query: School 2013 depicts the struggles and dilemmas that modern-day Korean youth face at school.

pos: School 2013 School 2013 is a 2012 South Korean television series starring Jang Nara , Choi Daniel , Lee Jong-suk and Kim Woo Bin . The teen drama depicts the struggles and dilemmas that modern-day Korean youth face , such as bullying , student suicides , school violence , deteriorating teacher-student relations , private tutoring and other real-life high school issues , all within the confines of one small classroom at Victory High School .   It is the fifth installment of KBS 's `` School '' series which aired from 1999 through 2002 . It aired on KBS2 from December 3 , 2012 to January 28 , 2013 on Mondays and Tuesdays at 21:55 for 16 episodes .

neg: Education Education is the process of facilitating learning , or the acquisition of knowledge , skills , values , beliefs , and habits . Educational methods include storytelling , discussion , teaching , training , and directed research . Education frequently takes place under the guidance of educators , but learners may also educate themselves . Education can take place in formal or informal settings and any experience that has a formative effect on the way one thinks , feels , or acts may be considered educational . The methodology of teaching is called pedagogy .   Education is commonly divided formally into such stages as preschool or kindergarten , primary school , secondary school and then college , university , or apprenticeship .   A right to education has been recognized by some governments , including at the global level : Article 13 of the United Nations ' 1966 International Covenant on Economic , Social and Cultural Rights recognizes a universal right to education . In most regions , education is compulsory up to a certain age .

neg: Hell Joseon Hell Joseon , Hell Chosun or Hell Korea is a satirical South Korean term that criticizes the current socioeconomic state of Korea . The term is particularly popular with the younger Korean generation , one of whose major concerns is related to the unemployment and working conditions ( including harsh treatment of employees due to Korean Confucianism and greed ) . The term was coined in early 2010s .

neg: Academic grading in South Korea Academic grading in South Korea depends on the type of school in which it is involved in . In University , the grade runs upon a letter-type grade similar to American schools . The letter grades can add up to different numbered averages , from 0.0 to 4.5 . However , in Middle School , the grades are based on characters that of the Korean language , such as '' 수 '' meaning `` Outstanding '' , or '' 양 '' meaning `` Needs Improvement '' .

neg: Bandhobi Bandhobi is a 2009 South Korean indie film about a frustrated and rebellious high school student who ends up becoming a friend of a migrant worker from Bangladesh who is desperate to receive his unpaid wages back . The title means `` female friend '' in Bengali .   Lead actor Mahbub Alam is a longtime resident of South Korea who entered the country as a migrant worker . He has since appeared in small film roles and become involved in various activist projects , including the launch of the Migrant Worker Film Festival , for which he serves as festival director .

neg: South Korean web culture South Korean web culture indicates distinct activities that South Korean internet users enjoy on the web . Most of the internet users are in the 13 - 50 age range . People often access the Internet through cyber cafes ( Korean : PC방 ; PC bang ) .   Most of the activities are targeted to teenagers and college students . Youngsters who feel more comfortable texting than talking are known as the `` thumb tribe '' . The LG Mobile World Cup , an international competition held on January 14 , 2010 , in which participants competed using their texting speed and accuracy was won by a pair of South Koreans .   Highly urbanized at 92 % , South Koreans lead a distinctive urban lifestyle ; half of them live in high-rises concentrated in the Seoul Capital Area with 25 million residents . The rise of online social activities closely mirrors the wider cultural trend towards shared spaces , such as the habitual use of coffee houses .   South Korea enjoys the world 's swiftest Internet speeds and the highest rate of Internet penitration but also suffers from very high censorship of content .

neg: Popular education Popular education is a concept grounded in notions of class , political struggle , and social transformation . The term is a translation from the Spanish educación popular or the Portuguese educação popular and rather than the English usage as when describing a ` popular television program ' , popular here means ` of the people ' . More specifically ` popular ' refers to the ` popular classes ' , which include peasants , the unemployed , the working class and sometimes the lower middle class . The designation of ` popular ' is meant most of all to exclude the upper class and upper middle class .   Popular education is used to classify a wide array of educational endeavors and has been a strong tradition in Latin America since the end of the first half of the 20th century . These endeavors are either composed of or carried out in the interests of the popular classes . The diversity of projects and endeavors claiming or receiving the label of popular education makes the term difficult to precisely define . Generally , one can say that popular education is class-based in nature and rejects the notion of education as transmission or ` banking education ' . It stresses a dialectic or dialogical model between educator and educand . This model is explored in great detail in the works of one of the foremost popular educators Paulo Freire .   Though sharing many similarities with other forms of alternative education , popular education is a distinct form in its own right . In the words of Liam Kane :  `` What distinguishes popular education from ` adult ' , ` non-formal ' , ` distance ' , or ` permanent education ' , for example , is that in the context of social injustice , education can never be politically neutral : if it does not side with the poorest and marginalised sectors - the ` oppressed ' -- in an attempt to transform society , then it necessarily sides with the ` oppressors ' in maintaining the existing structures of oppression , even if by default . ''

neg: Guro District, Seoul Guro District ( Guro-gu ) is a district of Seoul , South Korea , which was separated from Yeongdeungpo District on April 1 , 1980 . Located in the southwestern part of the city , where besides Yangcheon District and Geumcheon District Guro District has an important position as a transport link which contains railroads , land routes from the rest of Seoul to the south of the country . The Gyeongbu and Gyeongin railway lines connect Seoul to Busan and Incheon . In addition , Seoul Metropolitan Subway lines 1 , 2 , and 7 , and major highways intersect in Guro District .   The name Guro originates from the legend that nine ( gu ) old men ( Korean : ro ) enjoyed longevity in the district .   A digital industrial complex is located in Guro District . The Guro Digital Industrial Complex , which played a leading industrial role mainly with textile manufacturing , dressmaking and other labour-intensive industries in 1967 , has been rapidly changed into an IT industrial complex . This complex played a pivotal role in the economic growth of the South Korea 's development era , referred to as the `` Miracle on the Han River '' , and also contributed 10 percent of national export in the 1970s .   Twenty-one percent of the total area of Guro District is a restricted zone to be used as a greenbelt with the only arboretum in Seoul . The zone is changing into a lively district as large labour-intensive factories are moving from the area and the council is developing what it terms its four zones .   An `` e-government '' system based on this hosted the international e-participation forum on February 7 -- 9 , 2007 , with the participation of more than thirty-seven countries . The forum was launched with the theme `` Promoting Democracy and Regional Development '' and twenty-five mayors including André Santini ( Issy-les-Moulineaux , France ) , Kevin Foy ( Chapel Hill , US ) , Apirak Kosayothin ( Bangkok , Thailand ) , Uvais Mohamed Emthiyas ( Colombo , Sri Lanka ) , and world experts such as Dr William H. Dutton ( Director of Oxford Internet Institute at the University of Oxford , UK ) and Dr Ari-Veiko Anttiroiko ( professor at the University of Tampere , Finland ) participated in the forum . The Guro Declaration , adopted during the forum , aims to set up a portal site for e-government development and to establish a concrete project in order to bridge the digital divide among the world 's cities . This practice has been recognised for providing a new important step in the development of e-democracy .   The e-participation forum was a key factor for Guro to play the leading role in bridging the digital divide among cities , to provide I.T. enterprises located in Guro Digital Industrial Complex the opportunity to launch into the international market , to improve its image and become a global leader to concrete e-democracy .

