Wednesday, May 20, 2020

Rising Youth Obesity Rates in America - Free Essay Example

Sample details Pages: 7 Words: 2023 Downloads: 7 Date added: 2019/03/22 Category Health Essay Level High school Tags: Obesity Essay Obesity in America Essay Did you like this example?   Rising Youth Obesity Rates in America and How to Lower them Chris Liberta Intro Childhood obesity is one of the biggest health risks of the 21st century. In 2014, the global number of overweight children under the age of 5 years was estimated to be over 42 million, 31 million of them living in developing countries (Farpour-Lambert 2015). The number of obese people youths has been increasing for the last two decades. Some shocking statistics that I found were that according to the 2015-2016 National Health and Nutrition Examination survey, the number of white youths who were labeled as having obesity was 14.1%. Another set of shocking stats for obese youths is that 20.6% of youths aged from 12-17 had obesity with 7.7% of them having severe obesity (NHANES). There are several different factors that have assisted the rate of obesity to increase over the years in youths. Some examples are that children do not have full control over their meals, convenience of fast food restaurants, majority of unhealthier foods are less expensive, and the struggles of living a healthy lifestyle. Don’t waste time! Our writers will create an original "Rising Youth Obesity Rates in America" essay for you Create order There are several factors that help contribute to the rising obesity rate in youths. There needs to be just as many factors that help halt the rate of obese in youths as there are rising it. Some solutions to our obesity problem could be new zoning laws, changing schools approach to food and exercise, analyzing a five year plan created by the Americas, and educating the population on the crisis. What is obesity The center of disease and prevention website defines obesity as having excess body fat as well as being above the 95th percentile for their body mass index. the CDC says that some of the factors that contribute to obesity in youths are metabolism, sleep, physical activity, and your environment. All the factors that were just listed are all controllable by the individual. Majority of the causes are impacted by your environment and behaviors. The exercise you do, the food you eat, and the community you live in. What you are at risk for when obese as a child There are many long term risks that come from being obese and there are worse consequences for the obese youth. These risks can be physically, socially, or even emotionally damaging to the well being of youths. Some examples of health conditions that they are at risk for are asthma, sleep apnea, bone and joint problems, diabetes, and heart complications (CDC). Obese children are more likely to be bullied in school which can lead to depression, a lower self esteem, and isolation (CDC). A study was conducted by Tracy Waasdorp, Krista Mehari, and Catherine P. Bradshaw looks more into the connection between weight and getting bullied. Waasdorp and her colleagues discuss the struggles for obese youth. There is a lot of fear that the obese children are at a much higher risk of being bullied, not fitting in socially, and internalizing the struggles of being overweight. At the beginning of 2018 this study was conducted that attempted to see if obesity is linked to bullying and internalizing the symptoms. The researchers anonymously surveyed over 43,000 students in 107 different high school and middle school students in Maryland. Bullying was broken up into three different categories for the sake of the study. Under these three categories there were 11 different behaviors that students answered questions in their survey about these behaviors occurring to them. The three categories are relational, verbal, and physical. A example of relational victimization would be spreading rumors or lies about another student. Verbal victimization behaviors were teasing or making fun of another student. The third category is physical which means a student was getting hit by another. Before students got to answer the survey questions on getting bullied they filled out questions about themselves so the researchers could categorize each student by age, race, weight, etc. Bullying increases the chance of internalize problems which leads to depression and anxiety. It was concluded from this study that obese and overweight youths were at an increased risk of experiencing victimization in schools from other students. Obese students were at a higher risk for physical victimization than overweight youths. These findings are all consistent with previous literature too. Causes of Obesity in Youth After reading many studies it has became clear that there is not just one cause of the rising rate of obese youths. Many changes to our environment and culture have been the causes for the rise. Some of the causes that have become a larger factor over the last few decades are fast food restaurants, sugary beverages, portion size, amount of physical activity, and various environmental factors. First off there is fast food restaurants and their contribution to the rising obesity rate in youths. Fast food restaurants are utilized for their low prices, conveniency, and filling meals. What the consumer gains from saving money and filling their stomachs. They lose from minimal nutritious value and extra