Apophasis in Rhetoric

Apophasis in Rhetoric Apophasis is a rhetorical term for the mention of something in disclaiming intention of mentioning itor pretending to deny what is really affirmed. Adjective: apophatic or apophantic. Also called denial or omission.  Similar to paralepsis and praeteritio. The Oxford English Dictionary defines apophasis by quoting John Smiths The Mysterie of Rhetorique Unvaild (1657): a kind of Irony, whereby we deny that we say or doe that which we especially say or doe. Bryan Garner notes that  [s]everal set phrases in our language signal  apophasis, such as not to mention, to say nothing of, and it goes without saying (Garners Modern English Usage, 2016).   Etymology:  From the Greek, denial Pronunciation:  ah-POF-ah-sis Examples Jeff FisherWe dont make excuses, but three of our four starting defensive linemen were watching the game today.Michele BachmannI find it interesting that it was back in the 1970s that the swine flu broke out then under another Democrat president, Jimmy Carter. And I’m not blaming this on President Obama. I just think it’s an interesting coincidence.Jacob V. LamarAt a White House press conference, a reporter working for a journal published by Extremist Lyndon LaRouche asked the President about rumors that Michael Dukakis once sought psychological help. Look, [President] Reagan replied with a smile, Im not going to pick on an invalid.Richard M. NixonLet me say, incidentally, that my opponent, my opposite number for the Vice Presidency on the Democratic ticket, does have his wife on the payroll and has had ither on his payroll for the ten yearsfor the past ten years. Now just let me say this: Thats his business, and Im not critical of him for doing that. You will have to p ass judgment on that particular point. San Fernando RedIm not going to throw mud at my opponent because hes a fine man. And his wife is a mighty fine woman. Mighty fine. What he sees in that dame hes running around with...The GuardianMary Matlin, the Bush campaigns political director, made the point with ruthless venom at a press briefing in Washington, saying, The larger issue is that Clinton is evasive and slick. We have never said to the press that he is a philandering, pot-smoking, draft-dodger. Theres nothing nefarious or subliminal going on.Robert Downey Jr., Iron Man 2Im not saying Im responsible for this countrys longest run of uninterrupted peace in 35 years! Im not saying that from the ashes of captivity, never has a phoenix metaphor been more personified! Im not saying Uncle Sam can kick back on a lawn chair, sipping on an iced tea, because I havent come across anyone man enough to go toe to toe with me on my best day! Its not about me.John MiltonI shall ignore the fact that Learning is youths finest ornament, the strong support of the prime of life, and the consolation of old age. I shall make no point of the fact that, after careers full of achievement and glory, many of the men who have been most honored by their contemporaries and many of the most eminent of the Romans withdrew from the conflict and hurly-burly of ambition to literary studies, as to a harbor and a delightful treat. Mayor Massimo CacciariIts not my habit to comment on books that dont interest me or, for various reasons, I dont like.Geoff DyerSo even though you’ve seen fit to wash your dirty linen in public like this, shorty, I will refrain from mentioning that it wasn’t me who turned up at the Islington Tennis Centre wearing a Rastafarian headband. 15–0! I also won’t sink low enough to point out that while I may have been the crappiest player of this quartet, my game would presumably have gotten off to a better start if, like you and Byng, I’d lived in a stately home with a tennis court in the back garden. 30–0! Byng: I’ll forget that you still owe me for your share of the indoor-court fee for that game on January  20, 2013. 40–0! As for Ardu, the world is better off not knowing about those famously dodgy line calls. Game, set, and match! Thomas Gibbons and Cicero on Apophasis Thomas GibbonsApophasis, or denial, is a Figure by which an Orator pretends to conceal or omit what he really and in fact declares.Cicero gives us a definition of this Figure, and furnishes us at the same time with instances of it in the following passage: Omission, says he, is when we say we pass over, or do not know, or will not mention, that which we declare with the utmost force. As in this manner: I might speak concerning your youth, which you have spent in the most abandoned profligacy, if I apprehended this was a proper season, but I now purposely wave it. I pass by the report of the Tribunes, who declared that you was [sic] defective in your military duty. The affair about the satisfaction concerning the injuries you had done to Labeo does not belong to the matter at hand: I say nothing of these things; I return to the subject of our present debate. . . .