neg: Induk University Induk University is a university in Seoul , South Korea . It was established by Asian American writer Induk Pahk as `` Berea in Korea '' in 1963 , became the `` Induk Institute of Design '' in 1971 , and was renamed `` Induk University '' in 2009 . It is located in Nowon-gu , along with a number of other educational institutes . The university provides a range of two - and three-year courses .   Soo Jung Kimcreator of Dooly the Little Dinosaur and former president of the Korea Animation Producers Associationteaches at the university 's Department of Animation . Actor Shin Hyun-joon is an acting professor in the Department of Broadcasting and Entertainment .   The university has a number of student clubs and business start-up clubs . After the 2010 Chile earthquake students from the Department of Tourism and Leisure Management raised 800,000 won to help rebuild a school in Chile .

neg: School Captain School Captain is a student appointed or elected to represent the school in some cases the title is ` Head of School ' .   This student , usually becomes the captain in the senior year , ( Year 12 , in secondary and Year 6 in primary schools ) in their final year of attending that school . It is similar to `` Student Body President '' in the United States , it is the senior representative of a school 's pupils , and the school , in the community .   School captains are mainly found in British Empire legacy school systems : Australia , Canada , New Zealand , South Africa , India , Zimbabwe for example -LSB- -LSB- divine grace high school in india still appoints school captains as representative of the students body . The School captain is chosen from the Lower Sixth formers by ballot , students vote in their respective hostels which are considered as constituencies and staff members also cast their votes . After election the Incumbent officially hands over his duties to the elected school captain on first day of October three to four weeks before public examinations start to enable the outgoing school captain to concentrate on his school work . It is not , however , usually used in the United Kingdom itself , where head girl and head boy are used .

neg: Teen drama A teen drama is a genre or type of drama series with a major focus on teenage and young adult characters . It came into prominence in the early 1990s , especially with the popularity of the Fox series Beverly Hills , 90210 . After 90210 became a success , television writers and producers realized the potential for this new genre to reach out to a previously ignored demographic . In the past , most series that maintained a focus on teenagers had been sitcoms , while adolescents in drama series were usually part of a larger ensemble that included adults and children .   More often than not , teen dramas have soap opera elements , incorporating one or more ongoing story arcs spanning several episodes . The young characters must deal with the dramatic ups and downs of their friendships and romances while facing an array of issues thought to be typical of adolescence . There have also been many successful teen-based series with major science fiction , fantasy and action/adventure themes .

neg: Extended School Year In the United States , Extended School Year ( ESY ) services are designed to support a student with a disability as documented under the Individuals with Disabilities Education Act ( IDEA ) to maintain the academic , social/behavioral , communication , or other skills that they have learned as part of their Individualized Education Program ( IEP ) or Section 504 accommodation plan . In order for a student to receive ESY services , the student must have evidenced substantial regression and recoupment issues during the previous IEP year and/or there is evidence of emerging skills which are often referred to as `` breakthrough '' skills . The focus of the services provided to the student as part of an ESY program are generally not upon learning new skills or `` catching up '' to grade level , but rather to provide practice to maintain previously acquired or learned skills . In some cases ESY is focused on continuing education for students whose rate of progress is insufficient to enable effective progress during the regular school year . If a student has received ESY services in previous years the student may not be eligible in future years as determinations for eligibility of ESY services are made annually by the IEP or 504 plan ( which includes the parent and student of age 16 or older . NOTE : The mandatory age at which a student must be included varies by State but the Federal law states no later than age 16 . )   ( a ) General .  Under the re-authorization of IDEA , effective July 1 , 2005 , each public agency must ensure that extended school year services are available as necessary to provide Free Appropriate Public Education ( FAPE ) , consistent with paragraph ( a ) ( 2 ) .  Extended school year services must be provided only if a child 's IEP Team determines , on an individual basis , in accordance with Sec . Sec . 300.320 through 300.324 , that the services are necessary for the provision of FAPE to the child .  In implementing the requirements of this section , a public agency may not --  Limit extended school year services to particular categories of disability ; or  Unilaterally limit the type , amount , or duration of those services .   ( b ) Definition .  As used in this section , the term extended school year services means special education and related services that --  Are provided to a child with a disability --  Beyond the normal school year of the public agency ;  In accordance with the child 's IEP ; and  At no cost to the parents of the child ; and  Meet the standards of the State education agency ( SEA ) .   ( Authority : 20 U.S.C. 1412 ( a ) ( 1 ) )

neg: Interactive Learning Interactive Learning is a pedagogical approach that incorporates social networking and urban computing into course design and delivery . Interactive Learning has evolved out of the hyper-growth in the use of digital technology and virtual communication , particularly by students . Beginning around 2000 , students entering institutes of higher education have expected that interactive learning will be an integral part of their education . The use of interactive technology in learning for these students is as natural as using a pencil and paper were to past generations .   The Net Generation or Generation Y is the first generation to grow up in constant contact with digital media . Also known as digital natives , their techno-social , community bonds to their naturalized use of technology in every aspect of learning , to their ability to learn in new ways outside the classroom , this generation of students is pushing the boundaries of education . The use of digital media in education has led to an increase in the use of and reliance on interactive learning , which in turn has led to a revolution in the fundamental process of education .   Increasingly , students and teachers rely on each other to access sources of knowledge and share their information , expanding the general scope of the educational process to include not just instruction , but the expansion of knowledge . The role change from keeper of knowledge to facilitator of learning presents a challenge and an opportunity for educators to dramatically change the way their students learn . The boundaries between teacher and student have less meaning with interactive learning .

neg: United World College of South East Asia The United World College of South East Asia ( UWCSEA ) is an independent international school in Singapore , and a member of the United World College ( UWC ) movement . The school provides a K -- 12 education consisting of five interlinking elements : academics , activities , outdoor education , personal and social education and service . The UWCSEA learning programme leads to the IGCSE in Grades 9 and 10 and the IB Diploma in Grades 11 and 12 . The school has two campuses , with around 3,000 students at the Dover Campus and 2,400 at the East Campus .   The school offers extensive sports , drama , visual art , music , clubs/societies and leadership activities , along with an outdoor education programme . All students contribute to the community as part of the service programme , which can involve service to the school community , the Singaporean community , and overseas communities . The Good Schools Guide International 's review of the school , states that : `` This school has a deservedly good reputation academically but offers far more than exam success to its students ... This is not a school for those who would be happy to sit on the sidelines ... '' .   UWCSEA is somewhat different from many of its sister colleges in the UWC movement , most of which are wholly boarding institutions which offer only a two-year International Baccalaureate Diploma Programme for mainly scholarship students of around 16 -- 19 years of age . UWCSEA admits students from the age of 4 and , the majority of students are children of expatriates in Singapore . There are more than 300 boarders from 76 countries across both campuses , and over 100 students from 47 countries in grades 8-12 who are supported by scholarships . Singapore government policy prevents most citizens from attending international schools within the country , and therefore UWCSEA has the smallest percentage of local students of any UWC . There are 30 nationalities represented in the teaching staff .

