fulfilling relationships. Failure, on the other hand, can result in feelings of loneliness and isolation. Verywell / Nusha Ashjaee   Overview Psychosocial Conflict: Intimacy versus isolationMajor Question: Will I be loved or will I be alone?Basic Virtue: LoveImportant Event(s): Romantic Relationships Understanding Psychosocial Development Theory Erikson’s theory of psychosocial development proposes that people pass through a series of stages  centered  on social and emotional development. At each point in a person’s life, he or she faces a developmental conflict that must be resolved. People who overcome these conflicts are able to achieve psychological skills that ultimately last the rest of a person’s life. Those who fail to master these challenges will continue to struggle. One thing that made Erikson’s theory unique is that unlike many other developmental theories, the psychosocial stages look at how people change and grow over the course of the entire lifetime. These adult stages continue to play an important role in each individuals development. This sixth stage of development begins in early adulthood and is centered on the formation of lasting relationships. Those who are successful at this stage are able to forge deep relationships and social connections with other people. What Happens During This Stage Erikson believed it was vital that people develop close, committed relationships with other people. These emotionally intimate relationships as people enter adulthood play the critical role in the intimacy versus isolation stage. Such relationships are often romantic in nature, but Erikson believed that close friendships were also important. Erikson described intimate relationships as those characterized by closeness, honesty, and love. Success Strong and deep romantic relationships Close relationships with friends and family Failure Poor romantic relationships No deep intimacy Loneliness and isolation People who are successful in resolving the conflict of the intimacy versus isolation stage are able to develop deep, meaningful relationships with others. They have close, lasting romantic relationships, but they also forge strong relationships with family and friends. Success leads to strong relationships, while failure results in loneliness and isolation. Adults who struggle with this stage experience poor romantic relationships. They might never share deep intimacy with their partners or might even struggle to develop any relationships at all. This can be particularly difficult as these individuals watch friends and acquaintances fall in love, get married, and start families. Those who struggle to form intimacy with others are often left feeling lonely and isolated. Some individuals may feel particularly lonely if they struggle to form close friendships with others. Important Tasks at This Stage Learning to be open and sharing with others is an important part of the intimacy versus isolation stage. Some of the other important tasks that can play a role in success or failure at this point of development include: Sharing part of the self with others while still maintaining a strong sense of self-identity.Being intimate. This is more than just engaging in sex; it means forging emotional intimacy and closeness. Intimacy does not necessarily have to be with a sexual partner. People can also gain intimacy from friends and loved ones.Making commitments to others. Part of being able to form strong relationships involves being able to commit to others for the long-term.Caring about the needs of others. Relationships are reciprocal. Getting love is important at this stage, but so is giving it. A Sense of Self Contributes to Intimacy or Isolation While psychosocial theory is often presented as a series of neatly defined, sequential steps, it is important to remember that each stage contributes to the next. For example, Erikson believed that having a fully formed sense of self (established during the identity versus confusion stage) is essential to being able to form intimate relationships. People with a poor sense of self tend to have less committed relationships and are more likely to suffer emotional isolation, loneliness, and depression.?? Stage 7: Generativity vs. Stagnation

Prenatal And Postnatal Health Care - 1707 Words

With complaints of inadequate maternity health care services in newspapers and social media on the rise, the issue of Ireland’s poor services for women before and after birth has become an important topic. Some health care officials believe there are already safe and effective services and staffing levels implemented in prenatal and postnatal health care. Even government officials feel that there is an abundant amount of government assistance services available for prenatal and postnatal women. These views are predominately based on the data that Ireland has â€Å"one of the lowest maternal and perinatal mortality rates in the world† (Larkin et al. 98). In a newspaper article by Sinà ©ad Redmond, she points out that in March of 2014, figures revealed that not a single maternity hospital in the Republic of Ireland had â€Å"staffing levels of midwife-to-women ratios that [met] international safety standards† (â€Å"Ireland’s Maternity Units†). In a study conducted by Larkin, Begley, and Davane, it was also found that â€Å"women often felt alone and unsupported,† and â€Å"Some women would not have another baby due to their childbirth experiences† (98). Women who wish to be pregnant in Ireland are unhappy with their prenatal and postnatal experiences on the account of inadequate health care services, including job and government assistance. I will argue that the government and health care system in the Republic of Ireland should work together to solve these problems. The lack of attentiveness toShow MoreRelatedThe Role Of Literature Of Maternal Depression During Prenatal Stages1110 Words   |  5 Pages Evaluating the Relationship of Literature of Maternal Depression during Prenatal Stages. Depression can occur at any time. We often hear talk of postpartum depression or the baby blues, which occurs shortly after the birth of a baby. Though we rarely discuss depression that occurs during pregnancy or prenatal depression. There are estimates that as many as 70% of women will experience symptoms of depression during pregnancy, making it a widespread concern. However, these depressive symptoms areRead More Infant Immortality Essay1537 Words   |  7 Pages Infant Mortality in the United States nbsp;nbsp;nbsp;nbsp;nbsp;Trends in infant mortality are considered to be a barometer of technology and an accurate indicator of the health of a society. Despite technological excellence and numerous social programs offered throughout the country, the infant mortality rate (IMR) in the United States continues to be