NaNoWriMo †What It Is and Why You Should Join In

NaNoWriMo – What It Is and Why You Should Join In NaNoWriMo – What It Is and Why You Should Join In NaNoWriMo – What It Is and Why You Should Join In By Ali Hale If you’re an aspiring novelist, but have yet to write your masterpiece, you might want to consider joining in with NaNoWriMo. Say what? NaNoWriMo is short for â€Å"National Novel Writing Month† (though, technically, it’s international). Every November, writers around the world join in a fiction-writing frenzy, aiming to produce a 50,000 word novel in just 30 days. This year is the tenth NaNoWriMo, so it’s a great time to get on board if you’ve always wanted to write a novel, but have never quite got around to it. Are you up for the challenge? You can find out everything you could possibly want to know on the NaNoWriMo website, but here’s the quick run-down for those of you who’re in a hurry†¦ How it Works The rules are pretty straightforward. The basics are that: You shouldn’t start your novel before November 1st You can send your novel to the site (it’s not stored anywhere or read, don’t worry) for word count validation You can’t collaborate with someone else to produce the 50,000 words – but if you get your friends involved writing their own novels, that’s great! You can write your novel on a computer or with pen and paper, but you obviously won’t be able to validate the wordcount if you’re using pen and paper†¦ You need to be over 13 to register on the NaNoWriMo site. Under 18s (including kids under 13) can register for the Young Writers’ version. Facts and Figures 50,000 words in 30 days is 1,667 words a day. If you look at it like that, it’s a challenging but achievable target. Depending on how fast you write, that’s probably 1 – 2 hours work. Last year, over 100,000 people signed up†¦ †¦and 15,000 â€Å"won† by completing 50,000 words by midnight on November 30th. Ali’s Tips I did NaNoWriMo last year, along with my boyfriend Paul and our mutual friend Nick. We all â€Å"won† by completing our novels by the end of the month. (Though I was the first to reach the 50,000 word target†¦) It was a great experience, and I did try to finish and redraft my novel earlier this year, but eventually decided it was better seen as â€Å"practice† than a piece that would be worth further work. I’d definitely recommend: Buy and read the excellent book No Plot? No Problem! by the founder of NaNoWriMo, Chris Baty it’s a great guide to writing a book in a month, and it’s also incredibly funny. Get a partner, housemate or friend involved. It especially helps if the people who live with you understand why â€Å"making today’s wordcount† is more important than cooking dinner†¦ Competing against your friends and loved ones will really spur you on through the tough spots. Don’t worry about the quality of your writing, just focus on getting to that 50,000 word target. (NaNoWriMo is not the best time to work on that wonderful idea you’ve been brooding over for years – try picking something new. If you care about it too much, you’ll get over-perfectionist.) Get as far ahead as you can in the first week †¦ it’s awful playing catch-up later on. If you have a full-time job, try getting up early to write before work (my tactic) or writing through your lunch-hour (Nick’s tactic); it’s a lot easier than trying to pound out words in the evening when you’re tired. If you’re a student, try writing in your library (Paul’s tactic); you won’t have distractions like TV, computer games and the fridge nearby†¦ Finishing a novel is a fantastic feeling †¦ and it’s something that most people in the world will never do, even those who want to be writers. NaNoWriMo 2018 update We are getting close to this great month again. If youre going to participate, I recommend that you take a look at a post from the Reedsy guys with 41 tips to win it. Have you ever done NaNoWriMo? How did you get on? Will you be taking part this year? Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Fiction Writing category, check our popular posts, or choose a related post below:45 Synonyms for â€Å"Food†Social vs. SocietalThe Difference Between "Un-" and "Dis-"

Nursing Children and Childbearing Families Essay

Nursing Children and Childbearing Families - Essay Example Q1d: The use of folic acid during pregnancy can help reduce the risk of developing neural tube defects (NTDs) in the baby by 75% (Atrash, Johnson, Adams, Cordero, & Howse, 2006). Since NTDs occur between the 20th to 28th day after conception, and it takes time for adequate stores of folic acid to build up in the body and a large proportion of pregnancies are unplanned, folic acid supplementation should begin atleast 4 weeks prior to a planned pregnancy (Iqbal, 2000; Jaquier, 2007; Czeizel & Dudas, 1992). Q2a: Some important functions of the placenta include gaseous exchange, excretion, provision of nutrients and metabolic substrates for the fetus and endocrine functions, i.e. production and secretion of several hormones (Benirschke & Kaufmann, 2000). Q2b: One of the most important functions of the human placenta is gaseous exchange, i.e. to serve as the lungs for the fetus. The placenta transfers oxygen-rich blood from the mother to the fetus and returns blood high in carbondioxide a nd other gases back to the mother’s body where it can be re-oxygenated via the mother’s lungs. ... The placenta also facilitates the transfer of all nutrient substances from the maternal body to the fetus which are required during growth and development (Benirschke & Kaufmann, 2000). Lastly, the placenta is involved in the production and secretion of several hormones such as hCG (human chorionic gonadotropin), hPL (human placental lactogen) and placental GH (growth hormone), all of which are required not only for the sustained maintenance of the placenta but also to provide the required stimuli for the growth and maturation of different organ systems within the fetus (Guibourdenche, Fournier, Malassine, & Evain-Brion, 2009). Q3a: For the newborn, breast milk is the source of all the essential nutrients required for the optimal growth and nutrition, including proteins, carbohydrates and fats (Henderson & Scobbie, 2006). Moreover, all these nutrients are present in the correct proportions and quantities needed for the baby during different stages of growth and development as the com position of breast milk changes over time. Breastfeeding also confers protection against a variety of infectious diseases such as diarrhea, respiratory infections, otitis media and urinary tract infections (Henderson & Scobbie, 2006). Breastfeeding is advantageous for the mother too. It has been found to help in the involution of the uterus post-delivery via stimulating oxytocin medicated uterine contractions (Henderson & Scobbie, 2006). It also acts as a natural contraceptive, helping to increase child spacing via causing lactational amenorrhea. From a psychological perspective, breastfeeding has been shown to decrease the levels of anxiety in the mother and

Nursing Essay Example | Topics and Well Written Essays - 500 words - 12

Nursing - Essay Example Notably, nursing practice entails numerous responsibilities and workers need time for adequate rest because of the nature of the job. Moreover, there is a need for a proper compensation for the services in terms of a decent pay (Snow, 2008). However, my current employer does not seem to realize that the organization has not considered salary increment for over 6 years now. During this period, the responsibilities accorded to workers have increased immensely. With many workers expressing their discontent concerning the poor labor practices, there is a need to address the issue promptly. This paper will describe the most appropriate approach to solving the problem. The best approach for addressing the ensuing problem of being overworked and underpaid is by tabling down an outline of all the grievances of the nurses at the health center. In this outline, the nurses will indicate the number of hours they put in on a daily basis, the numerous tasks they are expected to handle each day, and outline the pay they receive for such work. In addition to such an outline, the nurses will also indicate the number of additional staff required to take up some of the responsibilities in an effort to ease the overworking (Snow, 2008). The outline will also indicate the expected pay, compensation, and benefits that each nurse deserves for the work they do. In an effort to ascertain that being overworked and underpaid is a threat to the performance of the health center, the nurses will describe the negative effects resulting from the poor labor practices. There is evidence that many of the nurses are suffering from depression due to work related causes. In addi tion, the nurses are discouraged, and they have been registering numerous eras in their work because of the depression and lack of motivation (‘US nurses overworked, underpaid-and in demand’, 2012). Moreover, the outline presented will also indicate

Assess the strengths and weaknesses of Rational choice theory(RCT) as Essay

Assess the strengths and weaknesses of Rational choice theory(RCT) as an analytic framework for politics and IR - Essay Example Becker was the first to develop the theory and applied rational actor models in economic widely. According to Rational action theory, when there are several course of action to carry out a task, an individual will choose the one which he thinks is most likely to be the best rewarding (Ogu, 2013). This paper will focus on application of RCT in paradigm of Politics and International Relation, with its benefits and drawbacks. In politics and economics, competition has been the main drive for greater power for scarce resources. Semblance of politics and economics and, unravelled nature of relationship between economic and political competition of goods in former case and for power and privilege in the later, has made the theorist to apply economic methods in the study of politics. Some researches show that individuals or representatives in economic and political paradigm acts in the same manner on overall value scale while taking part in market of political activity. In this way, the research shows that the voters are inherently the same as costumers because the same individual is a voter and a customer simultaneously (Tullock, 2006). Since its development by Becker, the rational choice theory came along way and stormed the field of political science. It is because of two important advantages which rational choice theory possesses over its rival theories that are; first, the theory possesses immense analytical advantage. Then, secondly, it is not a mere theory, rather a technique to develop theories. Although, it work with certain other theories, however, it explains the behaviour of political actors while making selection from a certain set of options in order to get their goal with minimal input. Briefly, it illustrates the fashions and ways in which people behave when provided with choices. Similarly, this theory entails the behaviour explicitly depicted by the

Icici Bank Is The Second Largest Bank Marketing Essay

Icici Bank Is The Second Largest Bank Marketing Essay In my term paper I had to discuss 7ps of ICICI bank. 7ps means what the marketing mix they used for promoting their products. It is usually a strategies used by icici bank for promoting their products, or we can say that for promoting their sales. As we know ICICI (Industrial Credit and Investment Corporation of India) is largest private sector bank by market capitalization and second largest overall in term off assets. The growth of the ICICI over the years has proved repeatedly the ability of the institution in adopting new technologies and products. It is through its ability to nourish new products and services that the institution has become a household name in a very short span of time.  ICICI Bank decided to target Indias burgeoning middle class and corporates by offering a high level of customer service and efficiency that rivaled the foreign banks, on a much larger scale, at a lower cost. ICICI offer very services which is very good in comparison to other banks. Credit cards services of ICICI bank are also very good as comparison of other banks. In my term paper I also compare ICICI with HDFC and AXIS bank. INTRODUCTION TO ICICI BANK: ICICI Bank  (Industrial Credit and Investment Corporation of India) is  Indias largest  private sector  bank  by market capitalisation  and second largest overall in terms of assets. Total assets of Rs. 3,562.28 billion (US$ 77 billion) at December 31, 2009 and profit after tax Rs. 30.19 billion (US$ 648.8 million) for the nine months ended December 31, 2009. The Bank also has a network of 1,700+ branches (as on 31 March, 2010) and about 4,721 ATMs in India and presence in 18 countries, as well as some 24 million customers (at the end of July 2007). ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and specialised subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. ICICI Bank is also the largest issuer of credit cards in India. ICICI Bank has got its equity shares listed on the stock exchanges at  Kolkata  and  Vadodara,  Mumbai  and the  National Stock Exchange of India Limited, and its  ADRs  on the  New York Stock Exchange  (NYSE). The Bank is expanding in overseas markets and has the largest international balance sheet among Indian banks. ICICI Bank now has wholly-owned subsidiaries, branches and representatives offices in 18 countries, including an offshore unit in Mumbai. This includes wholly owned subsidiaries in Canada, Russia and the UK, offshore banking units in Bahrain and Singapore, an advisory branch in Dubai, branches in Belgium, Hong Kong and Sri Lanka, and representative offices in Bangladesh, China, Malaysia, Indonesia, South Africa, Thailand, the United Arab Emirates and USA. Overseas, the Bank is targeting the NRI (Non-Resident Indian) population in particular. ICICI reported a 1.15% rise in net profit to Rs. 1,014.21 crore on a 1.29% increase in total income to Rs. 9,712.31 crore in Q2 September 2008 over Q2 September 2007. The banks current and savings account (CASA) ratio increased to 30% in 2008 from 25% in 2007. Sensing an untapped opportunity, ICICI Bank decided to target Indias burgeoning middle class and corporates by offering a high level of customer service and efficiency that rivalled the foreign banks, on a much larger scale, at a lower cost. ICICI has around 27 subsidiaries. Of course, the most prominent and most successful among them is the ICICI bank.ICICI Bank is one of the  Big Four Banks  of India with  State Bank of India,  Axis Bank  and  HDFC Bank. 7 PS OF ICICI BANK PRODUCT MIX 1. DEPOSITS ICICI Bank offers wide variety of Deposit Products to suit our requirements. Coupled with convenience of networked branches/ over 1800 ATMs and facility of E-channels like Internet and Mobile Banking, ICICI Bank brings banking at your doorstep. Savings Account: ICICI Bank offers a power packed Savings Account with a host of convenient features and banking channels to transact through. Senior Citizen Services: The Senior Citizen Services from ICICI Bank has several advantages that are tailored to bring more convenience and enjoyment in your life. Young Stars: Its really important to help children learn the value of finances and money management at an early age. Banking is a serious business, but we make banking a pleasure and at the same time children learn how to manage their personal finances. Fixed Deposits: Safety, Flexibility, Liquidity and Returns!!!! A combination of unbeatable features of the Fixed Deposit from ICICI Bank. Recurring Deposits: Through ICICI Bank Recurring Deposit you can invest small amounts of money every month that ends up with a large saving on maturity. So you enjoy twin advantages- affordability and higher earnings. Roaming Current Account: Only Roaming Current Account from ICICI Bank travels the distance with your business. You can access your accounts at over 500 networked branches across the country. Bank @ Campus: Thanks to [emailprotected], child can now surf the Net and access all the details of his / her account at the click of a mouse! No need to visit the bank branch at all. ICICI Bank Salary Account: is a benefit-rich payroll account for Employers and Employees. As an organization, you can opt for our Salary Accounts to enable easy disbursements of salaries and enjoy numerous other benefits too. 2. INVESTMENTS Along with Deposit products and Loan offerings, ICICI Bank assists you to manage your finances by providing various investment options such as: ICICI Bank Tax Saving Bonds Government of India Bonds Investment in Mutual Funds Initial Public Offers by Corporate Investment in Pure Gold Foreign Exchange Services Senior Citizens Savings Scheme, 2004 3. ANYWHERE BANKING ICICI Bank is the second largest bank in the country. It services a customer base of more than 5 million customer accounts through a multi-channel access network. This includes more than 500 branches and extension counters, over 1800 ATMs, Call Centre and Internet Banking. Thus, one can access the various services ICICI Bank has to offer at anytime, anywhere and from anyplace. 4. LOAN a) Home Loans b) Personal Loans c) Car Loans d) Two Wheeler Loans e) Commercial Vehicle Loans f) Loans against Securities g) Farm Equipment Loans h) Construction Equipment Loans i) Office Equipment Loans j) Medical Equipment Loans 5. CARDS a) Credit Card b) Debit cum ATM Card c) Travel Card d) VBV (VERIFY BY VISA): Verified by Visa (VBV)  is a new service from VISA that lets us shop securely online with our existing Visa  Credit card. Usable only on Verified by Visa sites, this service through a simple checkout process, confirms our identity when we make purchases. e) Master Card Securecode: MasterCard ®Ã‚  SecureCodeà ¢Ã¢â‚¬Å¾Ã‚ ¢Ã‚  is an easy to use, secured online payment service from ICICI Bank that lets you shop securely online with your existing ICICI Bank MasterCard ®Ã‚  Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet. f) American express card: With ICICI Bank American Express Credit Card just shop online as you normally would and then enter your correct card information and billing address. We would validate the billing address that we provide with our records and authenticate our transaction. Its that simple and helps in safeguarding our online transaction.If we are unsure what is our billing address on record with us, simply call our 24-hour Customer Care numbers given on the back of the card for a quick check. 6. DEMAT SERVICES ICICI Bank Demat Services boasts of an ever-growing customer base of over 7 lacs account holders. In their continuous endeavor to offer best of the class services to our customers we offer the following features: Digitally signed transaction statement by e-mail. Corporate benefit tracking. e-Instruction facility facility to transfer securities 24 hours a day, 7 days a week through Internet Interactive Voice Response (IVR) at a lower cost. Dedicated specially trained customer care executives at their call centre, to handle all queries. 7. MOBILE BANKING With ICICI Bank, banking is no longer what it used to be. ICICI Bank offers Mobile Banking facility to all its Bank, Credit Card and Demat customers. ICICI Bank Mobile Banking enables you to bank while being on the move. 8. NRI SERVICES ONLINE MONEY TRANSFER facility available to NRIs worldwide through www.money2India.com at the click of a button! Benefits: FREE Money transfers into accounts with over 30 banks in India Demand Drafts issued and payable at over 1250 locations in India ONLINE Tracking of the status of your funds SUPERIOR Exchange rates OFFLINE MONEY TRANSFER facility is also available across geographies through our local branches and in association with partner banks/ exchange houses. PRICING MIX The pricing decisions or the decisions related to interest and fee or commission charged by ICICI are found instrumental in motivating or influencing the target market. The RBI and the IBA are concerned with regulations. The rate of interest is regulated by the RBI and other charges are controlled by IBA. The pricing policy of a bank is considered important for raising the number of customers vis-à  -vis the accretion of deposits. Also the quality of service provided has direct relationship with the fees charged. Thus while deciding the price mix customer services rank the top position. The ICICI bank has to frame two- fold strategies. First, the strategy is concerned with interest and fee charged and the second strategy is related to the interest paid. Since both the strategies throw a vice- versa impact, it is important that ICICI bank attempt to establish a correlation between two. It is essential that both the buyers as well as the sellers have feeling of winning. Pricing ICICI Bank Products Starts With Three Basic Questions. 1. What rate does the bank need to meet its financial objectives? The answer is, it depends. Some considerations for loan and deposit pricing are: ROA or ROE objectives Related income taxes Earning assets to total assets Equity-to-asset ratio Cost to service earning assets being funded or deposits funding an earning asset Pricing for the activities and risks associated with the product Rate tiers based on product balances Asset and liability mix Another element to consider in the pricing of earning assets is the risk of loss. Most notably, this is relevant in loan pricing. Many banks assign a risk weighting to individual loans over a certain size or based on loan type and assign a credit risk charge based on those ratings. Customer relationships are difficult to assign a value to in the pricing process. Customers will generally press for some price concessions in consideration of other relationships they have with the bank. Asset and liability mix also impacts pricing results. Generally speaking, banks operating with higher loan-to-asset ratios are able to afford to pay more for deposits. Likewise, banks can afford to be more competitive on certain deposit products if they have fewer maturities in a particular timeframe or less total outstanding balances in a product line. 2. What is the market rate for the core product? Customers have more distribution channels available to them today than at any other point in history. In the past 10 years, the number of bank locations has increased 20%. Of course, there are the mortgage bankers, the Internet, and a host of other financial service providers competing for your customers loan and deposit business. The point is, the competitive marketplace always ensures that if a financial institution is charging too much for loans or paying too little for deposits, its share of the market will likely dwindle as existing and prospective customers find alternative providers. You can do all the math you want to determine required pricing points, but if your pricing is uncompetitive, your market share will shrink. 3. What would the bank have to do to sales and operations to make its rates the most competitive in its market? Pricing is a key issue for the associates who sell bank products to your customers. The fact is, lenders want the lowest rates, and people dealing with depositors want to pay the highest rates. You need the right balance of fee income, strategies to reduce operating costs, and a healthy asset and liability mix to change your required pricing. PLACE This component of marketing mix is related to the offering of services. The services are sold through the branches. The 2 important decision making areas are: making available the promised services to the ultimate users and selecting a suitable place for bank branches. The number of branches OF ICICI: 1900 in India and 33 in Mumbai. What attract peoples for choosing ICICI? The selection of a suitable place for the establishment of a branch is significant with the view point of making place accessible. The safety and security provisions a Convenient to both the parties, such as the users and the bankers Infrastructure facility Near to station and located on s. v. road well crowded area. Market coverage PROMOTION MIX Advertising: Television, radio, movies, theatres Print media: hoardings, newspaper, magazines Publicity: road shows, campus visits, sandwich man, Sponsorship Sales promotion: gifts, discount and commission, incentives, etc. Personal selling: Cross-sale (selling at competitors place),personalized service Telemarketing: ICICI one source Call center (mind space) PROCESS Flow of activities: all the major activities of ICICI banks follow RBI guidelines. There has to be adherence to certain rules and principles in the banking operations. The activities have been segregated into various departments accordingly. Standardization: ICICI bank has got standardized procedures got typical transactions. In fact not only all the branches of a single-bank, but all the banks have some standardization in them. This is because of the rules they are subject to. Besides this, each of the banks has its standard forms, documentations etc. Standardization saves a lot of time behind individual transaction. Customization: There are specialty counters at each branch to deal with customers of a particular scheme. Besides this the customers can select their deposit period among the available alternatives. Number of steps: numbers of steps are usually specified and a specific pattern is followed to minimize time taken. Simplicity: in ICICI banks various functions are segregated. Separate counters exist with clear indication. Thus a customer wanting to deposit money goes to deposits counter and does not mingle elsewhere. This makes procedures not only simple but consume less time. Besides instruction boards in national boards in national and regional language help the customers further. Customer involvement: ATM does not involve any bank employees. Besides, during usual bank transactions, there is definite customer involvement at some or the other place because of the money matters and signature requires. PHYSICAL EVIDENCES Physical evidence is the material part of a service. Strictly speaking there are no physical attributes to a service, so a consumer tends to rely on material cues. There are many examples