Features of Twentieth Century Literature Essay Example for Free

Highlights of Twentieth Century Literature Essay twentieth century is the time of innovation in writing. twentieth centurys writing follows uniquely in contrast to the nineteenth century writing, as a result of significance given to introduction of human awareness and human brain science. As result new account procedures like impressionism and continuous flow has been presented, the reason for whom is to feature human observation. Impressionism has been embraced by numerous scholars, supplanting authenticity. twentieth century is a period of accentuation on inward reality, hence therapy and human brain science is a significant piece of writing. Experience is given basic help by, themes, legends, and equal topics. Disconnection and, loss of expectation in mankind are one of the notable subjects of present day writing. E. M. Forster, Joseph Conrad and James Joyce are three noticeable essayists of the twentieth century, who applied present day procedures and topics in their books. Human cognizance is a significant part of twentieth century novel. Human, contemplations, emotions and incitements are a lot of significant constituent of the century s fiction. Truth be told A Portrait of the Artist as a Young Man resembles somewhat universe of Stephens mind, which is a consequence of a developmental procedure. Ulysses can be known as the account of suspected existence of Stephen and Morgan inside one day. Continuous flow is an emanant procedure of twentieth century novel, utilized to clarify human musings, sentiments and incitements. Continuous flow portrays the progression of musings and sentiments in the brain without a grouping, at the end of the day in characteristic request.. Utilized just because by William James, Joyce gives new implications to it by utilizing in his books, A Portrait, Ulysses and Finnegans Wake . Joyce utilizes continuous flow method In Ulysses Mr Prince eats alone in a café . Joyce takes us to his psyche venture; an interior monolog here is the soup, the smoking soup. Be cautious that the server doesn't sprinkle me in A Portrait of the Artist as a Young Man Stephens stream of considerations is uncovered when he meets a man other than the scaffold. : it must be eleven he thought.. as he dismissed he heard a clock some place close to him he chuckled as he heard it as it made him consider Mac Cann. Seclusion is an apparent topic of twentieth century writing. Stephen in A Portrait of The Artist as a Young Man is separated from his reality. Stephen is a person who needs to break liberated from the boundaries of patriotism, religion and society. Stephen is standing separated from his colleagues and peers,but he separated from them and peacefully, recollected in what fear he stood Experience gets a basic help in present day writing, through equal topics and utilization of fantasies. Ulysses is composed corresponding to odyssey. A picture of the craftsman as a youngster has the legend of Daedulus utilized in it. In the composition of English fiction, the story procedure has moved from authenticity to another strategy for impressionism. The reason for impressionism is to lay weight on human discernment and information. It started from crafted by Walter Pater and Henry James to prosper in the possession of, James Joyce, among others. Impressionism is distinctive in A Portrait of the Artist as Young Man. Joyce utilizes impressionism in the epiphanic snapshot of Stephens life when he comes to realize that he can't subdue nature and in this way his characteristic tendencies. She appeared as though one whom enchantment had changed into the similarity of an unusual and wonderful seabird.. : Impressionism is additionally utilized in Joseph Conrads Heart of Darkness, which is an excursion from dimness to light for Marlowe. Subsequently he sees things, learns and gets information by deciphering things around him. Conrad utilizes impressionism for this procedure. .Close to a similar tree two additional groups of intense points sat with their legs drawn up his sibling apparition rested his temple.. Dominion and colonization is one of the cutting edge topics in twentieth century English writing. A Passage to India and, Heart of Darkness illuminate control by man when he is in power. The two works use Britains Age of Empire as a scenery for the stories and they investigate British mentalities and conduct in the outside areas of the supreme outskirts. Ivory has a solid drive for white man and he doesn't leave any opportunity to get it. The move of each work makes place against the scenery of Empire Heart of Darkness has the dreariness and tenderness of present day writing, as it shows the abhorrent essence of humankind. Conrad has absence of expectation in the cutting edge man. Subsequently Heart of Darkness brings up significant issues about the improvement of human advancement. The edified man plays destruction with the environmental factors of the wilderness, unchecked by rules and guidelines. The created society consequently is held flawed. The white man assumes a more awful job than the boorish who as indicated by Marlowes perception most likely dont even know the idea of time. Heart of murkiness is additionally an excursion of self acknowledgment, both of Marlowe and Kurtz. Marlowe has an enthusiasm for maps since youth. Maps lead towards new ways and help in investigation. Marlowe investigates human self and the spoiled certainties of colonization during his excursion up to the waterway to meet Kurtz. Heart of haziness has the viewpoint nature of twentieth century writing. Conrad puts the storyteller inside the activity of the story so as to stay generic. The storyteller has an individual voice he deciphers the things in his own specific manner and therefore we see a viewpoint of a person. Conrad doesn't extend any philosophy or hypothesis, yet just sweeps the terrible essences of humankind. A Passage to India by E. M. Forster is a novel on pioneer rule and contrasts between the locals and British are uncovered. It is a connection among colonized and the colonizer. It talks about the cutting edge issue of conflict between societies . It is a talk on the social contrasts between two countries. In A Passage to India, the narrative of Adela Quested fraudulent indictment against the Indian Dr. Aziz ,that he endeavored to assault her on an undertaking to the Marabar Caves, gets emblematic of the contortions of comprehension and translation that can happen among societies, and of the unfairness that unavoidably happens when one individuals holds control over another . The entry to India is a talk on the in reasonable presence of man. It has the inquiries concerning the keeps an eye on presence which are the element of twentieth century writing. Marabar Caves themselves are a significant image Their freezing normality, difficult to translate reverberation that follows any solid made inside them, come to speak to the nullity of human activity, the uselessness of presence. As in all twentieth century writing the mental impact of the colonization is clear in a section to India. The British individuals can't come out of the mental impact that they are a much colorful race than the Orientals, where as the locals are threatening to them. Accordingly it winds up that with their given brain sciences the two countries can't join together. Ms Adela quested can't stand the truth, the genuine India and her figment gets representative of the mental emergency. Ms Moore experiences a change when contrasted with other English men.

An Episode of My Life- Life of a Grade 8 Student Essay

I woke up in the center of the night after the abnormal commotion originating from my sibling Jake’s room. It was his caution that made such clamor. He has a significant secondary school test today. Evidently he believed that having a fire drill sound as his caution tune would doubtlessly wake him up, it did yet it woke we all up. After at long last having the option to rest once more, I woke up around eight o’clock. I was thirty moment later from when I typically wake up. It is Wednesday, June 27th. The climate was amazingly lovely and warm, a run of the mill June climate in L.A. In the wake of eating and a pleasant cup of ice tea, I prepared for school. Today was the latest day of school so I needed to appreciate it. I put on a larger than average sweatshirt and combined it with tore thin pants while getting a couple of tennis shoes. I was never permitted to wear such sort of fabrics in school, evidently my school is private and just acknowledges legitimate clothing regulation. My dad’s driver drove me to class today since I would have been late. Generally I simply stroll to class since it just takes me ten minutes. Around nine thirty, I showed up at school. I entered through the front entryway and saw the group encompassing a seventh grader that was being tormented by a domineering jerk. This really happened significantly after he showed up to our school. His name is Thomas Thomson and had been called names since the time a year ago. He was a hotshot and had a terrible disposition. The domineering jerk was Joe Kinderson. He generally menaces more youthful graders and was ousted twice in one year. The main explanation he is still here is a result of his father, the leader of Kinderson Company. His dad’s organization established our school and that is the reason our school’s name is Roy Kinderson Academy. Being in a non-public school had never been what I needed. On the off chance that I hadn’t bomb grade five, I would in any case be in Rosemary government funded school that can give me in any event opportunity. That was not awful enough, since I got a D on two of my subjects for as long as two semesters, I should be sent to an all inclusive school in England and live with my auntie Frowny after summer break. Auntie Frowny’s genuine name is Juliana Frowren Williams. My sibling and I gave her the epithet â€Å"Frowny† since she scarcely grins to us. First period should be French yet Ms. Lewis our homeroom instructor chose to transform it into science so she can give us an audit test on what we realized for this present year. Our French instructor Madam Garcia was perhaps the most pleasant educator in grade eight because of the way that she scarcely gave us any schoolwork and that she generally has a major brilliant grin all over. Since today was the latest day of school, we just needed to remain in school until after lunch. We had break after first period. My two closest companions Trina and Elisa were with me along some different young ladies. They imagine that going to class in England will be a fantasy however for me its certainly not. Lunch was pizza and natural product plate of mixed greens. We needed to help clear out the study hall before lunch. Around one o’clock we were going to leave. I realized it would be the last time I ever observe my companions and educators so I left early. I didn’t need to get enthusiastic since I was known as a young lady who never cries. I will truly miss my school however I can in any case contact individuals from my school utilizing Facebook. I returned home a quarter to two. Scrubbed down and stared at the TV until my mother returned home. She made me to go out on the town to shop with her and purchase new fabrics for tomorrow. Tomorrow is our family â€Å"Frienbely† day. It was a special occasion my folks pondered when I was five. They needed to commend the happening to summer break by spending time with Jake and I as companions for an entire day. We thought it was cool around then yet that was on the grounds that we were youthful. As we were headed to the shopping center, I needed to tell my mother how my day went. I informed her regarding the training fire drill we had today and the entire morning of cleaning. She inquired as to whether I took vital pictures with any of my instructors and companions yet I said I would in any case visit them in the late spring. The evening went to be a calamity to me. I accidently headed out to an inappropriate elevator and wound up finding the set where they were shooting a music video. The camera found me spilling espresso onto my jeans coincidentally and communicated it on the big screen in the shopping center. The humiliating thing wasn’t this however my mother. She shopped at my preferred store and purchased precisely the same fabric I was wearing. She however it would be fun and would be ideal for tomorrow’s â€Å"Frienbely† day. Since my mother pulled back five of her charge cards a week ago without knowing, my sibling Jake needed to approach take care of for her tabs. He snickered so hard at the two of us and giggled significantly harder when he saw the big screen playing over my espresso spilling second. Around seven thirty toward the evening, my family went out for supper after my father came back from work. We ate at a well known Spanish eatery since my mother is half Spanish. The café wasn’t renowned in view of its uncommon taste yet by its sensible cost and its fascinating game plan of tables. Father purchased materials for the â€Å"frienbely† day also. He advised his secretary to get a similar outfit that coordinated with the fabrics Jake purchased a week ago. I was going to chuckle at Jake to settle the score with him, however I figured I would spare it for whenever he ridicules me. After we returned home not long before eleven o’clock, I discovered Jake’s new sweetheart hanging tight for him by the secondary passage of our home. Jake didn’t educate mother and father concerning his new sweetheart since he simply said a final farewell to his ex a week ago and their relationship just went on for two days. I didn’t educate mother and father concerning Jake’s new young lady companion since they guaranteed me to get me another CD that mother restricted me from tuning in to. They would sing at the karaoke club with a lot of companions to have a ton of fun and unwind after their two months of contemplating. I hit the hay at two AM in the first part of the day. The new computer game I purchased a week ago shielded me from resting early. Following five moment, I rested sufficiently with a fantasy that drove me to the uncertainness of tomorrow.

