Personal Essay Samples For College Admissions

<h1>Personal Essay Samples For College Admissions</h1><p>Personal paper tests for school confirmations can have a great deal of effect on your affirmation possibilities. In any case, you will never know until you really do the article. In the event that you have no clue what to compose, here are some example papers that are useful recorded as a hard copy an individual exposition. Before you begin composing, it is ideal on the off chance that you acquaint yourself with the style and substance of a school paper in general.</p><p></p><p>Before you begin with any composing venture, you will locate some close to home article tests for school affirmations valuable. They will give you what sort of composing style you ought to utilize. You will discover test expositions for various subjects. A portion of these models incorporate a report, a sonnet, a self-representation, and a letter to a cherished one.</p><p></p><p>You can di scover them by composing in a specific catchphrase or by glancing in your preferred paper or magazine. On the off chance that you need more, you may even discover free examples on the web, or locate some pre-owned assets on the internet.</p><p></p><p>All of these examples share something for all intents and purpose. Every one of them highlight what I call the 'L' shape, which has numerous edges that are moved in the direction of you. The L shape is the normal component of any great essay.</p><p></p><p>These great paper tests are allowed to get to and are written as a letter. These sorts of test articles are additionally a decent reason for setting up an exposition as well.</p><p></p><p>Most authors utilize this structure since it is anything but difficult to follow and it fits a decent generally design. Utilizing this organization will assist you with accomplishing the entirety of the objectives that you had as a primary concern when you initially started your composing process.</p><p></p><p>So since you view some close to home article tests for school confirmations, you have just taken in a ton about how to compose. When you have a sample of what composing can accomplish for you, you will realize that the subsequent stage is to do it yourself.</p>

Examples of Research Papers For High School Seniors

<h1>Examples of Research Papers For High School Seniors</h1><p>While it is critical to have great instances of research papers when you are anticipating composing a paper for your secondary school senior article, this ought not be the main thought that you make when you are making an example. Secondary school seniors are continually immersed with scholarly data which isn't just confounding yet in addition difficult to stay aware of, and instances of research papers are amazingly significant to them.</p><p></p><p>Juniors are anxious to learn, and when they are given new and new ideas, they don't have to learn it first. A case of research paper will assist them with feeling increasingly certain that the idea is anything but difficult to get a handle on, however truly, this is regularly not the situation. The capacity to follow a straightforward layout and expand on your models will profit you as an understudy greatly.</p><p></p&g t;<p>When you are composing a case of research paper, there are numerous means included that you ought to recall. The most significant advance, as I would see it, is to follow a straightforward blueprint, and ensure that the model is pertinent to your own subject. I would likewise encourage you to change the guide to fit with your own data, instead of tailing it word for word.</p><p></p><p>Juniors will be progressively alright with a model that is totally unique. Also, this demonstrates the creator to be progressively inventive and intriguing and encourages the lesser to welcome the work more. A case of research paper can be made significantly progressively pertinent in the event that you incorporate an individual association between your subject and you by and by. You might need to take note of the name of your closest companion out of sight of the content to assist you with accomplishing this.</p><p></p><p>The other most signif icant thing to recall when you are composing an example of research paper is to utilize genuine instances of the subjects that you will cover. Absolutely never depend on creative mind to rouse your own thoughts. Genuine models ought to be remembered for your instances of research papers. Despite the fact that this isn't important in each model, this ought to be finished by all students.</p><p></p><p>While composing a case of research paper may appear a lot of work, your models ought to have adequate detail to help the thoughts that you are expounding on. In the event that you don't have a case of research paper accessible, feel free to make one. You should ensure that it is brief and is additionally very detailed.</p><p></p><p>Another advantage of instances of research papers is that they will give your understudies a thought of what kinds of tasks you lean toward them to embrace. Since you have given them a particular venture to take a shot at, you can have confidence that they will have the option to comprehend the point absent a lot of trouble. Likewise, it permits you to set up a reason for discussion.</p><p></p><p>Some understudies might be overpowered by the thoughts that they should manage during their senior year of secondary school, however a case of research paper will help them massively, particularly in the event that they have never needed to compose a paper. Recollect that a limited quantity of time spent will bring about colossal prizes when you turn in your last paper.</p>

The Undeniable Reality About Research Essay Topics for College Students That No One Is Sharing With You

<h1> The Undeniable Reality About Research Essay Topics for College Students That No One Is Sharing With You </h1> <h2> The Awful Secret of Research Essay Topics for College Students </h2> <p>College is a scholarly spot so endeavor to persuade the board that you're the right individual as they would like to think. Innovation is conceivably the most celebrated subject to talk about today. </p> <p>Write unmistakably and show schools how you think and precisely what you will add to the grounds. A confirmations official is much bound to remember a candidate who has a fairly explicit exposition written in a unique and idiosyncratic manner. Expound on why it will be critical to you and why you ought to get an advanced degree. In certain cases, the school will give an article subject for you. </p> <p>The possibly rule to follow when picking a point for your school paper is to choose the subject you're anxious to expound on. The understudy ought to examine a point, assess proof, gather, produce, and set an outlook regarding the matter in a ground-breaking and succinct strategy. Right now you have a lot of points to choose from and set out your considerations on paper. A mind boggling research paper point won't only take parcel of time however what's more probably won't be effectively conceivable because of its multifaceted nature. </p> <p>The perfect thing is to pick a theme that will furnish you with a chance to introduce new thoughts or a new point of view on an issue. All you will require is the correct subject. On the off chance that you conclude you should visit around one of the adage article themes referenced beforehand, a generally excellent way to deal with recount to an increasingly predominant story is to focus on one explicit second and work starting there. All you ought to give is just the exploration point and you'll have the option to state any thoughts on the off chance that you have it in your contemplations. </p> <p>Whatever school article subject you select or are doled out, try to form an incredible stand-apart exposition. Since you may see, there's a plenty of various pugnacious paper titles you may use. </p> <p>There are three sorts of pugnacious papers. Luckily, schools will contemplate you on the off chance that you decide to fuse your adoration for writing in your exposition. </p> <p>Application articles about difficulties uncover how you react to trouble to people who are truly intrigued by how you'll deal with the ensuing four years completely all alone. From nature to innovation the examinations are getting more extensive and information being increased through a great deal of research work is rising step by step. During