S.R.PADALA & NVS SURYANARAYANA

Granting of advances is the primary function of a bank. A major portion of its funds is used for this purpose and this is also the major source of bank's income. However, lending money is not without risk and, therefore a banker must take proper precaution in this respect is discussed below.

Simultaneously the borrowers by having their required loans are starting their career and are being. In the same time unemployment problems are being solved to some extent. But if the banks after providing loans does not monitor or supervise the borrowers then many a times the loans become NPA(non-performing Assets). Under prudential norms, total advances or loans of a bank are classified under four segments depending on the performing of assets.

Women are equal partners in the over all growth and development of the family, community and society. Women have been given a position of pride in every religion. In Islam, Christianity, Hinduism and other religions they are respected and due importance is given to their role and rights. In the Holy Quran a complete Sura, "Sura-i-Nisa" is devoted for the role, welfare, rights and duties of the women.

High level stress affects the individual directly and through them, their families and organizations are also affected. Therefore, efforts should be made to overcome the negative consequences of high stress. Diagram presents the situation in which individuals need support to overcome stress.

The market preference is highly regional based. While cola drinks have main markets in metro cities and northern states of UP, Punjab, Haryana etc. Orange flavored drinks are popular in southern states. Sodas too are sold largely in southern states besides sale through bars. Western markets have preference towards mango flavored drinks. Diet coke presently constitutes just 0.7% of the total carbonated beverage market.

In every factory, every dangerous part of any machinery should be securely fenced by safeguards of substantial construction which shall be constantly maintained and kept in position while the parts of machinery that they are fencing are in motion or in use.

Capital Budgeting may also be defined as "The decision making process by which a firm evaluates the purchase of major fixed assets. It involves firm's decision to invest its current funds for addition, disposition, modification and replacement of fixed assets.

The costs of accidents are enormous in suffering to the injured, in reduction or loss of earnings, in disabilities and incapacities which afflict those involved and in compensation, insurance and legal costs, in lost time, filling in reports and attending to enquiries, and in spoilage of materials, equipment and tools to management.

There are many methods for evaluating the profitability of investment proposals. The various commonly used methods are

Various rates and ratios can be computed to indicate the progress the safety department is making in its job to employees and management. These rates can be computed periodically, say, on a quarterly basis, both for the company as a whole and for each line department.