Wednesday, July 20, 2011

Bank Jobs : Allahabad Bank


Bank Jobs : Allahabad Bank


Designation : Senior Manager

Job Description :

  Name of the posts:

1. Senior Manager (Treasury cum Forex) in Specialist cadre (MMG, Sc – III) – 10 posts

Age limit: Candidates age limit is 35 years as on 01/07/2011, relaxation as per rules.

Educational Qualification: Candidates pass with minimum 55% marks in Graduation from a recognized University (No correspondence course). Preference will be given to the candidates with P.G. specialization in Treasury Management / Forex Management or CA/CFA/ICWA/MBA (Finance) from reputed Institute.

Selection Process: The mode of selection is based on Group Discussion and Interview/Interview.

Company Profile :

The Oldest Joint Stock Bank of the Country, Allahabad Bank was founded on April 24, 1865 by a group of Europeans at Allahabad. At that juncture Organized Industry, Trade and Banking started taking shape in India. Thus, the History of the Bank spread over three Centuries - Nineteenth, Twentieth and Twenty-First.

Allahabad Bank is one of the premier nationalized banks in India. It is also the oldest joint stock bank of India. It was incorporated by a group of Europeans at Allahabad on April 24, 1865. It was the time Indian economy had started shifting towards organized trade and business affairs. After some years in 1920, the P&O Bank brought Allahabad Bank and its headquarters at Kolkata. The Allahabad bank got an entirely new identity when it was nationalized in 1969 along with 13 other banks in India. Since then the Allahabad Bank had a smooth journey towards progress. Today it is one of the leading banks in India with a whooping business of over Rs.1, 00,000 crores.

Allahabad has adopted CBS (Core Banking Service) since 2006 and has developed 24 hours connectivity with its 2165 branches across the length and breath of the country. In 143 years of it existence the bank has come a long way by developing a wide grip over all the corners of India. At present the Allahabad Bank has 44 Zonal Offices 6 Staff Training Colleges and 3 Staff Training centers for imparting training centers in India.

Desired Profile :

Application Fee: Candidates pay the fee Rs-400/- for GEN/OBC candidates and Rs-50/- for SC/ST/PC (Physically Challenged) candidates in the form of challan paid at any branch of Allahabad Bank in current Account No. 50067543039 from 13/07/2011 to 12/08/2011.

How to Apply: The eligible candidates required to apply through online from www.allahabadbank.com website from 13/07/2011 to 12/08/2011.

Last Date : 12/08/2011

Education : Graduate/CA/CFA/ICWA/MBA

Location   : Kolkata







Bank Jobs : HDFC Bank Ltd


Bank Jobs : HDFC Bank Ltd


Designation : Sales Manager - Any Product.

Job Description :

* Marketting Executive selling any product can apply.

* Its an Open Drive for 'Sales/Marketting Professionals.

Company Profile :

HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 1725 branches and 4232 ATMs spread over 779 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange.

The Bank has been bestowed with numerous awards and accolades from top national and international agencies & magazines. HDFC Bank comprises of a dynamic and enthusiastic team determined to accomplish the vision of becoming a World-class Indian bank. Our business philosophy is based on our four core values - Customer Focus, Operational Excellence, Product Leadership and People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts.

We are committed to hiring, developing, motivating and retaining the best people in the industry The Bank’s objective is to build sound business franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to healthy growth in profitability while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

Desired Profile :

Requirements:

* Candidate must possess at least a Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management in any field.

* At least 2 year(s) of working experience in the related field is required for this position.

* Preferably Managers specializing in Marketing/Business Development or equivalent. Job role in Marketing Executive or equivalent.
 
* 1 Full-Time positions available.

Experience : 2 - 6 Years

Functional Area : Banking, Insurance

Education :
UG - Any Graduate
PG - CA,MBA/PGDM - Marketing,PG Diploma

Location : Delhi, Faridabad, Gurgaon


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Bank Jobs : Aviva India


Bank Jobs : Aviva India 


Designation : Sales Manager - 15 Opening(s)

Job Description :

Purpose:

The role primarily comprises of managing the adviser sales team to achieve the desired sales objectives.

Context:

The Role-holder will work closely with the Branch Manager - Direct Sales Force for implementation of strategies leading to market development within his defined territory.

Main Priorities:

• Sales call planning – Analysis of territory opportunities, strategies for effective territory coverage, customer research, identifying, prospecting and classifying customer on the basis of socio – economic and cultural factors, dealing with diverse customer profiles.

