Harvard Business

MARCH 8, 2017

More and more companies are embracing the idea that they might have a purpose that goes beyond their balance sheet, one that makes the world a better place in some way. For example, one research team put some volunteers under pressure by asking them to deliver a hastily prepared speech to a panel of judges.

Balance Sheet 135

Balance Sheet Survey Meeting Study 135

Harvard Business

JUNE 27, 2017

For example, your company probably doesn’t own its copy machines. 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. number of copies each month). How It Works.

Balance Sheet 124

Balance Sheet Energy System Operations 124

Harvard Business

JULY 12, 2017

It breeds indifference, which in turn breeds a yawning gap between underwriters, whose balance sheets absorb risk (the risk takers), and customers, whose enterprises create risks (the risk makers). Flood insurance is another example. For example, in the U.S. there is approximately $7.4

Insurance 134

Insurance Insurance Industry Policies 134

MishTalk

OCTOBER 8, 2015

Current Liabilities Cash Much Smaller Than You Think I don't often dive into balance sheets, but did so after reading a Market-Watch opinion by Brett Arends. For example CNN Money points out Apple has $203 billion in cash. For example, he notes $31.5 billion in “off-balance-sheet” liabilities.

Balance Sheet 28

Balance Sheet Report Exercises Analysis 28

Markovitz Consulting

MAY 19, 2021

For example , in Greenville, South Carolina, GE, Michelin, BMW, Duke Energy, and many other companies have helped create the A.J. It’s a lot more than a healthy balance sheet, although that’s certainly a necessary—but not sufficient—precondition. Whittenberg Elementary School of Engineering. What makes for a healthy company?

Company 124

Company Balance Sheet Metrics Engineering 124

Rick Conlow

SEPTEMBER 24, 2019

For example, the US Congress is rated lower in trust than car salespeople. Products, the balance sheet and customers are the priority. For example, companies or managers provide many opportunities for training, and recognition. Leadership distrust is rampant today according to research.

Leadership 74

Leadership Balance Sheet Ethics Training 74

Tom Spencer

APRIL 17, 2014

This is not necessarily a problem if the decline was expected because a business is sustained from cashflow, not profit, and long term growth can be pursued through capital appreciation, which shows up on the balance sheet and not on the profit and loss statement. Falling Prices. Responding to falling prices.

Sales 104

Sales Balance Sheet Examples Productivity 104

Harvard Business

SEPTEMBER 16, 2016

For example, at the end of its 2015 fiscal year, Apple’s balance sheet stated tangible assets of $290 billion as a contribution to its annual revenues, with approximately $141 billion worth of intangible assets — a combination of intellectual capital, brand equity, and (investor and consumer) goodwill.

Data 70

Data Balance Sheet Enterprise Insurance 70

Harvard Business

JUNE 11, 2018

But the M&A landscape is also littered with examples of failures, such as Microsoft’s attempt to buy its way into the mobile market by acquiring Nokia. One of the most notorious examples of a post-M&A culture misfit is the 2005 merger of Kansas-based Sprint and Nextel.

Intellectual Property 101

Intellectual Property How To Balance Sheet Emotional Intelligence 101

Harvard Business

OCTOBER 11, 2018

Paradoxically, “data” appear everywhere but on the balance sheet and income statement. Consider this example: Many companies see enormous potential in data-driven decision making. Except for very few, this hasn’t happened. Indeed, the cold reality is that for most, progress is agonizingly slow.

Data 130

Data Strategy& Strategy Strategy 130

Harvard Business

NOVEMBER 22, 2016

For example, Bain & Company’s recent analysis of the U.S. Take a balance-sheet view. Effective cross-selling organizations, such as American Express, complement the P&L perspective with a longer-term, balance-sheet view of the business and a multiyear view of customer value.

Balance Sheet 70

Balance Sheet Insurance Insurance Data 70

Tom Spencer

OCTOBER 6, 2023

A bank’s income statement can be simplified into five main line items: Net interest income Non-interest income Operating expenses Provision for credit losses (PCL) Tax Image 1: Illustrative example of a bank’s income statement Source: CIBC’s 2022 Annual Report 1. Image 2: Illustrative example of a bank’s non-interest income 3.

Banking 88

Banking Balance Sheet Operations Financial 88

Harvard Business

MARCH 1, 2018

Most major producers with large balance sheets will likely hedge their bets and attempt both. Last year, for example, India, which imports about 80% of its crude requirements, began importing oil from the US for the first time in its history.

Cash Flow 132

Cash Flow Transportation Energy Balance Sheet 132

Tom Spencer

JULY 29, 2022

Human resource teams are critical to the growth of a company since employees typically represent both the biggest operating expense and largest off-balance sheet asset for most businesses. For example, in many technology companies software engineers are organized in a leveling structure. Compensation.

Resources 78

Resources Management How To Balance Sheet 78

Harvard Business

NOVEMBER 25, 2016

For example, a very small portion of the charge in an electric vehicle’s battery could be sold back to the power company when it needs an extra bit of power at the spot where the vehicle happens to be connected for charging. GW of renewable energy since the beginning of 2015, enough to power about half the state of Connecticut.

Energy 70

Energy Balance Sheet Efficiency Software 70

Harvard Business

MAY 1, 2017

Bain & Company’s Macro Trends Group carefully analyzed the global balance sheet and found that the world is awash in money. Global capital balances more than doubled between 1990 and 2010 — from $220 trillion (about 6.5 Yet the same crisis ushered in a new age of capital superabundance. times global GDP).

Cash Flow 135

Cash Flow Financial Balance Sheet Bain 135

Harvard Business

MAY 28, 2018

While companies are required to share the same materials with all investors, they can emphasize the elements that will be most relevant to particular investor segments—highlighting stable cash flow for pension funds or payouts for growth-oriented investors, for example.

Company 108

Company Balance Sheet Cash Flow Interviews 108

Harvard Business

OCTOBER 20, 2016

As a practical matter, for example, these changes in the global policy regime are forcing multinational corporations to scale back and sell parts of their international operations. This year, for example, the U.S. According to the World Trade Organization, international trade this year will grow at its slowest pace since 2007.

Balance Sheet 70

Balance Sheet Policies Banking Operations 70

MishTalk

JULY 11, 2014

Historical evidence shows that this rarely happens following a balance sheet recession. Such episodes often coincide with banking crises, which in turn tend to go hand in hand with much deeper recessions – balance sheet recessions – than those that characterise the average business cycle.

Balance Sheet 70

Balance Sheet Financial Banking Policies 70

Tom Spencer

JULY 7, 2023

We repeated our request a week later, but they only provided a balance sheet from the previous year. For example, instead of asking for the average payroll for each department over time, ask for a representative current salary of an employee in each department: sales, operations, finance. There are three ways to do this.

Data 78

Data Consulting Balance Sheet Analysis 78

MishTalk

DECEMBER 18, 2013

Mezzanine debt is another example of subordinated debt. Details show the alleged rainy-day fund is a pathetic €12.5bn of joint funds not available until 2020, even though 128 banks covered in the agreement have an aggregate balance sheet somewhere between €26 trillion and €27 trillion. Consider asset-backed securities.

Banking 63

Banking Balance Sheet Finance Government 63

Harvard Business

SEPTEMBER 25, 2014

Consider the example of a manufacturer of production equipment that collects sensor-based telemetry about its machines’ operations, the status of their parts, their performance, their resource consumption, and other data. In this example, information that was critical to the customer came from outside its walls.

Company 71

Company Balance Sheet Enterprise Financial 71

Harvard Business

APRIL 26, 2017

Accordingly, we examined intangible resources (captured through Tobin’s q, a measure of the value of the firm not captured by its balance sheets), financial resources, and physical resources. We speculated that examining firms’ remaining resources could shed light on this question.

Company 72

Company Balance Sheet Resources Financial 72

Tom Spencer

JULY 25, 2021

For example, Amazon earned only modest profits from 2004 to 2015, choosing instead to focus on increasing market share and developing new products. For example, DeBeers has hoarded diamonds for more than 100 years. This may not be the same as maximising profits. Willingness to pay. What actual loss results from this decision?

Productivity 97

Productivity Balance Sheet Marketing Government 97

Harvard Business

APRIL 14, 2016

These so-called “stranded assets,” sitting on petro-company balance sheets, are essentially worthless. Norway’s $900 billion fund divested from coal last year, for example. Holding global warming to 2-degrees Celsius will require keeping huge quantities of fossil fuels in the ground.

