Same Sex Marriages Should be Legal Essay - 824 Words

Same Sex Marriages Should be Legal Flowers, candles, and music are all part of a wedding. As the organist plays Here Comes the Bride, I notice this is where the similarities end. The bride, who is a woman, is marrying a groom, who is also a woman. Single-sex marriages are only allowed in a few states. However, single-sex marriages should become legal so that couples could enjoy the advantages of marriage. Legalizing single-sex marriage would create more family units and create more tolerance from society, allowing single-sex couples a legal way of expressing their love to each other. One of the major complaints of heterosexuals against homosexuals is that homosexuals are involved in many sexual relationships instead of a†¦show more content†¦Second, so many children grow up with a single parent and never see the interaction of a couple at home. Although maybe not the perfect family by societal expectations, which is a man and a woman, a same-sex couple would form a family unit. Therefore, the children would be loved and nurtured by two adults instead of one adult who is usually stressed out trying to be the sole provider. Tina, a single parent of two children, fell in love with Belinda in 1987. Belinda and Tina moved in together and raised Tinas children until the children left for college. The children, Dusty and Summer, received twice the amount of love than if Tina had remained alone. Also Dusty and Summer grew up watching the interactions of two adults. A unique family unit is created by two people of the same sex living together; however, many more children could benefit from the increase in family units if these same-sex marriages were allowed. While creating family units, same-sex marriage would also decrease the freedom of going from one relationship to another relationship by forming these units. Finally, what is the foundation of all marriages? It is what we humans call love. Love is the reason we create that one monogamous relationship. Love is the reason we want to raise a family together. Love is the reason marriage exists at all. Sheila and Annette, my friends I spoke of earlier, have been together for twenty-five years now. If they were allowed to be married, society would beShow MoreRelatedSame Sex Marriage Should Be Legal1288 Words   |  6 Pages Marriage is not precisely the same as it used to be interpreted. For example, women used to be their husband’s property. Sometimes the women were forced to marry whoever their parents wanted them to marry and most of the time they couldn’t leave the marriage. Nowadays women have more freedom. They can vote, they can run their own business, and they can marry whichever man they want to. The laws change as the people’s mind change. As they get more comfortable with the idea, they become more openRead More Same Sex Marriage Should Be Legal Essay1475 Words   |  6 PagesSame sex relationships relate to when a man or woman are attracted to someone of the same gender of themselves. It is being rejected as same gender marriage denies the obvious purpose between a man and a women which is procreation (Richardson-Self, 2012). Denying same sex couples the legal right to get married, could mean that they are being denied their basic human rights to enjoy human benefits (Richardson-Self, 2012). However, the opposing view is that if gay marriage was granted the legal rightsRead MoreSame Sex Marriage Should Be Legal1403 Words   |  6 PagesSame-Sex Marriage â€Å"I now pronounce you†¦Ã¢â‚¬  At some point in a person’s life, they have heard or will hear those words. What follows, however, has changed somewhat over the years; although, the commitment has remained the same. Those words historically indicate that until the death of a spouse, that couple shall remain together. Who should be able to determine whom that spouse is for that person? Some people judge others for their sexuality and how it is affecting them, but they never stop andRead MoreSame Sex Marriage Should Be Legal1144 Words   |  5 PagesGay Marriage There are many issues the revolve around same-sex marriage. Many issues like: Whether same-sex should be legalized and should there be an amendment on same-sex marriage? There are multiple side to view this, but gay marriage but in my opinion gay marriage is socially accepted. it should be legal and it does affect American teens in a broad spectrum of ways. There have been a lot of issues on whether or not same-sex marriage should be legal or not. According to Burns, â€Å" The unionRead MoreSame Sex Marriage Should Be Legal998 Words   |  4 PagesSame sex marriage ought to be legalized on the grounds that it is uncivilized and unmerited. Marriage is a commitment between two people that cherish one another. In almost every country and culture, marriage is a commitment of loyalty and love. Marriage is an authority contract gathering two individuals together, furnishing them with profits of holy matrimony such as tax cuts and clinical privileges. The debate throughout most countries today is whether or not the rights of these profits and commitmentsRead MoreSame Sex Marriage Should Be Legal1659 Words   |  7 Pages Same-sex couples can hardly remember a time where they were not fighting for their right to marriage in the United States. After several court cases, California Proposition Six, and their struggle against the Defens e of Marriage Act (DOMA), same-sex couples found their way into U.S. society. Many misguided studies appealed to those opposing same-sex marriage, but after several years of integrating in society, same-sex couples found the support they were looking for. Before the Supreme CourtRead MoreSame Sex Marriage Should Be Legal899 Words   |  4 Pages In the United States, same sex marriage became legal nationwide on June 26, 2015, when the United States Supreme Court overruled the court in favor of same sex freedom and marriage. The victory of same sex marriage came to be recognized from the Obergefell v. Hodges case which was submitted when an American Ohio man was denied and regretted to get his name on his late husband’s death certificate. Same sex marriage has been a controversial social issue in the United States for several decades. SinceRead MoreSame Sex Marriage Should Be Legal1491 Words   |  6 PagesSame sex marriage is one of the most debatable issues in the modern world. Marriage has been accepted as the social union between a man and a woman for the past thousand years. Homosexuality was viewed with scorn, and marriages among same sex couples were prohibited in most cultures across the globe. However, gay relationships are slowly obtaining acceptance, as homosexuals have come to be expressive in fighting their rights to marry in the early 90’s. As homosexuality grows in acceptance in theRead MoreSame Sex Marriage Should Be Legal892 Words   |  4 PagesLove Same sex marriage is now allowed in all states across the country. But it took years and years for this â€Å"issue† to be finally laid to rest. The first state to legalize same-sex marriage was Massachusetts in 2004. There was not a last state to legalize gay marriage. The supreme court realized how many states were now legalizing it, so they just had all of the states left legalize it as well. ProCon.org supplies information that â€Å"Twenty-six states were forced to legalize gay marriage becauseRead MoreSame Sex Marriage Should Be Legal2253 Words   |  10 Pages1776). The recognition of same-sex marriage is an issue influenced by numerous factors, and debates continue to arise over whether people in same-sex relationships have the right to marriage. Marriage provides many benefits, legally, financially, and personally. Same-sex marriage can open up those in same-sex relationships to tax benefits and financial demands comparable to those afforded to and required of peo ple in opposite-sex marriages. Same-sex marriage also gives them legal protections, such as

My Decision For Graduate School - 2176 Words

Personal Position I feel that my decision do graduate school was one of the first decisions that was guided by prayer. The majority of my decisions since graduating from Longwood University have been based on circumstances. When I graduated I decided not to move back home but to stay in the small town. My parents informed me that they would no long pay for anything and I needed to find a job to pay my bills. I graduated with a degree in therapeutic recreation. I began by applying to anywhere that had a position open regardless of if I wanted to work there or not. All of my experience was in parks and recreation. I knew that I did not want to work in psych, and with the elderly. However I applied to many behavioral health hospitals and retirement homes. The first place to off me a job was Poplar Springs Behavioral Health Hospital, which was a locked psych hospital. It was not something I wanted, however it was what I needed. I took the job figuring I would hate it, turned out I absolu tely love mental health and behavioral health. After almost two years of work at Poplar Springs and driving an hour and a half to work each day my fiancà © and I through it would be best to move closer to my family in Northern Virginia where there are better opportunities for jobs and jobs closer to our home. We moved before I turned 26, which is when I would be kicked off of my parent’s health insurance. I wanted a job at a hospital with teens. Again I needed a job so that I would have healthShow MoreRelatedThe Decision Model For An Acronym1284 Words   |  6 Pageseach letter stands for an acronym that will make it easier for someone to make a decision. The D in the decision model stands for â€Å"define the decision,† this helps the individual realize what information they will need in order to make the decision. For example, what background information is needed and how will that information be used in making the decision. For my family, the decision that was mad e was to send my brother and me off to college; so we can help our parents out when they grow olderRead MoreEssay on Education Beyond Undergraduate763 Words   |  4 PagesEducation Beyond Undergraduate Graduate or professional education is an often-debated topic for a large number of University seniors. Regardless of the undergraduate degree many students must decide whether to enter the job market or go to school for another couple of years. When these students are faced with this decision it is important to look at what they consider. Is it job satisfaction, future pay, or the mere fact that they want to spend a few more years in college? These issues areRead MoreSoftware Engineering992 Words   |  4 Pagesmind for my life. I want to graduate university, possibly go to graduate school, and obtain a career in which I am happy and satisfied. Yes, I know this sounds very clichà © as many people want to obtain this kind of life. I don’t mind obtaining a â€Å"normal† happy life as long as I am happy with it. I am familiar with Maslow’s Hierarchy of Needs and I want to make sure I fulfill my lower needs before I start trying to achieve my goals. I have neve r actually applied the GIOADA process to my decision makingRead MoreAfter Graduate School846 Words   |  4 Pagesdo after under graduate school is always a difficult task. For most people, they can never decide this far in advance but for me this is no issue. I decided over a year ago that after I graduate from Meredith I want to continue my education at either the University of North Carolina Chapel Hill School of Dentistry or East Carolina University School of Dental Medicine. This decision did not come easy for me but I am defiant now that it is what I want to do. Coming to this decision took a lot of thinkingRead MoreGraduate Studies Challenges and Strategies for Success Essay975 Words   |  4 PagesGraduate Study Challenges and Strategies for Success James HCS 504 August 2, 2010 Anne Graduate Study Challenges and Strategies for Success Making the decision to go back to school after many years within the workforce was a difficult decision. Before making that decision, I had to research the challenges that graduate students face during their studies. In my research, I have found that three of the most challenging obstacles that will affect my studies during my desire to achieve a higherRead MoreMy First Semester At Mesa College1556 Words   |  7 PagesThis is my first semester at Mesa College. I am currently a Political Science major. The term that would best describe my current situation would be â€Å"non-traditional† student. I graduated from high school in 2006. Since then I have gotten married, travelled the world, and had two children. While in high school I excelled and took part in many academic extra-curricular activities. In the past ten years I have accumulated work and life experience. Most recently I was able to work as a legal assistantRead MoreCorrelation Between The And Path Analysis77 7 Words   |  4 PagesHypotheses Research Questions 1) Is my model consistent with my observed correlations among the variables? 