a national concern. For many, â€Å"infant mortality† brings to mind the deprivation and poverty found in third world countries. Yet in theRead MoreAntenatal Depression And The Role Of The Nurse889 Words   |  4 Pagesis fairly high, it is often underreported, not reported, and oft left under or untreated. These expectant mothers frequently do not receive the care and treatment they so desperately need. A better understanding of the causes and outcomes of these particular patients is needed to ensure they get the help they need. The consequences of not receiving care are â€Å"far-reaching, affecting not only the mother but her infant, and their relationships† (Leigh Milgrom, 2008). Antenatal Depression and RiskRead MoreCauses And Timing Of Premature Infants1043 Words   |  5 Pagesto twenty-eights weeks, did not survive the birth hospitalization (Patel et al., 2015, p. 332). Doctor Ravi M. Patel M.D., Sarah Kendefer M.D., Michele C. Walch M.D., and other researchers at the Eunice Kennedy Shriver National Institute of Child Health and Human Development Neonatal Research Network set out to find the â€Å"Causes and Timing of Death in Extremely Premature Infants from 2000 through 2011†. The study was performed to â€Å"†¦evaluate the causes and timing of death among extremely prematureRead MorePrimary Prevention Essay938 Words   |  4 Pagesit’s important to recognize that secondary prevention strategies currently in place are flawed and that there is no emphasis on primary prevention. VCH has implemented a PPD algorithm, where best practice is to screen for PPD using the Edinburgh Postnatal Depression scale at 28-32 weeks of pregnancy and at 6-8 weeks postnatally (VCH, 2017). It also recommends targeted screening for any moms with risk factors (VCH, 2017). However, instead of following this algorithm, PHN’s screen for PPD during a homeRead MoreMothers And Their Newborn Babies Care After Discharge : A Review Of Supporting Maternal Transition : Continuity, Coaching1196 Words   |  5 Pages Mothers and Their Newborn Infants Care After Discharge: A Review of Supporting Maternal Transition: Continuity, Coaching, and Control Paulette Dongmo Nanfack Kennesaw State University Overview The postpartum period represents a significant transition in women s lives. This critical period of adjustment is characterized by many physical, emotional, and psychological changes that influence women s experiences, adaptation, health, and wellness. Most stressors in the puerperalRead MoreHow Prenatal Care Is Important For Both Mother And Fetus989 Words   |  4 Pages The World Health Organization reports that â€Å"81 percent of women in developing countries have one prenatal visit, but only 36 percent have the recommended four visits†. Prenatal care is important for both mother and fetus. In most countries midwifes are the ones that take care of the expecting mothers and deliver their babies. In the United States however midwifes have become less and less used, due to the rise of OB-GYN’s. Deciding which care provider would be the best for each pregnancy is hardRead MoreThe Responsibility of Becoming Parents1506 Words   |  7 Pagesan optimal emotional and physical health. The pregnant woman should not just ensure that the pregnancy affect her adversely, but also that she does not affect her baby’s prenatal adversely. The parent is the only route which different environmental factors can enter the fetus. Additionally, she is also the most critical environment that can severely affect the child prenatal development, which will later have some alarming consequences on the child’s postnatal and adult life. What the mother doRead MorePrenatal Care in Early 20th Century Kansas Essay3464 Words   |  14 PagesPrenatal care is an important part of insuring the wellness of a baby. In the early 20th century, prenatal care was just starting to become an emphasized area of health for women. High infant mortality rates were starting to raise questions as to what could be done to help protect the fetus and insure a healthy childbirth and baby. Kansas attempted to raise awareness of the importance of prenatal care to the general public starting in the early 1900s with â€Å"The Kansas Mother’s Manual.† Many womenRead MoreSpina Bifida, Ekaterina Trofimova?1352 Words   |  6 Pagesdefects, historically occurring in 1 live per 1000 in the United States. The rates of SB are higher in Hispanics and whites of European descent than in Ashkenazi Jews, Asians, and African Americans. Rates are also higher among mothers with certain health problems, such as diabetes or seizure disorders (taking certain anticonvulsants), and significantly higher among couples in which at least one has SB, and couples who have already had a child with SB.† But, as â€Å"The HealthDay News† reporter Robert

Is Privacy Possible in the Digital Age - 1609 Words

Privacy and security (Initial essay) Introduction When I think back one of firsts times I thought knowingly about privacy and security in my life at category of every data being stored and maybe later analyzed it was back my previous student days when one of my friend refused to pay with bank card in Alco-store. At that time it seemed to me really paranoiac and weird, but now I get his idea behind it. If one is a gambler for instance, it really isn’t very smart to pay with credit card in gambling-den. But at the other hand nobody can also blackmail you at basis of your sins which are known to everybody. Is privacy possible in the digital age? In current days one of the biggest and influential databases about private persons Facebook†¦show more content†¦Furthermore if you don’t share info about yourself, others will – you get tagged in photos, info will be posted in your wall and all this is influencing and creating persons image. You could also say that persons Facebook-image is a result of collective collaboration. What is said or done as teenage could be found 30 years later and you can’t be sure that the viewer considers the time that has passed. Also it’s creepy to think that in future there is more and more literally dead people in social networks. Facebooks mortality arrangement Social media is more and more used to make presumptions and decisions about people. If I get to know someone I will go to Google and try to find out what can be found instead of waiting how all info itself will arouse by time passing. It’s debatable if it is ethical to spy about people in social networks because behavioral patterns witnessed there belong more to private sphere. But if person is willingly giving away his rights to privacy? Also we seldom think of privacy issues when applying for â€Å"bonus† card to get 5% discount. It seems that sometimes people need to be protected against themselves and until there are no new and relevant social norms aroused, this is