the examination understudies may likewise think that its valuable to order an assortment of themes into significant subcategories like reusing, counting calories, wellbeing, nourishment innovation, science and the environmental factors. In case you're mistaken for various intriguing points to inquire about on the web, it's vastly improved to figure out what intrigues you the most. </p> <h2>The One Thing to Do for Research Essay Topics for College Students </h2> <p>Naturally, you may pick any theme, no one would ever realize that you're portraying experience that you never really had, however remember that it is constantly less difficult to come clean than to concoct lies. Indeed, even if you look for help from an expert, ensure they talk about something which will sound better while introducing your contention. You should think about an idea and offer some proof. The thought is to pick something which intrigues you while being able to introduce helpful data. </p> <p>Sometimes working of research subjects can be hard and troublesome as we would have no clue with regards to where to start and regardless of whether we did, we'd be making a decent attempt to choose the appropriate research themes. Your choice of a proper research subject is regularly controlled by whether the case you're keen on perusing or examining. You may even meet people that are into examine and maybe you can help one an other. In any case, when understudies request that how form an examination paper there's arrangement of steps that was demonstrated to be viable and valuable. </p> <p>Conclusion The completion of the hand crafted look into papers have become the most important single part of it. The achievement of an exploration paper for the most part is dependent upon the point, which is the reason various time is spent scanning for the right research paper subjects for undergrads. The absolute first thing you begin investigating to start your exploration is the Data. Numerous understudies that are contemplating how to create an examination paper additionally must be basic on this issue decision. </p> <h2>The Good, the Bad and Research Essay Topics for College Students </h2> <p>In different words, a proposition paper recognizes an issue and recommends a solution for that issue. 1 approach to help you with composing a theory explanation is to gain a very short, look into paper plot posting in sentence structure the key tips that you seek to create so as to exhibit your proposition. Keep on encountering that procedure till you feel you've restricted your proposition however much as could reasonably be expected. Looking into any issue about government or laws may get overpowering due to the multifaceted nature of the issues and even because of the wording of some laws.</p>

Social Criticism in William Blakes Chimney Sweeper

Social Criticism in William Blake’s â€Å"The Chimney Sweeper† ‘The Chimney Sweeper’ by William Blake criticises child labour and especially society that sees the children’s misery but chooses to look away and it reveals the change of the mental state of those children who were forced to do such cruel work at the age of four to nine years. It shows the change from an innocent child that dreams of its rescue to the child that has accepted its fate. Those lives seem to oppose each other and yet if one reads the poems carefully, one can see that they have a lot in common too. The poem was inspired by the first laws that were supposed to make the chimney sweeper’s life better, but since those laws were loosely enforced Blake wanted to draw†¦show more content†¦So at the end the reader does not have a choice but to deal with this reality and think about the boy’s situation which is what Blake intended The conditions of the places the children slept in were another point that Blake criticises. ‘He sleeps in soot instead of the early mother’s bosom or lap. But just as the mother shields the child from the intense beams of God’s love until he is able to bear them alone, so the sweeper’s soot is ironically his shield’ (Nurmi 19). As this quote states the child should sleep on the mothers lap instead of soot that a child is supposed to be loved and taken care of but instead it is sold and surrounded by blackness. I disagree with the second statement that ‘the mother shields a child from the intense beams of God’ and what it is compared to; the reason why I disagree is that Blake was not a very religious person for his time and I doubt that he meant to draw a connection between the mothers loving shield to an ironic shield of soot. This interpretation is going away too much from the original statement and there is too much imagination in this thought. Blake criticises that children were so young when they were sold to be chimney sweepers that they couldn’t talk properly yet. The reason for this was that the chimneys were so narrow an older child would not be able to crawl through. This fact is shown very clear in the first line of both poems but the picture getsShow MoreRelatedThe Depth of Social Criticism in the Little Black Boyand Chimney Sweeper by William Blake1006 Words   |  4 Pagesand â€Å"Chimney Sweeper† by William Blake expose the depth of social criticism under different circumstances. The poem â€Å"The Chimney Sweeper† has a much stronger reflection on the responsibility of religion and society to take blame for their actions in perpetuating the cycle of slavery. The children being sold into the inhuman conditions of chimney sweeping can’t get out of the dangerous line of work without assistance from adults who instead aid their suffering to continue working as a chimney sweeperRead Mo reSociological Criticism of William Blake’s Poetry Essay1506 Words   |  7 PagesSociological criticism analyzes the political, economic, and cultural aspects of literature. To examine literature from the perspective of Marxist social theory is a quintessential form of sociological criticism, as Marxism primarily deals with political and economic ideas of communism and social inequality. William Blake, a Romantic poet, frequently wrote on the topic of class oppression and his opposition to the exploitation of the proletariat by the capitalists. Blake’s ideology and preferenceRead MoreSongs of Good and Evil1545 Words   |  7 Pagesall describe William Blake’s life (Greenblatt, Abrams, Lynch, Stillinger). Blake was born November 28, 1757 in London, England and his artistic ability became evident in his early years. Blake had a very simple upbringing and had little education. His formal education was in art and at the age of fourteen he entered an apprenticeshi p with a well-known engraver who taught Blake his skills in engraving. In Blake’s free time, he began reading writing poetry. At the age of twenty-one, Blake completed hisRead MoreSocial Criticism in Blakes Chimney Sweeper and Haydens Monets Waterlilies1274 Words   |  6 PagesSocial Criticism in Blakes Chimney Sweeper and Haydens Monets Waterlilies      Ã‚   The late eighteenth century in England children as young as five years of age were bought, sold, and traded into a life that was completely at the mercy of their owner. These were children without a childhood. Almost two hundred years later America followed suit with this behavior as black Americans were forced to sit in the back of buses, use separate facilities, and attend different schools. The corruption ofRead MoreWilliam Blake s The Chimney1713 Words   |  7 PagesThe Pre-Romantic poet William Blake grew up in a world that was undergoing dramatic changes. With the Industrial Revolution in the eighteenth century, child labor became a common practice throughout Britain. The children were oppressed and had a diminutive existence and were forced to work long hours in the factories, mills, coal mines and chimneys, in dangerous and inhumane conditions. The chimneys were often only seven inches wide and only a child was small enough to fit inside and brush cleanRead MoreSoc ial Issue, Symbols, and Themes of Blake’s â€Å"the Chimney Sweeper† Poems2253 Words   |  10 Pages1922 15 March 2013 Social Issue, Symbols, and Themes of Blake’s â€Å"The Chimney Sweeper† Poems During the seventeenth century, people in England substituted burning wood with coal to use their fireplaces to avoiding paying hearth taxes. The burning of coal left soot on the interior walls of the fireplaces that needed to be removed to keep the fireplaces clean. Homes would be polluted with fumes of