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Bank Profitability: Decoding the Income Statement

Tom Spencer

Bank’s Income Statement It’s important to note that banks have diverse product offerings and client types, and the reporting of business lines such as retail banking, wholesale banking, and wealth management can vary between different banks. For the sake of simplicity, we will present the information in a consolidated manner.

Banking 88
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Two-Week Price Inflation in Argentina hits 30%, US Products Lead the Way; Currency Devaluations Hit P&G Earnings

MishTalk

Forbes explains Venezuela, Argentina Currency Devaluations Hit P&G Expected Sales And Earnings. Retail investors aren’t the only ones suffering from the woes of the emerging markets: Procter & Gamble PG +2.06% is feeling the pain of foreign currencies, too. Two-liter bottles of water rose from $8.25 bolivares per one U.S.

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Monetarists Accuse ECB of "Dangerous Game of Chicken"; The REAL Dangerous Game

MishTalk

The balance sheet of the European Central Bank has fallen by €553bn over the past year as banks repay money that they no longer want, either because ECB funds are too costly in a near-deflationary world or because lenders are being compelled by regulators to shrink their books. The US and China are withdrawing stimulus on purpose.

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How the Great Recession Changed Banking

Harvard Business

That strengthened investment banks’ balance sheets by forcing them to scale back and to change the nature of the risks they take. As a result, their balance sheets are half as large on a risk-adjusted basis, and the capital they hold against trading positions has doubled over the past decade, our research shows.

Banking 28
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5 Ways to Increase Your Cross-Selling

Harvard Business

A similar story can be told in retail banking, insurance, credit cards, retail, and other industries. Managers wanting to grow share of wallet and raise the productivity of their cross-selling efforts may have to confront longstanding practices that stand in the way. Take a balance-sheet view.

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Banks – Industry Overview

Tom Spencer

In secondary markets, the sales & trading function operates as a market maker. Wealth Management – wealth management is heavily favored today in bank strategy due to low capital requirements – the business model was covered in the series on Asset Management. Commercial vs Retail Banking. Bank Income Statements.

Banking 12
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How Business Intelligence Aids Business Decision Making

Tom Spencer

Consider a company operating in the retail industry, which has a large assortment of different products in its inventory and a dozen stores. Now suppose that management wants to compile a list of most sold products for each store. How BI Aided a Large Kosovan Retailer. Final Thoughts.