Short Story - 1100 Words

youd gone to the office already. Which means you got in late. Thats unacceptable. Why? Rorisang was in good hands. And I made sure I was discreet. Tell me - who is the guy? Someone I know? Is it one of the doctors you work with? Sphe, when did you meet him? Is this a new thing or an old flame? - I want to know his name. - Its none of your business. If youre sleeping around, I have a right to know who. No! You dont have any right. I dont have time for this. Whats the big deal? Just give me a name. You know who I spend time with, so... - its only fair that I know who you see. - Wait. Because you chose to tell me. I prefer not to tell you. Why are you being secretive? Its Great-Uncle Kabisi. Im sure its about the†¦show more content†¦So... are you going to work with me, or... Yes, of course... - maam. - Good. Im glad we understand each other. Gogo... Gettys ceremony is... Come on, Gogo. Why are you being so difficult? No ones asking you to be a sangoma or a prophet or something. All were saying is - be supportive of your granddaughter. Gogo, with all due respect, I understand... you dont believe in these things. But you always say the Lord tells us not to judge. Gogo, why are you judging Getty for following her path? Im not judging her! I just refuse to be part of something I dont believe in! Were not asking you to be part of it! Were only asking you... to be supportive. Gogo, youre unfair. You did some bad things that went against the Bible too. You went gambling and lost the churchs money. Did we turn our back on you? Did the church cut ties with you? Gogo, please! You know, we didnt agree with your gambling. We never turned our back on you. Instead, we helped you get through that mess. Now its your turn. Its your turn to do the same for Getz. Thanks for letting me stay here tonight. I dont want to be late tomorrow. Its your first day at your new school. Itll be fun. Making new friends... No, more like a curse. It took me ages to make friends in my last school. Now I have to start all over again. And rich kids... - Theyll see me arriving in Uncles old car. - Theres nothing wrong with his car. - WhyShow MoreRelatedshort story1018 Words   |  5 Pagesï » ¿Short Stories:  Ã‚  Characteristics †¢Short  - Can usually be read in one sitting. †¢Concise:  Ã‚  Information offered in the story is relevant to the tale being told.  Ã‚  This is unlike a novel, where the story can diverge from the main plot †¢Usually tries to leave behind a  single impression  or effect.  Ã‚  Usually, though not always built around one character, place, idea, or act. †¢Because they are concise, writers depend on the reader bringing  personal experiences  and  prior knowledge  to the story. Four MajorRead MoreThe Short Stories Ideas For Writing A Short Story Essay1097 Words   |  5 Pageswriting a short story. Many a time, writers run out of these short story ideas upon exhausting their sources of short story ideas. If you are one of these writers, who have run out of short story ideas, and the deadline you have for coming up with a short story is running out, the short story writing prompts below will surely help you. Additionally, if you are being tormented by the blank Microsoft Word document staring at you because you are not able to come up with the best short story idea, youRead MoreShort Story1804 Words   |  8 PagesShort story: Definition and History. A  short story  like any other term does not have only one definition, it has many definitions, but all of them are similar in a general idea. According to The World Book Encyclopedia (1994, Vol. 12, L-354), â€Å"the short story is a short work of fiction that usually centers around a single incident. Because of its shorter length, the characters and situations are fewer and less complicated than those of a novel.† In the Cambridge Advanced Learner’s DictionaryRead MoreShort Stories648 Words   |  3 Pageswhat the title to the short story is. The short story theme I am going conduct on is â€Å"The Secret Life of Walter Mitty’ by James Thurber (1973). In this short story the literary elements being used is plot and symbols and the theme being full of distractions and disruption. The narrator is giving a third person point of view in sharing the thoughts of the characters. Walter Mitty the daydreamer is very humorous in the different plots of his dr ifting off. In the start of the story the plot, symbols,Read MoreShort Stories1125 Words   |  5 PagesThe themes of short stories are often relevant to real life? To what extent do you agree with this view? In the short stories â€Å"Miss Brill† and â€Å"Frau Brechenmacher attends a wedding† written by Katherine Mansfield, the themes which are relevant to real life in Miss Brill are isolation and appearance versus reality. Likewise Frau Brechenmacher suffers through isolation throughout the story and also male dominance is one of the major themes that are highlighted in the story. These themes areRead MoreShort Story and People1473 Words   |  6 Pagesï » ¿Title: Story Of An Hour Author: Kate Chopin I. On The Elements / Literary Concepts The short story Story Of An Hour is all about the series of emotions that the protagonist, Mrs. Mallard showed to the readers. With the kind of plot of this short story, it actually refers to the moments that Mrs. Mallard knew that all this time, her husband