• Achieving sales targets as per budget.

• Development of professional Standards in the adviser team by regularly training them on product and sales processes

• Coordinate, monitor and review the sales efforts of the advisor team.

• Distribution of responsibility pertaining to the clients & prospective clients between advisers

• Comprehensive knowledge of the company’s and competitor’s products

• Market feedback

Company Profile :

Aviva India is a joint venture between one of the country’s oldest and largest groups, Dabur, and Aviva plc, the UK's largest insurance group, whose association with India dates back to 1834. Our vision is to be amongst India’s leading life insurers with a quality business model, focused on sustainable growth. We seek to build a robust product portfolio meeting all customer lifecycle needs related to – Savings, Retirement, Investments and Protection.

With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), we have initiated and pioneered many innovative sales approaches, including the concept of Bancassurance and Financial Health Check services. We are among the first companies to introduce the contemporary unit-linked products.

Desired Profile :

Qualifications:

Graduate having 1+ yrs of experience in sales.

Skills/Knowledge:

• Have the ability to manage and lead a team of advisors to deliver targets across whole product range within agreed timelines

• Excellent selling skills

• Skills in leadership, interpersonal communication, and problem solving capability.

• Thorough knowledge of local market

• Aptitude for financial numbers

• Coaching and developing skills

Experience:

• First level supervisory sales experience in financial services (credit card, auto loans, investment companies etc.), direct selling, FMCG organisations

• Should be leading a team of minimum 5-6 frontline sales people

- Email to satheesh.k@avivaindia.com

Experience: 1 - 6 Years

Role : Sales/BD-Mgr

Functional Area : Banking, Insurance

Education :
UG - Any Graduate - Any Specialization
PG - Any PG Course - Any Specialization

Location : Aurangabad, Pune


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Bank Jobs : HDFC Bank Ltd


Bank Jobs : HDFC Bank Ltd


Designation : Relationship Manager - NRI Services

Job Description :

Responsibilities:

* Customer Management
* Manage 125-200 NRI Preferred Relationships
* Ensure Customer Level Processes are in place for every Customer Relationship Ensure 100% customers are contacted every Month
* Ensure that Customers are aware of the Preferred Benefits
* Ensure highest quality service to all NRI Customers
* Business Generation
* Generate incremental revenue as defined
* Retain and deepen the Liability Relationship
* Improve CTG /IPH of the Portfolio Customers
* Acquire New NRI Accounts
* Cross Sell Products- Direct Banking, TPP, Assets, Gold etc.
* Branch NRI Customer Management
* Provide Support to the Branches assigned
* Ensure that every Branch has a NRI Champions
* Ensure Training of NRI Champions & Branch Staff
* Ensure Servicing and Sales to Branch NRI Customers
* Joint Calls with Branch Staff for NRI Customers
* Support the Branch by carrying out initiatives to achieve NRI Business Targets
* Single point contact for the cluster for NRI Business

Company Profile :

HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 1725 branches and 4232 ATMs spread over 779 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange.

The Bank has been bestowed with numerous awards and accolades from top national and international agencies & magazines. HDFC Bank comprises of a dynamic and enthusiastic team determined to accomplish the vision of becoming a World-class Indian bank. Our business philosophy is based on our four core values - Customer Focus, Operational Excellence, Product Leadership and People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts.

We are committed to hiring, developing, motivating and retaining the best people in the industry The Bank’s objective is to build sound business franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to healthy growth in profitability while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

Desired Profile :

Requirements:

* Candidate must possess at least a Bachelor of Business Administration or Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management in any field.

* At least 2 year(s) of working experience in the related field is required for this position.

* Preferably Senior Executives specializing in Banking/Financial Services or equivalent. Job role in Others or equivalent.

* 2 Full-Time positions available.

Experience : 2 - 6 Years

Functional Area : Banking, Insurance

Education :
UG - B.B.A - Management,Diploma
PG - MBA/PGDM

Location : Hyderabad / Secunderabad


APPLY HERE



 

Tuesday, July 19, 2011

Bank Jobs : Lakshmi Vilas Bank


Bank Jobs : Lakshmi Vilas Bank


Designation : Regional Head (Senior Management Cadre)

Job Description :

Na of Post :

Name of the Vacancies: Regional Head (Senior Management Cadre)

Age limit: Candidates age is 45 to 50 years.

