about my result. when i open my vulms account following message
appears:
Dear Student,
{ Welcome to Semester Fall 2011.
Currently you didn't select any course. For making Course Selection
follow the steps below
Click the Student Services button
Click on the Course Selection link }
PLS TELL ME WHAT DOES IT MEANS
On 9/23/11, ShahLa <mc090200667@vu.edu.pk> wrote:
> *The difference between service and sales is...
>
> service is giving customers something they want.
>
> Sales is getting them to want something you've got.*
> *
> *
> *the difference between customer service and sales is: in customer service
> you should be listening to your customer and be able to relate to anything
> they say or do, you should be able to help and understand the customer and
> know their needs. In sales your job is to be able to pitch anything to
> anyone whether they like or need it.*
>
>
>
> On Fri, Sep 23, 2011 at 5:18 AM, Marina Khan
> <damsel.khan@googlemail.com>wrote:
>
>> *@Response from instructor either the answer is correct or not (for your
>> guidance) *
>> *Green ...if my answer was right *
>> *Red ....if answer was wrong *
>> *
>> *
>> *
>> *
>> *From Clearing department( Slide)*
>> *
>> *
>> *1. What is Outward and Inward clearing ? *
>>
>> - *Inward clearing means the cheques received by the bank from other
>> banks*
>>
>>
>> - *Inward clearing - cheques are the cheques drawn by the own
>> bank/branch *
>> - *(green signal with smile =p )*
>>
>> *2. Marina tell me what is bearer cheque? *
>> *Sir as per my short knowledge bearer cheque is a cheque where the money
>> can be paid to any person who presents it to the bank **(green)*
>> *3. What is clearing stamp n why we put this stamp? *
>> * Sir this stamp shows that everything is clear now n bank receive
>> the payments on the *
>> * behalf of customers. (green)*
>> *4.What is crossing? *
>> *hmmmm.....sir its two parallel lines drwan across the face of cheque (lil
>> bit nerves coz i forget this n near to get red signal from them =z but
>> suddenly yaaaadddd agya sir ggg =pp) *
>> *
>> *
>> *Yes right but what the mean of these two lines .....?*
>> *Sir its mean now cheque is crossed and the holders cannot receive
>> payments....*
>> *You are asking or telling me .....? ( smiling) *
>> *No sir m telling you ...n its 100 % right m damn sure *
>> *yes you are right marina now move on remittance department ....=) *
>> *(Again green signal =p)*
>> *
>> *
>> *
>> *
>> *From Remittance department (slide) *
>> *
>> *
>> *Halwa questions....bulky...chocolate question *
>> *1.What is DD? I THINK YOU KNOW WELL THE ANSWER=D *
>> *Green *
>> *2. When we use pay order n for what ? *Again m not going to tell you*=ppp
>> *
>> *Greenshhhhhh *
>> *3. you present here o**nly two instrument in remittance why? *
>> coz sir the branch is dealing only two instruments that"s why ...its not
>> my
>> fault
>> *girl laughed n then sir also.....=ppp *
>> *Green Green *
>> *now move on Account opening ....*
>> *
>> *
>> *Account opening department (slide)*
>> *
>> *
>> *1.What is next of kin? > already explained many times *
>> *2.Have you seen your account opening form? > yes sir many times*
>> *3.Ok tell me the starting requirements or starting portion? *
>> *4.Where they get verification of signature n why? *
>> *on specimen signature card > prevent from any fraud by customer*
>> *5.Do you know about KYC ...its a card or product? *
>> *no sir its not this kinda thing which you asking ...not a card or product
>> its a part of AOF n its stands for know your customer *
>> *6.What is AOF by the way?*
>> *account opening form .....=ppp *
>> *Again you are telling or asking ......girl said =p*
>> *no ma'am this time m also telling you bout this term .....(They both
>> laughed =p)*
>> *
>> *
>> *All time grreeeeenissshhhhhhhhh*
>> *
>> *
>> *ok marina now explain 3 ratios ...current ratio...quick ratio and times
>> interest earned and also tell the result n impact on your organization
>> ok! *
>> *
>> *
>> *Then i present above ratios efficiently mashallah n told each n every
>> point n reason of decreasing trend ...my luck is good that they given me
>> very easy ratios *
>> *
>> *
>> *Questions from ratios *
>> *
>> *
>> *1. What is gearing ratio? *
>> *Ma'am its also called leverage ratio n its determine the degree of
>> protection of suppliers of long term funds. *
>> *Green *
>> *2. tell me the Bench mark of capitalization ratio ?*
>> *ma'am there is no any particular standard or bench mark for this ratio or
>> you can say setting the right amount of debt. its simple that low debt n
>> higher equity in capitulation ratio shows good quality of investment.... *
>> *
>> *
>> *hmmm ...good tell me the formula ?*
>> *
>> *
>> *long term debt/ long term debt + shareholder equity *
>> *
>> *
>> *bank performance in previous years as compared to current year?*
>> *previous performance is good ma'am as compared to current year cause bank
>> going in decreasing trend in 2010 it means its negative sign for bank n
>> nearly bank going to bankrupt if they never cover up their debt.** *
>> *green *
>> *going to Decreasing trend ....how?*
>> *
>> *
>> *Ma'am they have low tangible net worth , low assets to meet their short
>> term obligation, low EBIT to recover their interest expense ,
>> low earning per share that is not favorable ...if m the investor then i
>> never ever invest a single rupee in this bank coz they have nothing to pay
>> ,
>> even the debt is too high then its equity that's why...=) *
>> *
>> *
>> *greenishhhhhhhhh*
>> *hmmm good ....ok tell me marina*
>> * *
>> * what is sales of bank ? *
>> I have given all products names......Red signal =(
>> *we are not asking bout sales....we asked bout this term "sales of bank" ?
>> *
>> ma'am m sorry i have no idea bout this term i'v never seen even in income
>> statement
>> *Yes this term is not exist so you cant see in any statement ok! *
>> *Green *
>> *
>> *
>> *3. What the deference between services and sales?*
>> ma'am both are the same ...as per my short knowledge.....sales making the
>> services (my stupid tukka)
>> *again Red signal =(** *
>> *
>> *
>> *male instructor stopped the lady n said to her ...now its enough i think
>> dont discuss sales topic more she already given many answers ...plz
>> ask recommendation from her she looking nerves now.....then he said marina
>> no problem relax n move on recommendation n tell what you want to
>> recommend
>> to your organization (he was angel really so nice person=p i think he was
>> new ) *
>> *
>> *
>> *then i told them bout my recommendation ....they appreciate my 2nd point
>> which was*
>> *
>> *
>> *sir being a finance student i recommend to them that they should decrease
>> their markup rate for students so that they can get loans easily this can
>> be
>> increase their sales as well as their profit ....*
>> *
>> *
>> *How marina....?*
>> *
>> *
>> *sir when they low their markup rate for example if they giving 15% so
>> they should decrease n set 10% or 5% ....this changes can attracts more
>> customers thats why profit would be increase ....sir this is only my view
>> being a student *
>> *
>> *
>> *good point marina...shabash....=p*
>> *
>> *
>> * after explaining 3 points....suddenly system shut down then ....they
>> again cam n said =)*
>> *
>> *
>> *ok marina its over thank you so much n best of luck for your result =)*
>> *
>> *
>> *
>> *
>> *THE END*
>> *
>> *
>> if i was wrong in any point then must tell me please so that i can
>> understand my mistakes.
>> *overall viva is lil bit tough but thanks God this time i'v knowledge
>> thanks to those who helped me n provide me info specially thanks to Hafiz
>> salman, Maha shah,Nida, Qazi bro, umeed sis, Husnain , and all other
>> who
>> shared their experience with me God give you ajjar my friends. =)*
>> *Hopping for good result pray for me *
>> *
>> *
>> *Jazakallah *
>> *
>> *
>> --
>> *
>>
>>
>> Marina Khan *
>> *www.vuzs.net *
>>
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