were policymakers should puzzle and offer solutions. Of course the balance is a key issue. Person at viewer’s role has access to uploaded information at every moment and therefore he hasShow MoreRelatedPrivacy Risks in the Digital Age1271 Words   |  6 PagesPrivacy in Digital Age The Risk of Digital Age Indeed, the Digital age has been considered as one of the greatest development of the world today. It has brought different benefits to the lives of people and catered all their needs and wants. As the world gets into crave for things that are â€Å"quick and easy†, the Digital Age had posed threat to people’s privacy and security (Meeks, 2000). The advancement in new technologies and gadgets should not only be considered as something good that came intoRead MorePublic or Private?798 Words   |  3 Pagessociety, people are losing sight of how important privacy truly is. We, as Americans, may seem concerned about our privacy, but this â€Å"concern† does not stop us from acquiring the latest and greatest technology. Designers are building technology with no consideration of the security and privacy of their consumers. People are purchasing these new iPhones with fingerprint recognition and downloading different apps everyday with the thought of privacy and secur ity in the back of their minds. Cell phonesRead MoreShould Privacy Be Privacy? Essay751 Words   |  4 PagesIs it possible to have privacy in this day in age? Is somebody watching every move we make? These questions have been running through my mind ever since I got my iPhone. It’s terrifying to believe that someone could be watching me all the time. Although this isn’t on my mind every second of the day, it is something major to think about. Unfortunately this is an issue that we deal with today. Whenever we expose ourselves to the public, ninety percent of the time we are being watched. I do understandRead MoreGeneration X, Popularly Known As â€Å"Millennials† By Americans1484 Words   |  6 Pagesblame this generation for seemingly their largest offence yet, something that could well, and truly, effect all of mankind throughout the digital age; internet privacy. Having not lived in a time with any devices to put their private information into, most millen nials see the concept of personal privacy while on the internet a non-issue. Non-millennials and privacy experts assert this has allowed large corporations near unrestricted access to profit off our personal likes, and tastes. This could certainlyRead MoreDigital Tools And The Adult Learner852 Words   |  4 PagesDigital Tools and the Adult Learner Stacee Hildebrandt COLL100 American Military University Dr. Danan Myers Digital Tools and the Adult Learner How can digital tools be used to increase the academic success of the adult learner? In order to understand how digital tools used to help the adult learner they must first be digital literate. â€Å"Digital literacy is the ability to use digital technology, communications tools, and/or networks, to access, manage, integrate, evaluate and create informationRead MoreA Brief Note On The Problem Of Privacy1385 Words   |  6 PagesApril 24, 2016 English 103 Prof. Goldman Research Paper The problem regarding privacy is one of the foremost discussed topics in today’s society where everyone has an abundant flow of information. 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The amount of information a person freely gives away everyday may surprise, or even scare some. Over the decades technology has improved by light years, but keeping that tech secure gets harder. Everyone who uses the internet has a digital footprint; however, the larger the footprint the more risk there is for having personal data put online. Information is highly valuableRead MoreThe Us And Eu Have Differing Electronic Privacy Laws816 Words   |  4 Pagesinternet is making it even smaller. The transatlantic (across the Atlantic Ocean) economy, functioning only in the most ideal way, is to help create mutual job growth and increased productivity between the US and Europe. Now the very substantial digital aspect of this economic relationship has been compromised by a recent and serious disagreement. Many articles have already reported the Court Justice of the European Union’s (or CJEU, it’s the highest court of the European Union) ruling to discard

Icici Bank Report Free Essays

string(282) " financial products and banking services \* Within next four years ICICI bank is planning to open 1500 new branches \* Small and non performing banks can be acquired by ICICI because of its financial strength \* ICICI bank is expected to have 20% credit growth in the coming years\." ICICI BANK ABOUT ICICI BANK: ICICI Bank is India’s second-largest bank with total assets of Rs. 4,736. 47 billion (US$ 93 billion) at March 31, 2012 and profit after tax Rs. We will write a custom essay sample on Icici Bank Report or any similar topic only for you Order Now 64. 65 billion (US$ 1,271 million) for the year ended March 31, 2012. The Bank has a network of 2,766 branches and 9,363 ATMs in India, and has a presence in 19 countries, including India. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. ICICI Bank started as a wholly owned subsidiary of ICICI Limited, an Indian financial institution, in 1994. Four years later, when the company offered ICICI Bank’s shares to the public, ICICI’s shareholding was reduced to 46%. In the year 2000, ICICI Bank offered made an equity offering in the form of ADRs on the New York Stock Exchange (NYSE), thereby becoming the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE. In the next year, it acquired the Bank of Madura Limited in an all-stock amalgamation. Later in the year and the next fiscal year, the bank made secondary market sales to institutional investors. With a change in the corporate structure and the budding competition in the Indian Banking industry, the management of both ICICI and ICICI Bank were of the opinion that a merger between the two entities would prove to be an essential step. It was in 2001 that the Boards of Directors of ICICI and ICICI Bank sanctioned the amalgamation of ICICI and two of its wholly-owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with ICICI Bank. In the following year, the merger was approved by its shareholders, the High Court of Gujarat at Ahmedabad as well as the High Court of Judicature at Mumbai and the Reserve Bank of India. ICICI Bank has its equity shares listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited. Overseas, its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). As of December 31, 2008, ICICI is India’s second-largest bank, boasting an asset value of Rs. 3,744. 10 billion and profit after tax Rs. 30. 