2) If my model is consistent, what are the estimated direct, indirect, and total causal effects among the variables? 3) Do attitudes, subjective norms, and perceived behavioral controls interrelate amongst each other and impact on intentions which, in turn, impact behavior? 4) Do PCBs directly impact behavior in the decision to actually apply to graduate school? 5) Do students with optimistic attitudesRead MorePositives And Negatives Of College Students1518 Words   |  7 PagesCurrently in the United States there are around 2,500 4-year institutions and 1,500 2-year institutions. The number of colleges has decreased in since 1930, as the trend was to consolidate small schools. In the fall of 2015, there is an estimated 20.2 million students expected to attend American colleges and Universities (Fast Facts, 2016). This is an increase of about 5 million since the fall of 2000. Females are expected to account for the majority of college students; about 12 million studentsRead MoreThe Effects Of Occupational Safety And Dictate Human Performance Within A Work Environment1246 Words   |  5 PagesI was transfixed in how two pilots and one flight engineer were absorbed in the numerous tasks affiliated with flying, as I stood watch as a passenger in the cockpit of C-130. My initial thought was, how stressful of an environment to perform so many t asks, at such a quick pace. Intrigued by this question, I narrowed down my interests in psychology to the investigation of how stress, motivation, and task variation can effect attention and performance under threatening environments. Furthermore, howRead MoreIs the Cost of College Worth the Price?732 Words   |  3 Pagesis worth it or not, recent college graduates have become more successful in their lives. Some people may think that attending college is a waste of time and money, while others feel that college gives them valuable skills in the real world. College will help the person gain the necessary work skills for his or her future job career. Moreover, the job that a person gets after college can outweigh the money and time the person spent in college. College graduates will be more favorable to have a better

Homelessness Essay Example For Students

Homelessness Essay Homelessness Essay Thesis: Contrary to much public opinion, the growth of the homelessness is caused by economic conditions, personal choice, society, and other factors such that they are discriminated by the mainstream society. Homelessness seems to be an expanding problem of the modern age over the past year. Homeless people face an intense struggle just to stay alive despite the fact hat society turns its head from the problem. The government makes laws that discriminate against homeless people, which make it illegal for them to survive. Most homeless people are mistreated and this mistreatment of homeless people is an important issue that is often ignored in our community. When you see a homeless person on the streets, how do you react? Do you turn your head and ignore them? Do you feel frightened and avoid the situation all together? One of the major causes of homelessness appears to be the unemployment and the second major reason behind the homelessness may be the difficulties and unexpected expenses of living in the modern age, which limits the saving from monthly paychecks. It becomes even difficult to get a house as the time goes by with the competitive any rising prices. I tie these kinds of problems up to the economic conditions, personal choices, society, and other factors such that they are discriminated by the mainstream society. Firstly, the basic truth is that one without a regular income cannot even think of buying a house except the way of inheritance. Assume a person gets a house by inheritance that even does not work unless that person makes a living at that house. Sooner or later, that person will have difficulty staying at that house and he will need to sell it or rent out to someone else and will need to move somewhere cheaper to live in. For example, a friend f mine from back home named Naim has a house, who use to live in Izmir in his flat but later had to move to Dikilia small town nearby Izmir, into a cheaper conditions. Naim was not employed anywhere during that period and had move out of his house for somewhere cheaper. If he had some saving he would not leave his house. It has been ten years now since he moved to Dikili, and now I learned that he found a job at his second year after he got there. As it is partially mentioned above, next cause of homelessness is the high cost of making a living. Again, it depends on where a person lives. Living in a big city is expensive in my country as probably with all other countries. Another example of my friend illustrates this statement. He lives in a small town and he says that he remembers the talk of his family as early as his elementary ages about moving to a city nearby in seeking more opportunity for him especially. He believes that they evaluated the financial aspect of the matter, then, decided to remain stationed in the hometown. Moreover, This decision alone seems to have enabled them to construct the house that they have been living in since then. He now understands his family better when he compares and contrasts the prices and living conditions. Living as a member of a consumer society is also another issue that makes the living difficult and causes homelessness. If one is in such a society, she or he is always tempted to spend some money whatever the cost may be. It is certain that this approach will prevent saving at all. If it becomes habitual, things get even worse and this may cause financial collapse. In some cases, it is not possible to own a house, or to keep it at hand if the person already owns one. Homeless people are homeless because they do not have a place to live. The Underwater World Essay abridging the freedom of speech. (Constitution) Making it illegal for homeless people to ask for money limits their right of free speech. The National Law Center on Homelessness Essay and Poverty released a report about Hopper 4 homeless children attending school. Homeless children are often denied their right to attend public schools because of residency requirements. Also, for many homeless children, it is impossible for them to obtain birth certificates and immunization requirements needed to attend public school. This is .

Human Resource Management of the City Bank free essay sample

Under early Roman law, banks could only be privately owned, but they were regulated by law. With the fall of the Roman Empire, banking became essentially illegal until the third century A. D. By the fourteenth century, when trade routes were being developed, privately owned banks were once again allowed. And by the fifteenth century, banks were needed to advance the huge sums of money required to send out ships to bring back valuable commodities such as spices, silk and gold. At this time in history, banking was big business. 2. 2 SCENARIO OF BANKING IN BANGLADESH The banking in Bangladesh has passed three decades through different policy environments and comprises central bank at the apex, nationalized commercial banks (NCBs), private commercial banks (PCBs), foreign commercial banks (FCBs) and specialized financial institutions. In the decade of seventies, in an atmosphere of fully regulated banking, the nationalized commercial banks played the active role in intermediation and allocation of credit along with the specialized financial institutions. The decade of the eighties witnessed the active operation of both the NCBs and PCBs (local and foreign) in the banking sector. Before liberation of Bangladesh in 1971, the total banking system was private owned, urban-based and profit oriented. But after the liberation, the Government of Bangladesh nationalized all the banks operating in Bangladesh in 1972, except a few foreign banks branches. It was due to the economic policy of Pakistan Government that we were having a privatized banking structure, till the independence of Bangladesh in 1971. After the separation from Pakistan the party, which came to power was politically committed to adopt such an economic policy which would endure social control and ownership of large industries, banks, insurance companies etc. Moreover, the ownership of those enterprises (including the banks) was largely controlled by west-Pakistani entrepreneurs who left Bangladesh after its independence. Following nationalization, the government also recognized the existing commercial banks into six (6) distinct new banks in the following manner in terms of the Bangladesh Banks (Nationalization) Order, 1972: Existed Banks| Reorganized Bank| The National Bank of PakistanThe Bank of Bahawalpur Ltd. | Sonali Bank| The Premier Bank Ltd. The Habib Bank Ltd. The Commerce Bank Ltd. | Agrani Bank| The United Bank Ltd. The Union Bank Ltd. Janata Bank| The Standard Bank Ltd. The Australasia Bank Ltd. | Rupali Bank| The Eastern Mercantile Bank Ltd. | Pubali Bank| The Eastern Banking Corporation Ltd. | Uttara Bank| Table 3. 1: Reorganization of the commercial banks of Bangladesh in 1972 Source: Khan, Mohammad Khalid, â€Å"Banking System in Bangladesh: 1972-1982†. The Bangladesh Times, March 20, 1982. After the nationalizatio n of banks in 1972, it was expected that the banks would play their due role for protecting social interest and in the economic development process of the country and thus reverse the trend as set in before liberation. Though Bangladesh Banks (Nationalization) Order, 1972 did not specifically spell out the objectives of the nationalization of banks, but considering the discontentment prevailing during Pakistan period and the basic principles of the country which were constitutionally established in 1972, the following major objectives of the nationalization of commercial banks might be discerned: 1. Expansion of bank branches for extension of bank services into rural areas. 2. Mobilization of domestic savings, particularly rural savings more effectively. . Providing adequate credit to priority sectors such as agriculture, small industries, etc. 4. Ensuring balanced regional development. 5. Removal of control of banks by few individuals. 6. Appropriation of bank profits by the government and uses it up for public purposes. After nationalization, the commercial banking in Bangladesh underwent a rapid transformation. The total number of branches of 42 scheduled commercial banks increased from a total of 1,116 in December 1972 to 5,983 in December 1999. Again out of the total branches 61. 