Academic Integrity Essay Sample

Academic Integrity Essay Sample Academic integrity is a very important thing that bothers a lot of the students, their teachers, and professors. First of all, when people talk about academic integrity they mean honest studying. In other words, when students do not cheat when passing their assignment and exams, it can be called academic integrity. However, nowadays this expression means not only this. This is the reason, why every pupil, student, parent, and teacher should know about this concept. Academic integrity can learn how to succeed in the study and in another sphere of life. School, college, and university students should know what academic integrity is, and follow the ideas provided by the concept. Every studying year, students should begin with the understanding what this year or semester should be. In other words, they need to understand what they want to gain and to set real goal. It can be, for example, an A for some subject, or participation in some activity, or victory in some competition. In the first place, academic integrity is a desire to work on yourself and on something important for you, and do your best. Different schools and colleges have their own goals. For this reason, all of the students can have quite a bad impression of what academic integrity should be. In one school, the most important thing is grades when the other school appreciates sports competitions. It is just necessary to understand that not grades, not competitions, and not victories are important, but only learning and knowledge. This is the reason, why cheating is something that cannot be included in the concept of academic integrity. It happens that students have problems with some subjects and courses. When this happens, they have a great desire to find someone or something to help him to pass some of their assignments or exams well. Unfortunately, they not always choose the honest methods to do this. Very often, young people prefer to use plagiarized works or cheat on exams, than to ask for help. It is much better to get a C and have some knowledge and understanding of the subject than to get an A and know next to nothing about it. What will be more beneficial in the future high grades or knowledge? What will help to build a good career, high grades or knowledge? Only knowledge and ability to use it right is important in the modern world. Apart from all this, academic integrity is a never give up attitude. Life can be very unfair, even if you are always honest and do your best to get the best education. It doesn’t mean that the successful future can be achieved without efforts. For this reason, it is very important to stay strong. Only such life attitude can help to survive. In this cases, academic integrity is important not only for the students but for all people too. Every time when you fall, it is necessary to stand up and do your best again and again until it will be possible to become successful. Yet, even after this, it is still important to remember about this rule. Academic integrity is also a willingness to help. If you see that some students have problems with some assignments, it is very good to help them. It is vital to help other people because it gives a chance to learn some very important lessons in the life that will be quite useful in the future. Apart from this, it can be quite beneficial to have a reliable people on your side. Academic integrity is a concept that should be well-known to every student. It helps to take the most advantage of the education and it learns how to live right in this world in order to be successful.

Middle East Respiratory Syndrome Report Essay - 1291 Words

Middle East Respiratory Syndrome, also referred to as MERS-CoV, is a novel coronavirus that emerged in April 2012 in Saudi Arabia. The coronavirus causes severe repertory illness in humans in which nearly half of the reported cases have been fatal. Middle East Respiratory MERS-CoV has â€Å"also been shown to infect a range of human, primate, porcine, and bat cell lines† (Emergence of the Middle East Respiratory Syndrome). The coronavirus was first discovered in Jeddah, Saudi Arabia at the Dr. Soliman Fakeeh Hospital, when a patient with severe respiratory disease was failing to respond to any treatment or experience any sign of recovery. A sample of the sputum obtained by Dr. Ali Zaki was used to identify the virus. The virus found was unlike anything seen before. Dr. Ron Fouchier, at Erasmus Medical College in Rotterdam, Netherlands, identified the virus as a novel coronavirus, later called Middle East respiratory syndrome coronavirus. Middle East Respiratory Syndrome has been identified in several Middle Eastern countries, and Europe; however, initial infection is found in Saudi Arabica, Qatar, Jordan and The United Emirates. Cases have been reported in the United Kingdom, Tunisia, France, Italy, Germany and the United States. According to the Center of Disease Control and Prevention, 2 cases have been reported in France and 1 death, 1 non-fatal case in Italy, 2 fatal-cases in Jordan, 6 cases in which only half were fatal in Qatar, 121 cases and 51 deaths in SaudiShow MoreRelatedMiddle East Respiratory Syndrome Coronavirus (MERS-CoV)656 Words   |  3 PagesMERS-CoV is a respiratory disease that was first found in Saudi Arabia in 2012. This virus can cause people to get diseases such as the common cold to a Severe Acute Respiratory Syndrome (SARS). MERS-CoV cases have been found in a few countries throughout the world, but mostly have been found in Middle Eastern countries such as Qatar, the United Arab Emirates, Yemen, and Saudi Arabia. Countries other than the Middle East have had MERS-CoV cases such as Germany, France, Italy, the United KingdomRead MoreBackground and Origin on Severe Acute Respiratory Syndrome1172 Words   |  5 PagesSARS( Severe acute respiratory syndrome) Background/Intro/Origins SARS, also known as severe acute respiratory syndrome was first found in Foshan, Guangdong in November of 2002. SARS is a very new and rare disease. SARS was officially recognized as a threat by the World Health Organization in March of 2003. This outbreak was the only one ever recorded of its type, up until the recent Middle East Respiratory Syndrome. Scientists recognized SARS as a variation of the coronavirus. In humans, theRead MoreWgu C228 Task2 Essay1691 Words   |  7 PagesCommunicable Disease: MERS Outbreak In September of 2012, beginning in the country of Saudi Arabia, hospitals began seeing increased cases of a respiratory virus never before seen in humans. They named it Middle East Respiratory Syndrome, or MERS. MERS is a viral respiratory illness caused by the coronavirus. It was originally thought to have started there in Saudi Arabia. It was not until later that they were able to trace the origin back to Jordan starting in April of 2012. All outbreaks of MERSRead MoreThe Middle East Respiratory Syndrome2108 Words   |  9 Pagespilgrimage of Hajj or Umrah. The Middle East Respiratory Syndrome is a new infectious disease that is creating an uproar in the world because of the yearly gathering of around 3 to 4 million muslims to participate in Hajj and the year-long influx of pilgrims partaking in Umrah (Lessler et al., 2014). According to the European Centre of Disease Prevention and Control (2014), the first incident of MERS-Cov was reported from Saudi Arabia in June 2012. Recent reports from The World Health OrganizationRead MoreMobile Rapid PCR Diagnostic Device And Asay Card For Dengue Virus1038 Words   |  5 Pagescountries increases the likelihood that infectious diseases can jump from their zoonotic reservoirs to human hosts. The reappearance of known pathogens, such as Ebola virus, or the emergence of new pathogens, such as severe acute respiratory syndrome, Middle East respiratory syndrome, and ZIKV, can rapidly overwhelm local healthcare systems.1 Obtaining early, accurate medical diagnostic information is critical to properly manage the response to these emerging threats. However, existing diagnostic toolsRead MoreEssay on Chemical And Biological Weapons1165 Words   |  5 Pagesprogram, defected, it was found that Iraq had been dishonest in it’s reports to UNSCOM. for four years. Today, everyone has heard even a passing reference to Gulf-War Syndrome. In 1994, a Congressional report examined eyewitness accounts and declassified operation logs. They concluded that United States troops were exposed eleven times to chemical and biological weapons. Yet, two other reports concluded the opposite. The DSB and IOM reports found that there was no reliable evidence to support that AmericanRead MoreC228 – Community Health Nursing – Task 2 Essay2503 Words   |  11 PagesC228 – Community Health Nursing – Task 2 Renee Todd Western Governors University Middle East Respiratory Syndrome (MERS) is a severe acute respiratory illness caused by the coronavirus named MERS-CoV. It is believed that the virus is found in camels and passed on to humans who are in contact or around infected animal. These camels are mainly located in Egypt, Oman, Qatar, and Saudi Arabia (WHO, 2015a). Those infected with MERS exhibit fever, cough, and shortness of breathRead MoreHiv / Aids : A Global Health System1606 Words   |  7 Pagestypes of cancers to take advantage of the body. If not treated, HIV can result in acquired immunodeficiency syndrome or AIDS. According to El-Sadr, Mayer and Hodder (2012), the epidemiology of HIV/AIDS dates back from 1980 when it began as an epidemic predominantly in young, white, middle-class men who have sex with men (MSM) and who resided principally in a few of the larger West and East Coast cities. Since then 1,216,917 people have been diagnosed with AIDS globally. Today, HIV/AIDS is a diversifiedRead MoreThe Middle E ast Respiratory Syndrome1821 Words   |  8 PagesIn June 2015, the Republic of South Korea experienced an outbreak of the Middle East respiratory syndrome coronavirus (MERS-CoV) that was rapidly transmitted across the general population. Transmission was most active within medical institutions, specifically the emergency rooms because of their overcrowded conditions. There are several interventions that can reduce the risk for MERS outbreaks in South Korea; however, the government’s lack of response in 2015 led to an epidemic that was larger thanRead MoreHuman Immunodeficiency Virus ( Hiv ) / Aids1278 Words   |  6 Pagestypes of cancers to take advantage of the body. If not treated, HIV can result in acquired immunodeficiency syndrome or AIDS. According to El-Sadr, Mayer and Hodder (2012), the epidemiology of HIV/AIDS dates back from 1980 when it began as an epidemic predominantly in young, white, middle-class men who have sex with men (MSM) and who resided principally in a few of the larger West and East Coast cities. Since then 1,216,917 people have been diagnosed with AIDS globally. Today, HIV/AIDS is a diversified

The Case of the Unhealthy Hospital Blake Memorial Hospital