14 billion, for the nine months, that ended on December 31, 2008. BRANCHESOFATMS: ICICI Bank has a wide network both in Indian and abroad. In India alone, the bank has 1,420 branches and about 4,644 ATMs. Talking about foreign countries, ICICI Bank has made its presence felt in 18 countries – United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The Bank proudly holds its subsidiaries in the United Kingdom, Russia and Canada out of which, the UK subsidiary has established branches in Belgium and Germany. Products Personal Banking * Deposits * Loans Cards * Investments * Insurance * Demat Services * Wealth Management NRI Banking * Money Transfer * Bank Accounts * Investments * Property Solutions * Insurance * Loans Business Banking * Corporate Net Banking * Cash Management * Trade Services * FXOnline * SME Services * Online Taxes * Custodial Services Board Members * Mr. K. V. Kamath,- Chairman * Mr. Sridar Iyengar * Dr. Swati Piramal * Mr. Homi R. Khusrokhan * Mr. Arvind Kumar * Mr. M. S. Ramachandran Dr. Tushaar Shah Mr. V. Sridar Ms. Chanda Kochhar, Managing Director CEO Mr. N. S. Kannan, Executive Director CFO Mr. K. Ramkumar, Executive Director Mr. Rajiv Sabharwal, Executive Director Head Office ICICI Bank 9th Floor, South Towers ICICI Towers Bandra Kurla Complex Bandra (E) Mumbai Phone: 91-022-653 7914 Website: www. icicibank. com SWOT ANALYSIS: Strengths of ICICI Bank * ICICI is the second largest bank in terms of total assets and market share * Total assets of ICICI is Rs. 4062. 34 Billion and recorded a maximum profit after tax of Rs. 51. 51 billion and located in 19 countries * One of the major strength of ICICI bank according to financial analysts is its strong and transparent balance sheet * ICICI bank has first mover advantage in many of the banking and financial services. ICICI bank is the first bank in India to introduce complete mobile banking solutions and   jewelry card * The bank has PAN India presence of around 2,567 branches and 8003 ATM’s * ICICI bank is the first bank in India to attach life style benefits to banking services for exclusive purchases and tie-ups with best brands in the industry such as Nakshatra, Asmi, D’damas etc * ICICI bank has the longest working hours and additional services offering at ATM’s which attracts customers * Marketing and advertising strategies of ICICI have good reach compared to other banks in India Weaknesses of  ICICI Bank Customer support of ICICI section is not performing well in terms of resolving complaints * There are lot of consumer complaints filed against ICICI * The ICICI bank has the most stringent policies in terms of recovering the debts and loans, and credit payments. They employ third party agency to handle recovery management * There are also complaints of customer as sault and abuse while recovering and the credit payment reminders are sent even before the deadlines which annoys the customers * The bank service charges are comparatively higher The employees of ICICI are bank in maximum stress because of the aggressive policies of the management to win ahead in the race. This may result in less productivity in future years Opportunities of  ICICI Bank * Banking sector is expected to grow at a rate of 17% in the next three years * The concept of saving in banks and investing in financial products is increasing in rural areas as more than 62% percentage of India’s population is still in rural areas. As per 2010 data in TOI, the total number b-schools in India are more than 1500. This can ensure regular supply of trained human power in financial products and banking services * Within next four years ICICI bank is planning to open 1500 new branches * Small and non performing banks can be acquired by ICICI because of its financial strength * ICICI bank is expected to have 20% credit growth in the coming years. You read "Icici Bank Report" in category "Essay examples" * ICICI bank has the minimum amount of non performing assets Threats of  ICICI Bank RBI allowed foreign banks to invest up to 74% in Indian banking * Government sector banks are in urge of modernizing the capacities to ensure the customers switching to new age banks are minimized * HDFC is the major competitor for ICICI, and other upcoming banks like AXIS, HSBC impose a major threat * In rural areas the micro financing groups hold a major share * Though customer acquisition is high on one side, the unsatisfied customers are increasing and make them to switch to other banks. PORTER’S FIVE FORCE ANALYSIS: Bargaining Power of Suppliers: * Inputs have little impact on costs When inputs are not a big component of costs, suppliers of those inputs have less bargaining power. Low cost inputs positively affect  ICICI Bank. Bargaining Power of Customers * Large number of customers * When there are large numbers of customers, no one customer tends to have bargaining leverage. Limited bargaining leverage helps  ICICI Bank. Intensity of Existing Rivalry * Low storage costs (ICICI Bank) * Government limits competition (ICICI Bank) * Large industry size (ICICI Bank) Threat of Substitutes New Aspirants in Banking sector like AV Birla, Tata Group,  IFCI etc. Threat of New Competitors * Strong distribution network required (ICICI Bank) * High capital requirements (ICICI Bank) * High sunk costs limit competition (ICICI Bank) * Industry requires economies of scale (ICICI Bank) * Geographic factors limit competition (ICICI Bank) * High learning curve (ICICI Bank) SUBSIDIARIES COMPANIES: At March 31, 2012, ICICI Bank had 17 subsidiaries as listed in the following table: DOMESTIC SUBSIDIARIES * ICICI Securities Primary Dealership Limited * ICICI Prudential Asset Management Company Limited ICICI Prudential Trust Limited * ICICI securities Ltd . * ICICI Venture Funds Management Company Limited * ICICI Prudential Life Insurance Company Limited * ICICI Prudential Pension Funds Management Company Limited * ICICI Lombard General Insurance Company Limited * ICICI Home Finance Company Limited * ICICI Investment Management Company Limited * ICICI Trusteeship Service Limited INTERNATIONAL SUBSIDIARIES: * ICICI Bank UK PLC * ICICI Securities Inc. * ICICI International Ltd. * ICICI Bank Eurasis Ltd. Liability Company. * ICICI Securities Holdings, Inc * ICICI Bank Canada FINANCIAL HIGHLIGHTS: As required by United States securities regulations, ICICI Bank Limited (NYSE: IBN) filed its annual report in Form 20-F for the year ended March 31, 2012 (FY2012) on July 31, 2012. The Form 20-F annual report includes the Bank’s consolidated financial statements under Indian GAAP and a reconciliation of consolidated profit after tax and net worth under Indian GAAP to net income and stockholders’ equity under US GAAP, approved by the Audit Committee of the Board. The consolidated profit after tax for FY2012 under Indian GAAP was Rs. 7,643 crore (US$ 1,502 million) and the net income under US GAAP was Rs. ,998 crore (US$ 1,375 million). Stockholders’ equity as per US GAAP was ` 63,872 crore (US$ 12. 