neg: The Face Reader The Face Reader ( ; lit . `` Physiognomy '' ) is a 2013 South Korean film starring Song Kang-ho as the son of a disgraced noble family who goes around Joseon and studies physiognomy . He is able to assess the personality , mental state and habits of a person by looking at his or her face . His talents bring him to the royal courts where he becomes involved in a power struggle between Grand Prince Suyang and general Kim Jongseo , a high-ranking loyalist to King Munjong .   The Face Reader became one of the highest-grossing films in South Korea in 2013 , with 9.1 million admissions . It won six awards at the 50th Grand Bell Awards , including Best Film , Best Director for Han Jae-rim , and Best Actor for Song Kang-ho .

neg: Sakha-Korean School The Sakha-Korean School is a school in Yakutsk , Sakha Republic . It was founded in 1994 and in 2008 it enrolled roughly 280 students at the primary and middle-school levels ( up from roughly 200 in 2002 ) .

neg: Stanton College Preparatory School Stanton College Preparatory School is an academically renowned public high school in Jacksonville , Florida . The school 's history dates to the 1860s when it was begun as an elementary school serving the African-American population under the then-segregated education system . It now serves secondary students ( grades 9-12 ) within the Duval County Public Schools of Duval County , Florida . The school offers special curricula which include Honors courses , Advanced Placement , and International Baccalaureate courses . In 2005 , the Advanced Placement Report to the Nation officially recognized Stanton College Preparatory School as the best large size high school for Advanced Placement European History and Advanced Placement English Literature and Composition in the world .   From 2000 to 2003 , Stanton College Prep was ranked first in Newsweek magazine 's list of the top 1,000 public schools in the United States , and is the only school in the nation to have been in the top 5 every year from 2000-2011 . US News and World Report ranked Stanton at ninth place on its 2008 list of America 's Best High Schools . It has frequently ranked first in the US in the number of International Baccalaureate diplomas awarded . Stanton perennially leads the Jacksonville metropolitan area in the number of National Merit Scholarship recipients , and consistently ranks in the top three in the state . The school has been named a Blue Ribbon School of Excellence . As of August 2014 , Stanton is rated number 12 of the top high schools in the nation by US News and number 10 by Newsweek .   Stanton was called `` one of the premier IB and AP public schools in the country '' by Jay Mathews in his 2005 book Supertest : How the International Baccalaureate Can Strengthen Our Schools . To many students , Stanton is known for its challenging academics and rigorous standards . Most Stanton students attend some form of college after graduation , whether four-year or two-year institutions , local , national , or international . In 2014 , the Washington Post ranked the school as the 4th most challenging high school in the Southern United States .

neg: List of teen films Teen film is a film genre targeted at teenagers and young adults in which the plot is based upon the special interests of teenagers and young adults , such as coming of age , first love , rebellion , conflict with parents , teen angst , and alienation . Some of these films are targeted at adults as well as teenagers . Teen films have been a trope of the cinema industry for decades since the 1950s . At this time , the film industry saw a greater market for teens with more disposable income and therefore more money to spend on leisure activities , largely going to films . Because of the boom in teen viewers , drive-in movie theaters were also very popular . However , even the silent era had teen films . Recently , online streaming services such as Netflix have created a resurgence in the `` tween '' and teenage-oriented film .

neg: Intruders (2013 film) Intruders is a 2013 South Korean comedy film written and directed by Noh Young-seok . It was screened in the Contemporary World Cinema section at the 2013 Toronto International Film Festival .

neg: One to one computing (education) In the context of education , one-to-one computing ( sometimes abbreviated as `` 1:1 '' ) refers to academic institutions , such as schools or colleges , issuing each enrolled student an electronic device in order to access the Internet , digital course materials and digital textbooks . The concept has been actively explored and sporadically implemented since the late 1990s . One-to-one computing is frequently contrasted with a policy of `` bring your own device '' ( BYOD ) , which encourages or requires students to use their own laptops , smartphones or other electronic devices in class . One-to-one computing offers the benefits of equal access , standardization , easy upgrades , simple networking and the ability to monitor student progress and online behavior . For these reasons , one-to-one computing is a major part of education policy in many countries . These benefits also underlie the one-to-one model of One Laptop per Child ( OLPC ) , a charity that aims to issue electronic devices to millions of children in the developing world .   However , one-to-one requires substantial institutional investment . In addition to the initial cost of purchasing hundreds or thousands of electronic devices , there are very substantial ongoing costs to institutions , including implementation , training , software licensing , monitoring , security , upgrades and maintenance . Therefore , the overall cost -- benefit ratio of a one-to-one model is the subject of lively debate . Many students are likely to own and use one or more electronic devices in addition to the school-issued electronic device , raising the question of whether 1:1 is redundant or wasteful . Furthermore , the ultimate academic benefits of one-to-one , if any , are unclear . According to research published by Boston College , the educational value of 1:1 depends on the classroom teacher . Some schools have even phased out their one-to-one programs because there was no evidence of academic gains . Other studies have shown some progress in specific subjects , especially in writing scores , that are correlated with the use of school-issued laptops . The wide range of results for 1:1 programs means there is no consensus on their benefits or drawbacks . Because 1:1 computing programs may have many goals , from improving educational outcomes to increasing equality , and are associated with such a wide range of teaching methods , it is also difficult to judge their overall success or value .

neg: School-related gender-based violence in Vietnam School-related gender-based violence in Viet Nam refers to physical , sexual , psychosocial and verbal violence that takes place in the Vietnamese education system . Different forms of School-related gender-based violence ( SRGBV ) interact and overlap . Bullying , for instance , occurs when there is an imbalance of power between the `` bully '' and the `` bullied '' and can happen through physical contact , verbal attacks , social exclusion , and psychological manipulation . Students are bullied when they are repeatedly and intentionally exposed to harmful and/or aggressive behaviour that results in injury or discomfort .


query: Naomi Watts was not in a film directed by Tom Tykwer.

pos: The International (2009 film) The International is a 2009 German -- American political thriller drama film directed by Tom Tykwer . The film follows an Interpol agent and an American district attorney who investigate corruption within the IBBC , a fictional merchant bank based in Luxembourg . It serves organized crime and corrupt governments as a banker and as an arms broker . The bank 's ruthless managers assassinate potential threats including their own employees .   Inspired by the Bank of Credit and Commerce International ( BCCI ) scandal of the 1980s , the film 's script , written by Eric Warren Singer , raises concerns about how global finance affects international politics across the world . Production began in Berlin in September 2008 , including the construction of a life-size replica of New York 's Guggenheim Museum for the film 's climactic shoot-out scene . The film opened the 59th Berlin International Film Festival on 5 February 2009 . Reviews were mixed : some praised the sleek appearance and prescient themes -- The Guardian called it a thriller with `` brainpower as well as firepower '' -- but The New Yorker criticised the development of the characters .