calories. From 1990-2007, while the prices of healthy, fresh foods remained about the same, the price of fast-foods and soft drinks fell 12% and 32% (Lydon 2011). Fast food restaurants have been catering their menus and prices to people who want cheap filling meals that are easy to get too. Families with two parents who both have full time jobs often dine at fast food restaurants strictly for their convenience. Single parent families also visit fast food restaurants often in order to save some money. Such availability has led to both over consumption and under nourishment, especially in lower income neighborhoods that fail to offer healthier alternatives (Lydon 2011). Krushnapriya Sahoo published a paper in 2015 discussing the causes and consequences of childhood obesity. She discussed her findings after examining a observational study where researchers observed the eating habits of lean and overweight people eating at fast food resta urants. It was concluded that both types of people consumed more calories than they would had with an average meal, The big difference was that lean people tended to make up for the surge of calories from the fast food restaurant. They would adjust their meals before or after the fast food so that the overall calories in their day did not change too much. This implies that overweight people are still having the same sized meals during the day plus a full fast food meal. Three more smaller causes that Sahoo discusses is the increase of sugary drinks, snack foods, and a larger portion size into our culture. Sahoo talks about a study in 1996 that looked at how sugary drinks impacted BMI in youths. It was that concluded that childrens BMI increased by small amounts each year with the introduction of sugary drinks (Sahoo 2015). These drinks can be soda, juices, or any type of sweetened beverages. The thought process is that these drinks provide extra sugar, minimal nutritional value, and they are not filling you up so you have multiple drinks. People are also snacking often throughout their days. Majority of snack foods lack nutritional value and are just adding more and more calories to youths days. Sahoo cited that Research found that taste, hunger, then price are the most important factors in adolescents food choices (Story 2002). This supports the idea of children will choose better tasting and less nutritious meals or snacks over a more nutritious option. The last cause that I will discuss is that food is often used as reinforcement in schools, parenting, and as a type of celebration. Food is awarded to children in schools for good behavior. I remember being in first grade and my class earning a pizza party or a ice cream party if we were all good for a month straight. This only helps children associate sweets and unhealthy foods as prizes. This continues as kids keep progressing through school. Second, Students would often bring in goody bags of candy on their birthday to hand out to all their classmates as well. Our culture associates candy, junk food, and baked desserts with holidays, birthdays, and celebratory situations. This only helps children associate these foods to good experiences which can create a association of junk food to pleasure and happiness. Genetics A big question that is often discussed when talking about obesity is how genetics play into it. Genetics can help excell the process of becoming obese or make a person more prone to the disease. However, your genetics can not cause you to become obese. Some studies have found that BMI is between 25% and 40% heritable (Sahoo 2015). Genetics needs to be matched up with certain certain behaviors to cause someone to become obese. Another reason I believe genetics gets confused from being a cause of obesity is because of family dynamics. Parents choose foods to keep in the house as well as prepare meals for their children. This leads to children eating just like their parents. Which I believe can be easily confused with genetics when children are simply eating the same unhealthy meals and snacks as their parents. Someone does have a higher probability of becoming overweight or obese if their parents are overweight or obese. There are many reasons why this correlation exists, not just due to genetics. Healthy Lifestyle difficulties Eating unhealthy has only gotten easier and easier over the years. Fast food prices have dropped a significant amount (Lydon 2011). More fast food locations have opened, soft drinks are everywhere, and exercising has been gotten more difficult for youths. Sedentary behaviors have increased with the implementation of laptops in schools and iphones at home. Kids are playing a lot more video games, watching more shows, and staring at screens a significant amount more than their parents did. This only increases the chances of youths becoming overweight due to the lack of physical activity. Environments have also impacted the number of chances children have of getting physical exercise. Parents are more cautious about where they are letting their children play. Children do not walk or ride bikes to school as much anymore. Parents reasoning for this was that there were not many safe walking routes for their kids, fear of predators, and that it is not convenient for their kid to walk (Sahoo 2015). References Bassett, D. R., Jr., Pucher, J., Buehler, R., Thompson, D. L., Crouter, S. E. (2008). Walking, cycling, and obesity rates in Europe, North America, and