The Case of the Unhealthy Hospital Anthony R. Kovner Harvard Business Review No. 91506 SEPTEMBER–OCTOBER 1991 HBR Anthony R. Kovner The Case of the Unhealthy Hospital Bruce Reid, Blake Memorial Hospital’s new CEO, rubbed his eyes and looked again at the 1992 budget worksheet. The more he played with the figures, the more pessimistic he became. Blake Memorial’s financial health was not good; it suffered from rising costs, static revenue, and declining quality of care. When the board hired Reid six months ago, the mandate had been clear: improve the quality of care and set the financial house in order. Reid had less than a week to finalize his $70 million budget for approval by the hospital’s board. As he considered his†¦show more content†¦And that was just scratching the surface. Without some of these investments, Blake’s ability to attract paying patients and top-grade doctors would deteriorate. As it was, the hospital’s location on the poorer, east side of Marksville was a strike against it. Blake had a high percentage of Medicaid patients, but the payments were never sufficient to cover costs. The res ult was an ever-rising annual operating loss. Reid was constantly reminded of the hospital’s uncompetitive position by his chief of surgery, Dr. Winston Lee. ‘‘If Blake wants more paying patients—and, for that matter, good department chiefs—it at least has to keep up with St. Barnabas,’’ Lee had warned Reid a few days ago. Lee complained that St. Barnabas, the only other acute-care hospital in Marksville, had both superior facilities and better technology. Its financial condition was better than Blake’s, in part because it was located on the west side of the city, in a more affluent neighborhood. St. Barnabas had also been more savvy in its business ventures: it owned a 50% share in an MRI unit operated by a private medical practice. The unit was reportedly generating revenue, and St. Barnabas had plans for other such investments, Lee had said. While Reid agreed that Blake needed moreShow MoreRelatedThe Unhealthy Hospital Case St udy1347 Words   |  6 PagesThe unhealthy hospital case is about a hospital named Blake Memorial that has been in a very bad shape, lacks in providing the best quality of care, is in debt, and financially imbalanced. It is important for a healthcare set up to maintain balance in the financial system so the stakeholders and customers who are the patients their interests are met. If the hospital is lacking in providing the best quality of care for its community and the community is in high needs of the care than the CEO’s ofRead MoreThe Case Of The Unhealthy Hospital1533 Words   |  7 Pages In the article, The Case of the Unhealthy Hospital, written by Anthony R. Kovner, a through description of a struggling hospital, Blake Memorial Hospital, is given. This paper is a SWOT analysis, and addresses the strengths and weaknesses within the hospital, as well as opportunities and threats outside of the hospital and in the surrounding community. Although limited in abundance, there are specific strengths of Blake Memorial Hospital, such as their new CEO, Bruce Reid, and the strong communityRead MoreBlake Memorial Hospital Is Located In The Poorest East1916 Words   |  8 PagesBlake Memorial Hospital is located in the poorest east area of Marksville (Rakish, Longest, Darr, 2010, p. 135). Blake Memorial Hospital is a non-profit organization, and its primary focus is to provide quality care to the poorest people of Marksville. Blake Memorial Hospital operates six off-site clinics and four in-house clinics, among them is the Lorris housing project clinic. 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The results of Jackson have not been that goodRead MoreFundamentals of Hrm263904 Words   |  1056 PagesRecession 21 Off Shoring 21 Mergers 22 A Look at Ethics 22 Summary 23 Demonstrating Comprehension: Questions for Review 24 Key Terms 24 HRM Workshop 25 Linking Concepts to Practice: Discussion Questions 25 Developing Diagnostic and Analytical Skills 25 Case 1: Work/Life Balance at Baxter 25 Working with a Team: Understanding Diversity Issues 25 Learning an HRM Skill: Guidelines for Acting Ethically 26 Enhancing Your Communication Skills 26 ETHICAL ISSUES IN HRM: Invasion of Privacy? 9 WORKPLACE ISSUES:Read More_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 Pagesand Data Analysis, Third Edition Roxy Peck, Chris Olsen, Jay Devore Acquisitions Editor: Carolyn Crockett Development Editor: Danielle Derbenti Assistant Editor: Beth Gershman Editorial Assistant: Ashley Summers Technology Project Manager: Colin Blake Marketing Manager: Joe Rogove Marketing Assistant: Jennifer Liang Marketing Communications Manager: Jessica Perry Project Manager, Editorial Production: Jennifer Risden Creative Director: Rob Hugel Art Director: Vernon Boes Print Buyer: Karen Hunt Read MoreDeveloping Management Skills404131 Words   |  1617 PagesUnderstanding and Appreciating Individual Differences Important Areas of Self-Awareness 61 Emotional Intelligence 62 Values 65 Ethical Decision Making and Values 72 Cognitive Style 74 Attitudes Toward Change 76 Core Self-Evaluation 79 SKILL ANALYSIS 84 Cases Involving Self-Awareness 84 Communist Prison Camp 84 Computerized Exam 85 Decision Dilemmas 86 SKILL PRACTICE 89 Exercises for Improving Self-Awareness Through Self-Disclosure 89 Through the Looking Glass 89 Diagnosing Managerial Characte ristics 90

Comparison of Public and Private Banks Free Essays

string(96) " in knowing more about the ‘Bank’ and the various men and the activities connected with it\." A â€Å"SUMMER TRAINING† PROJECT REPORT ON COMPARATIVE STUDY BETWEEN PRIVATE SECTOR BANKS ANP PUBLIC SECTOR BANKS Submitted To: PUNJAB TECHNICAL UNIVERSITY,JALANDHAR MASTER OF BUSINESS ADMINISTRATION(MBA) SESSION(2007-09) CT INSTITUTE OF ENGINEERING,MANAGEMENT TECHNOLOGY,JALANDHAR (SHAHPUR CHAMPUS) PREFACE Someone has rightly said that practical experience is for better and closer to the real world then mere theoretical exposure. The practical experience helps the students view the real world closely, which in turn widely influences their perceptions and argument their understanding of the real situation. Research work constitutes the backbone of any management education programme. We will write a custom essay sample on Comparison of Public and Private Banks or any similar topic only for you Order Now A management student has to do research work quite frequently during his entire span. The research work entitle â€Å"COMPARATIVE STUDY BETWEEN PRIVATE SECTOR BANKS AND PUBLIC SECTOR BANKS† aims to analyze various services provided by private sector banks and public sector banks for this purpose Pathankot city have been chosen. ACKNOWLEDGEMENT I feel immense pleasure to give the credit of my summer training project work not only to one individual effort of all those who concern with it. I want to thanks to all those individual who guided me to move on the track. The summer training project entitled â€Å"COMPARATIVE STUDY BETWEEN PRIVATE SECTOR AND PUBLIC SECTOR BANKS† I am gratefully indebted to Mr. Davinder Singh for providing me all the necessary help and required guideline for the completion of my project and also for the valuable time that he gave me from his scdedule. Neha Kapoor TABLE OF CONTENTS |CHAPTER NO. PARTICULARS |PAGE NO. | | 1 |INTRODUCTION OF THE STUDY | 1-23 | | 2 |OBJECTIVES OF THE STUDY | 24-25 | | 3 | 3. 1 RESEARCH METHODOLOGY | 26-36 | | | | | | |3. LIMITATIONS OF THE STUDY | | | | |37 | | 4 |DATA ANALYSIS AND ITS INTERPRETATION | 38-46 | | 5 |FINDING OF THE STUDY | 47-50 | | 6 |SUGGESTIONS 51-54 | | 7 |CONCLUSION | 55-56 | | 8 |BIBLIOGRAPHY | 57-58 | | 9 |ANNEXURE | 59-62 | Introduction The world of banking has assumed a new dimension at dawn of the 21st century with the advent of tech banking, thereby lending the industry a stamp of universality. In general, banking may be classified as retail and corporate banking. Retail banking, which is designed to meet the requirement of individual customers and encourage their savings, includes payment of utility bills, consumer loans, credit cards, checking account and the like. Corporate banking, on the other hand, caters to the need of corporate customers like bills discounting, opening letters of credit, managing cash, etc. Metamorphic changes took place in the Indian financial system during the eighties and nineties consequent upon deregulation and liberalization of economic policies of the government. India began shaping up its economy and earmarked ambitious plan for economic growth. Consequently, a sea change in money and capital markets took place. Application of marketing concept in the banking sector was introduced to enhance the customer satisfaction the policy of privatization of banking services aims at encouraging the competition in banking sector and introduction of financial services. Consequently, services such as Demat, Internet banking, Portfolio Management, Venture capital, etc, came into existence to cater to the needs of public. An important agenda for every banker today is greater operational efficiency and customer satisfaction. The mew watchword for the bank is pretty ambitious: customer delight. The introduction to the marketing concept to banking sectors can be traced back to American Banking Association Conference of 1958. Banks marketing can be defined as the part of management activity, which seems to direct the flow of banking services profitability to the customers. The marketing concept basically requires that there should be thorough understanding of customer need and to learn about market it operates in. Further the market is segmented so as to understand the requirement of the customer at a profit to the banks. DEFINITION OF BANK The Oxford dictionary defines the Bank as, â€Å"An establishment for the custody of money, which it pays out, on a customer’s order. † According to Whitehead, â€Å" A Bank is defined as an institution which collects surplus funds from the public, safeguards them, and makes them available to the true owner when required and also lends sums be their true owners to those who are in need of funds and can provide security. † Banking Company in India has been defined in the Banking Companies act 1949, One which transacts the business of banking which means the accepting, for the purpose of lending or investment of the deposits of money from the public, repayable on demand, or otherwise and withdraw able be cheque, draft, order or otherwise. † The banking system is an integral subsystem of the financial system. It represents an importa nt channel of collecting small savings form the households and lending it to the corporate sector. The Indian banking system has Reserve Bank of India (RBI) as the apex body for all matters relating to the banking system. It is the central Bank of India. It is also known as the Banker To All Other Banks. EVOLUTION OF INDIAN BANKING Ancient banking system of India constituted of indigenous bankers. They have been carrying on their age-old banking operations in different parts of the country under different names. The modern age of banking constitutes the fundamental basis of economic growth. The term Bank is being used since long time but there is no clear conception regarding its beginning. According to the viewpoint, in good old days. Italian money leaders were known as â€Å"Banchi† because they kept a special type of table to transact their business. IMPORTANCE OF BANKS Today banks have become a part and parcel of Kotak Bank’s life. There was a time when dwellers of the city alone could enjoy their services. Now banks offer access to even a common man and their activities extend to areas hitherto untouched. Banks cater to the needs of agriculturalists, industrialists, traders and to all the other sections of the society. In modern age, the banking constitutes the fundamental basis of economic growth. Thus, they accelerate the economic growth of a country and steer the wheels of the economy towards its goals of â€Å"self reliance in all fields†. It naturally arouses Kotak Bank’s interest in knowing more about the ‘Bank’ and the various men and the activities connected with it. You read "Comparison of Public and Private Banks" in category "Essay examples" Indian Banking System Banking in India has its origin as early as the Vedic period. It was believed that transition from money lending to banking must have occurred even before Manu, The great Hindu Jurist, who has devoted a section of his work to deposit advance and laid down rules relating to rates of interest. During the Mogul period, the indigeneousBankers played a very important role in lending money financing foreign trade and commerce. During the days of East India Company, it was turn over the agency houses to carry on the business. â€Å"The General Bank of India† was the first to join sector in the year 1786. The others that followed were the Bank of Hindustan and the Bengal bank. The bank of Hindustan is reported to have continued till 1906 while the other two failed in the meantime. In the first half of the 19th century the East India Company established three banks: 1. Bank of Bengal (1809). 