article thumbnail

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

Markovitz Consulting

Unfortunately, companies in the lean community don’t seem to take much note of, or try to copy these experiments, probably because the benefits aren’t reflected on the income statement or balance sheet. But the reduction in office hours can be the stimulus for creative thinking about how to increase productivity and efficiency.

article thumbnail

Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

Profitability ratios Net interest margin (NIM) Efficiency ratio Return on assets (ROA) Fee income to total income Return on equity (ROE) Dividend payout ratio Total shareholder return (TSR) 1.1 All else being equal, a higher ROA is better as it indicates stronger profitability and more efficient asset utilization.

Metrics 88
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Consultant Ninja: A Simple Question about the Credit Markets.

Consultant Ninja

Heres my understanding of the current TARP/TARPII/PPIP/etc plans: The major "sick" banks wont lend to businesses, because their balance sheets are tied up with bad assets that they cant sell. A Simple Question about the Credit Markets. The government will buy those assets, freeing up the major banks to loan again to businesses.

article thumbnail

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.

article thumbnail

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 129
article thumbnail

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
article thumbnail

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 132