the coal residue if the fireplaces weren’t cleaned regularly (â€Å"A History of Chimney Sweeping†). SinceRead MoreWilliam Blake: a Marxist Before Marxism1941 Words   |  8 PagesIn his poem, The Chimney Sweeper, William Blake displays the despondent urban life of a young chimney sweeper during the coming of the industrial revolution in order to emphasize the theme of innocence through Marxism and to inform people of the harsh working conditions during the times of child labor promoting political reform. William Blake was born in London on November 28, 1757, to James and Catherine Blake. From early childhood, Blake spoke of having visions. He learned to read and wr ite atRead MoreMarxism in The Chimney Sweeper Essay examples1927 Words   |  8 PagesIn his poem, The Chimney Sweeper, William Blake displays the despondent urban life of a young chimney sweeper during the coming of the industrial revolution in order to emphasize the theme of innocence through Marxism and to inform people of the harsh working conditions during the times of child labor promoting political reform. William Blake was born in London on November 28, 1757, to James and Catherine Blake. From early childhood, Blake spoke of having visions. He learned to read and write atRead MoreSocial Criticism in William Blakes Songs of Innocence and Experience906 Words   |  4 PagesWilliam Blake was a social critic of his time, yet his criticism also reflects society of our own time as well. He mainly communicates humanitarian concerns through his Songs of Innocence and Experience; which express two opposite states of the human soul, happiness or misery, heaven or hell. Innocence; ex presses the state of childhood, into which we are all born, a state of free imagination and infinite joy. Experience;, according to Blake, is mans state when disaster has destroyed the initialRead MoreWilliam Blake As An Apprentice Essay1543 Words   |  7 PagesWilliam Blake born in London on the 28th of November in 1757 to a hosier names James and Catherine Blake with six siblings and 2 died in early age. Blake spoke of having visions in his early childhood. He saw god putting his head to the window when he was at the age of four and around the age of nine, he saw a tree filled with angels while walking through the countryside. His parents notice that he was different from his other siblings and they did not force him to attend conservative school. Blake

How to Find the Best Example of Research Paper Outline

How to Find the Best Example of Research Paper OutlineWhen it comes to writing an example of a research paper outline, one of the most important things you can do is find the best example of a research paper outline. In fact, the best place to start is with a place you have used yourself. Here is how to locate your own work at no cost or at minimal cost:First, ask around. Ask your schoolmates and friends who they use to write a research paper outline. You can also look at your students' outlines to see how they are set up. They should be writing an outline similar to yours.Second, start searching online for examples of research paper outline. The best place to look is at websites that sell paper samples. There you will be able to read about a sample of a research paper outline from someone who actually used one. This way you will be able to compare the outline with yours and make sure you are going in the same direction.Third, look for sample papers at your university or your local l ibrary. Although not always free, often times they will offer a selection of paper samples that you can choose from. This way you can look at one and get a feel for how it works before you decide to purchase a paper.Fourth, make a list of examples you want to use. When you compile your list of examples, you should write down anything that stands out to you. Make sure you don't take all of the examples that you find at face value. Look deeper and determine if the examples that you are looking at are what you really want.Fifth, put all of your examples into a file where you can find them easily. It might be a good idea to put it in your desk drawer so that you can easily find it at any time. It's also a good idea to keep a copy of each of your examples. In fact, keeping two to three examples is the absolute minimum that you should use.Sixth, use your research paper outline to write a research paper. Use examples that are similar to your examples from earlier. However, try to write a p aper that is unique to you and not something that is already out there. By keeping all of your examples, you can quickly write a paper that will set you apart from other students.By following these tips, you can use your research paper outline as a guide when you are trying to write your own paper. Using an example can help you find out what's working and what isn't so you can create a great paper that will stand out among the rest.

Imagery Essay Topics

Imagery Essay TopicsImagery essay topics should be self-explanatory. They are able to help you get more attention from your teachers, which in turn will lead to better grades. You can use an imagination essay topic as a springboard for brainstorming ideas on how to best solve a particular problem or to learn more about the subject matter.Imagery essay topics can serve as research materials or they can serve as study guides. Some of the subjects you can try are history, geography, politics, religion, science, technology, and literature. It can be a great idea to follow up with imagery essay topics with the use of your own text, just to see if you have better luck with them.So many students choose to use images to supplement their thinking, but when you look at the actual content of imagery essay topics, there are many ways to use your images. By making use of images, you not only provide a visual aide to the words you are speaking, but it can also illustrate the words that are being s poken. When you are not able to relate your ideas to images, you are limiting yourself to words, and you may be less effective in expressing yourself in your text.In addition to the questions that you are answering in your imagery essay topics, there are also points where you can use pictures to clarify something. Visuals can be used to illustrate points that you have already clarified through your sentences and paragraphs. Take, for example, this writing assignment, which describe a group of people getting together to eat food, and how it relates to a civil rights event in the area. The writer's point is a simple one, but the picture presented here actually is a great visual aid.Each person in the picture in the writing assignment looked a little different from the other person, and by focusing on each individual person, you are showing that each person was an individual being, that had his or her own thoughts and feelings. If you remember, your writing assignment deals with an ent ire group of people, so using a picture to help you clearly demonstrate this is a great way to help you connect the parts of your essay. By providing an image to back up your points, you are strengthening your overall argument.If you are trying to find out more about people who might be part of the picture, or if you are trying to understand the culture of the people you are viewing in the picture, you can always try to do it through words, but it can be difficult if you are limited to writing words and pictures. Writing an image allows you to remember what the person was like and what they were wearing, but it also helps you to better understand why they were there in the first place. Remember, pictures are powerful tools that can help you connect the dots in your essay and they allow you to describe your subject in a more personal way.Imagery essay topics are also great to help you clarify your ideas and views. Many teachers think that using images will confuse students, and while this may be true in some instances, the opposite is also true. By using images and helping to emphasize the qualities of each individual, you are actually building a better understanding of your subject.Imagery essay topics can be quite powerful, and they are sometimes even used in college as a real-life course. Students will often find that the best pictures and photos to use in their essays come from the places they usually visit on a daily basis. Take the time to take care of your students, because it is very likely that it will pay off in the end.