was alive. For the symbol, I like the title of this short story because it actually symbolizes the time where Mrs. Mallard died with joy. And with thatRead MoreShort Story Essay1294 Words   |  6 PagesA short story concentrates on creating a single dynamic effect and is limited in character and situation. It is a language of maximum yet economical effect. Every word must do a job, sometimes several jobs. Short stories are filled with numerous language and sound devices. These language and sound devices create a stronger image of the scenario or the characters within the text, which contribute to the overall pre-designed effect.As it is shown in the metaphor lipstick bleeding gently in CinnamonRead MoreRacism in the Short Stor ies1837 Words   |  7 PagesOften we read stories that tell stories of mixing the grouping may not always be what is legal or what people consider moral at the time. The things that you can learn from someone who is not like you is amazing if people took the time to consider this before judging someone the world as we know it would be a completely different place. The notion to overlook someone because they are not the same race, gender, creed, religion seems to be the way of the world for a long time. Racism is so prevalentRead MoreThe Idol Short Story1728 Words   |  7 PagesThe short stories â€Å"The Idol† by Adolfo Bioy Casares and â€Å"Axolotl† by Julio Cortà ¡zar address the notion of obsession, and the resulting harm that can come from it. Like all addictions, obsession makes one feel overwhelmed, as a single thought comes to continuously intruding our mind, causing the individual to not be able to ignore these thoughts. In â€Å"Axolotl†, the narr ator is drawn upon the axolotls at the Jardin des Plantes aquarium and his fascination towards the axolotls becomes an obsession. InRead MoreGothic Short Story1447 Words   |  6 Pages The End. In the short story, â€Å"Emma Barrett,† the reader follows a search party group searching for a missing girl named Emma deep in a forest in Oregon. The story follows through first person narration by a group member named Holden. This story would be considered a gothic short story because of its use of setting, theme, symbolism, and literary devices used to portray the horror of a missing six-year-old girl. Plot is the literal chronological development of the story, the sequence of events

Smoking Persuasive Speech - 780 Words

I. Introduction a. Attention Getter: Each year, primarily because of exposure to secondhand smoke, an estimated 3,000 nonsmoking Americans die of lung cancer. b. Background: Tobacco were around 6,000 B.C. and was only grown in America. It was not used until Christopher Columbus had discovered it. c. Audience Relevance: This is important because it affects many people.Smoking harms every organ in the body. d. Speaker Credibility: My uncle smoked cigarettes for almost 25 years. My family would always tell him to stop but he wouldn’t listen. Soon he was diagnosed with lung cancer. My uncle stopped but his health wasn’t getting better. e. Thesis: Through my speech, I want to persuade you to not†¦show more content†¦Young teens are trying to fit in or are surrounded by the wrong crowd. They later become obsessed with it. Nicotine is a highly addictive and when it enters into the brain, it will makes your brain think it is at equilibrium. It will help you relax, reduce stress, and minimize anxiety. b. Sub-point B: Another cause, can also be influenced by social media, newspaper, and TV.Jeff Carpenter wrote on ABC News article,on November 1st, 2001, he states â€Å"the tobacco industry has altered its advertising, ads still lure teens into buying tobacco products†. Advertisements would target viewers to earn more money. Tobacco companies stopped outdoor billboards, but have taken these advertising dollars and put them into local convenience stores. Transition to 3rd Main Point: I just talked about the causes of smoking, next I will talk about an solution IV. Main Point 3: a. The solution is to don t smoke at all.There are many beneficial reasons. Sub-point A: You are saving your body from toxins like tobacco.Tobacco contains nicotine, which leads to addiction. By not smoking, you are lowering your risk of cancer. b. Sub-point B: Also, without smoking you can save lots of money.An article from Addiction Center states â€Å"There are significant financialShow MoreRelatedPersuasive Speech On Smoking1591 Words   |  7 PagesAbstract Smoking is the most preventable leading cause of death in the United States and causes many health risk such as lung cancer, and heart and blood vessel complication. My main purpose of this persuasive speech is to convince people that smoking is harmful for themselves, the people around them and their wallets. In 2015 and estimated of 36.5 million people were current smoker (Jamal, A., King, B. A., Neff, L. J., Whitmill, J., Babb, S. D., Graffunder, C. M., 2016). In addition smoking doesn’tRead MoreSmoking Persuasive Speech811 Words   |  4 Pagessmoke? Well I have. In the world there are fifteen billion cigarettes sold a day. That is ten million sold every minute! In this, I will be telling you about how smoking is bad for you, bad for the environment, and ways smoking in public can be stopped. Smoking should be banned! First of all, as almost everyone knows, smoking is bad for