Indian Banking Industry essays

Indian Banking Industry essays The banking sector reforms undertaken in India from 1992 onwards were basically aimed at ensuring the safety and soundness of financial institutions and at the same time at making the banking system strong, efficient, functionally diverse and competitive. The reforms included measures for arresting the decline in productivity, efficiency and profitability of the banking sector. Furthermore, it was recognized that the Indian banking system should be in tune with international standards of capital adequacy, prudential regulations, and accounting and disclosure standards. Financial soundness and consistent supervisory practices, as evident in our level of compliance with the Basel Committees Core Principles for Effective Banking Supervision, have made our banking system resilient to global shocks. India has not faced any major economic/financial crises, though in 1990-91, there was some pressure on the external sector with the current account deficit and external debt servicing reaching large proportions. However, due to prudent macroeconomic policies, it was possible to return the country to a sustainable growth path. As well as the long history of regulation and supervision, Indian banks have limited exposure to sensitive sectors such as real estate, equity, etc, strict control over off-balance sheet activities, larger holdings of government bonds (which helps limit credit risk), relatively well-diversified credit portfolios, statutory restrictions on connected lending, adequate control over currency and maturity mismatches, etc, which has insulated them from the adverse impact of financial crisis and contagion. Banks in India have played a significant role in the development of the Indian economy. However, with the structural reforms initiated in the real economy from the early 1990s, it was imperative that a vibrant and competitive financial system should be put in place to sustain the ongoing process of reforms in the real ...

Virtues a successful ruler has according to Machiavelli Essay

Virtues a successful ruler has according to Machiavelli - Essay Example The World Wars clearly illustrate the lengths that have been taken in a attempt to acquire power and fame. However, other social setting have been able to peaceful elect their leaders successful without any strife. A question is then raised on the different scenarios that lead to peace or war among the people. Philosophers went a step further to study the reasons behind the behavior of people leading them to act in a certain way and the mindset involved. Some of them focused on the politics of the people and especially their leaders who determined the political environment of their citizens. Machiavelli was one such individual who drew some conclusions on qualities that led to a successful ruler. We shall discuss his theories at a critical angle and justify his conclusions. Machiavelli was born at a time when the political situation of his time was filled with devious acts of tyranny and dictatorship. The leaders of his time including the Pope took over power by means of force and tr eachery without the slightest hint of apology to the people involved. The citizens took second place in their fight for supremacy and their welfare, including the prosperity of their countries was a dismissal subject. These events lead Machiavelli to look back at past leadership regimes and the impact of their rule on society. He gives an example of Cesare Borgia and states, ‘‘Cesare Borgia was accounted cruel; nevertheless, this cruelty of his reformed Romagna, brought it unity, and restored order and obedience†¦.’’1. It is clear from the quote that the philosopher was only trying to be reasonable in his approach to the situation at hand. He justified the means to the ultimate end as was core understanding of politics. As a politician himself, Machiavelli decided to resign from public office and write guidelines on successful qualities of leaders as he saw fit at the time. He begins by outlining that a ruler must possess the qualities of virtu and For tuna. By way of virtu, one is able to control the status of his leadership and assert himself among his people. This was not the traditional virtuous way of leading, but an unconventional stand in which one uses any means possible to establish their rule. Such means are at times violent and harmful to the people but they sometimes arrived at the desired results as was initially intended. Andrew in his book writes, ‘As such, when he talks about â€Å"virtue,† he tends to mean, not moral goodness or Christian piety, but skill required to keep control of one’s kingdom.’2 He goes ahead to explain that the functionality of the two factors go hand in hand with each other thus one has to be able to prepare for future outcomes by influencing their result. This involves adapting to the changes that may occur in the course of pursuit of power for the sake of being relevant. Those who are resistant to change could find themselves in ruin if caution is not taken. Such as the seasons of time change, so do our circumstances in life and we should be prepared to manage the results of those changes in society. In times of peace, one should build for themselves vessels of protection incase a turmoil develops. We cannot always rely on our luck to be in power but take an active role in ensuring our prolonged stay. The other notion of Machiavelli insists that leaders should separate their innate morality from their actions in

