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It’s Not “Time Management.” It’s Lean.

Markovitz Consulting

In the space of two weeks, the New York Times and the Wall Street Journal both ran articles on the productivity benefits of reduced work hours. But the reduction in office hours can be the stimulus for creative thinking about how to increase productivity and efficiency.

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Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

In the previous article , we looked at how banks make money and how they must meet capital requirements. In this article, we will explore the importance of profitability ratios and valuation metrics that are crucial when analyzing banks. We will examine each in turn. We will examine each in turn.

Metrics 88
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A New Way to Think About Office Lighting

Harvard Business

Importantly, this advancement in controls technology allows the lighting system to be controlled, owned, and operated by a third party, shifting the investment off the building’s balance sheet. How It Works. Similar to other as-a-service models, LaaS allows a customer to “rent” its ceilings to a service provider.

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Oil’s Boom-and-Bust Cycle May Be Over. Here’s Why

Harvard Business

The constantly fluctuating number of barrels of crude available from nimble shale operations is a primary driver, but so are the long-term impact of increased fuel efficiency and the fits and starts of the global transition away from fossil fuels on world demand. These increasingly efficient survivors now represent half of U.S.

Cash Flow 130
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Why Apple Is Getting into the Energy Business

Harvard Business

Some of the energy saved and resold will come from traditional energy efficiency (EE) investments, which companies have been making for many years. However, the explosion of smart digital- and internet-connected devices has created a new form of energy efficiency that adds immediate control over equipment as a new EE strategy.

Energy 70
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Blockchain Could Make the Insurance Industry Much More Transparent

Harvard Business

Thus a trust and efficiency engine like blockchain technology has the potential to drive radical change in the insurance industry while improving transparency and outcomes across the entire value chain.

Insurance 133
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Bank Profitability: Decoding the Income Statement

Tom Spencer

Tracking operating efficiency is important but you should focus on trends over time rather than comparing absolute numbers among banks because operating efficiency is heavily influenced by business mix and does not take into account capital requirements or risk. Image 3: Illustrative example of a bank’s operating expenses 4.

Banking 88