Australia. Journal of Physical Activity Health, 5(6), 795â€Å"814. Retrieved from https://search.ebscohost.com.libproxy.unh.edu/login.aspx?direct=truedb=psyhAN=2008-15197-003site=ehost-live Etienne, C. F. (2014). Countries pledge action to reduce child obesity in the Americas. The Lancet, 384(9959), 2021. https://doi-org.libproxy.unh.edu/10.1016/S0140-6736(14)62328-X Farpour-Lambert, N. J., Baker, J. L., Hassapidou, M., Holm, J. C., Nowicka, P., OMalley, G., Weiss, R. (2015). Childhood Obesity Is a Chronic Disease Demanding Specific Health Carea Position Statement from the Childhood Obesity Task Force (COTF) of the European Association for the Study of Obesity (EASO). Obesity facts, 8(5), 342-9. Lydon, C., Rohmeier, K., Yi, S., Mattaini, M., Williams, W. (2011). How Far Do You Have to Go to Get a Cheeseburger Around Here? The Realities of an Environmental Design Approach to Curbing the Consumption of Fast-Food. Behavior and Social Issues, 20, 6-23. doi:https://doi.org/10.5210/bsi.v20i0.3637 National Obesity Rates Trends. (n.d.). Retrieved from https://stateofobesity.org/obesity-rates-trends-overview/ Pretlow, R. (2010). Whats really causing the childhood obesity epidemic? What kids say. International Journal of Pediatric Obesity, 5(Suppl 1), 28. Retrieved from https://search.ebscohost.com.libproxy.unh.edu/login.aspx?direct=truedb=psyhAN=2010-00474-009site=ehost-live Rasmussen, N. (2015). Stigma and the addiction paradigm for obesity: Lessons from 1950s America. Addiction, 110(2), 217â€Å"225. https://doi-org.libproxy.unh.edu/10.1111/add.12774 Sahoo, K., Sahoo, B., Choudhury, A. K., Sofi, N. Y., Kumar, R., Bhadoria, A. S. (2015). Childhood obesity: causes and consequences. Journal of family medicine and primary care, 4(2), 187-92. Story, Mary Neumark-Sztainer, Dianne French, Simone. (2002). Individual and Environmental Influences on Adolescent Eating Behaviors. Journal of the American Dietetic Association. 102. S40-51. 10.1016/S0002-8223(02)90421-9. Waasdorp, T. E., Mehari, K., Bradshaw, C. P. (2018). Obese and overweight youth: Risk for experiencing bullying victimization and internalizing symptoms. American Journal of Orthopsychiatry, 88(4), 483-491. https://dx.doi.org/10.1037/ort0000294

Monday, May 18, 2020

A Rough Past The History Of Nursing Homes Essay

A Rough Past: The History of Nursing Homes One thing every living organism has in common on this planet-- age. No one wants to age or face the fact that aging is inevitable. However, since it’s impossible to beat the never ending time clock that is life; everyone wants to be as comfortable as possible when age finally does catch up with them. When the majority of people think of comfortability in old age, they think of living in their own homes and being surrounded by their loved ones. Not many individuals want to be placed into a nursing home type facility because they can’t imagine themselves being comfortable that way. Nonetheless, even though being placed in a home does take away some of an elderly person’s independence, usually the independence lost is in activities that person can no longer do for themselves. Indeed, nursing homes do have their own set of scary stories behind them; life lost, independence lost, and privacy lost, yet many of those stories ar e outdated. Upon investigation, it would be easy for anyone to scare themselves out of a nursing facility due to the stories that are out there. Yet, upon even further research people would be able to see how far the United States has come in their development and evolution of nursing care facilities. The care of the elderly in the form of nursing homes has faced a tough evolution starting off with a harsh past, to what nursing homes are like now, and what people can expect for the future of these homes. ForShow MoreRelatedLadder1385 Words   |  6 Pagespretty venerable situation, even before her diagnosis of Osteosarcoma. Being a teenager is difficult and confusing time, as their hormones and emotions run rampant affecting their thoughts and impressions of things, but she also comes from a troubled home. Overhearing the head nurse obviously fueled her already loss of self, place in the world, and worthlessness and that she was just a burden. 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The education is free of charge and is publicly funded and based on students registration and performance† (Thunborg, Bron, Edstrom 2013). Now books and r ooming is not free, but to not have to worry about paying constant tuitionRead MoreValues, Social, And Professional Behavior Essay1753 Words   |  8 Pagesaction and decision we make. Values motivate ethical, social, and professional behavior. (Rassin, 2008, p. 614-615). According to Roakeach’s Values Theory (1973), values are learned criteria that surface from culture, social groups, education, and past experience (as cited in Rassin, 2008, p. 615). The evolution of values, affected by these many factors, make them both static and changing. As we navigate life and grow personally, awareness of who we are and the behaviors that we value transferRead MoreThe Indian Act1558 Words   |  7 Pagesthe questions above first, and to do that I am looking at multiple papers, some to do with Native Americans specifically, and others to get the sexual health in women with psychosocial problems. Sources: #1 http://indigenousfoundations.arts.ubc.ca/home/government-policy/the-indian-act.html. Last updated 2009. Found online October 29, 