Pnb Project Report Free Essays

string(68) " in Hongkong at Kowloon was opened in the first week of April’09\." Research Project on Application Management of Information System in Punjab National Bank IN PARTIAL FULFILLMENT OF MASTER’S DEGREE IN BUSINESS ADMINISTRATION INDRAPRASTHA UNIVERSITY (2008-2010) Submitted by: Pratik Jain — 0781563908 Northern India Engineering College (N. I. E. We will write a custom essay sample on Pnb Project Report or any similar topic only for you Order Now C), Delhi Under the valuable guidance of: Mrs. Shaveta Kumar (Faculty, N. I. E. C) Subject: Information System Management Course Code: MS-205 Submitted on: 30 17 November, 2009 Acknowledgement This formal piece of acknowledgement is an attempt to express the feeling of gratitude towards people who helped me in successful completion of research project. I would like to express my deep gratitude to Mr. B. D Sharma (branch manager, PNB), for his constant co-operation. He was always there with his competent guidance and valuable suggestion throughout the pursuance of this research project. Special thanks to Mrs. Shaveta Kumar, my internal coordinator who guided me to work honestly and to give valuable suggestion for improving my work. Above all no words can express my feelings to my parents, friends all those persons who supported me during my project. I would also like to thank almighty God for his blessings showered on me during the completion of project report. INDEX | | | | | |S. NO |Sub Topic |Topic Name |Page Number | | |S. NO | | | |1. |Acknowledgement |2 | |2. |COMPANY PROFILE | | | |1. |Origin – Punjab National Bank |4 | | |2. |Profile |5 | | |3. Vision and Mission |6 | | |4. |Financial Performance Comparison |7 | |3. |INFORMATION SYSTEM IN PNB | | | |1. |History of Information System in PNB |8 | | | |1. 2000- The Beginning | | | | |1. b 2001-2003- Long Term Strategy | | | | |1. c 2004-2007- Growth | | | | |1. d 2008- Rural Initiative | | | | |1. 2009- 100% CBS Implementation | | | |2. |Other Banking Applications |12 | | | |2. a Straight to Processing (STP) | | | | |2. b Depository Setup | | | | |2. Bank Mate EDI | | | |3. |PNB IT Setup |13 | | | |3. a Systems | | | | |3. b Network Design | | | | |3. Storage, WAN Connectivity | | | | |3. d Security Systems | | | | |3. e Hardware Software Resources | | | |4. |Organizations Other Computing Resource |15 | | | |4. Payroll TPS | | | | |4. b Online Assistance | | | | |4. c Account Opening – MIS | | | | |4. d SPNS, RTGS Mobile Alert Service | | |4. IMPACT OF INFORMATION SYSTEM | | | |1. |Finacle’s Impact |16 | | |2. |Impact on Employees, Customers |17 | |5. |Available Alternatives |18 | |6. |Conclusion |19 | |7. Suggestion |20 | |8. |References |21 | Company Profile – Punjab National Bank Origin Established in 1895 at Lahore, undivided India, Punjab National Bank (PNB) has the distinction of being the first Indian bank to have been started solely with Indian capital. The bank was nationalized in July 1969 along with 13 other banks. From its modest beginning, the bank has grown in size and stature to become a front-line banking institution in India at present. |[p|A professionally managed bank with a successful track record of over 110 years. | |ic| | |] | | |[p|Largest branch network in India – 4668 Offices including 432 Extension Counters spread throughout the country. |ic| | |] | | |[p|Strategic business area covers the large Indo-Gangetic belt and the metropolitan centers. | |ic| | |] | | |[p|Ranked as 248th biggest bank in the world by Bankers Almanac, London. |ic| | |] | | |[p|Strong correspondent banking relationships with more than 217 international banks of the world. | |ic| | |] | | |[p|More than 50 renowned international banks maintain their Rupee Accounts with PNB. |ic| | |] | | |[p|Well equipped dealing rooms; 20 different foreign currency accounts are maintained at major centers all over the globe. | |ic| | |] | | Profile With its presence virtually in all the important centers of the country, Punjab National Bank offers a wide variety of banking services which include corporate and personal banking, industrial finance, agricultural finance, financing of trade and international banking. Among the clients of the Bank are Indian conglomerates, medium and small industrial units, exporters, non-resident Indians and multinational companies. The large presence and vast resource base have helped the Bank to build strong links with trade and industry. With over 38 million satisfied customers and 4668 offices, PNB has continued to retain its leadership position among the nationalized banks. The bank enjoys strong fundamentals, large franchise value and good brand image. Besides being ranked as one of India’s top service brands, PNB has remained fully committed to its guiding principles of sound and prudent banking. Apart from offering banking products, the bank has also entered the credit card debit card business; bullion business; life and non-life insurance business; Gold coins asset managementsbusiness,setc. Since its humble beginning in 1895 with the distinction of being the first Indian bank to have been started with Indian capital, PNB has achieved significant growth in business which at the end of March 2009 amounted to Rs 3,64,463 crore. Today, with assets of more than Rs 2,46,900 crore, PNB is ranked as the 3rd largest bank in the country (after SBI and ICICI Bank) and has the 2nd largest network of branches (including three overseas offices). PNB has always looked at technology as a key facilitator to provide better customer service and ensured that its ‘IT strategy’ follows the ‘Business strategy’ so as to arrive at â€Å"Best Fit†. The bank has made rapid strides in this direction. Along with the achievement of 100% branch computerization, one of the major achievements of the Bank is covering all the branches of the Bank under Core Banking Solution (CBS), thus covering 100% of its business and providing ‘Anytime Anywhere’ banking facility to all customers including customers of more than 2000 rural branches. The bank has also been offering Internet banking services to the customers of CBS branches like booking of tickets, payment of bills of utilities, purchase of airline tickets etc. Towards developing a cost effective alternative channels of delivery, the bank with more than 2150 ATMs has the largest ATM network amongst Nationalized Banks. With the help of advanced technology, the Bank has been a frontrunner in the industry so far as the initiatives for Financial Inclusion is concerned. With its policy of inclusive growth in the Indo-Gangetic belt. The Bank has launched a drive for biometric smart card based technology enabled Financial Inclusion with the help of Business Correspondents/Business Facilitators (BC/BF) so as to reach out to the last mile customer. The BC/BF will address the outreach issue while technology will provide cost effective and transparent services. The Bank has started several innovative initiatives for marginal groups like rickshaw pullers, vegetable vendors, dairy farmers, construction workers, etc. The Bank has already achieved 100% financial inclusion in 21,408svillages. Backed by strong domestic performance, the bank is planning to realize its global aspirations. In order to increase its international presence, the Bank