55 billion) at March 31, 2012 compared to the consolidated net worth as per Indian GAAP of ` 61,277 crore (US$ 12. 04 billion) ICICI BANK Key Financial Ratios of ICICI Bank Mar’12 | Mar’11| Mar ’10| Mar ’09| Mar ’08| investment Valuat ion Ratios| | | | | Face Value| 10. 00| 10. 00| 10. 00| 10. 00| 10. 00| Dividend Per Share| 16. 50| 14. 00| 12. 00| 11. 00| 11. 00| Operating Profit Per Share (Rs)| 76. 15| 64. 08| 49. 80| 48. 58| 51. 29| Net Operating Profit Per Share (Rs)| 346. 19| 281. 04| 293. 74| 343. 9| 354. 71| Free Reserves Per Share (Rs)| 376. 49| 358. 12| 356. 94| 351. 04| 346. 21| Bonus in Equity Capital| –| –| –| –| –| Profitability Ratios| | | | | Interest Spread| 4. 44| 4. 01| 5. 66| 3. 66| 3. 51| Adjusted Cash Margin(%)| 17. 45| 17. 52| 13. 64| 11. 45| 11. 81| Net Profit Margin| 16. 14| 15. 91| 12. 17| 9. 74| 10. 51| Return on Long Term Fund(%)| 52. 09| 42. 97| 44. 72| 56. 72| 62. 34| Return on Net Worth(%)| 10. 70| 9. 35| 7. 79| 7. 58| 8. 94| Adjusted Return on Net Worth(%)| 10. 70| 9. 27| 7. 53| 7. 55| 8. 80| Return on Assets Excluding Revaluations| 524. 01| 478. 31| 463. 01| 444. 94| 417. 4| Return on Assets Including Revaluations| 524. 01| 478. 31| 463. 01| 444. 94| 417. 64| Management Efficiency Ratios| | | | | Interest Income / Total Funds| 9. 07| 8. 41| 8. 82| 9. 82| 10. 60| Net Interest Income / Total Funds| 3. 89| 4. 01| 4. 08| 3. 99| 4. 29| Non Interest Income / Total Funds| 0. 03| –| 0. 08| 0. 08| 0. 02| Interest Expended / Total Funds| 5. 18| 4. 41| 4. 74| 5. 83| 6. 31| Operating Expense / Total Funds| 1. 89| 2. 09| 2. 59| 2. 60| 2. 76| Profit Before Provisions / Total Funds| 1. 91| 1. 77| 1. 41| 1. 30| 1. 40| Net Profit / Total Funds| 1. 47| 1. 34| 1. 08| 0. 96| 1. 12| Loans Turnover| 0. 8| 0. 17| 0. 17| 0. 18| 0. 20| Total Income / Capital Employed(%)| 9. 10| 8. 41| 8. 90| 9. 90| 10. 62| Interest Expended / Capital Employed(%)| 5. 18| 4. 41| 4. 74| 5. 83| 6. 31| Total Assets Turnover Ratios| 0. 09| 0. 08| 0. 09| 0. 10| 0. 11| Asset Turnover Ratio| 0. 09| 3. 55| 4. 60| 5. 14| 5. 61| Profit And Loss Account Ratios| | | | | Interest Expended / Interest Earned| 68. 00| 65. 29| 68. 44| 73. 09| 76. 28| Other Income / Total Income | 0. 37| 0. 02| 0. 92| 0. 86| 0. 17| Operating Expense / Total Income| 20. 77| 24. 81| 29. 05| 26. 22| 26. 00| Selling Distribution Cost Composition| 0. 73| 0. 94| 0. 72| 1. 4| 4. 43| Balance Sheet Ratios| | | | | Capital Adequacy Ratio| 18. 52| 19. 54| 19. 41| 15. 53| 13. 97| Advances / Loans Funds(%)| 65. 30| 64. 96| 58. 57| 69. 86| 72. 67| Debt Coverage Ratios| | | | | Credit Deposit Ratio| 92. 23| 87. 81| 90. 04| 91. 44| 84. 99| Investment Deposit Ratio| 61. 16| 59. 77| 53. 28| 46. 35| 42. 68| Cash Deposit Ratio| 8. 60| 11. 32| 10. 72| 10. 14| 10. 12| Total Debt to Owners Fund| 4. 23| 4. 10| 3. 91| 4. 42| 5. 27| Financial Charges Coverage Ratio| 0. 39| 0. 44| 0. 33| 0. 25| 1. 25| Financial Charges Coverage Ratio Post Tax| 1. 31| 1. 34| 1. 26| 1. 20| 1. 20| Leverage Ratios| | | | | Current Ratio| 0. 13| 0. 11| 0. 14| 0. 13| 0. 11| Quick Ratio| 16. 71| 15. 86| 14. 70| 5. 94| 6. 42| Cash Flow Indicator Ratios| | | | | Dividend Payout Ratio Net Profit| 32. 82| 35. 23| 37. 31| 36. 60| 33. 12| Dividend Payout Ratio Cash Profit| 30. 36| 31. 76| 32. 33| 31. 00| 29. 08| Earning Retention Ratio| 67. 19| 64. 49| 61. 40| 63. 23| 66. 35| Cash Earning Retention Ratio| 69. 65| 68. 01| 66. 70| 68. 87| 70. 51| AdjustedCash Flow Times| 36. 54| 39. 77| 44. 79| 49. 41| 52. 34| | | | Mar ’12| Mar ’11| Mar ’10| Mar ’09| Mar ’08| | | | | | | Earnings Per Share| 56. 09| 44. 73| 36. 10| 33. 76| 37. 7| | | | | | Book Value| 524. 01| 478. 31| 463. 01| 444. 94| 417. 64| | | | | | Source:Moneycontrol. com ANALYSIS AND INTERPRETATION: CURRENT RATIO: STUDY OF PROFIT AND LOSS ACCOUNT: Meaning: It is a financial statement, which shows net profit loss of a company for a specified period. The accounting year means calendar year 12 months or less or more then 12 months. Parts of the Profit and Loss Account The Profit Loss Account aims to monitor profit. It has three parts. 1) The Trading Account. This records the money in (revenue) and out (costs) of the business as a result of the business †trading† ie buying and selling. This might be buying raw materials and selling finished goods; it might be buying goods wholesale and selling them retail. The figure at the end of this section is the Gross Profit . 2) The Profit and Loss Account. This starts with the Gross Profit and adds to it any further costs and revenues, including overheads. These further costs and revenues are from any other activities not directly related to trading. An example is income received from investments. 3) The Appropriation Account. This shows how the profit is â€Å"appropriated† or divided between the three uses mentioned above. HORIZONTAL ANALYSIS: When an analyst compares financial information for two or more years for a single company, the process is referred to as horizontal analysis, since the analyst is reading across the page to compare any single line item, such assales revenues. In addition to comparing dollar amounts, the analyst computes percentage changes from year to year for all financial statement balances, such as cash and inventory. Alternatively, in comparing financial statements for a number of years, the analyst may prefer to use a variation of horizontal analysis called trend analysis. VERTICAL ANALYSIS: When using vertical analysis, the analyst calculates each item on a single financial statement as a percentage of a total. The term vertical analysis applies because each year’s figures are listed vertically on a financial statement. The total used by the analyst on the income statement is net sales revenue, while on the balance sheet it is total assets. This approach to financial statement analysis, also known as component percentages, produces common-size financial statements. Price/sale ratio: About Price to Sales Ratio(P/S) The price to sales ratio (PS ratio) is calculated by dividing stock price by the revenue per share. It is most useful for comparing companies within a sector or industry because â€Å"normal† values for this ratio vary from industry to industry. In general, low price to sales ratios are more appealing because they suggest that a company is undervalued. P/E ratio: About Price to Earnings Ratio The price to earnings ratio (PE Ratio) is the measure of the share price relative to the annual net income earned by the firm per share. PE ratio shows current investor demand for a company share. A high PE ratio generally indicates increased demand because investors anticipate earnings growth in the future. The PE ratio has units of years, which can be interpreted as the number of years of earnings to pay