people. When people smoke their chances of having a heart attack go up immediately. Also the chances of getting cancer go up as well. This is because theRead MorePersuasive Speech Smoking859 Words   |  4 PagesSmoking Kills General Purpose: To persuade Specific Purpose: To persuade my audience to write their senator and urge him/her to increase anti-smoking campaign funds. Central Idea: Smoking is injurious to human health, hence, stricter/inclusive clean indoor air policy should be adequately enforced. Introduction: How many of you have seen your parent’s or grandparent’s lifespan getting cut short because of bad choices as a result of addiction to smoking? You are not alone.I hadRead MorePersuasive Speech: Dangers of Smoking Essay629 Words   |  3 Pages      Persuasive Speech Dangers of Smoking Specific Purpose: To inform the audience of the dangers of smoking and persuade them not to.   Ã‚   Introduction: 1. Did you know that smoking is the number one preventable cause of death in the United States? 2. According to cancer.org there is 440,000 deaths a year caused by tobacco. 3. On average every smoker costs their employer almost 2,000 dollars a year in lost labor.    By the end of the speech, the audience will be informedRead MorePersuasive Speech to Stop Smoking734 Words   |  3 PagesHello my name is ---------and here to persuade you to stop smoking. Smoking is not only bad for health it is also as bad for the people around you. Breathing other peoples smoke is called passive, involuntary or secondhand smoking. The non-smoker breathes side stream smoke from the burning tip of the cigarette and mainstream smoke that has been inhaled and then exhaled by the smoker. Secondhand smoke is a major source of indoor air pollution. How does this affect the passiveRead MorePersuasive Speech About Smoking1065 Words   |  5 PagesYou’ve probably heard that the American Heart Association has declared sitting as the new smoking. Chances are, your first thought when you heard this was something like â€Å"whatever†¦just one more thing that’s bad for me†. But, If sitting is the new smoking, then I could be in trouble and I bet most of you could be too. Many of us have jobs where we sit all day. The only moving around we do is to walk to the bathroom, walk to our car, or walk to someone’s office. And when we get to those destinationsRead MorePersuasive Speech About Global Warming922 Words   |  4 PagesPERSUASIVE SPEECH OUTLINE General Purpose: To persuade Specific purpose: After listening to my speech, my audience will know how they can change their lives for a bigger challenge – to save the world. Thesis: Knowing what a problem nowadays is global warming, how CO2 gas affects it and how can we change it. Title: Lifestyle to make some changes INTRODUCTION I. Attention Material: Question â€Å"DoRead MorePersuasive Speech Outline1028 Words   |  5 PagesPERSUASIVE SPEECH OUTLINE TOPIC: WHY YOU SHOULD GIVE UP SMOKING PROPOSITION: Give up smoking and you will save yourself and the others around you and live in a healthy environment. SPECIFIC OBJECTIVES/PURPOSES: I want to persuade my audience on how harmful smoking does to the body and giving up the habit is the right way to do because it will literally save their lives and the people around them and the environment as well. SPEECH PLAN ATTENTION STEP: Opening statement: Smoking†¦Read MoreRhetorical Analysis Of The Speech Why We Need End The War On Drugs 1433 Words   |  6 PagesRhetorical Analysis of TEDTalk In the speech â€Å"Why We Need to End the War on Drugs† given by Ethan Nadelmann, a drug policy reformist, Nadelmann gives a compelling and persuasive argument on how and why we should end the war on drugs. Nadelmann describes himself as the oldest son of a rabbi and a human rights activist who works to end the drug war. He urges that the drug war is very dynamic and what the United States is doing in relation to stop it is not effective. This helps launch into what heRead MoreRoutes to Persuasion Essay1374 Words   |  6 Pagesthat areidentical to the audience she/he will be perceived as smart. Also, to project animage of expertise it is necessary to speak confidently and withouthesitating. Trustworthiness of the communicator is assumed if direct eye contact is used and speech is rapid. If the speaker is seen as not trying toinfluence or is arguing a position that is against their personal interest theywill be considered trustworthy. An attractive communicator has certain qualities, like physical appeal and similarity

Hurricanes And Climate Disaster Events - 784 Words