Qualification: Post Graduate with CAIB, MBA/CA are desired.

Experience: Candidates with 5- 10 years experience as a Regional Head in Public Sector Banks/Other Leading Private Sector Banks.

Company Profile :

The Lakshmi Vilas Bank Limited (LVB) was founded eight decades ago ( in 1926) by seven people of Karur under the leadership of Shri V.S.N. Ramalinga Chettiar, mainly to cater to the financial needs of varied customer segments. The bank was incorporated on November 03, 1926 under the Indian Companies Act, 1913 and obtained the certificate to commence business on November 10, 1926, The Bank obtained its license from RBI in June 1958 and in August 1958 it became a Scheduled Commercial Bank.

During 1961-65 LVB took over nine Banks and raised its branch network considerably. To meet the emerging challenges in the competitive business world, the bank started expanding its boundaries beyond Tamil Nadu from 1974 by opening branches in the neighboring states of Andhra Pradesh, Karnataka, Kerala, Maharashtra, Madhya Pradesh, Gujarat, West Bengal, Uttar Pradesh, Delhi and Pondicherry. Mechanization was introduced in the Head office of the Bank as early as 1977. At present, with a network of 273 branches,1 satellite branch and 9 extension counters, spread over 16 states and the union territory of Pondicherry, the Bank's focus is on customer delight, by maintaining high standards of customer service and amidst all these new challenges, the bank is progressing admirably. LVB has a strong and wide base in the state of Tamil Nadu, one of the progressive states in the country, which is politically stable and has a vibrant industrial environment. LVB has been focusing on retail banking, corporate banking and banc assurance.

The Bank's business crossed Rs.15561.01 Crores as on March 31, 2010. The Bank earned a Net profit of Rs. 30.66 Crores. The Net owned Funds of the Bank reaches Rs. 739.00 Crores. With a fairly good quality of loan assets the Net NPA of the bank was pegged at 4.11 % as on March 31, 2010.

Desired Profile :

How to Apply: Candidates down load the application from the banks website. Candidates send the completely filled application along with Resume to the following address The General manager. The Lakshmi Vilas Bank Limited, HRD Department, Administration Office, Salem Road, kathaparai, Karur – 639006 on or before 30/07/2011.

Last Date  : 30/07/2011

Education : CAIB, MBA/CA

Location   : Tamil Nadu



More Details Here



 

Bank Jobs : HDFC Bank Ltd


Bank Jobs : HDFC Bank Ltd


Designation : Relationship Manager-Emerging Enterprises Group

Job Description :

*  Complete ownership of a portfolio of between app. 35 productive accounts. The number of accounts managed may vary depending upon asset size of the portfolio, geography covered, operational intensity and branches mapped to the RM. He is bank’s face to the customer.
* Responsible for the growth of the portfolio (organic and inorganic), ensuring targets are met and there is availability of an increased revenue stream.
* Credit Management & Housekeeping: Primarily includes CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management.
* Ensuring the quality of Portfolio: Be on the lookout for stress signs in the client operations / activity and address them
* Day to day Activities
* CAM / SRM
* Documentation Pre-sanction and post sanction
* Customer negotiation on rates and other terms
* Updating LTS and conversion of leads
* Regular Branch interaction
* Daily servicing of customer
* Call Memo preparation
* Site visit / plant /property visitation
* Supporting RMs for the above activities for their accounts.

Company Profile :

HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 1725 branches and 4232 ATMs spread over 779 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange.

The Bank has been bestowed with numerous awards and accolades from top national and international agencies & magazines. HDFC Bank comprises of a dynamic and enthusiastic team determined to accomplish the vision of becoming a World-class Indian bank. Our business philosophy is based on our four core values - Customer Focus, Operational Excellence, Product Leadership and People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts.

We are committed to hiring, developing, motivating and retaining the best people in the industry The Bank’s objective is to build sound business franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to healthy growth in profitability while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

Desired Profile :

Requirements:

*  Experience in working capital, candidates having knowlege of mortgages and financials Products,Good Managerial Skills,

* At least 2 year of working experience in the related field is required for this position.

* Candidate must possess at least a Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management or Chartered Accountancy in Marketing or equivalent.