6 percent belongs to the rural areas as on December 1999. During the transformation, the Nationalized Commercial Banks (NCBs) were expected to abandon profit-orientation and urban-based character and instead to accept rural-based developments character. Besides performing their traditional functions, the NCBs were also required to participate in the development finance activities like providing credit to agriculture sector and non-farm activities, expanding branches in un-banked rural areas, widening their range of services, etc. It was observed that while performing their duties, the customer services of NCBs deteriorated to some extent, specifically in urban areas and so also their profit and profitability. Number of rural branches of NCBs was, in fact, running at losses. Therefore, under the consideration of falling level of customer services and profitability of NCBs, the Government of Bangladesh decided in 1982 that some of the NCBs would be gradually denationalized and new commercial banks would be allowed to function in the private sector. This decision was taken with a view to improve primarily the customer services and ultimately the profitability of the commercial banks, but without hampering heir participation in the developmental activities. After this decision, till December 1986, 2 out of 6 NCBs have been denationalized and 6 newly formed private commercial banks have been allowed to operate in the banking sector of Bangladesh. These Banks have been considered as first generation Private Commercial Banks (PCBs). Now fourth generation of PCBs is operating their activities. First Generation Banks (Established 1982-1988) National Bank Limited, the City Bank Limited, United Commercial Bank Limited, AB Bank Limited, IFIC Bank Limited, Islami Bank Bangladesh Limited and Al-Baraka Bank Limited (the bank was later named as Oriental Bank Bangladesh Limited and presently it is ICB Islamic Bank Limited). Second Generation Banks (Established 1992-1996) Eastern Bank Limited, National Credit amp; Commerce Bank Limited, Prime Bank Limited, Southeast Bank Limited, Dhaka Bank Limited, Al Arafa Islami Bank Limited, Social Investment Bank Limited and Dutch Bangla Bank Limited. Third Generation Banks (Established 1996-2000) Mercantile Bank Limited, Standard Bank Limited, One Bank Limited, EXIM Bank Limited, Premier Bank Limited, Mutual Trust Bank Limited, First Security Bank Limited, Bangladesh Commerce Bank Limited, Bank Asia Limited and The Trust Bank Limited. Fourth Generation Banks (Established 2000-till now) Shahjalal Bank Limited, Jamuna Bank Limited and BRAC Bank Limited. CHAPTER # 03 Introduction of the Organization THE CITY BANK LIMITED * About TCBL * Mission amp; Vision * Branches of TCBL * Organizational Structure of TCBL Products amp; Service 3. 1 An Overview of the City Bank City Bank is one of the oldest private Commercial Banks operating in Bangladesh. It is a top bank among the oldest five Commercial Banks in the country that started their operations in 1983. The Bank started its journey on 27th March 1983 through opening its first branch at B. B. Avenue Branch in the capital, Dhaka city. It was the visionary entrepreneurship of around 13 lo cal businessmen who braved the immense uncertainties and risks with courage and zeal that made the establishment amp; forward march of the bank possible. Those sponsor directors commenced the journey with only Taka 3. 4 crore worth of Capital, which now is a respectable Taka 330. 77 crore as capital amp; reserve. The City Bank Limited is among the very few local banks which do not follow the traditional, decentralized, geographically managed, branch based business or profit model. Instead the bank manages its business and operation vertically from the head office through 4 distinct business divisions namely 1. Corporate amp; Investment Banking 2. Retail Banking (including Cards) 3. SME Banking amp; 4. Treasury amp; Market Risks. Under a real-time online banking platform, these four business divisions are supported at the back by a robust service delivery or operations setup and also a smart IT Backbone. Such centralized business segment based business amp; operating model ensure specialized treatment and services to the banks different customer segments. The bank currently has 83 online branches spread across the length amp; breadth of the country that include a fully fledged Islamic Banking branch. Besides these traditional delivery points, the bank is also very active in the alternative delivery area. It currently has 25 ATMs of its own; and ATM sharing arrangement with a partner bank that has 225 ATMs in place; SMS Banking; Interest Banking and so on. Soon its Customer Call Center is going to start operation. The bank has a plan to end the current year with 50 own ATMs. The City Bank Limited is the first bank in Bangladesh to have issued Dual Currency Credit Card. The bank is a principal member of VISA international and it issues both Local Currency (Taka) amp; Foreign Currency (US Dollar) card limits in a single plastic. VISA Debit Card is another popular product, which the bank is pushing hard in order to ease out the queues at the branch created by its astounding base of some 400,000 retail customers. The launch of VISA Prepaid Card for the travel sector is currently underway. The City Bank Limited prides itself in offering a very personalized and friendly customer service. It has in place a customized service excellence model called GAP (Graceful-Appropriate-Pleasing) that focuses on ensuring happy customers through setting benchmarks for the banks employees attitude, behavior, readiness level, accuracy and timelines of service quality. The City Bank Limited is one of the largest corporate banks in the country with a current business model that heavily encourages and supports the growth of the bank in Retail and SME Banking. The bank is very much on its way to opening many independent SME centers across the country within a short time. The bank is also very active in the workers foreign remittance business. It has strong tie-ups with major exchange companies in the Middle East, Europe, Far East amp; USA, from where thousands of individual remittances come to the country every month for disbursements through the banks large network of 83 online branches. The current senior management leaders of the bank consist of mostly people from the multinational banks with superior management skills and knowledge in their respective specialized areas. The bank this year, is celebrating its 25th year of journey with the clear ambition of becoming the no. 1 private commercial bank in the country in 3 years time. The newly launched logo and the pay-off line of the bank are just one initial step towards reaching that point. 3. 2 Vision and Mission of CBL Vision To be the leading bank in the country with best practices and highest social commitment. Mission To contribute to the socioeconomic development of the country. * To attain highest level of customer satisfaction through extension of services by dedicated and motivated team of professionals. * To maintain continuous growth of market share ensuring quality. * To maximize bank’s profit by ensuring its steady growth. * To ensure participative management system and empowerment of human resou rces. * To maintain the high moral and ethical standard. * To nurture an enabling environment where innovativeness and performance is rewarded. 3. 3 Branches of CBL TCBL is one of the fastest growing banks in Bangladesh. Now 83 branches are operating all over Bangladesh. 37 Branches in Dhaka Division 15 Branches in Chittagong Division 5 Branches in Comilla Division 9 Branches in Sylhet Division 10 Branches in Bogra Division 7 Branches in Khulna Division The network of TCBL engages itself for providing best quality banking service in retail, commercial, corporate and Islamic banking segments. The country’s top enterprises, multinational and local corporations and financial institutions are served by CBL. With a total asset of BDT 48,755 million, CBL is among the top performing local banks in Bangladesh. 3. 4 Organogram of TCBL 3. OBJECTIVES OF CITY BANK LIMITED The main objectives of The City Bank Limited are as follows: a) To establish, maintain, carry on, transact, undertake and conduct all types of banking, financial, investment and trust business of in Bangladesh and abroad. b) To form, establish and organize any bank, company, institutions or organization either singly and/or in joint coll aboration of partnership with any individual company, financial institution, bank, organization or any government and or government agency for the purpose of carrying on banking, financial investment and trust business and/or any other business as provided hereafter. ) To carry on any business relating to Wage Earner Scheme as may be allowed by Bangladesh Bank from time to time including maintaining of foreign currency accounts and any other matter related thereto. d) To contract or negotiate all kinds of loan and/or assistance, private or public from any source, local or foreign, and to take all such steps as may be required to be complete such deals. e) To form, organize assets, participate or aid in forming, promoting or rganizing any company, bank, syndicate, consortium institute or any holding and subsidiary company in Bangladesh or abroad for the purpose of undertaking any banking financial investment and trust business. f) To take part in the formation, management, supervisio n or control of business or operations of any company or undertaking and for that purpose to render technical, managerial and administrative services and act as administrator, manager and secretary. ) To purpose, or otherwise acquire, undertake, the whole or any part of or any interest in the business, goodwill, property, contract, agreement, right, private assets and liabilities of any other company bank corporation, partnership, body person or persons carrying on, or having ceased to carry on, any business which the company is authorized to carry on such terms and may be deemed expedient. ) To encourage sponsor and facilitate participation of private capital in financial industrial or commercial investment, share and securities and in particular by providing finance in the form of long, medium or short term loans or share participation by way of subscription to the promoter shares, or underwriting supports or bridge finance loans and/or by any manner. i) To amalgamate or reconstru ct or recognize with any commercial bank, or body corporate or association in cooperation with any person, commercial bank or association. ) To establish and open offices and branches to carry on all or any of the above business abroad and within the country provided prior permission is obtained from the Bangladesh Bank. k) To establish provident fund, gratuity, pension, and other fund for the welfare and benefit of the employees and staffs, former or present and any matter related thereon. l) To act as official liquidator and receiver. m) To receive, borrow or raise money on deposit, loan or otherwise upon such terms as The City Bank Limited may approve and to give guarantee and indemnity in respect of any debt or contract. ) To appoint officials, staff, experts, advisers, consultants, auditors, Legal advisers and provide for their suitable remunerations. o) To advance, deposit or lend money to or with such persons or bodies, corporate, unincorporated, statutory, govt. and/or its a gencies on such terms as the City Bank may approve. 3. 6 CAPITAL AND RESERVES The City Bank Limited has been consistently maintaining the Capital Adequacy Ratio, as prescribed by Bangladesh Bank. This has been made possible by a policy of building up both capital and reserves. It started with an Authorized and Paid up Capital of Tk. 1,000. 00 million and Tk. 276. 0 million respectively in 1995. Authorized and Paid up Capital increased to Tk. 6,000. 00 million and Tk. 1,934. 25 million respectively in 2008. In addition to Paid up Capital, the Bank has built up a strong reserve base over the years. 3. 