Problem

This is one of the many negative words that we use very regularly in our daily conversation. `Problem in the work place…problem at home…what a life?

What is a problem?

Look at this incident. A young graduate was tired of hunting for a job. After many years, he got a job as a journalist. He went to the office full of expectations and a subtle fear. The chief editor called him and said, `Today is independence day. A navy vessel has docked in our harbour. Navy personale are celebrating Independence Day on that vessel. Cover this as a news item for our magazine."

First day, first assignment!

The young man ran excitedly towards the horbour. In the evening, the other reporters who went to various places like the fort, collectorate, party office and so on gathered in the main office to give finishing touches to their respective reports. The new journalist was alone, sitting soulfully without writing anything. One of the colleagues asked him gently, "Why aren't you writing your report?

`It is all my luck! When I try to sell flour, a high wind blows and when I go to sell salt, it rains! The very first day my assignment has got me into trouble. The editor sent me to cover independent celebrations on the Navy vessel. There were no celebrations on that vessel', the young journalist expressed sardonically

`Why', pursued the colleague.

`There was a big hole in that vessel. People who had gathered there were busy in the preparations; hence no one noticed it. Only when a lot of water has entered the vessel, did someone notice it. And thereafter, they were busy repairing the vessel. How on earth could they celebrate Independence day?' asked the new journalist sulkily.

His colleague was excited. He exclaimed, `My God! That news should come in the first page! And ran out to collect further information on that mishap.

The very information that made the new journalist wilt in sorrow because he viewed it as a `problem' was a golden opportunity for the other to prove his talent. The new journalist has missed an opportunity, which was spotted by another reporter.

Life is not something that happens according to a planned agenda. It is a procession of unexpected opportunities! In fact each problem is an opportunity for us.

The Top 30 Banks In The World

 

Industrial and Commercial Bank of China tops the global ranking of banks with the most capital.  This list shows the top 30 banks in the Top 1000 World Banks 2013 as published in the July issue of The Bankers Magazine.   The rankings are based on Tier 1 capital determining a bank's ability to lend on a large scale and banking operations.

The Top 30 Banks In The World

 