continues its selective foray in international markets with presence in Hongkong, Dubai, Kazakhstan, UK, Shanghai, Singapore, Kabul and Norway. A second branch in Hongkong at Kowloon was opened in the first week of April’09. You read "Pnb Project Report" in category "Essay examples" Bank is also in the process of establishing its presence in China, Bhutan, DIFC Dubai, Canada and Singapore. The bank also has a joint venture with Everest Bank Ltd. EBL), Nepal. Under the long term vision, Bank proposes to start its operation in Fiji Island, Australia and Indonesia. Bank continues with its goal to become a household brand with global expertise. Amongst Top 1000 Banks in the World, ‘The Banker’ listed PNB at 250th place. Further, PNB is at the 1166th position among 48 Indian firms making it to a list of the worldâ€⠄¢s biggest companiesscompiledsbysthesUSsmagazines‘Forbes’. Punjab National Bank continues to maintain its frontline position in the Indian banking industry. In particular, the bank has retained its NUMBER ONE position among the nationalized banks in terms of number of branches, Deposit, Advances, total Business, operating and net profit in the year 2008-09. The impressive operational and financial performance has been brought about by Bank’s focus on customer based business with thrust on SME, Agriculture, more inclusive approach to banking; better asset liability management; improved margin management, thrust on recovery and increased efficiency in core operations of the Bank. Vision and Mission Vision To be a Leading Global Bank with Pan India footprints and become a household brand in the Indo-Gangetic Plains providing entire range of financial products and services sssssssunder one roof† Mission â€Å"Banking for the unbanked† Performance Comparison over the years [pic] During the FY 2008-09, the bank achieved a net profit of Rs 3,091 crore, maintaining its number ONE position amongst nationalized banks. Bank has a strong capital base with capital adequacy ratio at 14. 03% as on March’09. As on March’09, the Bank has the Gross and Net NPA ratio of 1. 77% and 0. 17% respectively. During the FY 2008-09, its’ ratio of priority sector credit to adjusted net bank credit at 41. 53% agriculture credit to adjusted net bank credit at 19. 72% was also higher than the respective national goals of 40% 18%. Information System in PNB History of Information System at PNB 2000 – The Beginning In March 2000, the penetration and use of IT was not very high at PNB. PNB was relying on manual processes to collect, store, and analyze business data. Its retail branches were not connected and it was difficult for management to understand business drivers and impediments. This situation made it difficult for PNB to provide optimum customer service and resulted in lost opportunities. Manual operations were also costly to support. The bank used seven different software, which ran on 13 different flavors of UNIX, on standalone PCs. The 500-odd branches were not networked and only 35 percent of the bank’s business was computerized. The overall expertise in IT among users was low. The Central Vigilance Commission (CVC) issued a directive to the bank to computerize at least 70 percent of its business by December 2000. This prompted the bank to work out a strategy to tackle the daunting task in the short period of time. At that time there were various factors which caused a barrier in implementing an Information System for centralized banking. These weaknesses were:- †¢ Different Unix OS used in different branches. †¢ Different standalone financial applications on PCs at different branches. †¢ Lack of interoperability due to disparity in systems. †¢ Limited expertise on the software packages currently deployed. †¢ Most branches did not have a proper LAN in place. PNB hired a consultant and devised a two-pronged plan of action. The plan comprised: †¢ A short term goal – To meet the CVC deadline of 70 percent computerization. †¢ A long term goal – To create a dependable core banking infrastructure and build a nationwide network to connect different branches to the core infrastructure. PNB chose a product from a company called Nelito. It was a DOS-based, ‘Partial Branch Automation’ application. Standalone versions were chosen since there weren’t LANs in place, and deployment of LANs at branches would take so long that the CVC deadline couldn’t be met. The interface was simple in design, and thus easy for the bank personnel to use. The bank requested CVC for an extension of the deadline and was granted time till March 2001. By March 2001, 70. 60 percent of the bank’s business was computerized. 2001-2003 – The Long Term Strategy In the long-term, PNB wanted a technology that would consolidate all its business resources and sustain the bank’s future growth. It also wanted to create its own network, which would play a vital role in its success. Three consultants were appointed to review technology options for long-term adoption. The verdict of the consultants was to deploy a centralized core banking architecture. On 30 March 2001, the bank used the services of Infosys for the deployment of Finacle. A core team was selected, which would be the heart of the project. Infosys trained 200-odd personnel from a core team over six months. The core team modified and customized the package according to its specific needs. As the time passed besides making a mark in terms of revenues, the bank— among the few technology-savvy PSUs—set up examples for other banks, especially PSUs in early of this decade. Institute for Development and Research in Banking Technology (IDRBT), a division of the Reserve Bank of India (RBI), presented PNB with the award for excellence in banking technology in 2002. This was quite an achievement considering that the technology transformation started only two-and-a-half years back at PNB. In March 2000, the bank had only 36 percent of its businesses covered on computers, as against 84 percent in 2002. PNB purchased servers, security infrastructure, and storage equipment and decided to house it in its own central data center in New Delhi. A lot of infrastructure from Cisco has been used to build the data center. In April 2002 the bank rolled-out Finacle in 7 branches as a pilot venture. This was done because the bank had seven different application packages, and it wanted to ensure smooth migration of the data into Finacle. By mid May 2002, all data from other software was successfully migrated into Finacle and by end of year, the number of locations has increased to 12. As far as the centralized core banking system is concerned, PNB has a data centre at the corporate office and all these 12 centers have an extension to that data. This system enables an individual having an account in any of our branches to conduct transactions/operate the account from any of these 12 branches. 2004-2007 – The Growth Stage In 2004, India’s National Association of Software and Service Companies (NASSCOM) nominated Punjab National Bank (PNB) as the best user of technology in its sector. The bank continued to spread the technology to more of its branches and centers. The adoption of Core Banking Solution not only ensured standardization of products, but also enabled quick launch of the new and innovative financial products ensuring sufficient lead time to market it. The core banking solution offered seamless platform for integrating various such initiatives and also reduces the cost of transaction, thereby offering financial products at an affordable cost. On May 27,2004 Punjab National Bank (PNB) has introduced Loans and Advances Data Desk for Evaluations and Reports, (LADDER), a computerized management information system for rationalization of returns, asset classification and provisioning, credit monitoring and NPA management. The implementation of the system comprised two modules. The first module would require branches to capture data on borrowal accounts as a | |one-time activity with transaction updates at periodic intervals. | |   | |The second module for implementation of the software envisages collection of information on the loan accounts from the stage of receipt of | |application to disbursement of sanctioned loans. | | |With the implementation of this system, manual collation of a large number of loan-related returns become redu ndant and branch staff | |concentrated on business development and objective monitoring of asset quality. | 2008 – Rural Initiative Infosys Technologies Ltd (Infosys) and Punjab National Bank (PNB) in 2008 announced that PNB has chosen Finacle from Infosys to power its core banking initiative for rural banking deploying Finacle across PNB’s six Regional Rural Banks (RRBs) covering 1300 branches. Punjab National Bank took lead in business excellence and commitment to customers by providing core banking coverage to its 4850 service outlets. Due to the remoteness of rural branch locations, there were issues such as connectivity of branches for operational ease, centralization of data, and enhancement of customer service as well as innovation in banking products. Moreover, all this is needed at a substantially lower cost for RRBs as their operations were relatively less complex. Finacle from Infosys recognized this need of RRBs and adapted its industry leading core banking solution to suit the requirements of these institutions. PNB management selected this platform to transform and standardize the operations of its RRBs. A majority of Indian banks were already ahead in terms of adoption of new age technology. Extending the benefits of technology to RRBs helped sponsor banks in not just priority sector lending but also present an additional business avenue with tremendous potential. Finacle enabled RRBs to better manage audit processes, adhere to statutory compliance, enhance internal MIS requirements and offer customers competitive services on par with commercial banks. 2009 – 100% CBS Implementation In Feb, 2009 India’s second largest public sector bank, announced that it has completed 100 per cent core banking implementation at its 4604 branches and extension counters through the FinacleaUniversalaBankingaSolutionafromaInfosys. The bank implemented industry-leading Finacle CBS across its operations running a flexible and scalable database platform from Oracle and innovative and cost-effective Sun SPARC enterprise serversafromaSunaMicrosystems. Finacle has enabled the bank to consolidate and centralize its operations, improving branch efficiency and productivity per employee. Consolidation has also resulted in reduction of revenue leakage and cost, while increasing ease of technical support and maintenance at branches. The solution’s scalability has also enabled the bank’s scalability to be the best in the countryawithatheanumberaofapeakatransactionsaata3. 5amillion. Further, the bank has covered all the branches under CBS platform including extension counters. As a result, 38 million PNB’s customers are enjoying the facility of â€Å"one bank – one account†. In addition, the bank has intended to build a data center capable of handling business of 6000 branches and 1 lakh terminals. The bank was awarded â€Å"IBM green award† for adopting environment friendly technology for data warehouse implementation during the year. Other Banking Applications The banking major also introduced a number of value added services like ATMs, Tele-banking, SMS banking, mobile banking and Internet banking, remote access facility through its website, etc. under a license from RBI to launch Internet banking. The bank also enabled customers to avail of the Straight to Processing (STP) facility. The biggest advantage of STP is that if a person with an account in Delhi deposits a cheque in Chennai, his account in Delhi gets updated the same day. PNB’s team has also customized this package to suit the typical requirements of a public sector bank. â€Å"As PNB handles huge number of government accounts—public provident fund, deposit of income tax, deposit of different duties and treasury payments, PNB had to customize it and also built a module for government businesses into this package. The bank also has a depository set-up (to store dematerialized share certificates) at its corporate office in New Delhi and another in Mumbai. Customers owning shares and bonds can deposit them at these depositories after which the hard copies are destroyed. The bank, on the other hand, keeps a digital copy of all these documents. Thus, one does not have to bother about the loss of paper, or a signature that does not match and so on. Customers can now instruct the bank at any point of time to transfer these securities. Another very interesting development with PNB is its contract with Indian Railways. It is putting up an ATM machine at the New Delhi station’s reservation office, which is going to be a interface between the Railways’ server and the bank’s server. Once this is functional, customers can collect their tickets from the ATM machine and the payment can be made using credit or debit cards. Once this is successful and the interface is done, the bank plans to enable all their ATMs across the country on this platform. Electronic Data Interchange (EDI) is another technology initiative that the bank has taken up. It has entered into an agreement with the Customs department wherein the Customs’ server is connected with the bank’s corporate office server, which is further connected to several branches of PNB and also to importers. Thus, whatever duties are required to be deposited with the Customs department can be debited from the importer’s (read customer’s) account automatically. The pilot project for this has already been carried out and the bank plans to introduce this service soon. The PSU has also introduced bilingual software known as Bank-mate. With the help of this software one can generate reports in Hindi and also can get his/her passbook in Hindi. This is already in operation at around various branches and PNB is also getting orders for this package from other banks. PNB’s IT Setup PNB also has a number of applications running on its network like any other Financial Institution. The bank has standardized all its platforms on UNIX operating system and RDBMS on Oracle. Other OS like Microsoft’s windows 2000/ XP are also enabled in centers. As far as the hardware platform is concerned, PNB has Sun Microsystems’ Web servers at the data centre. Apart from this, they are also using Compaq, IBM and Xeon servers. At some locations, the bank is still using DOS machines to run some of their ATMs. Systems Before deploying the core banking architecture, PNB used servers which were NT-based, from IBM, and from other vendors. The bank conducted benchmarking tests for Finacle on various server platforms. And it was satisfied with the performance of Sun’s hardware on Solaris. Sun’s Fire servers, Solaris OS, and Oracle’s RDBMS are now in use. Network design Cisco has tied up with PNB to evolve the network design and implement a nationwide network backbone to connect all its offices. Cisco will assist the bank in understanding and implementing the various technologies associated with the project. The converged network infrastructure allowed PNB to standardize the applications and software needed to provide the banking services. The various branches are connected to the data center using new-world routing and switching technologies. Storage systems The bank has followed RBI’s storage requirement guidelines. Provisions have been made to store transaction data for around 10 years. In some cases, data is stored permanently. Around 164 Sun enterprise class servers are used in DAS architecture. The total capacity is of multiple TBs. The Sun hardware uses an in-built storage management tool. Later look over a storage management application from VERITAS. WAN and connectivity 101 branches of the bank were on a WAN in 2000. The bank put 500-odd branches on the WAN in 2002, and in three years the WAN had 2000-odd branches. The bank tried a number of connectivity options. 802. 11b wireless connectivity was installed in five branches to begin with. The bank then explored the option of leased lines and used connectivity from MTNL and BSNL. It also used Bharti’s leased line between Mumbai and Delhi. The bank also used Reliance Infocomm’s fiber optic backbone along with the leased lines in locations where the optic fiber does not reach. PNB had appointed HCL Com-net to carry out 24Ãâ€"7 monitoring of the countrywide network. There’s a live link between HCL and PNB’s IT head office. The network is monitored remotely and can also be viewed at the bank’s IT facility, where a separate monitoring system is used. Security Systems Security was especially important because the bank could afford no compromise. The security architecture had to be robust, reliable, and scalable to meet current and future needs. Cisco was chosen as the service provider who could meet these stringent requirements. The bank uses a range of security products like Firewalls and IDSs from Cisco for its security needs in its LANs and WAN. All data transactions between its routers and switches are encrypted. It has appointed Ramco Systems as the security integrator. The security integrator is responsible for the complete security infrastructure and is answerable for any security breach or lapse. The bank appointed security administrators. VeriSign provided the necessary Public Key Infrastructure (PKI) to the bank for secure transactions. Software Resources PNB is using various software’s for its operational activities for its smooth and efficient running, the Software used by PNB include:-  ¬ Microsoft office 2003 Acrobat Reader  ¬ Bank-mate  ¬ Attack Filters: – Spyware, Trojan, VoIP etc.  ¬ Protocols: – IP, VLAN, DNS, HTTP, FTP, TCP, TELNET, UTP etc.  ¬ Operating System’s:- UNIX, Solaris, Windows NT, 2000 Server, XP etc..  ¬ Databases: – MS Access, MS SQL, Oracle, FoxPro. Hardware Resources To fulfill the requirement and as per compatibility with software these hardware a re used:-  ¬ HCL, IBM etc Desktops,  ¬ Printer  ¬ NT Based servers from IBM,  ¬ Sun’s hardware for Solaris,  ¬ Network Cards.  ¬ Routers, Scanners etc†¦ Organizations Other Computing Resources Payroll Transaction Processing System Payroll TPS, which is a typical accounting transaction processing system found in PNB. A payroll system keeps track of the money paid to employees. The master file is composed of discrete pieces of information (such as a name, address, or employee number) called data elements. Data are keyed into the system, updating the data elements. The elements on the master file are combined in different ways to create reports of interest to management and government agencies and to send paychecks to employees. Management notices the record of the employee’s efficiency to work and may declare added bonus or other incentive. This report is checked and approved by the branch manager after which cheque is issued to the employee. Online Assistance PNB provides its customers online assistance by providing i-banking, online complaints, providing them information about various products and services. These complaints and assistance are processed by customer care services executive. Account Opening In account opening the MIS is used, every information about the customer is recorded like their name, address, account, type of account, account information, their sample signature, these helps in Identification of customer instantly and creating a database at faster rate. This includes the filling of KYC and AC forms. SPNS (Shared Payment Network System) Swadhan, the first SPNS launched in Mumbai by IBA. The banks that participate on this network could issue the cards to customers for transacting on networks. RTGS (Real Time Gross Settlement) RTGS System is a payment settlement system that minimizes the credit risk in the prevalent cheque clearing system. Under RTGS the funds are settled on a near real time basis across Banks in different locations. Bank offers this immediate electronic fund transfer facility to RTGS enabled bank branches across through the country its designated RTGS enabled locations. Mobile Alert Service The clients now have the facility to subscribe to Mobile Alert Service for receiving alerts on registered mobile phone numbers instantly after the funds are pooled. Impact of Information Systems An information system is there to empower its users. A database simply provides data, but an information system is all about providing the best information the user needs to do their task more effectively. It also takes into account that different users doing their own specific tasks may need to see their information presented in differing ways. The benefits of an information system follow when the user can quickly access, understand and respond correctly to that information. The implementation of Information Systems in PNB and other financial institutions had a vast impact on the Employees (the way they work), Customers, The industry Government. The system provides information on the past, present and project future and on relevant events inside and outside the organization. Finacle’s Impact Finacle core banking solution is a comprehensive, integrated yet modular business solution that effectively addresses the strategic and day-to-day challenges faced by banks. It is highly parameterizable providing that much-needed flexibility to adapt to a dynamic environment. The solution has an integrated CRM module enabling banks to offer a rich and differentiated value proposition to customers. The layered Service Oriented Architecture (SOA), STP capabilities, web-enabled technology and 24 X 7 operations ensure multi-channel, multi-country and multi-currency implementations. The functionality-rich modules in the solution provide banks with a varied palette of features to continuously innovate on their product and service