7 STRENGTH AND PERFORMANCE With the active support and guidance from Bangladesh Bank, clients and patrons, the Bank has been maintaining sound financial strength and showing a steady and impressive business performance. The City Bank Limited is one of the few mentionable banks, which maintains Capital Adequacy ratio and has more than required provision as per Bangladesh Bank criteria. Starting with a modest deposit of only Tk. 10,749 million in 1996, the Bank had closed its business with a deposit of Tk. 48,731 million as on December 31, 2007. The total deposits stood at Tk. 53,284 million as on June 30, 2008. Total credit stood at Tk. 39,972 million as on December 31, 2007 against Tk. 34,049 million last year, which stood at Tk. 44,809 million as on June 30, 2008. Bank has posted a pre-tax profit of Tk. 2,010 million during the year ended December 31, 2007 against Tk. 1,183 million last year with a growth of 70%. The Bank’s profit before tax and provision as on June 30, 2008 stood at Tk. ,288 million with a growth of 52% compared to the profit before tax and provision Tk. 845 million as on June 30, 2007. Earning per share (EPS) is Tk. 46. 00 as on December 31, 2007 against Tk. 45. 00 as on December 31, 2006. City Bank has received ICAB National Award 2007 in the financial sector for their published Accounts and Reports. 3. 8 CREDIT POLICY AND PORTFOLIO Cre dit policy of the Bank works within the framework of three main objectives, namely, maintenance and improvement of quality of assets, recovery on time and building-up of an efficient customer oriented credit delivery system. The portfolio includes working capital financing, project financing, import-export financing and domestic trade financing etc. The Bank continued to extend working capital facilities to customers to ensure smooth and uninterrupted operation of their business. At the same time, it expanded project-financing portfolio to meet the growing demands of the economy for long-term finance in a depressed capital market. Due emphasis was given to financing export oriented and export linked industries without losing sight of the need for long term loans by other domestic market based industries and ventures. So far the Bank has financed 843 projects. Among them 129 projects were financed during 2007 amounting to Tk. 34,049 million. In long term portfolio, the bank has been diversifying from Textile and RMG industries to Agricultural Industries, Pharmaceutical Industries, Chemical Industries, Food amp; Allied Industries, Transport amp; Communication, Electronics amp; Automobile Industries, Housing amp; Construction Industries, Engineering amp; Construction Industries including Ship Breaking, Energy amp; Power Industries and Service Industries etc. Moreover, the Bank has also extended credit facilities to CNG filling stations, Shipping, Power Sector, Micro Credit and health services etc. For improved customer services, the Bank now extends One Stop services to corporate clients who require term loan, working capital and import-export financing etc. The Bank also participates in Syndicate Financing and so far has sanctioned Tk. 1. 50 billion in 03 syndications. At The City Bank Limited, the Syndications and Structured Finance unit was setup on October 30, 2004. This unit successfully closed nine syndicated deals till 2008. In 2008 (up to March) The City Bank Limited has arranged 3 syndication deals for a total amount of Tk. 1. 50 billion. The Syndications and Structured Finance team as a business unit soon followed up by closing another deal totaling Tk. 1. 40 billion for a large local corporate. In the year 2008 the unit has given priority to the Power, Telecommunication, Textile and any other lucrative industry. 3. 9 FUNCTIONS OF THE CITY BANK LIMITED The City Bank Limited performs all types of functions of a modern commercial bank, which generally includes: * Mobilization of savings of the people and safe keeping of all types of deposit account. Making advances especially for productive activities and for the other commercial and socio-economic needs. * Providing banking services to common people through the branches. * Handling of export and import trade and foreign remittances and with special support to export activities. * Introduce modern banking services in the country. * Discounting and purch asing bills. * Providing various information, guidance and suggestions for promotion of trade and industry keeping in view of the overall economic development of the country. * Industrial finance for both capital machinery and working capital. Finance relating to constructions of both commercial and residential. * Finance under small business of self employed clients. * Finance of farming and non-farming activities to rural people including purchase of agricultural equipments. * Ensuing proper utilization of credit disbursed. * Developing new products. * Market surveys before making any finance. * Finance for small transport. * Monitoring and forecasting. * Developing marketing campaigns. * Finance for household durables. * Work simplification studies. * Monitoring diversification of portfolio among different sectors. * Pricing and minimum size of transaction ship. . 10 Retail Financial Products of City Bank One of the most remarkable success stories of last 50 years banking industr y globally has been the conceptualization and innovative execution of banking with individual customers, their friends amp; families. The industry has termed it as Retail Banking or Personal Banking or Consumer Banking; and it has now at a very rapid pace become the major revenue line for most of the top banks in the world. City Bank, too, recently has started its journey in Retail Banking. City Retail add a little city to your life is the new brand-mantra, the pay-off line for City Retail. 3. 1 Deposit Products City Bank offers a wide variety of deposit products to meet financial needs of the customers. From current and savings accounts to Fixed Deposits and Pension Schemes each account is designed to give the best value for making money. Retail deposit products of City Bank are as follows: * Current Account * Savings Account * City Onayash * Short Term Fixed Deposit * Fixed Deposit * City Ichchapuron * City Shomriddhi * City Projonmo 3. 12 Loan Products City Bank offers two dif ferent types of retail loan products. They are as follows: * City Drive * City Solution * City Express 3. 13 City Cards * Debit Cards Visa Debit Card from City Bank makes life of people hassle-free and safe. Features: * Cash withdrawal from 500+ Visa ATMs 24/7/365 all over the country. * Shop and dine at hundreds of merchant Visa outlets all over the country. * Balance enquiry. * Fund transfer from your account to credit card 24/7/365. * PIN Change. * Mini statement. * Cash withdrawal @ Taka 12 per transaction at 250+ DBBL ATMs. * Credit Cards City Bank is the first bank to issue Dual Currency Credit Card in Bangladesh. This card enables the customers’ simultaneous usage of their cards both in home and in abroad. Features: * Variable Interest Rate. EMI Plan. * Balance Transfer. * Round the clock cash withdrawal facility at any Visa branded ATM throughout the world. * Round the clock purchasing power for goods and services at any Visa branded POS outlet. * 24% interest on Cash Advance. * No cash Advance fee at CITY ATMs. * Lowest Annual/Renewal Fee. * International Roaming facility. * Internet Transaction. * Convenient Repayment option. * E-statement. * Limited Lost Card Liability. * Secured with your Photo Photo Card. * 24 hours customer service help desk Eligibility: * Bangladeshi Nationals. * Age range for primary card holder is 18 years to 60 years. Age range for supplementary card holder is 18 year to 60 years. * Age bar can be relaxed for secured cards. * Minimum Gross Monthly Income (GMI) for silver card Tk. 12,000. * Minimum Gross Monthly Income (GMI) for gold card Tk. 30,000. * Minimum 6 month permanent employment for salaried executives (this indicates total length of service as a total of all companies he or she has worked for), and 1 year of experience in business or practice for self employed professionals and business person. CHAPTER # 07 Analysis amp; Discussion Recruitment amp; Selection and Training program THE CITY BANK LIMITED * Recruitment Process External Recruitment amp; Internal Recruitment * Benefits and Demerits of External Recruitment amp; Internal Recruitment * Selection Process * Orientation amp; Training programs of the Bank Recruitment: Recruitment in Theoretical term: Recruitment is defined as a process to discover the sources of manpower to meet the requirements of the staffing schedule and to employ effective measures for attracting that manpower in adequate numbers to facilitate effective selection of an efficient workforce. Recruitment Process in The City Bank Limited: In the recruitment process, The City Bank Limited follows two ways to recruit new employees. One is External Recruitment and the other is Internal Recruitment. In my report, I have tried to focus both of these ways and described activities under them. Recruitment Process The good design of the recruitment process is a key to the successful recruitment and staffing process. The HRM Function has to focus on the design of the process and to cooperate with all the involved parties managers, employees, agencies and web recruitment services. The recruitment process is unique for each organization and the HRM Function has to make adjustments in the general design of the recruitment process, which can be taken from any source. The recruitment process design is not an easy job, but the HR Recruiter has to be smart enough to bring the recruitment design, which will fit the organization’s need. The recruitment process of TCBL is like the following flow chart- 1. First a vacancy arises. This is due to the creation of a new job, on other occasions it may be because an existing member of staff has been promoted or is retiring. 2. The job description is updated and an employee specification is written. The job description lists the duties of the job whilst the employee specification gives details of the experience, skills and abilities needed to carry out the job. . A vacancy advertisement is written and is circulated via the recruitment channel that the bank uses. The channels including newspapers, internet recruitment sites, corporate web-site. 4. A shortlist (According to CV) is compiled of applicants who are going to be invited to attend for interview. This is done by the recruitment panel that compare s each application form with the requirements of the employee specification. 5. Interviews are held. The panel will use the same set of questions with each interviewee. The interview includes a selection test. 6. Then references are requested for check. 