1. Summary Hurricanes and climate disaster events caused losses exceeding $110 billion in damages and 377 deaths across the United States, in the year 2012. This makes the year 2012 the second costliest on record, after the year 2005 which witnessed $160 billion losses due to hurricanes, including hurricane Katrina. Hurricane Sandy was the major driver of substantial damage costs in the year 2012 (approximately $65 billion). During the 1980-2005 period, the United States sustained over $500 billion in overall inflation adjusted damages/costs due to extreme climate events. The analysis of available data shows a significantly increasing trend in billion-dollar disasters. The economic impact of hurricanes is huge and there is a need to improve the resiliency and the sustainability of the built environment under extreme wind events, to protect our citizens and to reduce the massive economic losses brought by hurricanes. The purpose of this project is to significantly reduce devastating hurricane ef fects on infrastructure by implementing solutions to provide strategic guidance on the aerodynamic mitigation of buildings, to help lessen roof suctions, a major source of economic losses and community disruption. In addition, solar panels arranged aerodynamically to reduce both roof suction and panel’s loads will be investigated, in an attempt to create safer and greener buildings, as well as to meet stringent wind requirements. Evidence of the need for Ph.D. student involvement: TheShow MoreRelatedThe Federal Emergency Management Agency1348 Words   |  6 Pagesstate of our currently understood weather patterns and global climate become more understood, in context, with great concern, the federal government has placed an ever larger portion of its national focus on promoting a more efficient response to such concern via disaster mitigation and management with the Federal Emergency Management Agency. A historical extension of the federal government for which is principle utilized for disaster aid and response, this agency is as much a direct extension ofRead MoreHurricane Season : New York City1234 Words   |  5 PagesIntroduction Hurricanes are destructive forces which threaten New York City annually. One neighborhood that faced massive damage from hurricanes (such as Katrina and Sandy) is the Bowery. Even to this day, the Bowery is still disheveled. There is trash on the streets, people are sleeping on the sidewalk, and rain pools in the streets and the subway. These factors slowed Bowery’s recovery rate from natural disasters. Financial devastation and maintenance issues, combined with the damage of heavyRead MoreThe Effects Of Climate Change On The World Essay1271 Words   |  6 Pagesbeing funded to research the effects of climate change. Why, some may ask. Not only does climate change affect the world around you, it affects you directly. Whether it be through air, land, or sea, the human population is not overlooked by nature. Every single person on this planet is faced with climate change symptoms on a regular basis. The focus of this paper however will be solely on how the climate change is ch anging weather patterns and natural climates to create more frequent, large tropicalRead MoreThe Big Uneasy By Harry Shearer1097 Words   |  5 Pagesâ€Å"The Big Uneasy† by Harry Shearer is a documentary about the disastrous flooding of New Orleans during the Hurricane Katrina in a different viewpoint. While mass media describe the flood as well as the hurricane as a natural disaster, Shearer claims that the flooding was actually a man-made disaster, not a natural one; and the film contains comprehensive investigations with scientific data to support the claim. â€Å"The Big Uneasy† highlights on the ineffective design and maintenance of the flood-protectionRead MoreCause Of Flooding And Its Impacts On Society1352 Words   |  6 Pages1.0 Introduction Climate change or variability is a naturally occurring phenomena that has been escalated by humans. With the transition from hand production to the use of machines during the Industrial Revolution, the burning of fossil fuels, such as oil, coal, and natural gas, used to power the machines has increased exponentially. Advances in technology has led to more fossil fuels having to be burned to sustain energy production. The issue with burning fossil fuels is that the byproduct is aRead MoreThe Effects Of Climate Change On The Environment1188 Words   |  5 PagesDue to recent climate change the environment has been impacted in many ways. Climate Change is a change in global or regional climate patterns attributed largely to the increased levels of atmospheric carbon dioxide produced by the use of fossil fuels (Oxford Dictionary). Scientists have studied the impacts it s having on the environment such as temperature rising, sea level rising, and increase in natural disasters. Climate c hange has only affected us in the 20 years due to the increase in factoriesRead MoreHurricane Katrina: A Study of the Climate Risk Management Approach620 Words   |  3 PagesResponse to Hurricane Katrina Section One The Bureaucratic/Hierarchical method is the standard disaster method used within the United States. The principle is that it is the responsibility of the local government to respond immediately to a disaster and only to seek help from the federal government when absolutely necessary. This model stems from the historical interpretation of the various government powers. The local and state government has the reserved power to dictate such local decisionsRead MoreReducing the Impact of Natural Disasters868 Words   |  4 PagesNatural Disasters are unfortunate events that can occur at any moment, anywhere in the world and have a huge effect on the landscape and the society being hit. Natural Disasters can occur due to the many natural causes such as earthquakes, hurricanes, tsunamis, floods, cyclones, landslides or due to some man-made causes such as forest fires or the use of nuclear weapons. Civil Engineering structures such as buildings, bridges, roads, dams, reservoirs, levees and other structures are severely damagedRead MoreContent Analysis Essay1326 Words   |  6 Pagesreferences facts and challenges caused by countries. The recurrence of disasters Gunnar Kuepper relates with planet management. Gunnar Kuepper devotes the first 10 sections to facts and challenges. In the last section, and in each section, the author forecasts the troubles in the future. Each of the sections references words to connect one with another. The sections include world population, economy, disaster costs, global health, climate change and global warming, environmental issues, water crises,Read MoreSci 209 Week 4 Paper984 Words   |  4 PagesOceans, Hurricanes, and the Climate SCI 209 Your Name March 01, 2010 Introduction Natural disasters occurring from the climate change could be on the rise. Global warming has been rumored to be causing more hurricanes, typhoons, cyclones, heavier monsoonal rains that cause major flooding, mud slides, and other disasters worldwide. A tropical cyclone, also referred to as hurricanes, typhoons, or cyclones, depending on where in the world the cyclone is occurring, are one of the world’s grandest

Performance Evaluation of Banking Institutions

Question: Discuss about thePerformance Evaluation of Banking Institutions. Answer: Introduction The financial authority decides for centralisation of the commercial banks or retail banking to meet certain goals. There essential features of the centralised banks are standardised processes, improvement in productivity, risk mitigation, improvement in service quality, integrated supply chain management, cost control and service outsourcing. These are the positive sides of centralisation of the banking institutions such as banks A. A group of authority at headquarter decides the interest rate, saving rates for all the branches in order to operate an integrated system. The salary of the employee is determined based on the productivity performance. Their incentives are based on number of selling differentiated products in order to gain competitive advantage in the market. The salary of the employees has been linked with the strategic objectives of Bank A. The business strategy of Bank A is to retain the market share in the face of strong competition. This bank expects a tough competi tion from Google, which already has a market power and recognition. However, in the view of Thompson and James (1967), this kind of pressure creates burden on the employees, which may de-motivate them to work efficiently. They even do not get sufficient time for the lunch break. This kind of organisation is detrimental for the growth of the organisation. As stated by Dougherty and Deborah (1992), aggressive market strategy may be profitable in short run, however, not sustainable in long run. Aggressive business strategy increases work pressure and decreases employee satisfaction. As a consequence, employee turnover may increase in Bank A affecting their profitability. Moreover, Okhuysen et al. (2009) commented that de-motivated employees fail to communicate with the customers effectively driven by the workplace frustration. Hence, miscommunication with customers may affect the profitability as the customers may shift to other financial institution, which is able to provide better services. Therefore possible recommendation for bank A is discussed here. Higher authority of Bank A requires developing a new strategy to gain competitive advantages in order to compete with a company like Google. Corporate culture practiced in this institution such as hard working is good however; this process can be implemented in other ways by improvement workplace environment. The main advantage of the Google is that this company provides employee the time and facilities for enjoying work place despite having tremendous work pressure. Banks A needs to adopt this type of organisational culture for their institutions. The central unit employed by Bank A can suggest to develop multiple and differentiated products along with savings accounts and interest on loan. Product bundling may be a strategy to get competitive advantages (Srikanth, Kannan and Puranam 2011). As suggested by Simon and Herbert (1997), technological improvement is important for centralised banks in order to integrate all the information regarding loan files. Deposits of money in different types of accounts are the primary source of investment for banking institutions. Higher interest rate encourages households to deposit more money in the bank. These resources are used by the banks to give loan to the borrowers. Return from loan is the main source of revenue to the bank (Milgrom, Paul and Roberts 1992). Therefore, the central unit can suggest bank A to raise interest on savings and reduce interest rate on loan in order to provide benefits to the customers. This strategy can increase the scope of competitive advantage in the market in order to mitigate possible threats from potential competitors. Financial product innovation is a crucial strategy for the business development. The central unit may suggest the authorities of Bank A to reduce work load from the employees. As opined by Dyer et al. (1998), incentive based performance is good as this process motivates the employees for better service. However, this practice need not be forceful. Therefore, the central unit can suggest possible ways for work pressure reduction. Bank can