2. Bank of Bombay (1840). 3. Bank of Madras (1843. These three banks are also known as Presidency Banks were independent units and functioned well. These three banks were amalgamated in 1920 and Imperial Bank of India was established on 27th january1921, which started as private shareholders banks, mostly Europeans shareholders, with the passing of time Imperial bank was taken over by the newly constituted State bank of India act in1955. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. On July, 1969, 14 major banks of India were nationalized and on 15th April, 1980 six more commercial private banks were also taken over by the government. Reserve Bank of India The Banking system is an integral sub-system of the financial system. It represents an important channel of collecting small savings from the households and lending it to the corporate sector. The Indian banking system has The Reserve Bank of India (RBI) as the apex body from all matters relating to the banking system. It is the â€Å"Central Bank† of India and act as the banker to all other banks. Functions of RBI: †¢ Currency issuing authority †¢ Banker to the government. †¢ Banker to other Bank. †¢ Framing of monetary policy. †¢ Exchange control. †¢ Custodian to foreign exchange and gold reserves. †¢ Development activities. †¢ Research and development in the banking sector. CLASSIFICATION OF BANKS On the basis of Ownership PUBLIC SECTOR BANKS Public sector banks are those banks that are owned by the government. The government owns these banks. In India 20 banks were nationalized in 1969 and 1980 respectively. Social welfare is there main objective. PRIVATE SECTOR BANKS These banks are those banks that are owned and run by private sector. An individual has control over these banks in proportion to the shares of the banks held by him. CO-OPERATIVE BANKS These are those banks that are jointly run by a group of individuals. Each individual has an equal share in these banks. Its shareholders manage the affairs of the bank. According to the Law SCHEDULED BANK Schedule banks are the banks, which are included in the second schedule of the banking regulation act 1965. According to this schedule bank: 1. Must have paid-up capital and reserve of not less than Rs500, 000. . Must also satisfy the RBI that its affairs are not conducted in a manner Determinate to the interest of its depositors. Schedule banks are sub-divided as:- a) State co-operative banks b) Commercial banks NON-SCHEDULED BANKS Non -schedule banks are the banks, which are not included in the second schedule of the banking regulation act 1965. It means they do not satisfy the conditions lay down by that schedule. These are the banks having paid up capital, less than Rs. 5Lakhs. They are further classified as follows:- A. Central Co-operative banks and Primary Credit Societies. B. Commercial banks According to Function COMMERCIAL BANKS These are the banks that do banking business to earn profit. These banks make loans for short to business and in the process create money. Credit creation is the main function of these banks. FOREIGN BANKS These are those banks that are incorporated by foreign company. They have set up their branches in India. These banks have their head offices in foreign countries. Their principle function is to make credit arrangement or the export and the import of the country and these banks deals in foreign exchange. INDUSTRIAL BANKS Industrial banks are those banks that offer long term and medium term loan to the industries and also work for their development. These banks help industries in sale of their shares, debentures and bonds. They give loan to the industries for the purchase of land and machinery. AGRICULTURAL BANKS Agricultural banks are those banks that give credit to agricultural sector of the economy. SAVING BANKS The principle function of these banks is to collect small savings across the country and put them to the productive use. In India department of post office functions a savings banks. CENTRAL BANK Central Bank is the apex bank of the banking system of the country. It issues currency notes and acts a banker’s bank. Economic stability is the principle function of this bank. In short, it regulates and controls the banking system of the country. RBI is the Central Bank of India. PRIVATIZATION OF INDIAN BANKING For the public sector banks, the era of bumper profit is over. For much of the last decade the process of collaborated financial liberalization had cleared up the Bank’s balance sheet enabling them to with stand increased competition, global financing, turmoil and even unprotected industrial slow down. But the cycle of liberalization has run its full course. Now it is the time for the big structural leap, rationalization, mergers, and privatization. Unless the banks undertake these fundamental changes, their profit will stay under pressure. There are twp areas of competitions which banking industry is facing internationally and nationally. In the pre-liberalization era, Indian banks could grow in a closed economy but the banking sector opened up for private competition. It is possible that private banks could become dominant players even within India. It has been recorded a rapid rise of the new private sector banks and it has tracked the transformation of the public sector banks as they grapple with the changes of financial deregulation. Use of ATM cards, Internet Banking, Phone Banking, Mobile Banking are the new innovative channels of banking which are being widely used as they result in saving both time and money which are two essential things that every one is short of and is running to catch hold of them. Moreover private sector banks are aligning its infrastructures, marketing quality and technology to build deep commitment in building consumer and retail banking. The main focus of these banks is on innovative range of services or products. STRUCTURE OF BANKING SYSTEM Different countries of the world have different types of banking systems. However, commercial banking had grown under all these banking systems. To understand the structure of banking system, let us take up various types of banking systems one by one. These types are: (1) UNIT BANKING Unit Banking originated in the United State of America. It grew in the United States of America. As a counter part of independent or industrial units. An independent unit bank is a corporation that operates one office and that is not related to other banks through either ownership or control. Shaper, Solomon and White. Thus under unit banking, a single bank is a complete organization in itself having its own management. The scale of operation is small and the area is restricted to a locality only. Unit banking is localized banking and is much more responsive to the needs of the locality. It has bett er understanding of the local problems and conditions, which helps it to cater to the needs of the area in a better way. The staff of the unit bank is generally local and is in a better position to determine the standing or desirability of the customers. The failure of the unit bank will not endanger the banking system and economy. It is free from the difficulties and diseconomies of large scale operations. It will not drain out the financial resources of villages and small towns to big industrial centers and will ensure a balanced growth. (2) BRANCH BANKING: Economic and Managerial problems faced by the unit banks let to the emergence of banking system. Now, This the most popular and important banking system. In branch banking, a bank has a large network of branches scattered all over the country. Branch banking developed in England. Subsequently most of the countries of the world adopted the system. In terms of branches, the State Bank of India has emerged as one of the largest banks in the world. As under the system the resources of a number of branches get pooled under the same management, any individual branch is in a better position to face excessive withdrawals by the customers. It facilitates diversification of activities because the area covered by the branches is generally widespread. Under the system branches can operate without keeping large idle cash reserves. It becomes possible for the bank to hire the services of competent and professionally qualified managers, capable of understanding the handling technical problems and complex situations. The cost of remitting or transferring funds from one place to another works out to be less. The staff stays at a branch only for a limited period, so the chances of objective decision making in the branch banking are high. Branch Banking tends to bring homogeneity in the prevailing Interest Rates as it increases the mobility of resources from one place to another. It is easier for the Central Bank to exercise Control. It will communicate only with a few Registered /Head Offices of the Banks and not with each individual branch. In this system there more safety and liquidity of funds. The choice of securities and investments is larger. Branch banking makes complete banking services available to the smallest communities. The branches in small localities can be initially operated at loss in expectation of future gains. The comparative study of unit banking and branch banking is a case of small scale banking versus large scale banking. It is evident that the scale is clearly titled towards branch banking. With the growth of large scale business it is no wonder that the trend is almost every country towards the branch banking i. e. big banks with a network of branches all over the country. Even in the U. S. A. The birthplace of unit banking. The Bank of America has now more than 500 branches in the state of California itself. (3) CHAIN BANKING : Shaper, Solomon and White have defined Chain Banking as â€Å"An arrangements by which two or more banks –each of which retains its identity, capital and personnel –are brought under common control by any device other than a Holding Company. † Under the system there is pooling of resources. Chain banking overcomes certain limitations of unit banking. But the system suffers from certain limitations of its own. There may be a lack of co-ordination, proper control etc. The system is inflexible. (4) GROUP BANKING : It is similar to Chain Banking, the difference being that under Group Banking two or more banks are brought under the control of the same management through a Holding Company. Both the systems aim at gaining the advantages of large scale operations. The banks are able to pool their resources in case of emergency or when large amount of cash is required to meet the loan requirements of the customer. The advantages and disadvantages of both the systems are similar. Both the systems developed in the United State of America as a result of attempts to overcome the difficulties or limitations of unit banking. (5) CORRESPONDENT BANKING: Under Correspondent banking, small banks serving local communities hold deposits with joint banks serving in big cities. This kind of banking is prevalent in U. S. A. The correspondent banks perform two important services of outstation cheque clearing and loan participation for the respondent banks while they benefit for the deposit funds of respondent banks. A) COMMERCIAL BANKS [pic] PRIMARY FUNCTIONS : 1) Accepting of Deposits : A bank accepts deposits from the public. People can deposit their cash balances in either of the following accounts to their convenience:- a. Fixed or Time Deposit Account : Cash is deposited in this account for a fixed period. The depositor gets receipts for the amount deposited. It is called Fixed Deposit Receipt. The receipt indicates the name of the depositor, amount of deposit, rate of interest and the period of deposit. This receipt is not transferable. If the depositor stands in need of the amount before the expiry of fixed period, he can withdraw the same after paying the discount to the bank. b. Savings Account : This type of deposit suits to those who just want to keep their small savings in a bank and might need to withdraw them occasionally. Banks provide a certain rate of interest on the minimum balance kept by the depositor during the month. c. Current Account : This type of account is kept by the businessman who are required to withdraw money every new and then. Banks do not pay any interest on this account. Any sum or any number of withdrawals can be presented by such an account holder. 