7. Appoint the successful candidates and arrange induction. External Recruitment The External Recruitment is the source of the fresh blood for the organization. As a very critical HR Process, the external recruitment process has to be set up very carefully. The external recruitment is a process, which is very sensitive to changes on the external market like unemployment rate, labor-market conditions, economic factors and others and the managers are very sensitive about that as well. In The City Bank Limited HR managers are mainly concern about how to be successful with external recruitment and an obvious job market analysis. External Recruitment Channels The City Bank Limited uses external recruitment channels to communicate job vacancies to the public audience and the correct usage of the external recruitment channel brings the right candidate for the particular job position. Generally the HRM is responsible for monitoring the job market and react appropriately to the changes on the job market with the proper use of the channels used to bring the expected level and number of candidates at the affordable costs. The City Bank Limited generally uses the following recruitment channels- a. Corporate Web-site b. Newspaper c. Job Web-site d. Interns (Less frequently used) HR managers in the bank has to make critical decision based on the some criteria for above recruitment channels which are like speed, cost, quality, available external recruitment budget. This means managers have to decide whether there is people willing to do job or not, what channel will cost how much to the company, what will be the quality and is there resources to bring new people in organization. To use the external recruitment channel HRM department has to prepare the recruitment plan in the beginning of the year so that the bank can allocate funds per channel. The entire HR department has to be the decision maker as this department is responsible for the cost and quality of the delivered candidates. External Recruitment Advantage The external recruitment is not just about choosing the right or ideal candidate for the vacancy in the organization. The external recruitment is also about the competition. The competition is about the attractiveness of the job advert, communication and quick response from the candidates. In The City Bank Limited, it follows the way as other bank does. Like newspaper, job web-site and other. At the same time bank enjoys some advantages of external recruitment like the following: * The City Bank Limited is one of the most renowned bank in Bangladesh and oldest. People feels esteemed to work in a reputed organization. Its name attracts people when a vacancy created. The potential job candidates will not apply for the position with the organization, which has no name. So people feels attracted to work in this bank and fresh blood enters into the organization. * Channel is the way through which people came to know about the vacancy. And The City Bank Limited strongly focuses on newspaper advertisement. It has flexibility in terms of information. As a result, the company gets huge response applications from a large number of candidates who are marginally qualified for the job. * The candidate will not wait for a long time to be invited for the job interview. Potential candidates will continue to seek jobs. So whenever a vacancy created in the bank the HR department started its work very early so that the rest of the process runs smoothly. By doing so candidates apply for the job and possibility for getting best people from the pool of candidates. External Recruitment Weakness Like the advantage external recruitment also has some weakness. The weaknesses are the just opposite of its advantages. Weakness of external recruitment is categorized under the following: * Expense: Recruiting externally costs the bank much higher. As it is mentioned before that the bank spends lot after advertisement. Hence, the cost becomes one of the weaknesses of external recruitment. * Time-Consuming: Time consuming is another disadvantage of external recruitment. It takes time to advertise, test and select suitable employees. At the same time if the suitable candidates are not available the whole process need to be repeated. Uncertainty: There is no guarantee that The City Bank Limited will ultimately be able to hire the services of best or suitable candidates. External Recruitment Process Key Issues The external recruitment process is a very complex HR Process. This involves clear follow-up of the individual process steps. Generally in the bank the whole HRM department is res ponsible for setting and defining the external recruitment process. The HR managers push other department managers to deliver clearly defined job profiles of the vacancies and the job profile cannot be changed during the recruitment process. Otherwise the change of the job profile cancels the search and starts a new one again. And if this happens it becomes very complex in the recruitment process. Also when the job profile changes during the search, it may bring a lot of job candidates unsuitable for the job position. The most crucial condition for the successful external recruitment process is a clear decision and the agreement about the final person to decide about the new hire to the organization. Cost of the Recruitment The recruitment process is not cheap for the organization. The real cost of the recruitment process is more significant for the organization. The visible cost of the external recruitment is the invoices from the newspaper companies and external job websites. Also the bank has to pay different advertising agency for outside ads and TV ads. As it is mentioned earlier advertisement is the strong basis of external recruitment hence The City Bank Limited spends a large amount after this. The HR managers decide about the potential cost of the recruitment and prepare the budgets for this to bank and the bank provides fund at the beginning of the year. Internal Recruitment Internal recruitment refers to the filling of job vacancies from within the business -where existing employees are selected rather than employing someone from outside. Sources of Internal Recruitment In The City Bank Limited it has several sources of recruiting internally. The following are the most commonly used methods of recruiting people in The City Bank Limited: * Promotions amp; Transfers: This is a method of filling vacancies from within through transfers and promotions. Transfer is a lateral movement within the same grade, from one job to another. It may lead to changes in duties and responsibilities, working conditions, etc. but not necessarily salary. Promotion, on the other hand, involves movement of employee from a lower level position to a higher level position accompanied by changes in duties, responsibilities, status and value. Organizations generally prepare transfer lists or a central pool of persons from which vacancies can be filled for manual jobs. Such persons ar e usually passed on to various departments, depending on internal requirements. * Job Posting: The City Bank Limited uses another way of internal recruitment which is Job Posting, another way of hiring people from within. In this method, the organization publicize job opening on bulletin boards, staff notice board, in-house magazine. One of the important advantages of this method is that the bank enjoys a chance to highly qualified applicants working within the company to look for growth opportunities within the company. * Employee Referrals: Employee referral means using personal contacts to locate job opportunities. In Bangladesh most of the people gets job by using employee referrals. It is a recommendation from a current employee regarding a job applicant. Employees working in the organization are encouraged to recommend the names of their friends, working in other organizations for a possible vacancy in the near future. In fact, this has become a popular way of recruiting people highly competitive job markets nowadays. Internal Recruitment Benefits The internal recruitment process has some benefits for the bank. Internal benefits for The City Bank Limited are like following: * Economical: The cost of recruiting internal candidates is minimal. No expenses are incurred on advertising. * Suitable: The organization can pick the right candidates having the requisite skills. The candidates can choose a right vacancy where there talents can be fully utilized. * Reliable: The organization has the knowledge about suitability of a candidate for a position. The bank can identify who will be more reliable for the known position. Because the bank believes ‘Known devils are better than unknown devils’. * Satisfying: Internal recruitment within the bank is a policy of preferring people from within offers regular promotion for employees. It motivates them to work hard and earn promotions. * Retention: Internal recruitment is a way to retain most potential employees in The City Bank Limited. Internal Recruitment Weakness At one side, The City Bank Limited enjoys the benefits of internal recruitment also simultaneously it has some weakness. The main weakness for the bank are- * Limited choice: The internal recruitment of the employees reduces the area of choice. The reduction in the area of choice means less number of applicants. The choice is to be made out of people working in the bank. It discourages entry for talented people, outside the organization. * Encourages Favoritism: Internal source encourages favoritism in this system. Most of the time it is seen that the superiors usually select their favorites. The worst part of this system brings sometimes huge loss for the bank as a less capable person is appointed for the post. * Restriction on Fresher: The defect of the internal source of recruitment is that the young people fully equipped with the modern technical knowledge but they remain excluded from entry. As a result, old people run the bank with their old ideas and thinking. Selection Selection in theoretical term: Selection is the process of picking individuals who have relevant qualifications to fill jobs in an organization. The basic purpose is to choose the individual who can most successfully perform the job from the pool of qualified candidates. The purpose of selection is to pick up the most suitable candidate who would meet the requirements of the job in an organization best, to find out which job applicant will be successful. To meet this goal, the company obtains and assesses information about the applicants in terms of age, qualifications, skills, experience, etc. The most suitable person is then picked up after eliminating the unsuitable applicants through successive stages of selection process. Any mismatched in this regard can cost an organization a great deal of money, time and trouble. Selection Process Selection is usually a series of hurdles or steps. The City Bank Limited follows its own established Selection process for selecting appropriate candidates. In this process each of the steps are successfully cleared before the applicant proceeds to the next one. Selection Process of The City Bank Limited starts with the screening of available resumes for a particular job. 1. Screening of resumes is done for figure out totally undesired or unqualified candidates. It is essentially a sorting process in which the necessary information is elicited from the candidates about their education, skills, experience. 2. After sorting interview HR personnel of the bank sort out the eligible candidate for the position and are being asked for sitting in written exam. In written test of The City Bank Limited it takes several tests. These are- a. Conceptual Test: In conceptual the candidate is given a case study. In that the bank can measure how effectively the candidates respond to the given scenario. b. Informal Test: Informal test is kind of a candidate may have to act in a role play. Sometimes candidates are given a scenario and are asked to what he or she would do if the situation arises. c. Intelligent Quiz Test: Intelligent quiz test is like MCQ type. Candidates are some kind of mathematical problem in MCQ type and have to answer those. d. General Knowledge: In written test of The City Bank Limited candidates have to face general knowledge test. In this test candidates have be aware about the current affairs of the country as well as internationally. In addition, some historical facts have to answer. 