pos: Naomi Watts Naomi Ellen Watts ( born 28 September 1968 ) is an English actress and film producer . She made her screen debut in the Australian drama film For Love Alone ( 1986 ) and then appeared in the Australian television series Hey Dad . . ! ( 1990 ) , Brides of Christ ( 1991 ) and Home and Away ( 1991 ) and alongside Nicole Kidman and Thandie Newton in the coming-of-age comedy-drama film Flirting ( 1991 ) . After moving to America , Watts appeared in films , including Tank Girl ( 1995 ) , Children of the Corn IV : The Gathering ( 1996 ) and Dangerous Beauty ( 1998 ) and had the lead role in the television series Sleepwalkers ( 1997 -- 1998 ) .   After years as a struggling actress , Watts came to attention in David Lynch 's psychological thriller Mulholland Drive ( 2001 ) . The following year she enjoyed box-office success with her role as Rachel Keller in The Ring ( 2002 ) , the remake of a successful Japanese horror film . She then received nominations at the Academy Awards and the Screen Actors ' Guild Awards in the Best Actress categories for her portrayal of Cristina Peck in Alejandro González Iñárritu 's neo-noir 21 Grams ( 2003 ) . Her subsequent films include David O. Russell 's comedy I Heart Huckabees ( 2004 ) , the 2005 remake of King Kong , the crime-thriller Eastern Promises ( 2007 ) and the Tom Tykwer-directed thriller The International ( 2009 ) . Since then , Watts has portrayed Valerie Plame Wilson in the biographical drama Fair Game ( 2010 ) and Helen Gandy in Clint Eastwood 's biographical drama J. Edgar ( 2011 ) . For her leading role as Maria Bennett in the disaster film The Impossible ( 2012 ) , she received second nominations for the Academy Award and Screen Actors Guild Award for Best Actress and a nomination for the Golden Globe Award for Best Actress .   In 2002 , Watts was included in People magazine 's 50 Most Beautiful People . In 2006 , she became a goodwill ambassador for Joint United Nations Programme on HIV/AIDS , which helps to raise awareness of AIDS-related issues . She has participated in several fundraisers for the cause , and she is presented as an inaugural member of AIDS Red Ribbon Awards .

neg: The Signal (2014 film) The Signal is a 2014 American science fiction thriller film directed by William Eubank and co-written with Carlyle Eubank and David Frigerio . The film stars Brenton Thwaites and Laurence Fishburne . The film premiered at the 2014 Sundance Film Festival and was released theatrically in the United States on June 13 , 2014 . The film is among an increasing number of low-budget , independent science fiction films to be included at the Sundance Film Festival in recent years .

neg: Not as a Stranger Not as a Stranger is a 1955 Drama film produced and directed by Stanley Kramer based on the 1954 novel of the same name by Morton Thompson . The romantic melodrama novel was widely popular , topping that year 's list of bestselling novels in the United States .   The film was Kramer 's directorial debut and featured Olivia de Havilland and Robert Mitchum in the lead roles , backed by a stellar supporting cast including Frank Sinatra , Gloria Grahame , Broderick Crawford , Charles Bickford , Lon Chaney , Jr. , Harry Morgan , and Lee Marvin . The film was released by United Artists .   Sinatra had catapulted back into the limelight as the result of a supporting role for a film from a similarly popular novel , From Here to Eternity , two years earlier . Initially a minor box office success , Not as a Stranger is seldom seen today , never receiving widespread distribution on home video . It was first released on DVD in 1992 .

neg: Without Limits Without Limits is a 1998 biographical sports film . It is written and directed by Robert Towne and follows the relationship between record-breaking distance runner Steve Prefontaine and his coach Bill Bowerman , who later co-founded Nike , Inc. . Billy Crudup plays Prefontaine and Donald Sutherland plays Bowerman . It also stars Monica Potter , Jeremy Sisto , Judith Ivey , Matthew Lillard and William Mapother .   Without Limits was produced by Tom Cruise ( Cruise and Mapother are cousins ) and Paula Wagner , and released and distributed by Warner Bros. . Due to a very low-key promotional campaign , the $ 25 million film grossed only $ 777,000 at the box office , although it received good reviews from many major critics . Sutherland received a Golden Globe nomination for Best Supporting Actor .

neg: I Saw the Light (film) I Saw the Light is a 2015 American biographical drama film directed , written , and produced by Marc Abraham , starring Tom Hiddleston as country music legend Hank Williams and Elizabeth Olsen as his first wife , Audrey Williams . It is based on the book Hank Williams : The Biography by Colin Escott , George Merritt , and William ( Bill ) MacEwen . It was screened in the Special Presentations section of the 2015 Toronto International Film Festival .   The film is a biographical dramatization of country and blues singer-songwriter Hank Williams , his life and rise to fame as one of country music 's most popular and influential artists . The title comes from the gospel song of the same name written and performed by Williams . The film was released on March 25 , 2016 , by Sony Pictures Classics .

neg: The Man Without a Face The Man Without a Face is a 1993 American drama film starring and directed by Mel Gibson , in his directorial debut . The film is based on Isabelle Holland 's 1972 novel of the same name . Gibson 's direction received respectful reviews from most critics .

neg: The Dead and the Damned 2 The Dead and the Damned 2 ( also The Dead , the Damned , and the Darkness and Tom Sawyer vs Zombies ) is a 2014 American horror film written and directed by Rene Perez . It was released direct-to-video on October 7 , 2014 , and is the sequel to the 2010 film The Dead and the Damned .

neg: List of accolades received by Fences (film) Fences is a 2016 American drama film directed by Denzel Washington and written by August Wilson . Starring Washington , Viola Davis , Jovan Adepo and Stephen McKinley Henderson , the film focuses on a man and his life , family , and job . The film began a limited release on December 16 , 2016 , before opening wide on December 25 . The film was released to universal acclaim , with Rotten Tomatoes listing an approval rating of 93 % , based on 207 reviews , with an average rating of 7.7 / 10 , and Metacritic listing a score of 79 out of 100 , based on 48 reviews .   Fences won the Academy Award for Best Supporting Actress and the British Academy Film Award for Best Actress in a Supporting Role for Davis . The film won Best Supporting Actress for Davis and was nominated for Best Picture , Best Director , Best Actor for Washington , Best Acting Ensemble and Best Adapted Screenplay at Critics ' Choice Awards . The film won Best Supporting Actress -- Motion Picture for Davis and was nominated for Best Actor -- Motion Picture Drama for Washington at Golden Globe Awards . The film received four nominations at Satellite Awards , including Best Film , Best Director , Best Actor for Washington and Best Supporting Actress for Davis .

neg: The Other Half (2016 film) The Other Half is a 2016 Canadian romantic drama film , written and directed by Joey Klein . It stars Tatiana Maslany , Tom Cullen , Henry Czerny , and Suzanne Clément . The film had its world premiere at South by Southwest on March 12 , 2016 .

neg: The Countess Alice The Countess Alice is a 1992 BBC made for television drama film directed by Moira Armstrong and features Wendy Hiller , Zoë Wanamaker and Duncan Bell . This was Wendy Hiller 's last film role . It was made with the support of WGBH-Boston and shown on the American PBS network in 1993 . It was written by Allan Cubitt as part of the BBC Screenplay anthology TV series .

neg: Winter's Bone Winter 's Bone is a 2010 American independent drama film , an adaptation of Daniel Woodrell 's 2006 novel of the same name . Written and directed by Debra Granik , the film stars Jennifer Lawrence as a teenaged girl in the rural Ozarks of the central United States who , to protect her family from eviction , must locate her missing father . The film explores the interrelated themes of close and distant family ties , the power and speed of gossip , self-sufficiency , and poverty as they are changed by the pervasive underworld of illegal methamphetamine labs .   Winter 's Bone won several awards , including the Grand Jury Prize : Dramatic Film at the 2010 Sundance Film Festival . It also received four 2011 Academy Award nominations : Best Picture , Best Adapted Screenplay , Best Actress and Best Supporting Actor .