BP Essay Example | Topics and Well Written Essays - 750 words

BP - Essay Example Among the various factors that affect blood pressure measurement is the lying or seated position. Clinicians suggest that the seated position is best for the measurement. While in the seated position another factor that also has an influence is the leg position. A flat feet position is generally recommended during blood pressure measurement. However, the present study aims to evaluate the effect of two leg positions on blood pressure in stage 1 or 2 hypertensive patients of Turkish origin and between 18 and 65 years of age. The measurement of the changes in blood pressure taken within a 3 minute interval between the two positions viz., feet flat and cross legged position is the major procedure of the study. The changes in both the systolic and diastolic pressures are to be considered. A comparison of the mean values of the two measurements calculated by a t-test is proposed to determine the effect of both the positions on the blood pressure of the patients. Previous studies carried out by other researchers have shown that crossed legged position had a prominent effect on blood pressure in hypertensive patients as it increased both the systolic and diastolic pressures. The physiological reason for the increase can be attributed to â€Å"a translocation of blood volume from the dependent vascular beds to the thoracic compartment†. While some other studies have not found any significant changes in blood pressure due to cross legged position and though the clinical guidelines do not emphasize the patients to keep a flat feet during measurement, the majority of studies that have recorded significant changes in blood pressure when the leg is cross legged cannot be ignored. Hence it is wise to follow the flat feet position during blood pressure measurement to avoid any errors or unwarranted changes in the measurement. The

Slavery and Civil War Essay Example for Free

Slavery and Civil War Essay For a long time a controversy has existed amongst historians regarding slavery as a cause for the civil war. A large number of Northern writers agreed with President Said James Ford Rhodes that slavery was the singular cause of civil war and but for slavery there would have been no civil war at all. The annexation of new territories of Texas, Oregon and Mexico were the source of all trouble because whenever the question of entry of any state to the Union came up before the Congress, both Northern and Southern states tried their level best to ensure its entry as a free or slave state respectively. Wilmot Proviso might have exploded the situation but was again saved by the compromise of 1850. As someone rightly pointed, ‘the compromise of 1850 was merely a lull which foreshadowed the coming of a storm’. This situation was further provoked by the Kansas-Nebraska bill. It re-opened the question of slavery. One of the immediate of the passage of the bill was that a struggle started between the free and slave states over the control of Kansas. The Lecompton Constitution 1857, the Dred Scott decision 1857 were the later incidents that involved the slavery question and led to civil war. Right from the start of Civil War pressure had been exerted on Lincoln to declare the war as a crusade for the abolition of slavery. To win the support of the liberal opinion in Europe, Lincoln issued his Proclamation of Emancipation on September 22, 1862, in his capacity as Commander-in Chief of the Army. It was declared that ‘on the first day of January A. D 1863, all persons held as slaves within any state or designated part of a state the people whereof shall then be in rebellion against the United States shall be then, thenceforward, and forever free. ’ No doubt, the abolitionists were insulted, attacked and persecuted, but they carried on their activities. All these actions and reactions did arouse the conscience of the people and in the north they stood up to defend them. The Abolitionists followed different methods, which resulted in split of the organization. The extremist group known as Garr achieved their objective. The other group known as liberty Party Men; was composed of moderates and believed in constitutional methods. They wanted to get into the Congress, control the presidency and bring about the desired reforms. They put up candidate in the4 presidential election of 1840; though they could not get him elected. 13th Amendment also paved the way for civil war. It was not the same 13th Amendment that we have today but this amendment preceded the Civil War, was adopted in February 1861. This version was adopted for an utterly dissimilar purposeto guarantee the validity and perpetuity to the institution of slavery in the Southern slave states, rather than to abolish it. This amendment was aimed at to guarantee to preclude Civil War. But the opposite happened. Another factor that contributed toward the intensification of civil was black soldiers. In 1862, President Lincolns Emancipation Proclamation enabled for African Americans to recruit in the Union Army. There was an earlier desire on the part of the African-American to join the war, but were negated to enlist in the army due to the secession fear of the bordering states. However after the Proclamation hundred thousands of black soldiers joined the army and their number mounted to approximately 180,000. From the above discussion, we can conclude that it would be fully an erroneous view to hold that slavery was the sole cause of the civil war but it is right to conclude that for slavery there would have been no civil war.

Doctor Faustus Essays: The Appeal of Evil in Dr. Faustus :: Doctor Faustus Essays

The Appeal of Evil in Dr. Faustus  Ã‚   Christopher Marlowe had a thorough idea of what his audience wanted. The audience of that time wanted to be wild and evil but due to the strong influence of the church this was not possible. Most people want to see violence, sin, and give in to temptation but could not because of the label that society and the church would place on them. Marlowe gave them a play where they could see and experience all of the things that people wanted to do but could not or would not because they were dangerous and sinful. In Act I Marlowe sets up the dramatic summoning of the Devil. First Marlowe lets Faustus describe the setting: Faustus. Now that the gloomy shadow of the night, Longing to view Orion’s drizzling look, Leaps from th’ antarctic world unto the sky And dims the welkin with her pitchy breath†¦Ã¢â‚¬ ¦(I.iii, 1-4) If we look at this passage we see many references to how the stage looked and what the atmosphere of the audience was like. First, Faustus states that the setting is now perfect to begin the summoning of the Devil. Darkness would cover the stage and the audience as the gloomy shadow of night dimmed everything. The darkness loomed so low and black that Orion could not even be seen. Faustus went on to describe the scent in the air, the scent of Pitch, the scent of Hell! The audience was mystified and horrified at the same time. Now that the setting has been set and piqued the audience’s interest, the incantations can begin: Faustus, begin thine incantations And try if devils will obey thy hest, Seeing thou hast prayed and sacrificed to them. Within this circle is Jehovah’s name Forward and backward anagrammatiized, Th’ abbreviated names of holy saints, Figures of every adjunct to the heavens, And the characters of signs and erring stars, By which the spirits are enforced to rise: (I.iii, 5-13) Here we see that Faustus starts to summon the Devils from the depths of Hell. Faustus claims that he has sacrificed and prayed to them, that he has made Jehovah’s name anagrammatiized. At this point the audience would have been actually frightened. They would be fearful of what God might do for Faustus taking the names of holy men and changing the letters around and spelling words from them.

The Master of Zen

In â€Å"The mystery of Zen† the character is bewildered by the Zen master’s strange connection between him and the bow and arrow. Brought to light by this story, we experience the incredible connection between a sport, a man, and how the he uses his instinct to bring them together. Zen is a type of meditation intended to create a total togetherness with the body and mind. As part of this togetherness, the bow and arrow would be considered an extension to the body as made one with the mind. This technique involves the communication with both abiotic and biotic mass to create peace or balance with ones surroundings. As an action is performed the master delves into a trance as he immediately responds to his environment in a fluid manner. The same view that is made to build this connection can also be used in other sports to reach excellence. Boxing is a sport that can be used as an example of the influence Zen can play on a not so peaceful sport. As in life, the most important fight you can win is the battle to resist mental defeat; this sport becomes a way of life. There are a few mental disciplines or practices the mind must follow to achieve success in and out of the ring. In order to gain a hold on one’s own style of boxing, there must first be effort that results in a good physical core and stamina. This means one needs to dedicate time and effort to build strength before one enters the ring. One’s goal is to have achieved an athletic physique and mentally satisfying accomplishment that one aims for. However, the greater underlying achievement is the subconsciously built benefit which is time management. Creating a working system that one eventually follows almost as second nature. This first step to becoming a boxer is essentially the layout for any future endeavors. Although the tasks might be different, the key ingredient to having a successful anything is consistency. This step brought me closer to reality. It helped me accept the fact that success is determined by how hard one is willing to work at something to be good at it. I found out starting up that boxing helped build a good work ethic, and gave me energy to open up time in my day to build a solid schedule for work, play, and school. The leading cause to this improvement was my hunger for building a foundation for a sport I was interested in. The second step I had to go through was learning combinations. This meant training my hands to move with my weight so I wouldn’t lose balance through the combination. Variations of light to heavy punches with timed duck and weaves meant I would need to go against my naturally unbalance motion to create a fluid and balanced form to stay on track. Prior to this training my body would prepare itself to go through at most a minute of intense motions I believed was exceptional. However, these new movements were far more complicated and went on for five or so minutes. My body would naturally cringe from having to duck from right to left as I had only taught my body to move from left to right. My answer to the issue was taking very deep breaths during my pick and weaves to decrease tension and slow my heart rate down. After two weeks of intense training I had noticed my breathing intervals were further apart. I would take a deep breath by grasping as much energy as I could and then let it all go. I also noticed that I was more focused and alert at work and school. Boxing helped me be more patient and calm while making decisions to accomplish objectives throughout the day. The answer wasn’t as simple as attacking the objective. A plan would have to be made and I would have to following through with it in order to win. This suited well for me because I learned to treat the obstacle somewhat like a match, as I would plan possibilities and measure the cost of taking one versus the other. Maybe I got into boxing in the first place because I knew it might clear my mind at work. Majority of the time, I had the responsibility to make executive decisions. Sometimes I would be answering two phone calls while dealing with customers and making arrangements for shipments all at the same time. To say the least, being patient and making a plan worked best. I would take a break from boxing from time to time and still use the patience I learned from it to make the best decisions at work. After sparing a dozen matches and a dedicated routine, I began to look at my surroundings differently. The average boxer has a particular style that he constantly works on to reach the peak of perfection. Some might have slightly different variations of the way they work but they are all essentially just cycles. My reaction time was fast and I was in good shape the only thing I was missing was intuition. When pushed to the brink in later rounds I would use the connection with my surroundings to change tactics. In business and school there is the ninety nine percent which is the effort you make to do well and there is that one percent that is intuition. The feeling that the decision made was the right one. It’s like that no worries type of feeling one gets after making a risky ecision, almost like a humble form of over confidence. The measurement of cost and benefit and then there’s that last nudge that tells you to make it happen. It’s fluent, as though you are one with that shipment that predictions say is too much for the margin. Knowing that when your body finally ducks under that over hand right, your own uppercut will connect with devastating force. Going thr ough these experiences helped me understand how to use the benefits of intuition on a deeper level. The practices and fundamentals of boxing transcend to what makes a hard working person. Adversity that needs to be overcome is answered with consistent practice of this sport. Many of the obstacles that one would run into in the business world and at school are confronted in different forms. The simple ground work of boxing is a universal map of how someone can approach and prepare for future endeavors. The connection that is strung tight with body and mind is important for attempting to accomplish anything. Relying on the self to make decisions sometimes without the resources necessary to make logical decisions requires this self-understanding and togetherness that can only be utilized by expressing the self.

Ctlls Unit 3 Principles and Practice of Assessment Essay

Unit Three: Principles and practice of assessment Methodology Firstly we had input during classes from our tutor on the categories of concepts and principles of assessments, how to use different types of assessments and some of the strengths and weaknesses of these methods, the role of feedback and questioning in the assessment of learning and the different types of assessment records and their uses. Next we individually researched these topics, to do this firstly I used discussions with my mentor, observations of colleague’s sessions, discussions with my peers and evaluation and reflection of my own teaching sessions. My secondary research consisted of academic books, internet sources, as identified in the bibliography. I chose†¦show more content†¦These principles mean providing effective feedback that enables learners to improve and plan the next steps; adjusting our teaching to take account of the results of assessments, including focusing on the whole person their feelings, skills and barriers; recognising the influences of assessment on motivation and self esteem of learners as well as learners taking responsibility for their own learning which in turn can help with knowledge retention and the need for learners to be able to assess themselves and understand fully how to improve through peer and self assessment and reflection. This helps with the next step s needed for further learning. AFL is a particular view of learning that believes all learners canShow MoreRelatedCtlls Unit 3 Principles and Practice of Assessment833 Words   |  4 PagesCTLLS Unit 3 Principles and practice of assessment My methodology for writing this essay is so that I can gain my Ctlls qualification and support my own teaching practices. In my research for this assignment I have used books, the Internet for various websites and my notes from the lessons, as well as my own experience from teaching. Assessment is used so that I can check that learning has taken place and to what extent. 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