Experience : 2 - 6 Years

Functional Area : Banking, Insurance

Education :
UG - Any Graduate
PG - CA,MBA/PGDM - Marketing

Location : Delhi


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Bank Jobs : Yes Bank Ltd


Bank Jobs : Yes Bank Ltd


Designation: Client Relationship Partner(CASA Acquisition) - 10 Opening(s)

Job Description:
     
Positions are available for Calangute, Ponda, Panjim, Mapusa and Margao.

* Create a portfolio of clients through acquisition of Current Accounts, liability products & cross sell of third party products (Mutual Fund, insurance etc.)

* Deepen the current accounts (liabilities) and cross sell wealth management products

* Based on CRM, meet and understand the client requirement; business development of clients based on identified select industry segments

* Maintain ongoing contact with operations in order to ensure smooth delivery of transactions

Company Profile:

YES BANK is a state-of-the-art high quality, customer centric, service driven,private Indian Bank catering to the “Future Businesses of India”, and isan outcome of the professional & entrepreneurial commitment of Rana Kapoor, Founder, Managing Director & CEO. As the Professionals’ Bank of India, YES BANK has exemplified ‘creating and sharing value’ for all itsstakeholders, and has created a differentiated Banking Paradigm. Sinceinception, YES BANK has tried to play a catalytic role in bridging the infrastructureand knowledge gap in various Sunrise sectors of the economy. As part of the differentiated strategy, YES BANK has had a strong focus on Development Banking, and has tried to play a catalytic role in bridging theinfrastructure and knowledge gap in Sunrise sectors of the economy, asis evident from cutting-edge work that the Bank has done in the area of Food & Agribusiness, in most cases first-of-its kind in India, Infrastructure, Microfinance, and Sustainability. Our focus on Governanceand Good Corporate Citizenship, actualized through YES BANK’s Responsible Banking approach, stands evidence of YES BANK’s strategic vision.

Desired Profile:

• 1 to5 years of hard core experience in retail sales

• Well aware of local market

• Open to change and eagerness to grow

• Good Convincing Skills

• Strong on sales and customer engagement

• Drive to make things happen

• Age Specification – 22 to 30 yrs

Keywords:  CASA, TPP, Current Account, Savings Account, Insurance

Experience:     1 - 4 Years

Role: Sales Officer

Functional Area:  Banking, Insurance
 
Education:
UG - Any Graduate - Any Specialization
PG - Any PG Course - Any Specialization

Location:  Goa



Apply Online



 

Bank Jobs : HDFC Bank Ltd


Bank Jobs : HDFC Bank Ltd


Designation : Sales Manager - Home Loans

Job Description :

 Responsibilities:

* Sales - Handling DST / DSA channel.

* Manage Relationship with HDFC Ltd.

* Direct and co-ordinate the various marketing/sales/relationship building activities with Corporates and Builders , thereby ensuring the achievement of targets.

* To build HBL / DSA team to Potential

* Will be responsible for the city & Branch Sales targets

Company Profile :

HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 1725 branches and 4232 ATMs spread over 779 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange.

The Bank has been bestowed with numerous awards and accolades from top national and international agencies & magazines. HDFC Bank comprises of a dynamic and enthusiastic team determined to accomplish the vision of becoming a World-class Indian bank. Our business philosophy is based on our four core values - Customer Focus, Operational Excellence, Product Leadership and People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts.

We are committed to hiring, developing, motivating and retaining the best people in the industry The Bank’s objective is to build sound business franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to healthy growth in profitability while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

Desired Profile :

*  Candidate must possess at least a Full-Time Master in Business Admin/Post Graduate

* Diploma in Business Administration/Post Graduate Program in Management in Marketing or equivalent.

* Should have completed minimum 1 year in current Job Role.

* Sourcing of business from various channels like Branch, DSA, Phone banking and increasing further distribution channel.

* Having experience in channel tie-ups and cross selling

* Any prior Retail Assets -Sales/Home Loan exposure will be a added advantage

* Excellent Communication Skills/Relationship Management

* Total experience of 2-5 years in Sales

* High orientation towards sales as well as customer service

Experience : 1 - 5 Years

Functional Area : Banking, Insurance

Education :
UG - Diploma
PG - MBA/PGDM - Marketing

Location : Jalandhar



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Monday, July 18, 2011

Bank Jobs : HDFC Bank Ltd


Bank Jobs : HDFC Bank Ltd


Designation : CPU Retail Operations - 10 Opening(s)

Job Description :


Responsibilities


Error free Verification of CASA  Current and Savings/Term Deposit account opening forms / documents for compliance to the KYC guidelines issued by the Bank and various regulatory authorities from time to time.