offerings. With Finacle core banking solution, banks can meet the challenges of managing change, competition, compliance and customer demands effectively. †¢ Differentiated Product Spread Finacle core banking solution offers an unlimited palette of features for banks to design and deploy products for varying market segments. The product bundling capabilities of the solution offers a wide range of possibilities for banks to create products with innovative features. The facilities provided for differential pricing, channel rules and customization through Finacle Studio – the scripting engine, empower banks to continuously innovate and extend their suite of products, across segments. †¢ Agile Operations The Service Oriented Architecture (SOA) enables the IT team at the bank to effect changes without touching the base code, ensuring lesser vendor dependency and faster adaptability to changing business conditions. Robust Cross-sell Framework The CIF and CRM capabilities in Finacle offer a unified view of the customer across the entire solution and across multiple back-end applications, enabling the bank to view the customer from a completely informed angle. This empowers banks to effectively manage customer relationships and aggressively explore cross-sell opportunities. †¢ Increased Operatio nal Efficiencies and Productivity Finacle core banking solution supports business events automation and process orchestration, thus eliminating manual tasks and reducing process time. The elimination of error and data redundancies also results in increased branch productivity. Straight through Processing (STP) abilities enhance reduction in turnaround and processing time, increasing output and enabling speedy completion of tasks. The multilingual web-based single repository of information enables remotely located bankers to collaborate and transact seamlessly. Impact on Employees Information System serves employees with user friendliness, easy storage and access of data, removal of redundancies, fastening up of the processes and providing up of multiple views at same time. In beginning the issues were mostly cultural. Most staffers were used to working in a manual environment, and some had worked in standalone environments. In the new networked environment, personnel at the node/counter didn’t actually ‘see’ the transactions updating in the various account books. This gave rise to a number of queries and suggestions from personnel. It took around six-eight months for the personnel to felt that the environment ‘change’ had done them good, and they were used to working on the systems. Other Available Alternatives The Indian banking sector is slowly coming of age and hand grooming this sector is the banking solution market, which has carved a name for itself in the global arena. Not to forget the pro-active government reforms that are helping the Indian banking market reach greater heights and adding glitz and glamour to Indian economy as a whole. Other then Finacle from Infosys there are various available alternatives for which the banking industry and financial institutions can opt. These are:- †¢ Office Accounting Professional 2009 †¢ SAP ERP Financials †¢ Tally 9: Financial Accounting and Inventory Management Software †¢ Flexcube – ‘i-flex solutions’ Hyperion Financial Management – System 9 While in past i-flex solutions’ flagship product Flexcube has been rated the #1 banking product in the world by UK based IBS, an independent banking solutions rating vendor, but Infosys Technologies’’ Finacle doesn’t took long en ough to overtake Flexcube. But now a day’s SAP ERP programmes are giving a tough competition to Finacle. Conclusion A management information system is a system or process that provides the information necessary to manage an organization effectively. MIS and the information it generates are generally considered essential components of prudent and reasonable business decisions. This report starts with the Punjab National Bank with overview of PNB followed by history of information system and the steps taken by PNB to be effective in banking industry by using information’s technology. Information Technology (IT) innovations in the last few years have changed the landscape of banks in India. Today, IT seems to be the prime mover of all banking transactions. Electronic and Information Technology together are bringing a swift change in the way banks operate, especially offering better delivery channels and customers’ friendly services. Anywhere banking, telebanking, mobile banking, net banking, automated teller machine(ATMs), credit cards, debit cards, smart cards, call centers, CRM, data warehousing have totally transformed the banking industry. Today almost all the major banks in India like ICICI Bank, UTI Bank, Citibank, Standard Chartered Bank, ABN Amro, SBI and PNB are offering online services to their customers. ATMs have emerged as the most favored channel for offering banking services to the customers in the world. One of the biggest benefits that the bank has derived out of IT has been the tremendous saving on recruitment front—the bank has not recruited more staff even while the business and work pressures have gone up five times. Consequently, PNB’s profitability has also increased. To train users the bank has set up more than 15 computer training labs across the country. It explains all the TPS how the transactions are made by the bank, using of these TPS from the new events such as account opening, new allowances etc†¦ to the routine work including cash and payments record, updating of records, payroll and the processing of the complaints. These TPS holds all the activities from the manager and employees to the customers. The report discuses the inbound and the outbound logistics and relate all the processes of TPS used in the bank with the Information System is enabling the bank to provide the quality and satisfactory services to their customers. Suggestions The bank is using information system efficiently and it has increased the customer satisfaction, efficiency, data storage, fast data retrieval. But to improve more and regarding future success of PNB here are the some suggestions. The bank must update Hardware to get maximum performance from Information Systems in order to allow the IS to procure the least amount of system resources it requires for functioning.  ¬ The bank should update all their software, networks etc to keep information system up to date for competitive edge, customer satisfaction.  ¬ Steps should be taken to increase the safety to avoid the unethical practices like phishing.  ¬ Need for improved training for using Information Technology and tools to employees.  ¬ Intra firm communication should be improved. References Websites:- http://www. networkmagazineindia. com/200305/tech4. shtml http://www. expresscomputeronline. com/20021202/banks7. shtml http://www. business-standard. com/india/news/pnb-to-implement-loan-data-software/151819/ http://www. financialexpress. com/news/pnb-in-networking-pact-with-cisco/64296/ http://www. pnbindia. com/ http://netpnb. com/ Books:- PNB Vision 2007-2008 Zonal Training Centre Guide. ———————– (The name you can bank upon) All Banks Average Punjab National Bank (Performance Chart) (Amount in Rs Crore) How to cite Pnb Project Report, Essay examples