neg: Tyson (2008 film) Tyson is a 2008 documentary film about the life of former undisputed heavyweight world champion boxer Mike Tyson . It was directed by American filmmaker James Toback and produced by Nicholas Jarecki , Bob Yari , and NBA player Carmelo Anthony .   The film was publicly screened for the first time at the 2008 Cannes Film Festival and won the Regard Knockout Award at the Un Certain Regard event .  Tyson was released on April 24 , 2009 , distributed by Sony Classics .

neg: Unfinished Business (2015 film) Unfinished Business is a 2015 American comedy film directed by Ken Scott and written by Steven Conrad . The film stars Vince Vaughn , Tom Wilkinson , Dave Franco , Sienna Miller , Nick Frost , and James Marsden . It was released on March 6 , 2015 . The film received negative reviews and was a box office bomb .

neg: Wakefield (film) Wakefield is a 2016 American drama film directed and written by Robin Swicord , based on the short story of same name by E. L. Doctorow . The film stars Bryan Cranston and Jennifer Garner . Principal photography began on November 30 , 2015 , in Pasadena , California .   The film had its world premiere at the Telluride Film Festival on September 2 , 2016 . It was released in a limited release on May 19 , 2017 , before being released through video on demand on May 26 , 2017 , by IFC Films .

neg: Lamb (2015 American film) Lamb is an American drama film , written and directed by Ross Partridge . The film was adapted by the novel of the same name , by Bonnie Nadzam . The film stars Ross Partridge , Oona Laurence , Jess Weixler and Tom Bower .   The film had its world premiere at the SXSW film festival on March 14 , 2015 .  The film was released in a limited release on January 8 , 2016 , before being released through video on demand on January 12 , 2016 by The Orchard .

neg: Gardens of the Night Gardens of the Night is a 2008 drama film , starring Gillian Jacobs , John Malkovich , Ryan Simpkins and Tom Arnold ; and directed and written by Damian Harris .

neg: This Changes Everything This Changes Everything : Capitalism vs. the Climate is Naomi Klein 's fourth book ; it was published in 2014 by Simon & Schuster . In it , Klein argues that the climate crisis can not be addressed in the current era of neoliberal market fundamentalism , which encourages profligate consumption and has resulted in mega-mergers and trade agreements hostile to the health of the environment .   The book debuted on the New York Times bestseller list at number five on 5 October 2014 .   A documentary based on the book , titled This Changes Everything , was directed by Avi Lewis and produced by Alfonso Cuaron , Danny Glover and Seth MacFarlane .

neg: Naomi Clark Naomi Clark , played by AnnaLynne McCord , is a fictional character from the CW primetime drama 90210 , the fourth series of the Beverly Hills , 90210 franchise . The character was created by Rob Thomas , Gabe Sachs , and Jeff Judah , with later developments by Rebecca Sinclair , and occasional input from McCord .   During early stages of production , Naomi was largely described as a privileged and popular teenager . Prior to the series ' premiere , Sachs and Judah would further develop Naomi into an antiheroine with a number of flaws , virtues , and familial issues . In the second season , Sinclair , the new show-runner , maintained the previous developments but presented a more comedic take on the character . McCord has expressed fondness for the multi-faceted nature of the role , citing it as a factor in her decision to accept the part .   Often regarded as the show 's central figure , Naomi has received critical acclaim from the Los Angeles Times , Entertainment Weekly , People magazine , and other media outlets . Reviews have praised AnnaLynne McCord 's performance and the complexity of the role . Conversely , Naomi has also been a recipient of criticism , particularly during the second season . For her work in the role , McCord was nominated for a Teen Choice Award in 2009 , and won a Breakthrough of the Year Award in 2010 .

neg: Not Another Happy Ending Not Another Happy Ending is a 2013 British romantic comedy film directed by John McKay , starring Karen Gillan , Stanley Weber and Freya Mavor . Produced by Claire Mundell and Wendy Griffin , and written by David Solomons , the film premiered at the Edinburgh International Film Festival on 30 June 2013 .   It was largely shot in Glasgow 's Merchant City .

neg: Page Eight Page Eight is a 2011 British political thriller/action drama , written and directed for the BBC by the British writer David Hare , his first film as director since the 1989 film Strapless . The cast includes Bill Nighy , Rachel Weisz , Michael Gambon , Tom Hughes , Ralph Fiennes , and Judy Davis . The film was followed by Turks & Caicos ( 2014 ) and Salting the Battlefield ( 2014 ) , which were broadcast on BBC Two in March 2014 . The three films are collectively known as The Worricker Trilogy .

neg: Tusk (2014 film) Tusk is a 2014 American comedy horror film written and directed by Kevin Smith , based on a story from his SModcast podcast . The film stars Michael Parks , Justin Long , Haley Joel Osment , Génesis Rodríguez , and Johnny Depp . The film is intended to be the first in Smith 's planned True North trilogy .   Tusk had its world premiere at the Toronto International Film Festival , before it was released on September 19 , 2014 , by A24 . The film was Smith 's first major wide release since Cop Out , and performed poorly at the box office after receiving mixed reviews .


query: Ajay Devgn is a banker.

pos: Ajay Devgn Ajay Devgan ( born Vishal Veeru Devgan on 2 April 1969 ) , also credited as Ajay Devgn , is an Indian film actor , director and producer . He is widely considered as one of the most popular actors of Hindi cinema , who has appeared in over a hundred Hindi films . Devgan has won numerous accolades , including two National Film Awards and four Filmfare Awards . In 2016 , he was honoured by the Government of India with the Padma Shri , the fourth highest civilian honour of the country .   Devgan began his professional career with Phool Aur Kaante in 1991 and received a Filmfare Award for Best Male Debut for his performance . He then starred in successful films such as Jigar ( 1992 ) , Dilwale ( 1994 ) , Suhaag ( 1994 ) , Naajayaz ( 1995 ) , Diljale ( 1996 ) and Ishq ( 1997 ) . In 1998 , he appeared in a critically acclaimed performance in Mahesh Bhatt 's drama Zakhm and he received his first National Film Award for Best Actor for his role in the movie . In 1999 , his most-talked-about film was Hum Dil De Chuke Sanam in which he played Vanraj , a man who tries to unite his wife with her lover .   In the early 2000s , he gave critically acclaimed performances in Ram Gopal Varma 's fictional expose of Mumbai underworld Company . He played the character of a gangster , for which he won Filmfare Critics Award for Best Actor . The same year he gave another critically acclaimed performance in Deewangee for which he received the Filmfare Best Villain Award . In 2003 , he won his second National Film Award for Best Actor for his portrayal of Bhagat Singh in Rajkumar Santoshi 's biopic The Legend of Bhagat Singh . Throughout his career he has performed in many critically and commercially successful films including Raincoat ( 2004 ) , '' Gangajal , ( 2004 ) , Yuva ( 2004 ) , Apaharan ( 2005 ) , Omkara ( 2006 ) , Golmaal : Fun Unlimited ( 2006 ) , Golmaal Returns ( 2008 ) , All the Best : Fun Begins ( 2009 ) , Once Upon a Time in Mumbaai ( 2010 ) , Golmaal 3 ( 2010 ) , Raajneeti ( 2010 ) , Singham ( 2011 ) , Bol Bachchan ( 2012 ) , Son of Sardaar ( 2012 ) , Singham Returns ( 2014 ) and Drishyam ( 2015 ) . He has starred in more than hundred Hindi films . Having done so , he established himself as one of the leading actors of Hindi cinema .   In addition , Devgn owns a production company Ajay Devgn FFilms which was established in 2000 . In 2008 , he debuted as a film director with U Me Aur Hum . He is married to film actress , Kajol since 1999 and the couple have two children . In August 2009 , Devgn changed his surname from Devgan to Devgn on the request of his family .