2015. This source is the go to for my first look into the Indian Act as well as The Residential Schools System. It is essentially a researched wiki put forward by theRead MoreNursing : A Total Knee Replacement ( Tka ) Is The Most Common Joint Surgery Performed?2063 Words   |  9 Pages Perioperative Nursing Written Paper Robyn Weiner New York University College of Nursing Spring 2015 A total knee replacement (TKA) is the most common joint surgery performed in the United States (Turner, 2011, pp. 27-32). Each year, over 650,000 Americans undergo this surgery (Wittig-Wells, 2015, pp. 45-49). It is an invasive surgery that involves an incision on top of the knee and replacing damaged parts of the knee with artificial parts that are either metal, ceramicRead MoreMedical Health Promotion And Disease Prevention Plan1467 Words   |  6 Pagesproblem, rather than investigate the past issues that might have cause certain psychiatric symptoms. Part 3: Personal Theoretical framework Part 4: Application of Theory My theory can be applied to one of my cases in previous discussion. Angela is a 15-year-old bi-racial female, with a history of depressive disorder, posttraumatic stress disorder, oppositional defiant disorder, and borderline personality disorder. Angela is also well known for her history of running away, violence, and extensive

Wednesday, May 6, 2020

Pros And Cons Of Tackle Football - 1161 Words

Youth tackle football is a popular sport for children today but this sport can have pros and cons. One of the most controversial sport that a child can play is tackle football. Tackle football is a full contact sport. In any full contact sport, there are risks like concussions, injuries and the lasting effects of those injures. There are also pros in playing this sport like teamwork, sportsmanship, character, and exercise. Youth football can also have psychological pros and cons that can affect the children that play this sport. If you are considering having your child play youth tackle football you should review all the pros and cons of playing before you make a decision. Cons of Youth Football Football has its cons just like any†¦show more content†¦While the majority of coaches are good coaches there are some who can do damage. These coaches have a â€Å"win-at-all-costs† mentality and can be really hard on the kids if they are not winning. Another psychological effect is inapposite feeling of superiority. The obsession with sport in our society can put an inflated sense of self on a child. If they are constantly winning or always making touchdowns they feel unstoppable. (Ph.D., 2015) â€Å"We must also recognize that participation in football, and team sports in general, has major benefits for fitness and character building. Participation in sports counters the major public health issues of obesity and, perhaps more importantly, the â€Å"disengagement† that we all observe in kids these days. Every parent of a teen, and even young children, realizes that a â€Å"virtual† world has often replaced the real, live interactions kids used t o regularly experience. I strongly believe that participation in team sports has a major positive influence on youth, and we cannot discount the positive impact of this aspect of football. Ultimately, if a child is passionate about football and no other sport or activity, they are almost certainly better off playing football than being inactive and alone.† (Ph.D., 2015) Pros of Youth Football When playing football, you have to work together, no one person can win or lose a game. Children will learn how to count on one another and trust your team mates. Learning teamwork skills will helpShow MoreRelatedFactors That Affect Our Everyday Lives968 Words   |  4 Pagesfirst year in football, and helping my friend with depression. One decision that I made in my life that affects me greatly is when I chose to go to Carlsbad instead of Sage Creek. When I was in the middle of deciding, I listed the pros and cons if I went to either school. One example about the pros of going to Carlsbad High is they have a football team, my older sister already goes to Carlsbad High, the people that go to Carlsbad are typically more laid back/relaxed and so on. 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The zone read is a popular college offense, and in fact college football programs have for decades utilized several types of run option offenses. For various reasons, these systems have been deemed unsuitable in the NFL. A recap of the strength and weakness of both generic and specific run option offenses is presentedRead MoreCollege Athletes Should Be Paid1271 Words   |  6 PagesTimes, the 15 highest-paid NCAA football coaches made $53.4 million; meanwhile, the 13,877 Division I players made $0 In the article â€Å"College athletes ask court to reconsider part of ruling in NCAA pay case† Dan Levine is reporting that college athletes want to be paid. â€Å"College athletes asked a U.S. appeals court on Wednesday to revisit part of a ruling in a high profile case brought by athletes seeking a slice of the billions of dollars universities reap from football and basketball.