back purchase price. PRICE/BOOK VALUE RATIO: About Price to Book Ratio The price to book value is a financial ratio used to compare a company’s book value to its current market price. Book value is an accounting term denoting the portion of the company held by the shareholders at accounting value (not market value). In other words, book value is the company’s total tangible assets less its total liabilities. DCF METHOD: Beta(? ) The Beta (? of a stock or portfolio is a number describing the correlated volatility of an asset in relation to the volatility of the benchmark that said asset is being compared to. This benchmark is generally the overall financial market and is often estimated via the use of representative indices, such as the S;P 500. An asset has a beta of zero if its moves are not correlated with the benchmark’s moves. A positive beta means that the ass et generally follows the benchmark, in the sense that the asset tends to move up when the benchmark moves up, and the asset tends to move down when the benchmark moves down. A negative beta means that the asset generally moves opposite the benchmark: the asset tends to move up when the benchmark moves down, and the asset tends to move down when the benchmark moves up. It measures the part of the asset’s statistical variance that cannot be removed by the diversification provided by the portfolio of many risky assets, because of the correlation of its returns with the returns of the other assets that are in the portfolio. Beta can be estimated for individual companies using regression analysis against a stock market index. The formula for the beta of an asset within a portfolio is here ra measures the rate of return of the asset, rp measures the rate of return of the portfolio, cov(ra,rp) is the covariance between the rates of return. The portfolio of interest in the CAPM formulation is the market portfolio that contains all risky assets, and so the rp terms in the formula are replaced by rm, the rate of return of the market. Beta is also referred t o as financial elasticity or correlated relative volatility, and can be referred to as a measure of the sensitivity of the asset’s returns to market returns, its non-diversifiable risk, its systematic risk, or market risk. The market itself is considered to have a Beta of 1. Using regression analysis, the beta of the stock is calculated. If the beta of the stock is greater than 1, this means the stock’s prices are more volatile than the market, and vice verse. For example, if a stock has a beta of 1. 2, this means that a 1% change in the market index will bring about a 1. 2% change in the stock’s price. Stocks with high beta are considered to be more risky compared to the ones with low beta. Bollinger Bands: Bollinger Bands  is a  technical analysis  tool invented byJohn Bollinger in the 1980s, and a term  trademarked   by him in 2011. Having evolved from the concept of trading bands, Bollinger Bands and the related indicators  %b  and bandwidth  can be used to measure the highness or lowness of the price relative to previous trades. Bollinger Bands consist of: * an  N-period  moving average (MA) * an upper band at  K  times an  N-period  standard deviation  above the moving average (MA  +  K? ) * a lower band at  K  times an  N-period  standard deviation below the moving average (MA  ? K? ) Typical values for  N  and  K  are 20 and 2, respectively. The default choice for the average is a simple  moving average, but other types of averages can be employed as needed. Exponential moving averages  are a common second choice. Usually the same period is used for both the middle band and the calculation of standard deviation. INTERPRETATION: The use of Bollinger Bands varies widely among traders. Some traders buy when price touches the lower Bollinger Band and exit when price touches the moving average in the center of the bands. Other traders buy when price breaks above the upper Bollinger Band or sell when price falls below the lower Bollinger Band. Moreover, the use of Bollinger Bands is not confined to stock traders;  options  traders, most notably  implied volatility traders, often sell options when Bollinger Bands are historically far apart or buy options when the Bollinger Bands are historically close together, in both instances, expecting volatility to revert back towards the average historical volatility level for the stock. When the bands lie close together a period of low  volatility  in stock price is indicated. When they are far apart a period of high volatility in price is indicated. When the bands have only a slight slope and lie approximately parallel for an extended time the price of a stock will be found to oscillate up and down between the bands as though in a channel. Traders are often inclined to use Bollinger Bands with other indicators to see if there is confirmation. In particular, the use of an oscillator like Bollinger Bands will often be coupled with a non-oscillator indicator like  chart patterns  or a  trendline; if these indicators confirm the recommendation of the Bollinger Bands, the trader will have greater evidence that what the bands forecast is correct. Monte carlo simulation: Risk analysis is part of every decision we make. We are constantly faced with uncertainty, ambiguity, and variability. And even though we have unprecedented access to information, we can’t accurately predict the future. Monte Carlo simulation (also known as the Monte Carlo Method) lets you see all the possible outcomes of your decisions and assess the impact of risk, allowing for better decision making under uncertainty. Monte Carlo simulation is a computerized mathematical technique that allows people to account for risk in quantitative analysis and decision making. The technique is used by professionals in such widely disparate fields as finance, project management, energy, manufacturing, engineering, research and development, insurance, oil gas, transportation, and the environment. Monte Carlo simulation furnishes the decision-maker with a range of possible outcomes and the probabilities they will occur for any choice of action.. It shows the extreme possibilities—the outcomes of going for broke and for the most conservative decision—along with all possible consequences for middle-of-the-road decisions. The technique was first used by scientists working on the atom bomb; it was named for Monte Carlo, the Monaco resort town renowned for its casinos. Since its introduction in World War II, Monte Carlo simulation has been used to model a variety of physical and conceptual systems. ICICI BANK CHARTS The annotated chart above shows a stock that opened with a gap up. Before the open, the number of buy orders exceeded the number of sell orders and the price was raised to attract more sellers. Demand was