neg: Lloyds Banking Group Lloyds Banking Group plc is a major British financial institution formed through the acquisition of HBOS by Lloyds TSB in 2009 . The Group 's history stems from the founding in 1695 by the Parliament of Scotland of the Bank of Scotland , which is the second oldest bank in the United Kingdom . The Group 's headquarters is located at 25 Gresham Street in the City of London and its registered office is on The Mound in Edinburgh . Lloyds Banking Group 's activities are organised into : Retail Banking ( including Mortgages and Sole Traders ) ; Commercial ; Life , Pensions & Insurance ; and Wealth & International . Lloyds ' has extensive overseas operations in the US , Europe , the Middle East and Asia .   Following the takeover , the Group stopped using the name HBOS publicly . The Halifax brand , products and pricing were discontinued in Scotland until reestablished in 2013 . The Halifax and Lloyds Bank brands are used in England and Wales and the Bank of Scotland brand is used in Scotland , each offering different products and pricing . Lloyds Banking Group 's CEO António Horta-Osório told The Banker , `` We will keep the different brands because the customers are very different in terms of attitude '' .   Lloyds Banking Group is listed on the London Stock Exchange ( LSE ) and is a constituent of the FTSE 100 Index . It had a market capitalisation of approximately as of 4 March 2014the 7th-largest of any LSE company . It has a secondary listing on the New York Stock Exchange , where it has a market capitalisation value of .

neg: Reserve Bank of India The Reserve Bank of India ( RBI ) is India 's central banking institution , which controls the monetary policy of the Indian rupee . It commenced its operations on 1 April 1935 during the British Rule in accordance with the provisions of the Reserve Bank of India Act , 1934 . The original share capital was divided into shares of 100 each fully paid , which were initially owned entirely by private shareholders . Following India 's independence on 15 August 1947 , the RBI was nationalised on 1 January 1949 .   The RBI plays an important part in the Development Strategy of the Government of India . It is a member bank of the Asian Clearing Union . The general superintendence and direction of the RBI is entrusted with the 21-member Central Board of Directors : the Governor , 4 Deputy Governors , 2 Finance Ministry representatives , 10 government-nominated directors to represent important elements of India 's economy , and 4 directors to represent local boards headquartered at Mumbai , Kolkata , Chennai and New Delhi . Each of these local boards consists of 5 members who represent regional interests , the interests of co-operative and indigenous banks .   A Central Bank is an independent apex monetary authority which regulates banks and provides important financial services like storing of foreign exchange reserves , control of inflation , monetary policy report . A Central Bank is known by different names in different countries . The functions of a Central Bank vary from country to country and are autonomous or quasi-autonomous body and perform or through another agency vital monetary functions in the country . A central bank is a vital financial apex institution of an economy and the key objects of central banks may differ from country to country still they perform activities and functions with the goal of maintaining economic stability and growth of an economy .   The bank is also active in promoting financial inclusion policy and is a leading member of the Alliance for Financial Inclusion ( AFI ) .   The bank is often referred to by the name Mint Street .

neg: Ajay Chhibber Ajay Chhibber is the first Director General of India 's Independent Evaluation Organisation with the status of Minister of State , recently established to assess the effectiveness of India 's development programs . From July 2008 to July 2013 for five years he was former United Nations Assistant Secretary-General and Assistant Administrator for the United Nations Development Programme ( UNDP ) .   Chhibber received his training as an economist at Stanford University , USA ( PhD , 1983 ) under a University fellowship and at Delhi School of Economics , India ( MA , 1976 ) . He received a BA in Economics from St Stephen 's College , Delhi University where he received the David Rajaram Prize for the best all - rounder in 1974 .   At UNDP , Chhibber managed the Asia-Pacific programmes covering 39 countries spanning from Iran to the islands in the South Pacific . At UNDP he supervised preparation of seminal Human Development Reports on Women and on Climate Change for the Asia Pacific region . Prior to that , he worked at The World Bank for nearly 25 years on a range of development issues , managing its programmes in Viet Nam , Turkey , Macedonia , Indonesia and the Pacific . He also worked in the research department on public finance and public economics . Chhibber was the lead author of the seminal work on Governance at the World Bank and the 1997 World Development Report on the Role of the State . Chhibber has also worked at the Planning Commission ( India ) and at the International Food Policy Research Institute . He has also taught economics at Georgetown University and the University of Delhi . Currently , he serves as a Visiting Scholar at the George Washington University 's Institute for International Economic Policy   Chhibber has published widely , including five books on economic development and many articles in international journals and in major newspapers .

neg: Ajay Sastry Ajay Sastry is a Director/Writer who directed his maiden film called ' Nenu Meeku Telusa ' starring Manchu Manoj , Sneha Ullal and Riya Sen.   His journey started with a short film called `` 12 '' ( Baarah ) that was produced by KAD Movies And Rana Daggubati ( of dum marro dum Fame ) . In the past , he played the role of Associate Director & Screenplay writer for movies such as Rakhi and Danger .   He had served as president of YOCS ( Young Orators Club ) for many years . He had been an active participant and winner at youth festivals in and around Hyderabad .   To add to this Ajay has been the lead singer of Rock bands like `` Alter Egoz '' and `` Jekyll and Hyde '' . An orator and a poet , his poems have been published in the `` American Anthology Of Poetry '' .   During his schooling , he had an opportunity through the YMCA to attend the ` World Championship Of Modern Western Dances ' at London and ran a dance school for almost five years before he shifted to being an ad film maker .   His first movie as a director ` Nenu Meeku Telusa ' hit the silver screen on October 10 , 2008

neg: Loan-deposit ratio Loan-deposit ratio , also known as the LTD ratio or LDR , is a ratio between the banks total loans and total deposits .   If the ratio is lower than one , the bank relied on its own deposits to make loans to its customers , without any outside borrowing . If on the other hand , the ratio is greater than one , the bank borrowed money which it reloaned at higher rates , rather than relying entirely on its own deposits . Banks may not be earning an optimal return if the ratio is too low . If the ratio is too high , the banks might not have enough liquidity to cover any unforeseen funding requirements or economic crises . It is a commonly used statistic for assessing a bank 's liquidity .   Category : Loans

neg: Janek Ratnatunga Professor Janek Ratnatunga , FCA is a Sri Lankan born Australian academic . A Professor of Accounting , he is currently the Chief Executive Officer of the Institute of Certified Management Accountants ( Australia ) , and an Adjunct Professor of Accounting at Swinburne University , Melbourne , Australia . Formerly , he was the Dean and Head of School of Commerce in University of South Australia and prior to that the Head of the Department of Accounting & Finance and Chair in Business Accounting at Monash University   Educated at the Royal College , Colombo , he went on to gain his MBA and PhD from the University of Bradford .   He has also held academic positions at the University of Melbourne and the University of Canberra in Australia ; and the University of Washington , University of Richmond and University of Rhode Island in the USA . He is currently the Editor of the Journal of Applied Management Accounting Research . He has authored/co-authored twenty-eight books on strategic cost management , entrepreneurship , financial accounting , accounting theory and financial modelling ; and over 250 academic and professional papers . Most of his contributions are listed on Research Gate .   He has worked in the profession as a Chartered Accountant with KPMG , and as a consultant for the World Bank . He has undertaken a major consultancy for the Australian Department of Defence in the valuation of strategic capabilities , and has valued the ` brand ' capabilities of major Telecommunication and IT companies worldwide . He is also a world authority on the business and accounting implications of global warming and carbon trading . His seminal in the area is titled , `` An Inconvenient Truth about Accounting '' .   In 2009 he received the prestigious joint American Accounting Association , AICPA ( USA ) , CIMA ( UK ) and CMA ( Canada ) Impact on Management Accounting Practice Award . The award is given annually to a paper published within the last five years in a refereed academic journal that has the greatest potential impact on Management Accounting Practice .