2) Advancing of Loans : The bank advances money in any one of the following ways. a. Overdraft Facilities : Customers of good trading are allowed to overdraw from their current account. But they have to pay interest on extra amount they have withdrawn. Overdrafts are allowed to provide temporary accommodation since the extra amount withdrawn is payable within a short period. b. Money at Call : It is the money lent for a very short period varying from 1 to 14 days. Such advances are usually made to other banks and financial institutions only. Money at call ensures liquidity. In the Interbank market it enables bank to make adjustment according to their liquidity requirements. c. Loans : Loans are granted by the banks on securities which can be easily disposed off in the market. When the bank has satisfied itself regarding the soundness of the party, a loan is advanced. d. Cash Credit : The Debtor is allowed to withdraw a certain amount on a given security. The debtor withdraws the amount within this limit, interest is charged by the bank on the amount actually withdrawn. . Discounting Bill of Exchange : It is another method of making advances by the banks. Under this method, bank give advance to their clients on the basis of their bills of exchange before the maturity of such bills. f. Investment in Government Securities : Purchasing of government securities by the banks tantamount to advancing loans by them to the Government. Banks prefer to bu y government securities as these are considered to be the safest investment. For example : Indira Vikas Patra : It enables the banks to meet requirement of statutory liquidity ratio (SLR) ) Credit Creation :One of the main functions of banks these days is to create credit. Banks create credit by giving more loans than their cash reserves. Banks are able to create credit because the demand deposits i. e. a claim against the bank is accepted by the public in settlement of their debts. In this process the bank creates money. For this reason Prof. Sayers has called bank â€Å"the manufactures of money. † 4) Cheque system of Payment of Funds A cheque, a negotiable instrument, which in fact is a bill of exchange, drawn upon a banker, is the most popular credit instrument used by the client to make payments. Cheque system is the main credit instrument in the banking world. Although a cheque is not a legal tender money, the serves as a medium of exchange in a limited way as it is a negotiable instrument. Because of â€Å"clearing houses† and â€Å"clearing† operations of the banks, cheques can be and are used for transferring funds from one centre to another. In the modern days they can also be used for transferring funds from one country to another. SECONDARY FUNCTIONS Besides the above primary functions, banks also perform may secondary functions such as agency functions, general utility and social functions. A) Agency Functions Banks act as agents to their customers in different ways :- i) Collection and Payment of Credit and Other Instruments: The Commercial banks collect and pay cheques, bills of exchange, promissory notes, hundies, rent, interest etc. On behalf of their customers and also make payments of income tax, fees, insurance premium etc. on behalf of the customers. Customers can leave standing instructions with the banker for various periodic payments ensuring the regular payments and avoiding the trouble of performing it themselves. ii) Purchase and Sale of Securities : The modern ommercial banks also undertake the purchase and sale of various securities like shares, stocks, bonds units and debentures etc. On behalf of the customers, banks do not give any advice regarding the suitability or otherwise of a security but simply perform the functions of a broker. iii) Trustee and Executor : Banks also acts as trustees and executors of the property of their customers on their advi ce. Sometimes banks also undertake income tax services on behalf of the customers. iv) Remittance of Funds : The Commercial banks remit funds on behalf of clients from one place to another through cheques, drafts, mail transfers etc. ) Representation and Correspondence : Sometimes commercial banks acts as representatives or correspondents of the clients especially in handling various applications. For instance, passports and travel tickets, booking of vehicles, plots etc. vi) Billion Trading : In many countries, the commercial banks trade is billions like gold and silver. In Oct 1997, 8 banks including SBI, IOB, Canara Bank and Allahabad Bank have been allowed import of gold which has been put under open general licensed category. vii) Purchase and Sale of Foreign Exchange : Banks buy and sell foreign exchange, promoting international trade. This function is mainly discharged by foreign Exchange Banks. viii) Letter of References : Banks also give information about economic position of their customers to domestic and foreign traders and vice versa. B) GENERAL UTILITY SERVICES In addition to agency services, banks render many more utility services to the public. These services are :- i) Locker Facilities : Banks provide locker facilities to their customers. People can keep their valuables or important documents in these lockers. Their annual rent is very nominal. ii) Acting as a referee : It desired by the customers, the bank can be a referee i. . who could be referred by the third parties for seeking information regarding the financial position of the customers. The bank will acts as referee only and only if it is desired by the customer, otherwise the secrecy of a customers is account is maintained very carefully. iii) Issuing letters of credit : Bankers in a way by issuing letters of credit certify the credit worthiness of the customers. Letters of credit are very popular in foreign trade. iv) Acting as Underwriters : Banks also underwrite the securities issued by the Government and Corporate bodies for a commission. The name of bank as an underwriter encouraged investors to have faith in the security. v) Acting as information banks : Commercial banks also acts as â€Å"information† bureau as they collect the financial, economic and statistical data relating to industry, trade and commerce. HDFC Bank is providing information relating to NRI Schemes and commentaries of experts on development in the areas of finance through Internet. vi) Issuing Traveler’s cheques and credit cards : Banks have been rendering great service by issuing traveler’s cheques, which enable a person to travel without fear of theft or loss of money. Now, some banks have started credit card system under which a credit card holder is allowed to avail credit from the listed outlets without any additional cost or effort. Thus, credit card holder need not carry or handle cash all the time. Now, international credit cards are joining hands with Indian Banks. vii) Issuing of gift cheques: Certain banks issue gift cheques of various denominations, e. g. Some Indian banks issue gift cheques f the denominations of Rs. 21, 31, 51 and 101 etc. They are generally issued free of charge. viii) Dealing in Foreign Exchange: Major branches of commercial banks also transact business of foreign exchange. Commercial banks are the main authorized dealers of foreign exchange in India. ix) Merchant banking Services: Commercial banks also render merchant banking services to the customers. They help in availing loans from non-banking financial institutions. x) Help in Transportation of Goods: Big businessmen or industrialists after consigning goods to their retailers send the Railway Receipt (Consignment Note) to the bank. List of Public Sector Banks o State Bank of Bikaner Jaipur o State Bank of Hyderabad o State Bank of Indore o State Bank of Mysore o State Bank of Saurastra State Bank of Travancore Other Nationalised banks are: †¢ Allahabad Bank †¢ Andhra Bank †¢ Bank of Baroda †¢ Bank of India †¢ Bank of Maharastra †¢ Canara Bank †¢ Central Bank of India †¢ Corporation Bank †¢ Dena Bank †¢ Indian Bank †¢ Indian Overseas Bank †¢ Oriental Bank of Commerce †¢ Punjab Sind Bank †¢ Punjab National Bank †¢ Syndicate Bank †¢ UCO Bank †¢ Union Bank of India †¢ United Bank of India †¢ Vijaya Bank List of Private Sector Bank †¢ Bank of Punjab †¢ Bank of Rajasthan †¢ Catholic Syrian Bank †¢ Centurion Bank †¢ City Union Bank †¢ Dhanalakshmi Bank †¢ Development Credit Bank †¢ Federal Bank †¢ HDFC Bank ICICI Bank †¢ IDBI Bank †¢ IndusInd Bank †¢ ING Vysya Bank †¢ Jammu Kashmir Bank †¢ Karnataka Bank †¢ Karur Vysya Bank †¢ Laxmi Vilas Bank †¢ South Indian Bank †¢ United Western Bank †¢ UTI Bank List of Foreign Banks in India †¢ ABN-AMRO Bank †¢ Abu Dhabi Commercial Bank †¢ Bank of Ceylon †¢ BNP Paribas Bank †¢ Citi Bank †¢ China Trust Commercial Bank †¢ Deutsche Bank †¢ HSBC †¢ JPMorgan Chase Bank †¢ Standard Chartered Bank †¢ Scotia Bank †¢ Taib Bank Upcoming Foreign Banks In India [pic] |[pic] | By 2009 few more names is going t o be added in the list of foreign banks in India. This is as an aftermath of the sudden interest shown by Reserve Bank of India paving roadmap for foreign banks in India greater freedom in India. Among them is the world’s best private bank by Euro Money magazine, Switzerland’s UBS. The following are the list of foreign banks going to set up business in India †¢ Royal Bank of Scotland †¢ Switzerland’s UBS †¢ US-based GE Capital †¢ Credit Suisse Group †¢ Industrial and Commercial Bank of China Merrill Lynch is having a joint venture in Indian investment banking space — DSP Merrill Lynch. Goldman Sachs holds stakes in Kotak Mahindra arms. GE Capital is also having a wide presence in consumer finance through GE Capital India. India’s GDP is seen growing at a robust pace of around 7% over the next few years, throwing up opportunities for the banking sector to profit from. The credit of banks has risen by over 25% in 2004-05 and the growth momentum is expected to continue over the next four to five years. Participation in the growth curve of the Indian economy in the next four years will provide foreign banks a launch pad for greater business expansion when they get more freedom after April 2009. Objectives of the Study This study has been conducted with a variety of important objectives in mind. The following provides us with the chief objectives that have tried to achieve through the study. The extent to which these objectives have been met could judged from the conclusions and suggestions, which appear in the later of this study. The Chief Objectives of this study are: 1. To find the bank sector that is largely availed by the customer. 2. To study the factors the factors influencing the choice of a bank for 3. availing services. 4. To find and compare the satisfaction level of customers in public sector 5. s well as in private sectors bank. 6. To study the problem faced by customer. 7. To get suggestions for improvement or change in the services of public and private sector banks. 8. To study what do people expect in the new era of banking. RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on a specific topic. The logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for achievement of objectives of the project. With the adoption of this others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving account holders of District Jalandhar. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with other banks, direct personal interview method with structured questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspapers and by surfing on Internet. And the guide in the organization was consulted at many times. SAMPLE DESIGN:-A sample design is a definite plan for obtaining a sample from a given population. It refers to the techniques or the procedure the researcher would adopt in selecting items for the sample. Sample design may as well lay down the number of items to be included in the sample i. e. , the size of the sample. Sample design is determined before data are collected. Here we select the population as sample in our sample design. The selected respondents should be as representatives of the total population. POPULATION:- The persons holding saving account related to business class of District Jalandhar were taken into consideration. DATA COLLECTION Data was collected by using main two methods i. e primary data and secondary data. PRIMARY DATA Primary data is the data which is used or collected for first time and it is not used by anyone in the past. There are number of sources of primary data from which the information can be collected. We choose the following resources for our research. QUESTIONNAIRE:-This method of data collection is quite popular, particular in case of big enquiries. Here in our research we set 15 simple questions and request the respondents to answer these questions with correct information. RESPONDENTS:-Respondents helps in creation of more accurate idea about our research. We personally meet the respondents inside and outside the banks. SECONDARY DATA Secondary data is the data which is available in readymade form and which is already used by people for some purposes. There may be various sources of secondary data such as-newspapers, magazines, journals, books, reports, documents and other published information. BANKS ANNUAL REPORTS:-Banks issues there annual reports to get the people informed with the profitability and growth of the bank. These annual reports helps us a lot to get the latest data and other related information for our research. It tells us about the increase or decrease in profits and other facilities. JOURNALS AND PUBLICATIONS OF DIFFERENT BANKS :- We also take into consideration the journals and publications issued by the bank at different times. we comes to know about the Branches, ATM, locations and other useful information. MANUALS AND BROACHERS OF DIFFERENT BANKS:-We take the help of bank staff and other people who gives us deep information and data which may not be available at anywhere. They gives us there full co-operation. INTERNET:-We also take into consideration the internet facility with which we collect lot of latest information. SAMPLE PLAN : ? SAMPLE SIZE: Keeping in mind all the constraints the size of the sample of the study was selected as 80. ? SAMPLING UNIT:- Centurion Bank of Punjab Branch in Jalandhar city. Due to nature of study, we also visited various different banks ICICI, HDFC, SBI, PUNJAB NATIONAL BANK etc. f Jalandhar District. ? SAMPLING TECHNIQUE:- Stratified convenient sampling. All the saving account holders were taken into consideration. Research was conducted on clear assumptions that the respondents would give frank and fair answers in a pragmatic way and without any bias. ? SAMPLING DESCRIPTION:- In order to understand the nature and characteristics of various respondent s in this study, the information was collected and analyzed according to their socio economic background which included the characteristic of their respondents like education, age marital status and monthly income. This description shows that respondents included in this survey belong to different backgrounds and this turn increase the scope of the study. PERSONAL DETAIL AGE |Particulars |%age of Respondent | |20-30 years |20% | |30-40 years |50% | |40-50 years 20% | |50-60 years |10% | [pic] Analysis Interpretation: From the above study we find that nobody is below 20 age and 20% respondents are between 20-30 age group, 50% respondents are between 30-40 age group, 20% respondents is between 40-50 age group and 10% respondents are between 50-60 age group. SEX Particulars |No of Respondent |%age | |Male |70 |70% | |Female |30 |30% | |Total |100 |100% | Analysis: From the above result we come to know that out of 100, 62 respondents are male and 38 are female which is 62% and 38% are respectively. Interpretation: From the above data we conclude that most of our respondents are male. MARITAL STATUS Particulars |No of Respondent |%age | |Married |33 |33% | |Unmarried |67 |67% | |Total |100 100% | [pic] Analysis: From the above study we find that out of 100%, 33% respondents are married and 67% respondents are unmarried. Interpretation: Most of the respondents of our survey are Unmarried. Q4: HIGHEST EDUCATIONAL QUALIFICATION:- Particulars |No of Respondent |% age | |Matric |4 |4% | |Senior Secondary |14 |14% | |Graduate |46 |46% | |Post graduate | 36 |36% | | Total |100 |100% | [pic] Analysis: This analysis shows that out of 100 respondent, 46% respondents are graduate professional, 36% respondents are post graduate, 14% respondents are senior secondary and 2% respondents are of Matric category. All the respondents of our survey are qualified. Interpretation: From the above data we conclude that most of our respondents are Graduates professional degree holders. OCCUPATION |Particulars |No of Respondent |%age of respondents | |Businessman | 32 |32% | | Government Employee | 28 |28% | | Student | 24 |24% | | Others |16 |16% | Analysis: From the above analysis it is clear that 32% respondents are doing their own business, 28% are employees and 16% respondents belong to other category And 24% of our respondents are students. Most of the respondents of our survey are Businessmen. Interpretation: From the Above data we conclude that most of our survey respondents are businessmen. DATA COLLECTION: Data was collected using two main methods: COLLECTION OF DATA LIMITATIONS OF THE STUDY Due to constraints of time and resources, the study is likely to suffer from certain limitations. Some of these are mentioned here under so that the findings of the study may be understood in a proper perspective. The limitations of the study are: Some of the respondents of the survey were unwilling to share information. ? The research was carried out in a short period of 6 weeks . Therefore the sample size and other parameters were selected accordingly so as to finish the work within the given time frame. ? The information given b y the respondents might be biased because some of them might not be interested to give correct information. ? The officials of the bank supported me a lot, but did not have sufficient time to make the points more clear. Analysis of Data collected 1. The respondents were asked about which banking sector’s services do their avail. Table1: banking sector’s services which the respondents avail. Banking sector |Number of respondents | |Public |32 | |Private |38 | |Both |30 | Graph 1: Banking Sector’s services which the respondents avails INTERTRETATION:-It was found that most of the respondents were availing services of private sectors banks while those of the public sector banks were less as compare to public sector 2. The respondents were Asked about the type of account they have in the public sector as well as Private sector banks Table 2. 1 Number of type of account held in Public sectors banks Type of Accounts Name of Account |Savings |Current |Demat |Fixed depo sits |Salary | |Total no of respondents |50 |15 |6 |15 |14 | [pic] Graph 2. 1 :- Number of type of accounts held in Public sector banks Analysis: 50% people own Saving Account, 15% own Current account, 6% demat,15% fixed deposits account and 14% salary Account Interpretation: It was found that in case of public sector banks, maximum number of account holders owns Saving Account. After Saving account most prefer account is salary account prefer by people and the next priority goes to fixed deposits Accounts. 3. The basic purpose of this question was to know the most preferred bank. Table 3. Number of respondents preferring different banks Names of Banks |Number of respondents | |ICICI Bank |24 | |HDFC Bank |22 | |State Bank Group |20 | |Punjab National Bank |28 | |Punjab And Sind Bank |6 | Analysis: From above graph, it is seen that 28% stake of the respondents follows to Punjab National bank followed byICICI bank. It is the bank which provide 12-hour banking. also the ATM mach ine is more as compared to the other private sector banks. Interpretation : From the above graph, it is seen that Punjab national is the most preferred bank as compared to other Public and Private sector Banks. The reason for preference of public sector bank is the minimum amount of deposit for saving account. 4. The aim to ask this question was to know he reasons for their preference in different banks :- Table 4:- Reason for account in different banks Reasons |No of respondents | |Friendly Behaviour of the Staff |16 | |Reliability/trust |14 | |Quick and fast services |55 | |Location |15 | Graph 4:-Reasons for account in different banks Inpretation: By analyzing this graph, we can conclude that most of the people is influenced by the quick and speedy services provided by the bank and location is given less preference than others. 5. The respondents were asked about the facilities they were availing in public as well as private sector banks :- Table 5. Number of people availing different facilities at public sector banks: |Facilities Availed |No of respondents | |ATM/Debit card |60 | |Demat |5 | |Internet/Mobile/Phone Banking |15 | |Insurance |20 | [pic] Graph 5. 1: Number of people availing different facilities at public sector banks Interpretation: From the above graph, it was found that was availed by most of the people at public sector banks was that of ATM/Debit cards which hold 90% of respondents. It is clearly observed by the graph that Insurance are neck to neck holding 20% of respondent each. 6. The purpose of this question is to know the satisfaction level they were having with their banks overall performance:- Public sector banks Table 6. 1 Satisfaction level of the customers regarding the facilities availed from the public sector banks |Level of Satisfaction |No. f respondents |%age | |Excellent |12 |24% | |Good |21 |42% | |Very Good |27 |54% | Graph 6. 1 Satisfaction level of Customers regarding the facilities availed from the public sector banks. Analysis: It was found that in case of public sectors banks, 18% of the respondents were highly satisfied ranked excellent from the products and services availed by them. 44 % were just satisfied given very good and 38% have moderate view. Interpretation: People have mixed type of view regarding public sector banks. 7. The respondents were asked that if they have given option, would they like to shift from the present banks:- Table 7 Number of customers ready to shift from present bank. [pic] Graph 7:- Number of customers ready to shift from their present bank or not. Interpretation: From this above Graph, we can conclude that the number of respondents ready to shift from their present bank is 28% while 70% customers seems to be satisfied from their bank and hence willing to shift from their present bank to other. 8. The aim to ask this question was to know whether the respondents faces any problem regarding the services provided them by their preferred bank :- Table 8 Problem faced by customers. Types of problem |No of respondents | |Time consuming |10 | |Introduction |8 | |Reference |15 | |Too many formalities |6 | |No facility of photograph instantly |4 | |No problem |6 | [pic] Interpretation: It was found that most of the respondents are facing problem of reference. Respondents also find t hat the time and too much formalities also cause problem in banks. FINDINGS OF THE STUDY More number of people have account with private banks. ? Majority of the respondents whether in public sectors or in private sector banks have savings account with banks. ? Number of problem faced by the people is more in public sector banks. ? People want a change in the behavior of the staff of the public sector banks. ? People are more satisfied form the private sector banks due to their better services provided by them in terms of speedy transactions, fully computerized facilities, more working hours (in case of ICICI bank, the number of working hour are 12), good investment Advisory services, efficient and co-operative staff, better approach to Customer Relationship Management. In private sector banks proper promotional activities should be taken up so as to make the population aware of the services provided by the banks even in rural areas. ? The facility that was availed by most of the pe ople at public sector banks was that of ATM/Debit cards. The least availed facility was that of Demat account and foreign transfer of funds. ? The facility that was availed by most of the people at private sector banks was that of Internet/Phone banking by ATM/Debit card. ? Majority of respondents do not want to shift from their present bank. ? From the above study it is clear that private banks are providing better services than nationalized banks. 5% respondents favored that private banks are providing better services than nationalized banks while 5% respondents are not agree with it. ? From the above study it is clear that majority of the respondents said that the average balance requirement for operating their saving account is between 5000-10000. 20% said it is between 10000-20000 and remaining 5% said it is between 20000-50000 in private sector banks which as compared to Public sector bank is very high. ? 40% respondents said that the bank employees never pay any attention to them and 10% respondents said that their problems are not solved by bank executives. The remaining 50% respondents give a positive reaction in the favour of bank. 0% respondents favoured that their problems are solved by bank executives and 20% respondents said they are received with smile by bank executives. So there is a mix response. ? Majority of the respondents said that the average time taken for transactions is between 25 to 50 minutes in their bank. 30% respondents said the average time taken for transaction is between 20-25 minutes, 20% said it is between 10 to 25 min. and remaining 10% said that the average time taken for transaction by their bank is 5 to 10 minutes. ? From the above study is clear that the banks do not organize any customer meets. All the 100% respondents said that their bank does not organize any customer’s meets to resolve their problems. Customer satisfaction is the demand of time, so the banks should organize customer meets to resolve the problems of their customers. ? From the above study it is clear that majority of the respondents are ready to pay nominal charges for better services provided by private banks while 40% respondents are not ready to pay any nominal charges. ? The above study depicts that 60% respondent said that their bank updates them time to time about the latest facilities and remaining 40% said that their bank doesn’t update them. [pic] SUGGESTIONS Based on the study conducted, There are some of the suggestions given by the customers of how the modern banking should be. These are the comment given by them about the improvement of the banking sector in India. ? Banks should obey the RBI norms and provide facilitiesas per the norms, which are not being followed by the banks. While the customer must be given prompt services and the bank officer should not have any fear on mind to provide the facilities as per RBI norms to the units going sick. ? Banks should increase the rate of saving account ? Banks should provide loan at the lower interest rate and education loans should be given with ease without much documentation. All the banks must provide loans against shares. ? Fair dealing with the customers. More contribution from the employee of the bank. The staff Should be co-operative, friendly and must be capable of understanding the problems of customers ? Internet banking facility must be made available in all the banks. ? Prompt dealing with permanent customers and speedy transaction without harassing the customers ? Each section of every bank should be computerized even in rural areas also. ? Real time gross settlement can play a very important role. ? More ATM coverage should be provided for the convenience of the customers. ? No limit on cash withdrawls on ATM cards. ? The bank should bring out new schemes at time-to-time so that more people can be attracted. Even some gifts and prizes may be offered to the customers for their retention. 24 hours banking should be induced so as to facilitate the customers who may not have a free time in the daytime. It will help in facing the competition more effectively. ? The charges for saving account opening are high, so they should also be reduced. ? Customers generally complain that fu ll knowledge is not granted to them. Thus the bank should properly disclose the features of the product and services to the customers. Moreover door to door services can also be introduced by bank. ? The need of the customer should properly be understood so that customer feels satisfied. The relationship value should be maintained. ? The branch should promote cooperation and coordination among employees which help them in efficient working. Maintenance of proper hierarchy should be done. A good hierarchy set up can ensure better results with in the bank. Banking sector is improving by leaps but still it needs to be improved. Proper and efficient relationship staffs having knowledge for one stop banking, customer friendly atmosphere, and better rate of interest are need of the hour. the concept of privatization has overall improved the services in all the banks. Home banking will be order of the day. Recommendations For Public Sector Banks: †¢ Bank staff should be customer frien dly and highly motivated to serve the normal customer. †¢ As far as possible, banks should reduce its documentation process while providing loans. Computerization should be done in banks at all level and the operators should de properly trained. †¢ Token system should be induced so as to minimize the waiting lines in the banks. †¢ Proper ambience in the banks can develop a healthy working culture. †¢ Quick services should be provided. For Private sector Banks †¢ 24 hours banking should be induced so as to facilitate the customers who may not have free time in the day time. It will help in facing the competition more effectively. †¢ More ATM coverage should be provided for the convenience of the customers. †¢ Customer care services should be provided by banks. CONCLUSION The customers now days are not only exposed of what type of service is being provided by banks in India but in the world as a whole. They expect much more than what is actually being provided. So the new coming banking sector has to provide and cater to all the needs of the customers otherwise it is difficult to survive in the competition coming up. They not only expect the safety of money but also best ways to invest that money which need needs to be fulfilled. Banks need to have a better outlook towards to actually what customers are requiring. Entries of the private sector banks have made the competition tougher. If a bank is not functioning properly it is being closed. So it is difficult to face these types of conditions. Here a simple philosophy can work that customers are God and we need to follow this to survive and serve better. The banking sector is poised for explosive growth. In this, scenario, it is imperative that banks adopt technology at an aggressive Pace, if they wish to remain competitive. Mani Mamallan makes a case for banks to outsource their technology infrastructure requirement, thus enabling early adoption and increased efficiencies. In the prevailing scenario, a number of banks have adopt a new deployment strategy of infrastructure outsourcing, to lower the cost of service channels. As a result, other banks too will need to align their reinvented business models. The required changes at both the business and technology levels are enormous. In a highly competitive banking markets, early adopters are profiting from increased efficiencies. BIBLIOGRAPHY BOOKS: ? Kothari C. R. (1990) Research Methodology: Method and Techniques; Wishva Prakashan, New Delhi. ? Bodie. Z, Kane. A Mracus. J : Essentials of Investments. ? Prof. E Gordon Dr. K. Natrajan â€Å"Banking Theory Law and Practice†. ? â€Å"Indian financial System Commercial Banking† by Khan Masood Ahmed ? â€Å"Banking in India† by P. N. Varshney WEBSITES: ? www. centurionbop. co. in ? www. pnbindia. com ? www. statebankofindia. com ? www. icicibank. com ? www. rbi. org. in ? www. iba. org. in ? www. knowledgestom. com ? www. igniter. com BROACHERS PAMPHLETS Broachers and pamphlets of Saving A/c QUESTIONNAIRE â€Å"Comparative Study on public and private sector banks† Dear customer, We are the students of C. T. I. E. M. T. Shahpur, Jalandhar. We are undergoing the project entitled named â€Å"Comparative Study on public and Private secto r banks† So by filling this questionnaire please helps us in completing our project. Q1. Which Sector bank do you have your account? Public (Private( Both ( Q2. In which bank do you have your Account? 1. 2. 3. 4. Q3. Which type of account do you have in the bank? Saving ( Current ( Demat ( F. D ( Salary ( Q4 In Case you have yours Account in more than one a Bank which one is your most preferred bank (Give only one bank) Q5. Rank the selection criteria for opening account with bank? Brand Image (Services ( Location ( Charges ( Q6. Kindly rank the reasons for yours preference in this particular bank? Quick and fast services (Location ( Friendly Behavior ( Reliability ( Q7. Which facilities are you availing at your bank? Atm/Debit card ( Credit card ( Insurance ( Mobile Banking ( Q8. How often do you use debit card to shop? Occasionally(Never( Q9. How much Satisfied are you with your bank’s overall performance ? Excellent(Very Good( Good ( Q10. Any Specific services you expect from your bank ? Q11. If an option is given to you, would you like to shift from the present Bank? Yes ( No ( Q12. Do you face any problem regarding the services provided by your preferred bank? If Yes Q13. Would you like to give any suggestions for the better functioning of banks in these sectors? Public Sector Private sector 16. Any other suggestions please specify ? ____________________________________________________________ ____________________________________________________________ Thanks for your valuable time given to us . We assure you that the information provided by you will remain confidential. Thanks for your co-operation. PERSONAL DETAILS. NAME-†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ AGE-†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ GENDER-†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 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Jazz Performance Review free essay sample