brisk from the start. The intraday high reflects the strength of demand (buyers). The intraday low reflects the availability of supply (sellers). The close represents the final price agreed upon by the buyers and the sellers. In this case, the close is well below the high and much closer to the low. This tells that even though demand (buyers) was strong during the day, supply (sellers) ultimately prevailed and forced the price back down. Even after this selling pressure, the close remained above the open. By looking at price action over an extended period of time, we can see the battle between supply and demand unfold. In its most basic form, higher prices reflect increased demand and lower prices reflect increased supply. Interpretation: The Rate-of-Change (ROC) indicator, which is also referred to as simply Momentum, is a pure  momentum oscillator  that measures the percent change in price from one period to the next. The ROC calculation compares the current price with the price â€Å"n† periods ago. The plot forms an oscillator that fluctuates above and below the zero line as the Rate-of-Change moves from positive to negative. As a momentum oscillator, ROC signals include centerline crossovers, divergences and overbought-oversold readings. Divergences fail to foreshadow reversals more often than not so this article will forgo a discussion on divergences. Even though centerline crossovers are prone to whipsaw, especially short-term, these crossovers can be used to identify the overall trend. Identifying overbought or oversold extremes comes natural to the Rate-of-Change oscillator. Standard deviation chart that measures the amount of variability or dispersion around an average. Standard deviation is also a measure of volatility. Generally speaking, dispersion is the difference between the actual value and the average value. The larger this dispersion or variability is, the higher the standard deviation. The smaller this dispersion or variability is, the lower the standard deviation. Chartists can use the Standard Deviation to measure expected risk and determine the significance of certain price movements. BRIEF ABOUT PORTFOLIO Annexure: News Analysis Regarding Portfolio * Bajaj Corp Nirmal Bang is bullish on Bajaj Corp and has recommended buy rating on the stock with a target of Rs 228 in its October 9, 2012 research report. â€Å"We have upgraded our FY13E and FY14E earnings estimates for Bajaj Corp (BCL) by 6. 4% and 3. 7%, respectively, factoring in higher gross margins. Consequently, we have increased our target price on the stock to Rs228 (from Rs220 earlier) and retained Buy rating on it. † * DABUR INDIA LTD.. AnandRathi has come out with its report on consumer sector. The research firm recommend`s buy on ITC, Nestle India, Colgate, GSK Consumer, Emami, Pidilite, Agro Tech Foods, Bajaj Corp. , Lovable Lingerie, Zydus Wellness, and Tilaknagar Industries. Dabur, Marico as Hold, and have Sell on HUL, Asian Paints, Britannia, and VST Industries. Consumer companies are expected to report 17% revenue growth, led by higher volumes and prices. We expect stable EBITDA margins, despite rise in raw material costs (up 7-8%) and reduced weights. With tax rates likely to rise 50-150bps, we expect net profit to increase only 15% yoy. Revenues on the rise:  We expect sector revenues to grow 17%, led by volume and price. Offtake from the Canteen Stores Department, comprising 8% of sales, would be subdued. However, rupee depreciation of 10-12% will benefit companies with more than 15% in exports (Asian Paints, Marico, Dabur). * Bharti Airtel Top telecom carrier  Bharti Airtel  Ã‚  will bid in an upcoming auction of mobile phone airwaves, said a company source, who declined to be named as the matter is not public yet. The airwaves auction is the result of a Supreme Court order to revoke permits issued in a scandal-tainted sale in 2008. Bharti Airtel is not affected by that court order but it could be looking to buy additional spectrum. Friday is the deadline for companies to submit their application to participate in the auction, which is scheduled to start on November 12. ICICI BANK: SBI  Ã‚  ,  HDFC Bank  Ã‚  and  ICICI Bank  Ã‚  are the best bets, says Sudarshan Sukhani, s2analytics. com. Jaiprakash Associates  Ã‚  , they had set a target of about Rs 100, much lower when it was Rs 80-81. It is almost there. So now for people who hold positions there are the potential of more gains, but at Rs 95 I do not know if a trader can actually buy. The targets are just in front of us. Perhaps the stocks will consolidate. Perhaps it could go up and it may not. † He further added, â€Å"The risk-reward is no longer in favor of a short-term trader. For actually people who still hold them I think there is more upside. † â€Å"The Bank  Nifty  itself becomes a buying opportunity as we just entered the last half an hour of trading. The Nifty is clearly above the 5700 level. I had explained earlier that we do not need a level on the Bank Nifty. If the Nifty is trading above 5700 we can buy the Nifty as well as the Bank Nifty and we should, at least the aggressive traders should. The CNX-IT can be left alone. Which are the best stocks in the Bank Nifty to go along with? It is State Bank of India, HDFC Bank and ICICI Bank. OBSERVATION: ICICI Bank- Key Fundamentals Market Cap (Rs Cr. ): 118,375 EPS – TTM (Rs):64. 19 P/E Ratio (x):15. 91 Face Value (Rs):10. 00 Latest Div. (%):165. 00 Div. Yield (%):1. 60 Book Value / sh. (Rs) :523. 79 P/B Ratio (x):1. 96 CONCLUSION: There are many online services which offer tools that enable us to choose investments plus those which offer relatively affordable trade margins. These options are basically for everyone though experienced traders could be well versed with them. To evaluate a good online trading service we need to look at the several factors. Issues to do with fees plus commissions for doing business can quickly rise up. Comprehensive services should be able to provide extended markets in addition to investment services including other retirement options. Since purchasing and selling at online stock trading is nerve racking, overall best services provide instant messaging as well as phone support. Bibliography: www. Moneycontrol. com www. Bseindia. com www. Nseindia. com www. Wikipedia. com ANNEXURE :- As per 1st NOV 2012:- How to cite Icici Bank Report, Essay examples

Why Adding Value to Your Content Improves Your Freelance Writing Rate