of physical evidence, including some of the following: Internet/web pages Paperwork Brochures Furnishings Business cards The building itself (such as prestigious offices or scenic headquarters) The physical evidences also include signage, reports, punch lines, other tangibles, employees dress code etc. Signage: each and every bank has its logo by which a person can identify the company. Thus such signages are significant for creating visualization and corporate identity. Financial reports: The Companys financial reports are issued to the customers to emphasis or credibility. Tangibles: bank gives pens, writing pads to the internal customers. Even the passbooks, chequebooks, etc reduce the inherent intangibility of services. Punch lines: punch lines or the corporate statement depict the philosophy and attitude of the bank. Banks have influential punch lines to attract the customers. Employees dress code: ICICI bank follows a dress code for their internal customers. This helps the customers to feel the ease and comfort. THE PEOPLE All people directly or indirectly involved in the consumption of banking services are an important part of the extended marketing mix. Knowledge Workers, Employees, Management and other Consumers often add significant value to the total product or service offering. It is the employees of a bank which represent the organisation to its customers. In a bank organization, employees are essentially the contact personnel with customer. Therefore, an employee plays an important role in the marketing operations of a service organisation. To realize its potential in bank marketing, ICICI become conscious in its potential in internal marketing the attraction, development, motivation and retention of qualified employee-customers through need meeting job-products. Internal marketing paves way for external marketing of services. In internal marketing a variety of activities are used internally in an active, marketing like manner and in a coordinated way. The starting point in internal marketing is that the employees are the first internal market for the organization. The basic objective of internal marketing is to develop motivated and customer conscious employees. A service company can be only as good as its people. A service is a performance and it is usually difficult to separate the performance from the people. If the people dont meet customers expectations, then neither does the service. Therefore, investing in people quality in service business means investing in product quality. COMPARISON OF ICICI WITH OTHER BANKS: ICICI bank market capitalization is more then other banks. It has market capitalization is 105,709.63 cr, while HDFC is 91,326.65 cr and AXIS bank is 91,326.65 cr. ICICI has net interest income is 25,706.93 cr, which is higher then other banks. While net interest income of HDFC is 16,172.91 cr and AXIS bank is 11,638.02 cr. Net profit of ICICI bank is 4,024.98 cr, which is again higher then other banks. While net profit of HDFC is 2,948.69 cr and AXIS bank net profit is 2,514.53 cr. Total assets of ICICI bank are 379,300.96 cr, which is higher then other banks. While total assets of HDFC bank is 183,270.78 cr and total assets of AXIS bank is 147,722.06 cr. ICICI banks headquarters in Mumbai is vary huge, then other bank headquarters. In the past two years, the bank has spent Rs 185 crore on advertising and publicity (In comparison, HDFC has spent Rs 100 crore). HDFC Banks retail deposits are about Rs 23,000 crore (Rs 230 billion). Even in home loans, ICICI Bank commands 30 per cent of the market, having eaten into housing finance pioneer, HDFCs share. ICICI Bank has issued 3 million credit cards that is more than twice the number of HDFC Banks credit card users. However, industry observers point out that ICICI Banks effective users for credit cards may not be high. As a result of its perceptive branch strategy, ICICI Bank has acquired more than five million internet, mobile and telephone banking customers, i.e. much greater then HDFC and AXIS bank. ICICI strategy for promotion of financial inclusion: ICICI Bank has taken up specific initiatives to ramp up financial literacy as well as intermediation to the underserved and under banked segments in both rural and urban areas. ICICI Banks financial intermediation models, both through the microfinance institutions and business correspondents have been designed to build a repository of information with regard to financial behaviour of the customers. ICICI Banks Financial Intermediation Models: With focus on low-income segments, ICICI Bank has come up with innovative delivery channels: Microfinance ICICI Bank works closely with MFIs and NGOs to adapt its products to suit consumer needs. Two innovative models have helped achieve scale in serving the low-income household: a) Partnership Model being implemented with NGOs and MFIs: Under this model ICICI Bank forges an alliance with existing MFIs wherein the MFI undertakes the promotional role of identifying, training and promoting the micro-finance clients and the ICICI Bank finances the clients directly on the recommendation of the MFI, so the customer and portfolio resides in the Banks book. b) Securitisation of Portfolios of MFIs: Under this model ICICI Bank buys