† Finding theRead MoreCollege Athletes Should Not Be Paid2377 Words   |  10 Pagesmoney that goes in and out of sports, College players shouldn’t get any sort of payment from their school. College athletes should absolutely not be paid they are not professionals in any way shape or form. They are student athletes that are playing football for the school. The athletes already are put on scholarship and get money from the school there’s no need to get any extra incentives because there food, travel, and shelter is all paid for for the most part during the season so there s really noRead MoreThe Ncaa And Cbs Signed A 10.8 Billion Television Agreement Over 14 Years1371 Words   |  6 Pageslikenesses in the NCAA Football video game series. For the schools that have players who become popular. An athletic scholarship doesn’t cover all of a player’s costs. Studies have shown that, â€Å"on average, a college athlete’s scholarship leaves them about $3,200 short of the costs of attending college each year†(Kenneth Quinnell). The school will use the player’s name and popularity to make a profit for the school. Being a college student-athlete is a lot of work because, for football they have to wakeRead MoreDeforestation : A Global Problem1624 Words   |  7 Pagesthe pros and cons and what are the effects of deforestation. Overall I will prove why all of my artifacts prove the importance of deforestation and how we can stop and make a change. By the end of my argument you will be persuaded to help stop this world crisis. What is Deforestation? Deforestation is clearing earth’s forests on a huge scale usually resulting in damage of the land. Around 13 million hectares of forest and lost each year between 2005 and 2015 which is equivalent to 30 football fieldsRead MoreFeeding For The Pregnant Mom With A Toddler982 Words   |  4 Pagesfamily members, strangers, and even hospital staff will judge you in a negative way, again, because it is not widely accepted in the US culture. A good response is to say: o â€Å"I have researched the pros and cons of this tandem feeding method and found it to be safe and works well for our family.† This works well because those who are judging usually have not read up on the method. Finding a support group can help you see the positives in what you haveRead MoreMba 5652 Unit 1 Assignment - Research Proposal Topic2527 Words   |  11 PagesMBA 5652 Unit 1 Research Proposal Topic Exercise 1 My top ten research topics that I find interesting to pursue are the following: (1) approach for extra ( increase in minimum wage) income and advertising, (2) concussions in football, (3) should transportation security (TSA) regulations be changed ?, (4) should regulations regarding the use of cellular phones while driving be standardized ?, (5) should driving under the influence (DUI) laws be changed ?, (6) concealed guns be permitted in storesRead MoreUnder Armour3534 Words   |  15 Pagesbeen well received by athletes. The company currently enjoys a strong position as professional athletes and movie and video game creators clamor for its products. Nevertheless, if Under Armour wishes to say on top of its game, it will have to tackle several issues head on that could negatively impact the company in the future if they are not addressed. To name a few, Under Armour will have to deal with the potential of an economic downturn and declining retail sales, its suppliers who currently

Income Statement With Owners Equity Stand -Myassignmenthelp.Com

Question: Discuss About The Income Statement With Owners Equity Stand? Answer: Introducation As evident from the above stated income statement it can be said that the net profit that has been transferred to capital accounting stood 7285. Cash Budget for the period 2018 Particulars Quarter 1 Quarter 2 Quarter 3 Quarter 4 Opening Balance 600 3533.75 5467.5 6401.25 Receipts Cash Receipts 3500 2500 1500 2500 Total 4100 6033 6967 8901 Expenses Overheads 275 275 275 275 Selling Expense 291.25 291.25 291.25 291.25 Total 566 566 566 566 Closing Balance 3533 5467 6401 8335 Cash receipts for the first year = 50*70 = 3500 Cash receipts for the Second quarter = 50*50 = 2500 Cash receipts for the Third quarter = 50*30 = 1500 Cash receipts for the Fourth quarter = 50*50 = 2500 Opening Balance = Opening Balance Closing Balance The closing amount of cash budget at the end of the fourth quarter stood 8335. Julia Schlussier Co Balance Sheet January 31-12-2018 Assets Amount () Amount () Current Assets Cash 8335 Prepaid Insurance 260 Prepaid Road Tax 120 Total Current Assets 8715 Non-Current Assets Tangible Assets Scooter 1500 Less: Depreciation 300 1200 Photo Camera 2500 Less: Depreciation 500 2000 Computer 1600 Less: Depreciation 400 1200 Intangible Assets Software 800 Less: Depreciation 200 600 Total Non-current Assets 5000 Total Assets 13715 Liabilities and stockholder Equity Current Liabilities Current portion of Parents loan 400 Total Current Liability 400 Long-Term Liabilities Parents Loan 1600 Less: Repayment 400 1200 Total Liabilities 2000 Stockholders Equity 2850 Net Profit (tranferred from P/L A/c) 7665 Total Liabilities and Stockholders Equity 13715 As evident from the balance sheet, that Julia Co has the equal balance of the total assets and total liabilities. The net profit has been transferred to balance sheet from the income statement with owners equity standing 3230. References Deegan, C. (2013). Financial accounting theory. McGraw-Hill Education Australia. Edwards, J. R. (2013).A History of Financial Accounting (RLE Accounting)(Vol. 29). Routledge. Weil, R. L., Schipper, K., Francis, J. (2013).Financial accounting: an introduction to concepts, methods and uses. Cengage Learning. Williams, J. (2014).Financial accounting. McGraw-Hill Higher Education.