3. Interview is an essential element of selection and no selection procedure is complete without interviews. In addition, The City Bank Limited is no exceptional from this step. In the interview, candidates are asked questions related with their educational background, past work history, training attended and other which are filled in their resume. In The City Bank Limited when a candidate sits for interview the panel takes some test of the candidates. These are like- e. Intellectual Test: These are mental ability tests. The interview panel measure the candidate’s learning ability and the ability to understand instructions and make judgments. These tests also measure several abilities such as memory, vocabulary, verbal fluency etc. . Skill Test: Skill test measure an individual’s potential to learn certain skills like accounting, mechanical, mathematical, etc. This test indicate whether or not an individual has the capabilities to learn a given job quickly and efficiently. g. Personality Test: Interview panel of The City Bank Limited measures a candidate’s personality t est generally through the style of him/her. Candidate’s dress-up, grooming style, way of behave and talking all those reflects personality and this is an important factor for hiring the selected candidate. h. Integrity Test: This test is taken to measure the applicant’s honesty. The applicants are expected in this test to answer in â€Å"yes† or â€Å"no†. 4. Reference check in selection process is an important point. Here candidates are asked to mention in his application form, the names and addresses of two or more persons who know him well. These may be his previous employers, heads of education institutions. These people are requested to provide their frank opinion about the candidate without incurring any liability. 5. After the interview candidates are shortlisted by the department and are finally approved by the executive of concerned department. . After final approval, employment is offered in the form of an appointment letter mentioning the post, the rank, the salary grade, the date by which the candidate should join and other terms and conditions in brief. 7. Induction is done in bank after joining of a new employee. Induction is the process of receiving employees when they begin work, introducing them to the company and to their coll eagues, and informing them of the activities, customs and traditions of the company by the branch manager. Orientation amp; Training programs: After recruiting the new employee an orientation program effectively introduces them into the organization and assists with retention, motivation, job satisfaction, and quickly enabling each individual to become contributing members of the work team. It is very important to have an orientation and training program for every newly hired employee . Accidents occur in all areas of the operation. For that Human resource development is an essential pre-requisite for achieving organizational goals. No organization can run successfully in a changed environment without developing its employees’ human qualities. Training is a recognized way through which organization could help improving the efficiency its employees’. It is also an ongoing systematic process. It helps to bring about developmental changes in knowledge, skill and attitude of an employee. New employees should always be given a training or orientation session before they actually begin their work. A thorough training session should also be held for all employees at the beginning of each season. During the orientation session, management should review and explain the policies and work rules with the employees. After orientation, the manager should walk through the operation with employees and explain the task areas. This may seem monotonous but it will help to perform the task amp; responsibilities. The walk through should include a review of the responsibilities of each individual job. Be sure to cover the responsibility of each worker in the event every task. Without a well-planned orientation, new employees end up confused. The employers lack of direction and disorganized approach rapidly diminishes the employees commitment to the company. The best new employee orientation programs: * Make a good first impression. * Make new employees feel welcome and valued as key players on the team. * Explain the mission/purpose of the company and the job so employees can see the big picture. * Assure them they will be carefully and patiently trained — not thrown in to sink or swim. * Familiarize employees with rules, policies and procedures. * Help employees adapt to their new surroundings, as well as learn who all the players are and how they work together. * Establish friendly relationships among co-workers and managers. Ensure new employees have all the information and tools they need to do their jobs. * Motivate employees to succeed as an integral part of the team. * Develop the long-term commitment you want from every member of your workforce. * Tell them whats in it for them — in sum, reinforce their buying decision. After successful selection process they start their own strategy to make a very effective man po wer for the Bank. Like the other organization The City Bank Limited organize an well designed orientation amp; training programs for their newly recruited employees. This program designed by the HRD of The City Bank Limited. this programs is held in the training Institute of the bank under the super vision of the principal of the training institute. Generally the duration of an orientation amp; training programs is 15-30 days. The first day of the programs the following person are present: 1. CEO amp; Managing Director of TCBL 2. DMD of TCBL 3. Head of HRD of TCBL 4. Principal of TCBL training institute 5. Faculty members from TCBL training institute. 6. Occasionally, other department heads First day of the orientation programs the newly recruited employees are introduce with the Honorable CEO amp; Managing Director of TCBL, Deputy Managing Director and Some other top level Executive of the bank. The also know the different hierarchy level of the bank, Different department of the bank. After the introduction day the newly recruited employees get the following training in training institute. Beside the faculty member top amp; mid level executive from different division amp; branch are also providing lecture in this orientation amp; Training programs. Basic Training on Bank operation: After that they provide the different concept about the banking, the function of the bank which are provided by the above executive amp; faculty members of TCBL training institute . like the 1. General banking Department : a. Account opening procedure b. Process of Issuing cheque book /D. D/,T. T/Pay order/Pay slip/FDR c. Function of Clearing house /Clearing cheque d. Different heading amp; Function of Accounts * Current account * Saving accounts * Short Term Deposit * DPS * Suspense Accounts /sundry creditor e. Different types of voucher /document/ cheque 2. Foreign Exchange Department : * Import department Export department * Back -to -Back L. C * NRB function 3. Advance /Credit Department : a. Different type of credit * Industrial credit * General Loans/credit b. Different part of credit i. Credit operation ii. Credit Administration c. Different document of credit i. Charges document ii. Letter of Authority iii. Letter of Agreement iv. Letter of disbursement Training for the newly recruited employees: Besides these basic banking operation concepts TCBL have divided their training and development process for the fresher also in the following sections. All this training are arranged and taken by support and development segment. Service mind set * Service based training * Value added service based training * Computer skill Service mind set: They start their very first strategic implementations by giving service mind set training. The main focus of this training is to give the new employees inspiration about the work. They try to make the employee really professional so that they can match this real corporate life. They try to set everyone’s mind to the work process so that they can give their best and it‘s proven that this is the best tool The City Bank Limited is implementing to the employee and it works like a charm. Service based training Service based training focused on the various kinds of services that The City Bank Limited providing for example Account opening service, Remittance Loan and Advance. They give the new employees a brief knowledge as there part of strategic planning as they are going to distribute those candidates in different segments of the organization. Value added service based training The City Bank Limited has provides some service like Demand draft, Telegraphic transfer, Mailing transfer and Pay order. They provide a very brief training to the employee as they have to deal with each and every day. Computer skills Technology can’t think about the computer. So it’s so easy to judge that all the work going to happen in a bank company through compute. So it‘s a must to have knowledge that each and every candidates have basically in this training they show various tools that required for the work place. Employee Training The City Bank Limited employs a large number of employees for performing various jobs. For the newcomers, they need more knowledge and skill for better performance of jobs. They are, therefore, in need of proper training to contribute to the achievement of the organizational goals. There are some jobs that require little or no training but many of them need to be performed by adequately training. The use of modern technology has created new jobs in the organization, which required training. Training involves the change of skills, knowledge, attitudes or behavior of employees. Although training is similar to development in the methods used to attract learning, they differ in time frames. Training is more present day oriented; its focus is on individuals’ current jobs, enhancing those specific skills and abilities to immediately perform their jobs. Employee development, on the other hand, generally focuses on future jobs in the organization. Training differs from education. Training is concerned with increase in knowledge, skills, and abilities of the employees in doing a particular job. It has a narrow aim limited to increase in knowledge and skill related to a job. Education, on the other hand, broadens the mental faculties and horizon of knowledge. It is concern with enhancing general knowledge and motivating one to understand the total environment. Training is often understood as a learning experience. So, if employees are to understand what training can do to improve an employee’s job performance, employee should begin by explaining how learn. Training widens job related knowledge of the employee. Employees become more skilled and update their knowledge through training. Training provides necessary instructions for performing the current job efficiently. Training differs from education and development. Imparting of training to the employees has become very much important in modern times for better performance of the job. Here it can be said that the question of training does not arise but making choice of the method of training arise. Survey Analysis Frequently used External Recruitment Sources Corresponding to this data I have drawn a pie chart. According to the responder most of them answered newspaper is mostly used for recruiting people externally. Frequently used Internal Recruitment Sources From the answer given by different employees in the bank most of them had responded in case of internal recruitment employee referrals is widely used. Best way to recruit People The employees at TCBL expressed their varied views about the best way, to recruit people. The employees in bank bear an opinion (about 40%) that advertisement is the best way to recruit people. Advertising helps to define exactly the need of the company, and what separates it from its competitors. Willingness to do Job From the chart it can be understood that most of the employees are inspired by the reputation of the bank. Also the respect in banking job matters for people to job according to the respondents. Effectiveness of Recruitment Process From the above chart it is seen that most of the respondents think that the current process of recruitment is effective for the organization. Some think that the bank should be more economic when it is about to advertise vacancy in publicly. Effectiveness of Selection Process Almost all of the respondents are satisfied with the process of selection of the bank which is seen from the graph. Most Reliable Source of Recruitment In term of reliable source the attitude of the respondents were in favor of external because they think candidates from outside are more experienced and skilled. Less were in favor of internal source of recruitment. CHAPTER # 08 Analysis amp; Discussion SWOT THE CITY BANK LIMITED * Strengths * Weakness * Opportunity * Threat * Regression Analysis 7. 1 SWOT Analysis of The City Bank Ltd. The acronym for SWOT stands for: * Strength * Weakness * Opportunity * Threat The SWOT analysis involves an examination of a firm’s strengths, weaknesses, opportunities, and threats. It should help to evaluate a firm’s strategies to exploit its competitive advantages or defend against its weaknesses. Strengths and weaknesses involve identifying the firm’s internal abilities or lack thereof. Opportunities and threats include external situations. SWOT analysis gives an organization an insight of what they can do in future and how they can compete with their existing competitors. This tool is very mportant to identify the current position of the organization relative to others, who are playing in the same field ad also used in the strategic analysis of the organization. The SWOT analysis of The City Bank Ltd. is given below: 7. 1. 1 Strengths: 1. The bank generated modern facilities to serve internal and external customers; 2. The bank provides most efficient client service through its organized and trained personnel; 3. The bank operate within mandate, policy, regulation and guiding principles of Bangladesh Bank; 4. Loan applications are assessed fairly, timely and dispose of earliest possible period of time; 5. Loan money is secured good collateral system; 6. Lending policy is defined, coordinated and clear to all customers; 7. Documentation systems are scientific for maintaining records of loan money and collateral; 8. The bank have continuously been expanding its services due to its due diligence in the cliental services 9. The growth of the Bank is increasing day by day due to efficient and client friendly services; 10. The bank earned profit taka- 358 million in 2004 and taka-839 million in 2008 due to its good management and this has created good reputation resulting in achieving the bigger corporate clients 7. . 2 Weaknesses: 1. The bank is not desperate in increasing its services with the new clients or innovative products line; 2. The operation system is not yet fully modernized according to present demand of the banking system as a whole; 3. ATM facility is not according to demand; 4. The staff often leave bank for better prospects; 5. Shortage of manpower which impact in service d elivery 6. Required level of logistics are not ensured for optimum services 7. There is no regular training provision 8. The checking system of clients’ credit worthiness in respect of mainly previous credit position and its default, is not efficient because present operations takes more time as the system is not centralized. 7. 1. 3 Opportunities: 1. There is scope for creating new clients and investment in new products/items if the bank introduce more efficient operation system through adapting advance technology; 2. The diversified Corporate Sector, Retail Banking, Money Market Operations, Consortium and Structured Financing and Export Oriented and remittance initiatives are the scope for higher growth; 3. The City Bank Ltd. is contracted with Bangladesh Bank for on Online CIB (Credit information Bureau) report which will help client assessment and opportunity for quick service delivery; 4. If in-house training provision is ensured quality and quantity services will be enhanced and would impact in increasing growth of the operational performances of the Bank; 5. The growing business prospects in Bangladesh and the international market is the scope of bank for expanding its services; 6. The bank may expand its operation country-wide through increasing its service centre/branch at viable scales; . 1. 4 Threats: 1. The banking services in Bangladesh is being more competitive due to continuous introduction of new generation Banks; 2. Expansion of foreign bank services in Bangladesh is also challenge for local banking services because they are more healthy in respect of capital and well organized to provide quality services world-wide; 3. Frequent changes of investment policy, lending polic y and operational policy of Banking services; 4. Uncertainty of favorable terms of international trade and commerce; 5. Instability of socio-economic environment of the country;

Sample Essay on Capital Punishment

Sample Essay on Capital PunishmentIf you are wondering what sample essay on capital punishment can teach you, then I'm sure you have read plenty of articles, books and even heard from other people who got their Ph.D. from universities that offer classes on the subject. If you are thinking that you don't know anything about this topic, well you should seriously think about what this sample essay can teach you.The first thing you should learn is that a lot of people in the world believe in the death penalty, even if most of them don't support a particular method of execution that has been around for years now. Other people might also be totally against the idea of capital punishment, but wouldn't go as far as to support capital punishment because of the various means of execution used by other countries.In any case, there's no need to read the articles about this topic you find online or anywhere else because you can read an essay on this topic if you really want to. Another thing that you should know is that it's possible to write a thesis-like essay, even if it is about something that is controversial. There are many ways in which you can approach this topic, as long as you know what you are doing.One of the best ways to approach this article is to read the sample essay on capital punishment that is available. Don't get discouraged if you don't seem to get it right the first time, because a lot of these samples are not written by an expert on the topic. Most likely, they are written by someone who feels strongly about this issue and therefore gets it right the first time.You will also realize that there is some ambiguity in many of the definitions in the article. As a matter of fact, you should understand what the word capital means. This is actually one of the best things about having a sample essay on this topic because you can get it right the first time.Another thing that you should learn from having a sample essay on this topic is that you should find out as much as you can about the topic you are writing about. If you are really worried about not knowing anything about this topic, just read the sample essay and try to apply the information you learned from it.Before you even start writing your article, make sure that you are aware of all the facts about the death penalty. Besides knowing about it, you should also consider the different methods of execution, the recent changes in this topic and the problems with the traditional method of execution.When it comes to an essay on capital punishment, you should have a basic knowledge of this topic and not be afraid to use your knowledge and skills. Having a good knowledge of the subject can save you a lot of time and problems later.

South Africa-Segregation Essays - South Africa, Politics

South Africa-Segregation South Africa-Segregation Discrimination against nonwhites was inherent in South African society from the earliest days. Since the British settled in South Africa in 1795 there has been social, economic, and political exclusion, being ruled by whites despite the fact that whites held about 10% of the population. (Msft. Encarta) Segregation and inequality between whites and other races had existed as a matter of custom and practice, but after 1948 these practices were made into laws that would not be changed easily. These new laws marked the start of apartheid as the country's official policy as well as the start of the National Party's reign of power. The National Party stressed white supremacy and promoted separated development. This separated development entitled that the races be segregated, moving nonwhites out of urban areas into the outskirts of city into so-called"home lands" or bantustans with people of their own race. They also implemented more laws; that determined what jobs nonwhites could get, what type of education they could receive, who they could come into contact with, the facilities they could use, what race they could marry, and the positions they could hold in politics; none. The National Party, under the control of Hendrik Verwoerd, further alienated nonwhite citizens by passing a law that made them citizens of their own bantustans, not citizens of South Africa. The National Party rationalized, saying that this law gave blacks an opportunity to participate in a political process within the bantustans. However, their real motives were get out of paying welfare to millions of nonwhites without losing the benefits of an endless supply of cheap labor. The entire ethnic population was in total disagreement with the South African government's attempt to eliminate their rights. While the start of apartheid was not a memorable moment in South Africa's history, it was a major factor in shaping the nation. Many political parties and organizations today, were formed through the protest of apartheid from 1948 to 1990. These groups played a key role in spreading disapproval of apartheid policies to the citizens and officials of South Africa and ultimately lead to its removal. From the induction of apartheid, there has been much resistance to the policy. One group that adamantly opposed the introduction of apartheid was the South African Native Congress, which was formed by a group of black citizens in 1912. They protested the land appropriation laws of that time and were opposed to the British. Later renamed as the African National Congress, the organization increased their following under the leadership of Nelson Mandela during the 1950's when the apartheid laws were being implemented. After decades of receiving no response to their pleas for justice and equality, the group launched a non-violent campaign in 1952 in which apartheid laws were deliberately broken. The African National Congress' goal was not to start a revolution, but to try to change the existing system. In an attempt to do just that, the ANC brought together 3000 delegates and signed the Freedom Charter. This document stated that South Africa belongs to all its citizens and that "every man and woman shall have the right to vote for and stand as candidates for all bodies which make law." However, this document was not recognized by the national government of that time. In 1960, with the increase in the ANC's involvement in protests and a new group called the Pan-Africanist Congress' protests, the South African government feared more deaths so they banned all black African political organizations. Mandela's arrest sparked anger amongst all ethnic citizens and organizations and produced a volatile environment. In an effort to ease tensions, a constitution was drafted in 1984, which allowed Asians and Coloreds (milado) to be in parliament but it still excluded black Africans who made up 70% of the population. This, along with all the other race inequalities and segregation brought the movement against apartheid to a raging climax. Finally, with apartheid being criticized internationally, with nations putting economic sanctions on them, and more riots by African organizations, the government's apartheid policies began to unravel. In a historic and memorable day in 1992, the new president, F. W. de Klerk, announced an official end to apartheid and released Nelson Mandela from prison. This day had been long awaited and much earned. The South African organizations had played a key role in protesting, and eventually the downfall of the apartheid policies. These groups still exist today and are influential in South Africa's politics. With the inauguration of Nelson Mandela as president in 1994, South Africa had experienced a complete turnaround from racial inequality. The end of apartheid