recruit more specialised employees as per each banking product category. The authority needs to emphasise on the high priority tasks first. Work schedule needs to be prepared according to the priority of the tasks. Employees may be given training regarding time management. Development of internal and external communication is important aspect of gaining competitive advantage. Direct conduct with customers helps to grow customer loyalty. These strategies are likely to be helpful for Bank A to mitigate possible threats and to increase its profitability both in short run and long run. Customer loyalty is very helpful for overcome th e threats of new entry in the market. Bank B is resilient to the changing environment of the market. Their business is customer oriented. Bank B gives value to the prospective stakeholders such as employees and customers. They also use performance based remuneration for their employees. Cultural environment of Bank B is very supportive for innovation in product and services as there is good collaboration among the co-workers. Moreover, flow of information within the organisation is effective for proper communication with the employees. In the view of Gavetti et al. (2012), employees are important stakeholders for the organisation and hence, they can contribute important ideas for the development of the business. Employee oriented strategy is business advantage for Bank B. Involvement of the employees in the decision making process are feasible for product innovation for Bank B. Despite having effective business strategy there are further scope for Bank B to develop their strategy to retain the market share. Corporate strategy of Bank B is stronger; however, it needs to concentrate on the business level strategy to increase their profitability. Google is a strong potential competitor in the financial market. However, the bank may take a market leadership position through cost control and revenue maximisation strategy. As opined by Milgrom, Paul and Roberts (1992), cash and asset management strategy are important criteria for cost control. Bank B can take market leadership through partnership with other banking institutions. Merger and acquisition is often helpful while intending to increase market share. Formation of cartel is effective to restrict possible entry of new firm. As cited by Srikanth, Kannan and Puranam (2011), development of information technology in banking sector improves the maintenance of electronic files regarding deposits, loans and other assets. E-banking facilities are gaining facilities in present times. Therefore, application of ICT in Bank B may b effective for attracting consumers. Value added products such as providing another service, facilities or product with a specific deposit account can be helpful for increasing revenues. Interest rate on saving account in compliance with the profit margin can attract more customers as they get higher return. Development of national payment system such as real time gross settlement, automated clearance house, automated teller machine facilities, point of selling gives greater facilities to the customer by reducing the problems of physical transaction. Bank B can be suggested to implement these types of product innovation. Technological innovation is effective strategy for long run sustaina bility. Asset and liability management is a crucial part for banking business. Banking institutions like Bank B often has to face marketing and business risk due to mismatch between the account receivables and account payables. Bank B needs to set a target to meet Basel norms in order to reduce risks. Milgrom, Paul and Roberts (1992) mentioned that the scope of banking business has enhanced after globalisation. Hence, the effect of market and exchange risk is greater no compared to before. Therefore, Bank B needs to hedge protect their business in the face of growing competition coming from both domestic and international markets. Risk mitigation strategy would be beneficial for sustainability of the business in long run. Product innovation and product differentiation are effective in short run. However, these strategise cannot give sustainability in the long run. In order to bring sustainability in the financial market, Bank B needs to ensure the collection of payments from borrowers on or before time. Development of customer is helpful in this context. The scenario presented above in the two case-studies strongly indicates the problems in the banking sector when there is threats of new entry in the market. The bank has been unable to perform as it was supposed to do. Under this circumstances two major banks which are now struggling to meet up their targets, earn a lump-sum profit and survive in the market is now struggling and seeking help from the McKinsey. The first thing that needs to be highlighted is the strategies that can be used to merge the institutions and the recommendations that can help in the post merging scenario. The term merging is defined as the process where the two companies are integrated into one single company so that they can implement their best strategies in making their business successful (Aktas, De Bodt and Roll 2013). The two banks namely Bank A and Bank B can be merged only after following the Companies Act and by abiding the corporate laws of the country. The