Sbi Change Management free essay sample

Change is inequitable; not a respecter of persons. Change is for the better or for the worst, depending on where you view it. Change has an adjustment period, which varies on the individual. It is uncomfortable, for changing from one state to the next upsets our control over outcomes. Change has a ripping effect on those who won’t let go. Change is awkward at first. Change is a muscle that develops to abundantly enjoy the dynamics of the life set before us. Change calls own strength beyond anyone of us. Change pushes you to do your personal best. Change draws out those poised for a new way. Change isn’t for chickens. Change does have casualties of those defeated. Change will cause us to churn or to learn. Change changes the speed of time. Time is so slow for the reluctant, and yet it is a whirlwind for those who embrace it. Change is more fun to do than to be done to. Change seeks a better place at the end and is complete when you realize you are different. Change Management: Change management is a set of processes that is employed to ensure that significant changes are implemented in an orderly, controlled and systematic fashion to effect organizational change. One of the goals of change management is with regards to the human aspects of overcoming resistance to change in order for organizational members to buy into change and achieve the organizations goal of an orderly and effective transformation. Organizational change management takes into consideration both the processes and tools that managers use to make changes at an organizational level. Most organizations want change implemented with the least resistance and with the most buy-in as possible. For this to occur, change must be applied with a structured approach so that transition from one type of behavior to another organization wide will be smooth. SBI: State Bank of India is the largest state-owned banking and financial services company in India, by almost every parameter revenues, profits, assets, market capitalization, etc. The bank traces its ancestry to British India, through the Imperial Bank of India, to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network of branches in India and overseas, including products aimed at NRIs. The State Bank Group, with over 16,000 branches, has the largest banking branch network in India. With an asset base of $260 billion and $195 billion in deposits, it is a banking behemoth. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nations loans. * The State bank of India is the 29th most reputed company in the world according to Forbes. * State Bank of India is the largest of the Big Four Banks of India, along with ICICI Bank, Axis Bank and HDFC Bank — its main competitors. Change Trigger: Liberalisation of the Indian Banking system: During the 1990s, the Indian economy began a period of rapid growth as the countrys low labor costs, intellectual capital, and improving telecommunications technology allowed India to offer its commercial services on a global basis. This growth was also aided by the governments decision to allow the creation of private-sector banks (they had been nationalized in the 1960s) Private sector banks made their first appearance in January 1993. The private-sector banks, such as ICICI Bank and HDFC Bank, altered the banking landscape in India. Core banking systems and electronic delivery channels that allowed these banks to introduce new products and provide greater convenience to customers acted as a hurdle for the PSBs. During that period, Public Sector Banks accounted for over three-fourths of total banking industry assets. They were weighed down with huge NPAs(Non-Performing Assets), falling revenues, lack of modern technology and a massive and highly unionized workforce. New entrants began to erode the market share of the nationalized banks, especially in metro cities and urban areas. The PSBs found it increasingly difficult to compete with the new private sector banks and the foreign banks. These banks also employed state-of-the-art technology, which helped them to save on manpower costs and concentrate on providing better service. Changes in SBI: Drivers for a New Core System Though SBI had undertaken a massive computerization effort in the 1990s to automate all of its branches, implementing a highly customized version of Kindle Banking Systems Bankmaster core banking system (now owned by Misys). However, because of the banks historic use of local processing and the lack of reliable telecommunications in some areas, it deployed a distributed system with operations located at each branch. Although the computerization improved the efficiency and accuracy of the branches, the local implementation restricted customers use to their local branches and inhibited the introduction of new banking products and centralization of operations functions. The local implementation prevented the bank from easily gaining a single view of corporate accounts, and management lacked readily available information needed for decision making and strategic planning. The advantages in products and efficiency of the private-sector banks became increasing evident in the late 1990s as SBI (and Indias other public-sector banks) lost existing customers and could not attract the rapidly growing middle market in India. In fact, this technology-savvy market segment viewed the public-sector banks as technology laggards that could not meet their banking needs. In 2002, SBI adopted a new technology that included the implementation of a new centralized core banking system. This effort encompasses the largest 3,300 branches of the bank that were located in city and suburban areas. The State Bank of Indias objectives for its project to modernize core systems included: †¢ The delivery of new product capabilities to all customers, including those in rural areas †¢ The unification of processes across the bank to realize operational efficiencies and improve customer service. Provision of a single customer view of all accounts †¢ The ability to merge the affiliate banks into SBI †¢ Support for all SBI existing products †¢ Reduced customer wait times in branches †¢ Reversal of the customer attrition trend Challenges for the bank: The bank faced several extraordinary challenges in implementing a centralized core processing system. These challenges included finding a new core system that could process approximately 75 mil lion accounts daily — a number greater than any bank in the world was processing on a centralized basis. Moreover, the bank lacked experience in implementing centralized systems, and its large employee base took great pride in executing complex transactions on local in-branch systems. This practice led some people to doubt that the employees would effectively use the new system. Initial Conversion Project: The conversion effort began in August 2003, when SBI converted three pilot branches to the BaNCS system. The successful conversion and operation of the pilot branches was followed by the conversion of 350 retail branches with high-net-worth customers between August 2003 and September 2004. At this point, the bank intentionally halted the conversions to analyze and resolve reported problems. After the software and procedural changes were implemented, SBI converted an additional 800 branches between December 2004 and March 2005. Unlike in the previous conversions, this group of branches included predominantly commercially oriented offices. The conversion effort then refocused on retail branches until November 2005, when the bank paused again to resolve problems that came up during this second group of conversions. After the second round of changes, the system and processes were functioning smoothly, and management believed the branch conversion could be accelerated. Based on the successful pilot survey, SBI decided to convert the approximately 6,700 remaining SBI branches to the BaNCS system. The conversion of the remaining branches began in June 2006, with the stated goal of completing the conversion by year-end 2008. Managing the change: The factors which helped SBI in managing such a huge change are as follows: * Senior management commitment. The project was driven by the chairman of SBI, who met every month with the information technology (IT) and the business sector heads. The chairman monitored the overall status and ensured that sufficient resources were allocated to the project. TCS senior managers were thoroughly committed to the project as well and periodically met with the SBI chairman to review the project status. †¢ Staffing and empowerment of project team. The core banking team consisted of the banks managing director of IT acting as team head and 75 business and IT people selected by the bank. TCS also staffed the project with approximately 300 IT professionals trained on the BaNCS system. Importantly, the SBI business people were viewed not just as contributors to a key project but as future bank leaders. This team reported to the SBI chairman and was empowered with all decision-making authority. †¢ Ownership by business heads. The regional business line heads were responsible for the success of conversion of their respective branches and reported the status to the chairman. Thus, the business heads objectives were aligned with those of the project team. Focus on training: SBI used its network of 58 training centers across India to train employees on the new system. TCS personnel first educated approximately 100 SBI professional trainers, who then trained 100,000 SBI employees at the centers; the remaining employees trained at their respective job sites. Benefits of New Core Systems Implementation The new core system has resulted in benefits throughout the bank for b oth the customers and the employees of SBI. For example, the new core banking system has allowed the bank to redesign processes. It established 400 regional processing centers for all metro and urban branches that have assumed functions previously performed in the individual branches. The customers after implementation of this CBS system were no longer only the â€Å"customer of the branch is no longer only the customer of the branch but has also became the customer of the bank†. Meaning, they can carry out any transaction in any branch of the bank. After implementation of this system the bank has reversed the trend of customer attrition and is now gaining new market share.