Infection prevention and control of infections Essay Essays

Infection prevention and control of infections Essay Essays Infection prevention and control of infections Essay Essay Infection prevention and control of infections Essay Essay Understanding functions and duties An employee must keep a high criterion of personal hygiene and besides wellness. They should be cognizant of the company policies and processs when it comes to infection control and follow the best pattern in bar. The working environment demands to be kept clean and hygienic. Any hazards should be reported to the employer. Keep all preparation in infection control and bar up to day of the month. An employer should take a firm stand that all Torahs and ordinances in the workplace are followed. Hazard appraisals are needed so as to place and understate the impact of infection jeopardies. Company policies and processs need to be out lined and put in topographic point. The employer must supply equipment to forestall and command infection. Any relevant information about infection jeopardies and bar and control methods need to be given to the employees. Training and supervising of all facets of infection and control demands to be given. Records need to be kept associating to infection bar and control. Understanding statute law and policiesHealth and Safety at Work Act 1974 – Sets criterions to forestall infection go oning and distributing Public Health Act – Sets criterions for H2O supply. sanitation and rubbish disposal Food Safety Act 1990 – Sets criterions associating to nutrient production and ingestion Environmental Protection Act 1990 – Ensures safe direction of controlled waste Management of Health and Safety at Work Act 1999 – Risk appraisals introduced Personal Protective Equipment at Work Regulations 1992 – Employers must provide and employees must utilize appropriate protective apparels and equipment Food safety Regulations – The safe hygiene patterns to forestall pathogen taint during storage and handling of nutrient Coverage of. Injuries. Diseases and Dangerous Occurrences 1995 – Any infection caused by bodily fluids and extremely infective diseases are reported The Control of Substances Hazardous to Health †“ Regulates storage and usage of chemicals that pose a danger. All work topographic points need to provide employees with entree to COSHH information Hazardous Waste Regulations 2005 – About sharps and clinical waste disposal which could present an infection jeopardy Code of Practice for the Prevention and Control of Healthcare Associated Infection Regulation 12. 2010 – Concerns ways to cut down the incidence of HCAI Understanding systems and processs Food Hygiene – To forestall cross-contamination and cross-infection peculiar attending needs paying to. Personal Hygiene – Keep hands clean. wear PPE and make non work if ailing Kitchen and dining countries – Keep cookery equipment and surfaces clean Food safety patterns – thorough melt and warming of nutrient. right storage. fixing comestible natural nutrients individually to avoid taint Disposal of Waste – Waste merchandises provide a perfect environment for pathogens and distributing infection. Rubbish left puting about can besides pull vermin which can transport diseases. Disposal of waste depends on: The type of waste The hazard the waste may present to peopleThe hazard the waste may present to the environment Disposal of Sharps – Sharps whether they are scalpels. acerate leafs or razors may be contaminated with harmful pathogens such as Hepatitis B and C or HIV and can be transmitted into a individuals blood watercourse via a crisp hurt. When covering with sharps you should: Take disposal container to the sharps and non the other manner unit of ammunition Never fill the disposal box above the indicated grade Avoid go throughing points straight from manus to manus and maintain handling to a lower limit. Do non flex. interrupt or replace capsReport all incidents in line with RIDDOR Decontamination processs – there are three degrees.Clean utilizing soap to take surface soil and smell.Disinfect utilizing chemicals to kill pathogens.Sterilise to take all pathogens and the home ground they live in. Cleaning policy- all work topographic points must hold a cleansing policy which provides counsel of how to utilize equipment. modus operandis and how chemicals should be used and stored. Specific processs should be outlined to cover with spillages of blood. piss. fecal matters and puke: Spillages must be dealt with instantly An immediate hazard appraisal is needed in instance the country needs cordoning off Relevant equipment should be used to clean the spillageUse appropriate PPETry to forestall the spillage from distributingUse paper towels to absorb the spillageDispose of rightClean country with germicideOnce cleaning undertakings are done. thoroughly wash custodies Laundry processs – soiled linen can be a beginning of taint. Therefore: Wear PPE while managing soiled washTopographic point soiled wash in right bagMinimise transporting soiled wash by utilizing bag at bedsideFlush solid fecal matters down the lavatory Understanding the importance of hazard appraisal in relation to the bar and control of infections Hazard – the opportunity of something traveling incorrect: the danger that hurt. loss or harm may happen Potential hazards of infection within the work topographic pointWork environment hazards. locations and stuffs:KitchenDining countryBathroomShowerToiletCommunal equipmentReclaimable equipmentSoiled wash Work activity infection hazards:Fixing and functioning nutrientCaring for persons with infectionsSupplying personal attentionDisposing of wastePull offing soiled wash Hazard appraisalIdentify infection jeopardies – Areas where pathogens thriveWho is at hazard and why – Identify vulnerable peopleEvaluate infection hazard and manner to cut down it – can the infection be reduced or wiped out Record findings – Log and portion consequences and implement a scheme Review – Check on a regular basis and update schemes The importance of transporting out a hazard appraisal is cardinal to supplying infection free work environments and working patterns in wellness and societal attention scenes. Understanding the importance of utilizing Personal Protective Equipment in the bar and control of infection Different types and grounds of PPE are:Aprons to cover apparels or uniform ( made from plastic ) . protect from organic structure fluids Plastic or latex baseball mitts to protect the manus and nails which ism the chief manner pathogens are transmitted Paper masks to cover the oral cavity and nose which can be a beginning of pathogens Cloth or paper gowns provide screen for the whole organic structure Plastic over places are worn over normal places to forestall external pathogens being brought in Paper hair screen to forestall isolated hairs get awaying Plastic goggles which can be worn over spectacless and cover the eyes The Personal Protective Equipment at Work Regulations set out employers duties to the work topographic point and work force and the company uses these ordinances to supply their ain policy. An employer must:Supply appropriate PPEShop and keep PPE rightProvide preparation and notices about PPECarry out hazard appraisals to make up ones mind appropriate PPEMake certain PPE is used decently An employee must:Use PPE at appropriate timesReport if stocks are low or faultyFollow instructions and go to preparation SessionssFollow and carry out hazard appraisals for appropriate PPENot cut corners and use PPE on all appropriate occasionsDispose of PPE right Prior to using baseball mitts and aprons custodies need to be washed. PPE must be put on before the process is started. PPE need altering between different attention undertakings for the same client and ever utilize new PPE for different clients. After every process is complete the PPE should be removed carefully so as custodies or apparels do non hold any contact with any polluting substances on the PPE. PPE are to be disposed of every bit clinical waste. Avoid touching the bin. a pes pedal to be used if possible. After disposal wash custodies with soap and H2O. Understanding the importance of good personal hygiene in the bar and control of infections The cardinal rules of good hygiene are: Bathing and lavishing – making this regularly prevents the spread of bacteriums and reduces body odour Hair attention – regular lavation prevents the spread of bacteriums. Long hair should be tied back and maintain checking for infestations of caput lice. Oral hygiene – It is of import to brush dentitions after repasts or smoke and sing the tooth doctor every six months will forestall the physique up of bacteriums and cut down bad breath. Clean apparels – apparels should be changed daily. Uniforms need to be made of difficult have oning stuff that can be washed at high temperature to take pathogens. Stoping bad wonts:Touch of the oral cavity. nose and ears which are paths for infection Sneezing and coughing without covering the oral cavity. non disposing of tissues right and non rinsing custodies afterwards Nail biting can give you sores and hazards distributing infection Smoking can do coughing and besides involves seting your manus to your oral cavity. Taking attention of your wellness can avoid and battle of infection. A good diet helps to maintain your encephalon and organic structure working good. Intake of fluids helps to blush out toxic wastes. Sleep helps to review and regenerate your organic structure. If ailing so you should non travel to work and this will forestall the spread of infection. The right sequence for manus lavation:Make certain sink and lights-outs cleanCheck that there is soap. paper towels or manus desiccantRemove jewelryRoll up armsRun H2O to a warm temperatureWet hands exhaustivelySoap hands exhaustivelyRub hands smartly together for at least 10 seconds paying peculiar attending to in between the fingers. the tips and the pollex Rinse hands exhaustivelyDry hands exhaustively sooner with a manus drier or paper towels which should be disposed of without touching the bin Handss should be washed:If dirty or gluey – to take soilAfter utilizing the lavatory or touching the oral cavity or nose – pathogens are in bodily fluids and necessitate to be removed Before and after contact with a client – to protect each other from pathogens Between different attention activities for the same client – some activities are cleaner than others and it will halt cross-contamination Before utilizing and taking disposable baseball mitts – baseball mitts are merely to be used for higher hazard activities After contact with organic structure fluids – so as to free any pathogens Before and after managing. cookery. helping and eating nutrient – nutrient is a good pathogen bearer. Eating is a good path to infection After cleaning undertakings – to take any taintAfter managing rubbish or laundry – to take pathogensAfter feeding and managing pets – Animals carry pathogens which can be harmful to worlds Hand rinsing merchandises – soap based where there is a lower hazard of infection and antimicrobic merchandises for usage in high hazard countries. It is besides acceptable to utilize an intoxicant based manus hang-up where running H2O is non available. Skin attention – cleaning merchandises that are soft to the tegument are best and besides the usage of hypo-allergenic disposable baseball mitts. If any allergic reactions occur. delight contact GP.