Data 70

Data Balance Sheet Real Estate Study 70

Harvard Business

AUGUST 12, 2016

Most of these companies are private and don’t publish their balance sheets. For example, Andreas and Daniel Sennheiser, the co-CEOs of audio equipment manufacturer Sennheiser, told me: It’s important to us to retain a high equity ratio and not to bounce from one financial quarter to the next.

Industry 70

Industry Balance Sheet Enterprise Recruitment 70

Harvard Business

MARCH 30, 2017

For example, Costco has long been recognized as a “high road” employer that pays above market wages , offers good benefits, and provides workers opportunities for advancement. Of course, this is just one example, and there are a number of reasons why these firms’ performance varied during this period.

Marketing 70

Marketing Balance Sheet System Training 70

Harvard Business

JULY 15, 2016

That criticism perhaps held in early iterations of Kodak’s digital cameras (the $20,000 DCS-100, for example), but Kodak ultimately embraced simplicity, carving out a strong market position with technologies that made it easy to move pictures from cameras to computers. Approach new growth with appropriate humility.

Film 70

Film Balance Sheet Chemicals Engineering 70

Harvard Business

MAY 9, 2018

Walter Thompson Company for $566 million in 1987 and Ogilvy for $864 million in 1989 — big acquisitions that stretched the company’s balance sheet. Corning is an example of a company that, during the period we studied, pulled all of the five levers and leaped from the bottom to the top quintile of the power curve.

Research 72

Research Balance Sheet Industry Sales 72

Tom Spencer

NOVEMBER 27, 2021

For example, imagine a consumer wants to buy a BMW but responds to run-away inflation by buying a Honda Accord instead. For example, a Nokia 3210 (popular circa 2000) and an iPhone 13 are both cell phones. In order to take this into account, government agencies (e.g., Quality adjustment understates inflation.

Government 88

Government Balance Sheet Apparel Education 88

Harvard Business

JANUARY 16, 2017

For example, I have worked closely with a professional services organization where a domineering, controlling CEO led the organization spectacularly for 20 years. To restore its balance sheet, it had to sell half the business. This is rarely deliberate; people generally wander out of their competence zones without noticing.

Company 70

Company Government Balance Sheet System 70

MishTalk

DECEMBER 26, 2013

They are happy for the financial sector to experiment with new products on- and off-balance sheet, allowing the system gently to displace state allocation of capital through decreed interest rates, loan quotas, loan-to-deposit ratios and specific credit restrictions.

Balance Sheet 56

Balance Sheet Marketing Banking Financial 56

Harvard Business

OCTOBER 16, 2018

Third, they’re focused on optimizing what I’ll call the human capital balance sheet, making sure their workforce dollars are creating the right kind of impact in the way that their workforce is showing up day in and day out in the workplace. And let me just give you an example of how we do that.

Deloitte 129

Deloitte Consulting Data Talent 129

MishTalk

DECEMBER 9, 2013

Click on the link for prisoner''s dilemma examples. Prisoner''s Dilemma Game This line of questioning creates a sort of Prisoner''s Dilemma Game in which two individuals (in this case countries) might not cooperate, even if it appears that it is in their best interests to do so. One way or another Germany is going to pay.

Balance Sheet 75

Balance Sheet Financial Government Finance 75

Tom Spencer

MAY 9, 2020

For example, imagine Coca-Cola (an American company) sells cans of Coke in Australia. For example, if the US government spends more than it collects in taxes, it can finance the budget deficit by selling bonds. If the US dollar weakens and the exchange rate becomes A$1:US$2, then Coca-Cola would be able to bring home twice as much.

System 88

System Banking Government Insurance 88

Johanna Rothman

AUGUST 14, 2019

If you persist in using “resource” instead of humans, you allow the language of the balance sheet to drive your management decisions. For example, it's fine to ask, “Is there another way to find the information you need in less time? That's wrong. It's always been wrong. People are not resources.

Agile 69

Agile Management Efficiency Culture 69

Harvard Business

JULY 14, 2017

As an example, hotel chains like Marriott or Hilton create value chains that deliver rooms and related services to their customers. For most companies intellectual property is something that sits on their balance sheet. In contrast, Airbnb creates a network that connects hosts and guests.

Intellectual Property 72

Intellectual Property Strategy Strategy& Strategy 72