A lot of new writers cant believe how much money you can make writing for small businesses or online clients. Mom blogger? You can be a freelance writer and make some cash with your blog posts. Bank teller? Burnt-out corporate advisor? Clerk? Librarian? Yes, you also can be a freelance writer full-time or part-time (like me!). No matter your background, if you like to write and are willing to learn to write better, you can succeed as a freelance writer. But, theres more to being an online content writer than being able to write. Online content is special if you dont realize that already. When you read a blog post, its much more different than reading a page out of a book or your morning newspaper article. And if you want to be a freelance writer online, you need to know what clients want. Typically, its valuable content that can help them grow their business in some way. And when you can deliver that type of content to your clients, whoa! YOUR VALUE goes way up too. What Do I Mean By Valuable Content? I asked my subscribers to show me their website or blog. I had a blast looking at their portfolios and blogs. But, I noticed a commonality with many of these samples. A lot of them didnt provide enough value to their writing. What do I mean by this? 1. Your Writing Is Engaging Have you ever read one of Jon Morrows blog posts? Hes able to get you hooked within the first sentence. Jon uses bucket brigades, which is a copywriting technique and something I use all the time. By adding an ellipse or colon or something abrupt as the first sentence, it compels you to keep reading. This is engaging. It tells a story that you want to finish. 2. Your Writing is Properly Formatted One of my pet peeves is seeing a blog post that isnt properly formatted. In my Writeto1k course, I created lessons and multiple videos showing your exactly how to format your posts properly. Why do I have these resources in my course? Because I know its probably the #1 way a client knows you are a legit freelance writer. Remember, prospects go to your writer website, click on your portfolio and then hopefully click on a sample piece. They can immediately tell if you are a good online content writer by how your content looks like. 3. Your Writing is Backed Up By Credible Resources One way to tell a personal blog post from a content marketing post is that the latter is backed up with stats, examples, and data. When a client hires your writing services, they arent looking for content that says this: Instagram is used by many popular bloggers and businesses. This sentence isnt credible and can be purely opinion based. To make this sentence better, you can add: Examples of popular bloggers on Instagram A statistic of the percentage of businesses using Instagram This turns your sentence into a valuable sentence. Why Value Helps Grow Your Income When a client gets a piece of content that is filled with high-value, theyre going to keep you as a writer, no matter what you cost. Just think about that. I have a client that enjoys my digital marketing content. They enjoy it so much that theyve offered me bigger projects like creating course material or product reviews. For a while, I was turning them down because Im too busy and at this moment in time and its easier for me to write blog posts than an entire course curriculum. I was sure that because I turned these big projects down (and this client kept coming back to me about more projects), I was sure they wouldnt use me anymore. I mean this is classic difficult writer territory and who wants to work with THAT type of writer (uh, Im sorry but I just cant take on such a huge project right now.While this project does look fun and exciting to be a part of, at this time I just cannot devote any time to it.)? But, you know what? This client understood my position and continued to offer me blog writing projects instead. Why? Because of the immense value I create for them with my writing. They dont want to lose me! Now, Im not sharing this to boast or anything like that. Im sharing this story to drive home how important it is to provide high-value content for your clients. When you do, your income will soar. Why? 1. Youre Writing is More In-Depth When you start writing more valuable content, youll see that its much more in-depth. Youre not writing surface or fluff content here. For example, my lower rate blog posts were something like this: Quick and Dirty Tip: Wash Your Rice 5 Ways to Enjoy Autumn with Your Kids Ive mentioned before that I dont mind writing posts like these. Its a nice break   between writing in-depth posts like these: 5 Reasons Your Sales Page Isnt Converting How to Do Guest Blogging Right Posts like those I just mention require a lot of research to convey your point across. The time it takes for you to research and write these types of posts takes much longer than to come up with five ways to enjoy the fall when you have kids. Because of that, you can increase your rate for these in-depth posts. 2. Your Writing is Comprehensive I want you to take a look at this post over at Blogging Wizard: The title alone should help you realize that this is a monster of a post and highly comprehensive. David goes into detail about each email service provider and tells you how each one works and is different from the others. Davids blog is filled with content that clients would totally love for their blog. So, you can see how hes using his blog to land more clients based on the quality of writing hes putting on his own blog. Do you think he has low-paying clients after seeing his posts online and his blog? 3. Your Writing is Helpful Part of a clients content marketing strategy is to provide helpful posts for their audience. They not only want to acquire leads with their blog, but they also want to inform visitors and convince them to follow their brand. I mean, why do you visit blogs in the first place? Probably to learn something or to solve a problem youve been having. My blog is positioned to help new freelance writers get a handle on freelance writing. I want to provide the best free content to help you get started because thats what I ultimately want – to help new writers find direction. Sure, I would be thrilled if they enrolled in my course, but Im still happy if they can land a client using whats on my blog or in my free courses. When you can show that your writing helps people, they are more inclined to keep you and understand the value you have for their business and their blog.   Ready to Be a Successful Freelance Writer? If youre struggling to land more consistent work or higher-paying work, look at your content and see if you are providing something thats valuable. If you arent, its time to change that. When you do, Im pretty sure youll catch the eyes of higher-paying clients. Let me know how youre going to change your writing! If youre ready to really earn a living from writing, you can get your step-by-step profitable freelance writing blueprint by joining Write Your Way to Your First $1k. It walks you through the exact action steps you need to take to land clients, tweak your website to increase conversions and get paid to write in just weeks or less.