component which helps these two banks to get merged up and be organized is as follows: Resource, Health and Culture. Resource: The chief resources of any banking institution are the employees who help in making the organization successful. Other than the employees the number of customers that the bank has also adds up to their resources. Health: The net assets of the banks and the liabilities imposed on them decide upon the health of the bank. If any bank has huge amount of asset with minimum liabilities is the target that every bank wishes to achieve. Culture: The term culture implies the work culture that exists within any institutions. In this scenario both the banks show a complete unique work culture (Froehlich, Segers and Van den Bossche 2014). The steps that the banks need in order to merge up are as follows: Identify the problems associated: Lack of innovation is the main problem along with delay in operation for our case. Other companies like Google have been trying to enter the financial market and provide better innovative service to the consumers. Under this circumstance, through the system of merger both the banks should try to deviate from their existing service and focus on the demand of the consumers and upgrade themselves accordingly. Appropriate price determination: The cost that both the banks must incur in order to merge up should be analyzed. At the same time there is a need to construct the expected benefit that may happen due to this merger. If the benefits are seen to be worthy keeping in consideration all the aspects, then only it is recommended that the banks can merge. Post-merger integration advice: It is obvious that two organizations with completely different setup is expected to face struggle and conflicts in their operations. Hence, it is advisable that the management team of these banks must integrate amongst themselves and keep a check on the workings of the employees and their satisfaction level and organize some session to advise them on their drawbacks while motivating them for their good works as well (Carletti et al. 2016). The difference between the two banks needs special mention while thinking of merging them. Bank A, being fully centralized follows the top-down process while Bank B follows bottom up process. Bank A focuses more on corporate culture and provides good incentives to its employees to motivate them. But the fundamental flaw of this institution is that it treats its employees as a machine. There is lack of communication between the employees within the branch and also with the employees of different branches. This hampers their performance to a great deal. On other hand the autonomous strategy followed by bank B prioritizes the customers and gives freedom to its employees in certain aspects of their working. This bottom up process helps in retaining the customers. Hence, it is advisable that the banks after merger should prioritize the customers and provide some liberty to the employees to work according to their convenience. It can ensure customer retention. Also regulation should be from the centre itself to maintain a equitable regulation but the organization needs to ensure that the Central control of the bank should not be the result for delay in decisions taken and thereby hampering the customer. References Aktas, N., De Bodt, E. and Roll, R., 2013. Learning from repetitive acquisitions: Evidence from the time between deals.Journal of Financial Economics,108(1), pp.99-117. Carletti, E., Ongena, S., Siedlarek, J.P. and Spagnolo, G., 2016. The Impact of Merger Legislation on Bank Mergers.Swiss Finance Institute Research Paper, (16-33). Dougherty, Deborah 1992: Interpretive Barriers to Successful Product Innovation in Large Firms. Organization Science, Vol. 3, No. 2, 179-202 Dyer, Jeffrey H., Dong Sung Cho and Wujin Chu 1998: Strategic Supplier Segmentation: The Next Best Practice in Supply Chain Management. California Management Review, Vol. 40, No. 2, 57-77 Froehlich, D., Segers, M. and Van den Bossche, P., 2014. Informal workplace learning in Austrian banks: The influence of learning approach, leadership style, and organizational learning culture on managers' learning outcomes.Human resource development quarterly,25(1), pp.29-57. Gavetti, Giovanni, Henrich R. Greve, Daniel A. Levinthal and William Ocasio 2012: TheBehavioral Theory of the Firm: Assessment and Prospects. The Academy of Management Annals, 2012, 18 Milgrom, Paul and Roberts, J. 1992: Economics, Organization and Management. Englewood Cliffs, NJ: Prentice Hall. Excerpts of Chapter 5: Bounded Rationality and Private Information, 149-159 (Section on Adverse Selection). Okhuysen, Gerardo A. and Beth A. Bechky 2009: Coordination in Organizations: An Integrative Perspective. The Academy of Management Annals, Vol. 3, No. 1, 463502 Simon, Herbert A. 1947/1997: Administrative Behavior. 4th ed. New York: Free Press. Chapter 7: The Role of Authority, 177-207 (incl. 1997 comments by Simon) Srikanth, Kannan and Puranam, P. 2011: Integrating Distributed Work: Comparing Task Design, Communication, and Tacit Coordination Mechanisms. Strategic Management Journal, Vol. 32, No. 8: 849-875 Thompson, James D. 1967: Organizations in Action Social Science Bases of Administrative Theory. New York: Transaction Publishers. Chapter 5: Technology and structure, 51-65