Ensuring that all discrepancies in account opening forms are raised to the Branch correctly and at a single instance.


Checking of reverts received from branches on discrepant forms and evaluation of the same for completeness and compliance to internal and external guidelines


Ensuring TAT�s as committed to Business groups are adhered to and any instances of non compliance are reported to immediate supervisor


Generation & Maintenance of Internal MIS


Processing of ancillary maintenances received at the time of account opening which require direct processing in Finware


Support to sourcing Channel


Ensure that the Benchmarked Productivity is achieved


Company Profile :


HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 2000 branches and 5624 ATMs spread over 996 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange. The Bank has been bestowed with numerous awards and accolades from top national and international agencies & magazines. HDFC Bank comprises of a dynamic and enthusiastic team determined to accomplish the vision of becoming a World-class Indian bank. Our business philosophy is based on our four core values - Customer Focus, Operational Excellence, Product Leadership and People. We believe that the ultimate identity and success of our bank will reside in the exceptional quality of our people and their extraordinary efforts. We are committed to hiring, developing, motivating and retaining the best people in the industry The Bank’s objective is to build sound business franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments. We are committed to healthy growth in profitability while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.


Desired Profile :


Requirements


Candidate must possess at least a Bachelor of Commerce, Bachelor of Science , Bachelor of Business Administration, Bachelor of Computer Application , Master of Art , Master of Commerce , Master of Computer Application/Computer Science, Master of Science or Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management in Commerce, Finance/ Accountancy/Banking, Computer Science/Information Technology, Physics, Science & Technology, Business Studies/ Administration/ Management or equivalent.


Required skill(s): good oral, written communication.


Preferably Junior Executives specializing in Banking/Financial Services or equivalent. Job role in Retail Banking/Branch Operation or equivalent.


At least 1 year(s)of Banking experience preferably in Liability Products (Back Office Operations)


Written and Verbal Communication Skills


Should be a Team Player


Interpersonal skills


Flair for working in operations


Working knowledge in finware system


Computer awareness and proficiency in MS office


10 Full-Time positions available.


Experience : 1 - 3 Years


Role : Operations Officer


Functional Area : Banking, Insurance


Education :

UG - B.B.A,B.Com,B.Sc,BCA

PG - M.A,M.Com,MBA/PGDM,MCA


Location : Chennai



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Bank Jobs : Muthoot Finance


Bank Jobs : Muthoot Finance


Designation : Regional Manager - Andhara Pradesh

Job Description :    

Role & Responsibility

1.Effectively control and supervise all the branches in all administrative aspects of the region

2.Monitor and motivate all branches in the region

3.Ensuring all the branches are achieving their business target

4.Responsible for overall business development of the region

5.Responsible for branch expansion of the region .

Company Profile :

Muthoot Finance is the largest gold banking company of India serving more than 1,00,000 customers every day with pan India presence across 22 States and more than 3000 branches spread across the Country. The activities of the company linked as they are deeply with rural, urban and metro eco system of the country, provides to its employees enormous opportunities for participating in the inclusive growth of our country and in the process, becoming an agent of change for a large cross section of the society. Professionalism in all that it does, is the hall mark of the corporate culture of the Company. The Company provides healthy working environment with tremendous opportunities for career advancement. The Company’s saga of progress over the years with its embedded potential for growth offers to a new entrant a promising future

Muthoot Group forayed into the corporate corridors of power way back in 1887, albeit a small beginning with Muthoot Bankers. The foundation stone was laid down by Mr. Ninan Mathai Muthoot and Mr. M. George Muthoot at their hometown Kozhencherry in Kerala (South India).

With steadfast resilience and a commitment to cater to the needs of the common people, the Group has captured the trust and faith of its customers, in no time at all. And has grown to become one of the largest financial groups of its kind in India.
 
Desired Profile :

- Candidate should be retired from nationalized bank from Scale 5 or above.

- Must have experience as regional / zonal head

- Should ready to take responsibilities & challenges.

- Should have good administrative capacity.

Experience : 1 - 6 Years

Role : Regional Mgr

Functional Area : Banking, Insurance

Education :
UG - Any Graduate - Any Specialization
PG - Any PG Course - Any Specialization

Location : Dist HQ in AP


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