neg: Gambler (film) Gambler is a 1971 Bollywood thriller film directed by Amarjeet . The film stars Dev Anand and Shatrughan Sinha .

neg: Cinema of India The cinema of India consists of films produced across India . Cinema as a medium has gained immense popularity in the country and as many as 1,600 films in various languages of India are produced annually . Indian films have also come to be followed throughout South Asia , the Greater Middle East , Southeast Asia and other countries . Dadasaheb Phalke is known as the `` father of Indian cinema '' . The Dadasaheb Phalke Award , for lifetime contribution to cinema , was instituted in his honour , by the Government of India in 1969 , and is the most prestigious and coveted award in Indian cinema .   In the 20th century , Indian cinema , along with the Hollywood and Chinese film industries , became a global enterprise . As of 2013 , in terms of annual film output , India ranks first , followed by Nollywood , Hollywood and China . In 2012 , India produced 1,602 feature films . The Indian film industry reached overall revenues of $ 1.86 billion ( 93 billion ) in 2011 . This is projected to rise to $ 3 billion ( 200 billion ) in 2016 . In 2015 , India had a total box office gross of , the fourth largest in the world outside North America . Enhanced technology paved the way for upgrading from established cinematic norms of delivering product , altering the manner in which content reached the target audience . Biopics like Dangal and CGI-laden epics like Baahubali emerged as transnational blockbusters grossing over $ 200 million each in early 21st century . Indian cinema found markets in over 90 countries where films from India are screened . The Indian government extended film delegations to foreign countries such as the United States of America and Japan while the country 's Film Producers Guild sent similar missions through Europe .   The provision of 100 % foreign direct investment has made the Indian film market attractive for foreign enterprises such as 20th Century Fox , Sony Pictures , Walt Disney Pictures and Warner Bros. . Indian enterprises such as AVM Productions , Prasad 's Group , Sun Pictures , PVP Cinemas , Zee , UTV , Suresh Productions , Eros Films , Ayngaran International , Pyramid Saimira , Aascar Films and Adlabs also participated in producing and distributing films . Tax incentives to multiplexes have aided the multiplex boom in India . By 2003 as many as 30 film production companies had been listed in the National Stock Exchange of India , making the commercial presence of the medium felt .   The South Indian film industry defines the four film cultures of South India as a single entity . They are the Telugu , the Tamil , the Malayalam and the Kannada industries . Although developed independently over a long period , gross exchange of film performers and technicians as well as globalisation helped to shape this new identity .   The Indian diaspora consists of millions of Indians overseas for which films are made available both through media such as DVDs and by screening of films in their country of residence wherever commercially feasible . These earnings , accounting for some 12 % of the revenue generated by a mainstream film , contribute substantially to the overall revenue of Indian cinema , the net worth of which was found to be 1.3 billion in 2000 . Music in Indian cinema is another substantial revenue generator with the music rights alone accounting for 4 -- 5 % of the net revenues generated by a film in India .

neg: Rakhee Kapoor Tandon Rakhee Kapoor Tandon , is an Indian business entrepreneur . She is the daughter of Rana Kapoor , managing director of Yes Bank . She has worked as an investment banker in the United States and also holds an MBA degree from the Wharton School of the University of Pennsylvania . She is one of `` India 's 25 Most Influential Women '' , according to India Today .   She is the Founder , Managing Director & CEO of RAAS Capital ( India ) Pvt. Ltd , a financial services holding company . Under RAAS Capital , she has founded two ventures -- RAAS Housing Finance ( India ) Pvt. Ltd , a company that is engaged in providing long-term mortgage finance to retail customers , and Rural Agri Ventures India Pvt. Ltd , an incubation/project development firm focussed on verticals in the rural and agricultural domain .

neg: ICICI Manipal Academy of Banking and Insurance ICICI Manipal Academy of Banking and Insurance is a joint venture between the ICICI Bank and Manipal University .   The Academy was inaugurated on 5 February 2008 and was set up to transform graduates into `` smart bankers '' in a year . It is a multi campus institution . The first two campuses have been established at Hyderabad and Bangalore .   The Academy provides fully residential programmes to train selected probationary officers of the ICICI Bank . The thrust of training is to impart functional knowledge of general management and specialised knowledge of banking related subjects . Programme participants are put through a rigorous training , with emphasis on application of knowledge and overall development of personality . The training is supplemented with practical training in bank branches .

neg: Barclays Bank Mauritius An ancestor of Barclays Bank , National Bank of South Africa , first entered Mauritius in 1919 . In 1925 , National Bank of South Africa was merged with the Anglo-Egyptian Bank and the Colonial Bank in 1925 to form Barclays Bank ( Dominion , Colonial and Overseas ) . This brought the Mauritian operations under Barclays Bank . Since then , Barclays Bank Mauritius has grown to be the third largest bank in Mauritius , after Mauritius Commercial Bank and State Bank of Mauritius , with 25 branches and a market share of about 10-12 % .   In 2002 , Barclays Bank Mauritius bought Banque Nationale de Paris Intercontinentale ( BNPI ) . This acquisition brought with it 6 branches to add to Barclays ' existing 13 branches .   Barclays Bank Mauritius operated as a branch of Barclays Bank Plc until 1 June 2013 when it was locally incorporated as Barclays Bank Mauritius Limited ( `` BBML '' ) .   Mr Ravin Rao Dajee is currently the Managing Director .

neg: Satyajit Das Satyajit Das ( born 1957 ) is an Australian former banker and corporate treasurer , turned consultant , author and academic .

neg: Sushilfinance Sushil Finance Group is among the oldest Indian broking houses being associated with the Bombay Stock Exchange ( BSE ) as well as the National Stock Exchange ( NSE ) . Established in 1982 , Sushil Finance Group is in the financial sector for approximately three decades now , and has its headquarter located in Mumbai , the capital city of the Indian state of Maharashtra .   Led by Sushil N. Shah , the diversified financial services group has grown as one of the leading broking houses in India . It has long been recognized in the industry for its franchise model through which it helps budding investors to set up partnership businesses . The Group is empanelled with more than 50 financial institutions and banks , and has more than 600 franchisees across the country .   Sushil Finance 's expertise lies in comprehensive market research and has more than 50 research products under its brand . This enables the Group to offer advice across segments like IPOs , mutual funds , equities , commodities , currencies and fixed income . Analysts at Sushil Finance emphasize on showing the real picture of the stock market . Senior research analysts associated with Sushil Finance are often featured in leading dailies and news portals .   In 2012 , the Group had launched an independent insurance arm called Sushil Insurance Brokers Private Limited ( SIBPL ) to cater to the insurance needs of prospective investors . Besides , the Group has released a slew of investment related products , which cater to investors with low risk appetite .

neg: Exchange Bank of India & Africa The Exchange Bank of India & Africa was established in Bombay in 1942 . It expanded rapidly and at its peak had branches in India at Ahmedabad , Amraoti , Amritsar , Bhavnagar , Bangalore , Calcutta , Cochin , Delhi , Karachi , Khamagaon , Kolhapur , Madras , Madura , Nagpur , Rajkot , Surendranagar , Tinnevelly , and Tuticorin . It also had overseas branches at Aden , Colombo , Dar-es-Salam , Jaffna , Jinga , Kampala , London , Mombasa , and Nairobi . The bank opened three East African branches in 1947 , with the branch in Tanzania opening in late 1948 . A crisis developed in the bank from about mid-February 1949 , resulting in a heavy run on the bank . The bank suspended payments in May and was liquidated in June 1949 . The Managing Director of the bank at the time , Jaswantrai Manilal Akhaney , was charged with and found guilty of criminal breach of trust for disposing of certain securities that a client had deposited with the bank .

neg: Banking in Australia The banking sector in Australia consists of a number of banks licensed to carry on banking business under the Banking Act 1959 , foreign banks licensed to operate through a branch in Australia , and Australian-incorporated foreign bank subsidiaries . There are also a large number of financial institutions , such as credit unions , building societies and mutual banks , which provide limited banking-type services .   The banking system is liquid , competitive and well developed . For the 10 years ended mid-2013 , the Commonwealth Bank was ranked first in Bloomberg Riskless Return Ranking a risk-adjusted 18 % . Westpac Bank was in fourth place with 11 % and ANZ Bank was in seventh place with 8.7 % .

neg: Aldermore Aldermore Bank is a retail bank which provides financial services to small and medium-sized businesses . It is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index .

neg: Net interest income Net interest income ( NII ) is the difference between revenues generated by interest-bearing assets and the cost of servicing ( interest-burdened ) liabilities . For banks , the assets typically include commercial and personal loans , mortgages , construction loans and investment securities . The liabilities consist primarily of customers ' deposits . NII is the difference between ( a ) interest payments the bank receives on loans outstanding and ( b ) interest payments the bank makes to customers on their deposits .   NII = ( interest payments on assets ) − ( interest payments on liabilities )   Depending on a bank 's specific assets and liabilities ( e.g. , fixed or floating rate ) , NII may be more or less sensitive to changes in interest rates . If the bank 's liabilities reprice faster than its assets , then it is said to be `` liability-sensitive . '' Further , the bank is asset-sensitive if its liabilities reprice more slowly than its assets in a changing interest-rate environment . The exposure of NII to changes in interest rates can be measured by the dollar maturity gap ( DMG ) , which is the difference between the dollar amount of assets that reprice and the dollar amount of liabilities that reprice within a given time period .

neg: Raghuram Rajan Raghuram Govind Rajan ( born 3 February 1963 ) is an Indian economist who is the Katherine Dusak Miller Distinguished Service Professor of Finance at the University of Chicago Booth School of Business . He was the 23rd Governor of the Reserve Bank of India between September 2013 and September 2016 . Between 2003 and 2006 , Rajan was the Chief Economist and Director of Research at the International Monetary Fund . In 2015 , during his tenure at the Indian Reserve Bank he also became Vice-Chairman of the Bank for International Settlements .   At the Federal Reserve annual Jackson Hole conference in 2005 , Rajan warned about the growing risks in the financial system and proposed policies that would reduce such risks . Former U.S. Treasury Secretary Lawrence Summers called the warnings `` misguided '' and Rajan himself a `` luddite '' . However , following the 2008 economic crisis , Rajan 's views came to be seen as prescient and he was extensively interviewed for the Oscar-winning documentary Inside Job ( 2010 ) .   In 2003 Rajan received the inaugural Fischer Black Prize , given every two years by the American Finance Association to the financial economist younger than 40 who has made the most significant contribution to the theory and practice of finance . His book , Fault Lines : How Hidden Fractures Still Threaten the World Economy , won the Financial Times/Goldman Sachs Business Book of the Year award in 2010 . In 2016 , he was named by Time ( magazine ) in its list of the ` 100 Most Influential People in the World ' .

neg: Anglo Irish Bank Anglo Irish Bank was an Irish bank headquartered in Dublin from 1964 to 2011 . It began to wind down after nationalisation in 2009 .  In July 2011 Anglo Irish merged with the Irish Nationwide Building Society , forming a new company named the Irish Bank Resolution Corporation . Michael Noonan , the Minister for Finance stated that the name change was important in order to remove `` the negative international references associated with the appalling failings of both institutions and their previous managements '' .   Anglo Irish mainly dealt in business and commercial banking , and had only a limited retail presence in the major Irish cities . It also had wealth management and treasury divisions . Anglo Irish had operations in Austria , Switzerland , the Isle of Man , the United Kingdom , and the United States .   The bank 's heavy exposure to property lending , with most of its loan book being to builders and property developers , meant that it was badly affected by the downturn in the Irish property market in 2008 . In December 2008 , the Irish government announced plans to inject $ 1.5 billion of capital for a 75 % stake in the bank , effectively nationalising it . The Dublin and London Stock Exchanges immediately suspended trading in Anglo Irish 's shares , with the final closing share price of $ 0.22 representing a fall of over 98 % from its peak .   On 16 January 2009 the then Taoiseach Brian Cowen stated that it was `` business as usual '' at Anglo Irish Bank , and people should be reassured that the bank is solvent . Between June and September 2009 , the Minister for Finance provided $ 4 billion in capital . In a statement on 30 March 2010 , a day before Anglo Irish Bank reported its financial results , the Minister Of Finance Brian Lenihan announced an injection of $ 8.3 billion into the bank , noting that a further $ 10 billion may be required at a later stage to cover future losses and ensure an adequate capital base .   Since the nationalization of Anglo Irish Bank a number of controversies have arisen over certain business practices and loans , including loans to directors and loans to people associated with Brendan Murtagh , EMPG , and the QUINN group .   On 31 March 2010 Anglo Irish Bank reported results for the 15 months to December 2009 . Losses for the period were $ 12.7 billion , with an operating profit before impairment of $ 2.4 billion and an impairment charges of $ 15.1 billion driving the overall result . It is the largest loss in Irish corporate history . Total assets declined to $ 85.2 billion at the end of 2009 from $ 101.3 billion in September 2008 .   The European Commission allowed the Irish government on 10 August 2010 to temporarily grant $ 10 billion to Anglo Irish Bank - this included an additional $ 1.4 billion sought by Ireland to allow the nationalised bank meet its regulatory capital requirements in light of increased costs associated with transferring loans to the National Asset Management Agency .   In 2011 the accounts for UK savers were moved to the Allied Irish Bank ( GB ) .

neg: Diamond Bank Diamond Bank Plc. , is a Nigerian multinational financial service provider .