In the month of April, Dad Camera had a series of Jazz concerts at Discovery Green. On April 12 Pamela York and Trombone Summit with Andre Hayward and Thomas Hulled performed before a crowd of Jazz enthusiasts as well as everyday people curious as to what the sounds they were hearing were coming from. Pamela York Is a Canadian born Jazz plants, vocalist and composer (York). She was classically trained at an early age, but when she was exposed to the Likes of Bill Evans, Oscar Peterson and Diana Kraal she was hooked to jazz.She went on to receive her degree from Berkeley College f Music and later got her Masters degree as well. (York) Andre Hayward is a Houston Native that attended HASPS and has been compared to the likes of J. J. Johnson. He started playing trombone at the age of 1 1; this was no surprise as both his parents were musically inclined (Hayward). We will write a custom essay sample on Jazz Performance Review or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Thomas Hulled probably stands out most of the concert due to his foreign background. He was born in Sweden but later migrated to Houston in 1997 where he has played with the likes of Ray Charles, Barry Minimal, and Michael Bolton (Hulled).Together all these great musicians put on a ere show for the Houston audience to enjoy on a day with already perfect weather. Pamela York started off the show early on In the day, the weather was nice her music was Inviting as the audience was still settling In. One by one as she started playing the audience began to grow slowly being drawn by the smooth piano playing and vocals. She was on vocals and piano and was playing very upbeat and improvising on piano. There were also drums and an upright bass accompanying York. Her vocals were kept in basically the same range throughout never breaching far into much higher or lower tones. It was very rhythmic and upbeat. She then began playing her rendition of a traditional spiritual called Sometimes I feel Like A Motherless Child. This song felt very bluesy and had a lot of staccato piano playing. The piano notes varied from high to higher tones, with lots of chromatic sounding runs. The feeling of the song felt very neutral, sometimes going Into very dissonant sounding chords and coming back with very consonant sounding scales.After this song she transitioned into another cover but this time of Dream A Little Dream. York seemed to focus more this time on vocals then any of the other Instruments playing. I had heard versions of this song before with Louis Armstrong and Eddie Evader with his ukulele, so I was very biased to hear them with these grand and unique voices. Works version was a bit lacking seeing as she was really emphasizing on the vocals. When someone hears it with the likes of the people mentioned above its very hard to make the song your own and unique.The arrangement of hers also focused the soloing on piano, being only a trio there was no room for other instruments to really shine. In between songs there was a mix of improvisation of the drums and piano each showing off heir virtuoso skills, while the bass didnt really get much time to solo. The overall tone of her performance was much more Influenced by blues I believe, but for my taste It left a bit of a much-needed larger band to fill the emptiness at times. The bass wasnt as present as I would of liked and an Dalton of an Instrument or two could of blended very well to give the performance a fuller and grander sound. Next to head up was the Trombone Summit with Andre Hayward and Thomas Hulled with trombones added gave it a more New Orleans style sound to the mix. It was a bit ore lively and rhythmic; one could almost dance to it. The focus was more on the trombones and its soloing with felt very much improvised through most of its playing.Much like the first performance I felt the bass wasnt as present, it was overshadowed but if played a little louder it would have given it that fuller feeling. In between songs the Swedish trombonist Thomas Hulled came in to give a bit of comic relief with his anecdotes and commentary which was a nice feature that gave the performance a more relaxed and laid back feeling as opposed to Just transitioning from song to song. During each performance each trombonist would take turns soloing and often play i n unison as well. Then a song called Pilafs Polka which I believe was an original by Hulled was played.This song stood out as being an almost anthem like melody one might here at a college football game. The tempo was faster and it was very melodic throughout. The tone of the songs being played by the Trombone summit sounded like it was meant to be heard by the average person or curious Jazz listener as opposed to something that could sound very dissonant that newcomers to Jazz would be put off by. A highlight of the night was when the Trombone Summit started playing the Telethons Monk song Blue Monk, which I immediately recognized from class.The tempo was much slower than the original song and the trombone gave it a smoother legato feeling to it, which made it flow in my opinion better than it would on a sax or piano. Overall the trombonists played it safe and didnt really experiment which extremely high or low tones. Also no over the top soloing which I respect because sometimes musicians, I can plead guilty to this one as well, want to show off or pull Off fast and intense solo that might be insistent of the movie Back to the Future where Michael J Foxs character Just goes into his own world guitar soloing that the audience is left dumbfounded as to whats going on.I appreciated the fact that these musicians kept it simple and enjoyable for everyone as I saw many people drawn to come in and very few, if any, leave during the performance. I enjoyed the concert very much with the second half being a bit more to my taste than the first. It probably helped that by that time the sun was setting and that added to the mood and relaxation that the soft trombones gave off. Being able to Just listen to instrumental songs helped a bit more to enjoy the music.Sometimes hearing lyrics one starts trying to decipher what theyre saying and what the song is about and in the process forgets about the music playin g in the background. Even though the concert was free, there were no formal seats, and it was at a public park, the concert felt very classy and one that people of all ages and backgrounds could enjoy. It was a new experience for me, never having been to a Jazz concert it took me outside my bubble of music that I usually listen to and will definitely be looking out for future Dad Camera Jazz Performances. Jazz Performance Review free essay sample I was able to attend the Brad Mullah Trio in the Loeb Playhouse, with two friends of whom I am in a band with. I was excited to see what this new experience could do to inspire us in a different way. Although I have seen guest speakers numerous times at Loeb Playhouse, this was my first musical show at this venue and I was extremely impressed. Brad Mullah Trio is a trio outing with pianist Brad Mullah, bassist Larry Grenadier, and drummer Jorge Rosy.We made our way to our seats 15 minutes before the show was supposed to start, titling In to the back left side of the mall floor. I was Impressed by how well I could see the stage and Instruments while still sitting about 75% of the way back In the venue. It seemed, by my conversations, all of the students sitting around me were lust there to fulfill some part of their music class, notebooks In hand. We will write a custom essay sample on Jazz Performance Review or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page To me, this was first and foremost a great experience, which just so happens to help me write a jazz review. The trio walked on stage a bit before 8:00 PM, gave a quick wave to the audience, and began playing immediately.I was surprised to see only two PA beakers on the stage, because the sound was incredible clear. The sound wasnt loud by any means but because of the acoustics of the room and the respect of the audience it seemed as an acoustic show, other than the microphone attached to the upright bass playing out off bass amp. The bass was the only instrument I felt should have been a notch higher in volume. As they began their set, I first Just wanted to take In their own unique styles being It was the first experience I have had with these musicians.Brad had his grand piano facing so he could look at the bassist and drummer by tilting his head to the eight, but could look to the back of the stage while looking straight on rather than facing the crowd. I thought this was kind of cool, because most of the pianist I have seen do the opposite, to interact with the crowd. Larry, the bassist, seemed like the backbone for the interesting improvisation between the piano and drums. Jorge, the drummer, was my favorite spectacle of the band because of his unique style and he continued to switch up w ith the style of sticks he was using. He began with wire brushes and continued to switch out with normal solid drumstick and capitalistic. As a drummer myself, I was very impressed by how Jorge could playing with a splashily In his right hand a wire brush In his left, to create this unique sound on the fly In the middle of a song. The second song they played was a cover and In the Jazz style most similar to Bebop. It had an extreme tempo and really showed off their ability to stay tight as a group while leaving plenty room for improvising. It is hard to a differing Jazz style.Something that really stuck out to me was this trio had no problem leaving space in their music. Some musicians feel they need to be mutinously outdoing themselves and each other, playing notes for no reason (in my opinion). With Brad Emailed this was not the case, each member is constantly listening for room the may be given to improvise, or listening for when they can allow another member to begin something new or exciting with this newfound space. This group also had phenomenal volume control because each member had extreme precision, helping them to make parts of the song more potent than others.The last thing I noticed was their ability to solo without any regards to the constraints of the pacific tune they were playing. What I mean by that is, you could see and feel the trust in each other to allow each member to express their musical desires without having to step on each others toes. The first example of this was Jorge began a drum solo about midway through the show and it must have last ten minutes. He had many variations throughout the solo and there were many times where I thought they would go back into the original tune, but he pressed on.Near the end of the show, Brad Emailed started a sol o, beginning with a slow tempo, working his way onto the mist of his idea. This solo was much longer than the drum solo and was very impressive, blowing me away numerous times throughout the improvising, and showcasing many different musical ideas. For those who didnt attend, I would give my recommendation 100% for someone who has never seen Brad Emailed Trio. It was a unique experience that broadened my musical horizons and helped me to remember how much music can vary. Meddles, Martin, and Wood can to my mind first as a historically similar band to Brad Emailed Trio.Both bands are piano trios ND the instrumentation is nearly identical other than the lack of an organ with Brad Emailed. Both artists have been around for a similar amount of time, and have made a big impact in the Jazz world. They do differ in the type of Jazz they aim to play (MM-Jazz/rock Fusion; Brad Emailed Trio-Modern Jazz) but seem to be on the same page of improvising. It was interesting to see how different two piano trios could be, because I have seem MM previous to seeing Brad Emailed Trio. This concert was an eye-opening experience that I will remember for quite some time.