out portfolios from MFIs. The MFI continues to service the clients and acts as the collection agent. Here again, the MFI shares the credit risk with the Bank. A variant of the securitisation model is on-tap securitisation, wherein the MFI receives an advance purchase consideration to create a portfolio of loans that could then be periodically sold to ICICI Bank. Technology The Bank has been actively looking at technology solutions to scale up the micro finance portfolio. Further, the Bank has been considering adopting a Core Banking System (CBS) for managing the loan portfolio generated under the partnership model. In this regard, the Bank has found an able partner in FINO to provide technology solutions to the micro finance sector. The technology solution comprises of core banking and smart card systems. In light of the technology solutions available through FINO, the Bank has designed a new process for delivering loans under the partnership model. Some of the key aspects where a strong technology platform will add value to the micro finance operations include reduction in transaction cost; better data management and reporting capacities and capability to interface with multiple peripherals, etc. This will also enable enhanced disclosure and transparency in the operations of MFIs, setting a platform for robust securitisation / buyout opportunities to meet the priority sector lending objectives of the regulator. Business Correspondent In line with the RBI guidelines ICICI Bank employs Business Correspondent (BC) model to extend financial services, especially the much-needed savings services to rural customers. In the pilot stage, the transactions by BC are being done with the help of an e-Passbook and an Authentication Device (AD). The e-Passbook can display and store the customer KYC information, customer account details and the transactions in each account. It also has a unique feature of biometric authentication by the way of fingerprints, thereby mitigating the risk related to PIN (Personal Identification Number) in the rural scenario. ADs provide Customer interface with user-friendly menu options, enabling transactions. An authorized operator is enrolled by capturing the fingerprints of all the 10 fingers to mitigate fraud risk, can operate each AD. The transaction is recorded on the AD, which at specific intervals would be uploaded and updated in the Banks system through a normal telephone line, which is a widely available infrastructure even in remote rural areas. Further connectivity through GSM and CDA would also be made possible to ensure that the transaction details are updated in the Banks system at higher frequency. Multiple products ICICI Bank offers a complete suite of products and services to meet the individual financial requirements of customer segments. Savings, investments and insurance products are made available to its rural and agri customer base. The Bank also offers microfinance services to low-income households and crop loans, farm equipment loans, commodity based loans to farmers. Hybrid channels ICICI Bank employs delivery channels backed by technological innovations to achieve scale and outreach in a sustainable manner. The Banks channel architecture includes branch and non-branch channels. Branches act as a business hub providing banking services on the one hand, while facilitating the fulfilment of products that have been sourced by the business facilitators and business correspondents. Non-branch channels are of two types, business facilitators and business correspondents.

Our Barbies, Ourselves Summary Essay -- essays research papers

Our Barbies, Ourselves Summary In an article in Interview Magazine, Emily Prager discuses her opinions of Mattel's toy doll Barbie being designed by Jack Ryan, husband to Zsa Zsa Gabor, and designer of military missiles. The concept that a doll for young girls was designed by such a person greatly shocked Prager." Suddenly a lot of things made sense to me" says Prager. The element that Ryan designed Barbie may explain some of the key aspects of the doll itself. Although Barbie was created as a toy for girls, the sexual nature of the doll suggests it was created for the pleasure of men and envy of women. Prager compares the figure of Barbie to the kind of women who would be seen in the Playboy mansion or be a frequent guest on explicit television shows. This is the image of a mans... Our Barbies, Ourselves Summary Essay -- essays research papers Our Barbies, Ourselves Summary In an article in Interview Magazine, Emily Prager discuses her opinions of Mattel's toy doll Barbie being designed by Jack Ryan, husband to Zsa Zsa Gabor, and designer of military missiles. The concept that a doll for young girls was designed by such a person greatly shocked Prager." Suddenly a lot of things made sense to me" says Prager. The element that Ryan designed Barbie may explain some of the key aspects of the doll itself. Although Barbie was created as a toy for girls, the sexual nature of the doll suggests it was created for the pleasure of men and envy of women. Prager compares the figure of Barbie to the kind of women who would be seen in the Playboy mansion or be a frequent guest on explicit television shows. This is the image of a mans...