1. Industrial and Commercial Bank of China
Country: China

City: Beijing

$Million Tier 1 Capital: 160,645.95

$Million Assets: 2,788,905.72

Photo: Reuters Pictures

2. JP Morgan Chase & Co
Country: USA

City: New York

$Million Tier 1 Capital: 160,002.00

$Million Assets: 2,359,141.00

Photo: Getty Images

3. Bank of America
Country: USA

City: Charlotte

$Million Tier 1 Capital: 155,461.14

$Million Assets: 2,212,004.45

Photo: Getty Images

4. HSBC Holdings
Country: UK

City: London

$Million Tier 1 Capital: 151,048.00

$Million Assets: 2,692,538.00

Photo: Reuters Pictures

5. China Construction Bank Corporation
Country: China

City: Beijing

$Million Tier 1 Capital: 137,600.40

$Million Assets: 2,221,435.29

Photo: Reuters Pictures

6. Citigroup
Country: USA

City: New York

$Million Tier 1 Capital: 136,532.00

$Million Assets: 1,864,660.00

Photo: Getty Images

7. Mitsubishi UFJ Financial Group
Country: Japan

City: Tokyo

$Million Tier 1 Capital: 129,575.97

$Million Assets: 2,709,401.51

Photo: Getty Images

8. Wells Fargo & Co
Country: USA

City: San Francisco

$Million Tier 1 Capital: 126,607.00

$Million Assets: 1,422,968.00

Photo: Reuters Pictures

9. Bank of China
Country: China

City: Beijing

$Million Tier 1 Capital: 121,504.13

$Million Assets: 2,015,996.03

Photo: Reuters Pictures

10. Agricultural Bank of China
Country: China

City: Beijing

$Million Tier 1 Capital: 111,493.32

$Million Assets: 2,105,618.76

Photo: Reuters Pictures

11. BNP Paribas
Country: France

City: Paris

$Million Tier 1 Capital: 99,222.96 $Million Assets: 2,516,213.72

Photo: Reuters Pictures

12. Royal Bank of Scotland
Country: UK

City: Edinburgh
$Million Tier 1 Capital: 88,156.94

$Million Assets: 2,069,865.93

Photo: Reuters Pictures

13. Credit Agricole
Country: France

City: Montrouge

$Million Tier 1 Capital: 81,354.88

$Million Assets: 2,649,277.04

Photo: Getty Images

14. Banco Santander
Country: Spain

City: Madrid

$Million Tier 1 Capital: 81,259.89

$Million Assets: 1,674,970.98

Photo: Getty Images

15. Barclays
Country: UK

City: London

$Million Tier 1 Capital: 80,109.62

$Million Assets: 2,350,664.04

Photo: Reuters Pictures

16. Sumitomo Mitsui Financial Group
Country: Japan

City: Tokyo

$Million Tier 1 Capital: 78,902.37

$Million Assets: 1,718,045.06

Photo: Company Website

17. Mizuho Financial Group
Country: Japan

City: Tokyo

$Million Tier 1 Capital: 74,955.52

$Million Assets: 2,049,810.08

Photo: Getty Images

18. Lloyds Banking Group
Country: UK

City: London

$Million Tier 1 Capital: 67,435.33

$Million Assets: 1,458,283.91

Photo: Reuters Pictures

19. Goldman Sachs
Country: USA

City: New York

$Million Tier 1 Capital: 66,977.00

$Million Assets: 938,770.00

Photo: Reuters Pictures

20. Deutsche Bank
Country: Germany

City: Frankfurt am Main

$Million Tier 1 Capital: 66,600.26

$Million Assets: 2,654,787.60

Photo: Reuters Pictures

21. UniCredit
Country: Italy

City: Milano

$Million Tier 1 Capital: 64,469.66

$Million Assets: 1,222,726.91

Photo: Getty Images

22. Groupe BPCE
Country: France

City: Paris

$Million Tier 1 Capital: 61,354.88

$Million Assets: 1,513,879.95

Photo: Company Website

23. Bank of Communications
Country: China

City: Shanghai
$Million Tier 1 Capital: 57,613.43

$Million Assets: 838,375.04

Photo: Company Website

24. Morgan Stanley
Country: USA

City: New York

$Million Tier 1 Capital: 54,360.00

$Million Assets: 780,960.00

Photo: Reuters Pictures

25. Norinchukin Bank
Country: Japan

City: Tokyo

$Million Tier 1 Capital: 52,192.95

$Million Assets: 941,615.34

Photo: Company Website

26. ING Bank
Country: Netherlands

City: Amsterdam

$Million Tier 1 Capital: 52,084.43

$Million Assets: 1,102,992.08

Photo: Reuters Pictures

27. Rabobank Group
Country: Netherlands

City: Utrecht

$Million Tier 1 Capital: 50,675.46

$Million Assets: 992,625.33

Photo: Company Website

28. Societe Generale
Country: France

City: Paris

$Million Tier 1 Capital: 50,259.89

$Million Assets: 1,649,994.72

Photo: Reuters Pictures

29. Intesa Sanpaolo
Country: Italy

City: Torino

$Million Tier 1 Capital: 47,510.55

$Million Assets: 888,485.49

Photo: Company Website

30. Credit Suisse Group
Country: Switzerland

City: Zurich

$Million Tier 1 Capital: 47,488.55

$Million Assets: 1,007,938.93

Photo: Reuters Pictures

Pakistan's Female War-Ready Fighter Pilot

There's only one Pakistani woman who is recognized as a female war-ready fighter pilot, and that's Ayesha Farooq. 19 women have qualified to be fighter pilots in Pakistan over the last decade, including five others currently in the military, but currently Farooq is the only one qualified for combat.

Pakistan's Female War-Ready Fighter Pilot

Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, poses for photograph as she sits in the cockpit of a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot watches an airforce jet about to take off at Mushaf base in Sargodha, north Pakistan June 7, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, smiles during an interview with Reuters at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   A Chinese-made F-7PG fighter jet of the Pakistan Air Force takes off from Mushaf base in Sargodha, north Pakistan June 7, 2013. Ayesha Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY)

 

     Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, shops at the market of Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture take June 6, 2013. . REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, gives the thumb-up sign from the cockpit of a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY TPX IMAGES OF THE DAY)

 

    Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, smiles during an interview with Reuters at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

  Ayesha Farooq, 26, (R) Pakistan's only female war-ready fighter pilot, talks with avionics engineer Anam Hassan, 24, at Mushaf base in Sargodha, north Pakistan June 7, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, climbs up to a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY TPX IMAGES OF THE DAY)

 

    Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot,sits in the cockpit of a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, poses for photograph as she sits in a cockpit of a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   Ayesha Farooq, 26, (L) Pakistan's only female war-ready fighter pilot, talks with squad leader Imran Khan after their briefing at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, stands during an interview with Reuters at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    A Chinese-made F-7PG fighter jet of the Pakistan Air Force takes off from Mushaf base in Sargodha, north Pakistan June 7, 2013. Ayesha Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY)

 

    Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, looks up as she closes the cockpit of a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)
 

 

   Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, performs a pre-flight check on a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, sits in the cockpit of a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    Ayesha Farooq, 26, (C) Pakistan's only female war-ready fighter pilot, walks with Wing Commander of Squadron 20 Nasim Abbas (2nd R) and her colleagues toward a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    Ayesha Farooq, 26, (C) Pakistan's only female war-ready fighter pilot, chats with her colleagues beside a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY TPX IMAGES OF THE DAY)

 

    REFILE - CORRECTING MODEL OF PLANE, AND REMOVING SECOND AND THIRD SENTENCES. THE PICTURE IS NOT RELATED TO THE STORY ON FIGHTER PILOT AYESHA FAROOQ. A JF-17 Thunder fighter jet of the Pakistan Air Force takes off from Mushaf base in Sargodha, north Pakistan June 7, 2013. The plane is co-developed by the Aviation Industry Corp of China and the Pakistan Aeronautical Complex, according to local media. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY)

 

     Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot watches an airforce jet about to take off at Mushaf base in Sargodha, north Pakistan June 7, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

 

    Ayesha Farooq, 26, (2nd R) Pakistan's only female war-ready fighter pilot, attends a briefing with colleagues at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)

     Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot watches an airforce jet about to take off at Mushaf base in Sargodha, north Pakistan June 7, 2013. Picture taken June 7, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 7, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY)