MishTalk

OCTOBER 26, 2013

Inquiring minds are monitoring the Fed''s Balance Sheet. One more week like this and the FED balance sheet will be $1 trillion more than last year at this time. It’s designed to help policy makers -- buying $85 billion of bonds a month -- siphon off excess cash in the banking system when they begin to tighten policy.

Banking 74

Banking Tools Balance Sheet Policies 74

Harvard Business

NOVEMBER 8, 2016

But as more organizations fall prey to complex intangible risks, from unwanted disclosure due to rampant cyber threats to breaches of conduct driven by skewed incentive systems, the aperture of risk management is expanding from protecting the balance sheet to promoting ethical leadership and values-based decision making.

Ethics 130

Ethics Management Balance Sheet Agile 130

MishTalk

SEPTEMBER 30, 2014

On September 4, ECB President pulled out a financial bazooka including a pledge to build up the ECB''s balance sheet by another €1 trillion. In this case, the stench on Greek bank balance sheets will not go away. Instead, stench will also appear on the balance sheet of the ECB.

Balance Sheet 75

Balance Sheet Real Estate Banking Policies 75

MishTalk

FEBRUARY 16, 2014

Venezuela uses a de-facto dual-exchange rate system, but policy changes recently enacted by the Venezuelan government are affecting the way that certain imports — i.e, bolivare-per-USD rate, thus the near-$300 million charge P&G now expects to incur on its third quarter balance sheet. bolivares per one U.S.

Balance Sheet 77

Balance Sheet Productivity Sales Policies 77

Harvard Business

OCTOBER 11, 2018

Paradoxically, “data” appear everywhere but on the balance sheet and income statement. The data is scattered in silos — stuck in departmental systems that don’t talk well with one another, the quality is poor , and the associated costs are high. Except for very few, this hasn’t happened.

Data 128

Data Strategy Strategy Strategy& 128

MishTalk

NOVEMBER 20, 2013

Banks; Global Financial System is Bankrupt. The effects of a system that ''encourages excessive financial leverage''. trillion balance sheet is leveraged nearly 49-to-1. As a group, these three banks have some €4 trillion in assets on their balance sheets, supported by €129.3 By contrast, J.P. counterparts.

Balance Sheet 78

Balance Sheet Banking Financial Finance 78

Harvard Business

JULY 17, 2018

Today’s young professionals grew up in an age of mind-boggling technological change, seeing the growth of the internet, the invention of the smartphone, and the development of machine-learning systems. Automated systems are usually very bad at recognizing context.

Ethics 133

Ethics Balance Sheet System Productivity 133

MishTalk

DECEMBER 26, 2014

Next year will be a very important year for China because possible strains in the banking system and the intensity with which the reformers present their case will give us a better sense both of how much debt capacity the country retains and of how well positioned Xi Jinping and his allies are to implement the needed reforms.

Banking 71

Banking System Benchmarking Finance 71

MishTalk

OCTOBER 26, 2014

I don''t feel a whole lot more reassured about the health of the banking system today than last week." €48 However, the total amount of under-capitalization is a mere €48 billion out of balance sheets that total €22 trillion. 48 Billion Shortfall The Financial Times reports ECB Says Banks Overvalued Assets by €48bn.

Balance Sheet 75

Balance Sheet Banking Exercises Report 75

Harvard Business

OCTOBER 31, 2017

It may feel as though the financial system hasn’t changed much in the decade since the downturn, but it has. Most of the regulation was meant to safeguard the financial system, and the taxpayers who had to bail it out, from another crisis. Many other financial firms including AIG, Fannie Mae, and Freddie Mac needed bail outs.

Banking 71

Banking Balance Sheet Financial Finance 71

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

NOVEMBER 25, 2016

Many commercial and industrial buildings have rooftops, parking structures, and unused land that can host systems that are significantly larger and cheaper than residential systems. The most common and fast-growing source of locally generated (or “distributed”) power is rooftop solar. electric demand.

Energy 70

Energy Balance Sheet Efficiency Software 70

MishTalk

DECEMBER 23, 2013

An exceptional bid by China’s central bank to curb soaring interest rates and relieve pressure on the financial system appeared to have come up short on Monday, as Chinese money market rates shrugged off the measure and continued to approach the crisis levels seen in June.

Balance Sheet 76

Balance Sheet Banking Benchmarking Financial 76

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 73

Balance Sheet Financial Banking Policies 73

Harvard Business

FEBRUARY 7, 2018

Tens of billions of connected sensors are being embedded in everything ranging from industrial robots and safety systems to self-driving cars and refrigerators. In addition, they need the ability to switch to manually controlled environments in case artificially intelligent systems have to be shut down and to recall faulty smart products.

Insurance 71

Insurance Insurance Balance Sheet Government 71

Harvard Business

NOVEMBER 22, 2016

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. To that end, here are five guidelines for expanding share with current customers. Just get started.

Balance Sheet 70

Balance Sheet Insurance Insurance Data 70

MishTalk

NOVEMBER 27, 2013

Draghiz e: "The test is credible because the ultimate purpose of it is to restore or strengthen private sector confidence in the soundness of the banks, in the quality of their balance sheets" Mish : The test is credible because we say it is.

Balance Sheet 64

Balance Sheet Exercises Banking Government 64

Harvard Business

SEPTEMBER 25, 2017

China’s four largest banks have quadrupled the share of foreign assets on their balance sheets since 2007 to $1 trillion—that make gives them larger foreign portfolios than German or Italian banks. The global banking system is changing, and advanced economies will need to adjust.

Banking 71

Banking Balance Sheet McKinsey Finance 71

MishTalk

DECEMBER 18, 2013

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.

Banking 69

Banking Balance Sheet Finance Government 69

MishTalk

FEBRUARY 6, 2014

The eurozone is doing so by accident, letting market forces drain liquidity from the financial system for month after month. The ECB balance sheet has plummeted to 23pc of eurozone GDP from a peak of 32pc in July 2012. The US and China are withdrawing stimulus on purpose. This is "passive tightening" or "endogenous tapering".

Balance Sheet 71

Balance Sheet Banking Retail Policies 71

Harvard Business

MAY 28, 2018

For its part, Nikon focused on cost optimization opportunities and balance sheet management when communicating to value-oriented investors and on long-term structural changes when communicating to growth-oriented investors. It would implement targets linked to shareholder value, including ROE and ROIC.

Company 104

Company Balance Sheet Cash Flow Interviews 104

Martinka Consulting

MARCH 11, 2016

.” She deciphered this by looking at the third quarter P&L and an October 23 balance sheet. ” Sure enough, the company’s job system and accounting system only sync at the end of the month so the drop in net income, as per the mid-month balance sheet, was fiction.

Balance Sheet 40

Balance Sheet System Trends Company 40

Harvard Business

SEPTEMBER 7, 2017

.” GreenBiz founder Joel Makower defines a stranded asset as “a financial term that describes something that has become obsolete or nonperforming well ahead of its useful life, and must be recorded on a company’s balance sheet as a loss of profit.” So-called “sunny day flooding”, (i.e

Balance Sheet 71

Balance Sheet Real Estate Financial Culture 71

MishTalk

DECEMBER 26, 2013

The liberalisation is seen as a necessary part of China’s efforts to reduce its reliance on investment and boost consumption as well as to integrate itself more fully in the global financial system with lighter capital controls. Advocates have called for such a system for years, saying it is the cornerstone of further financial reform.

Balance Sheet 63

Balance Sheet Marketing Banking Financial 63

Tom Spencer

AUGUST 25, 2018

In the midst of the panic, individuals attempt to withdraw funds from the banking system and, as rumours circulate that banks may not have enough money to repay deposit holders, a bank run ensues. Post-failure balance sheets show that Lehmann Brothers actually had twenty billion dollars of assets in excess of its debts.

Financial 60

Financial Balance Sheet Banking Policies 60

Harvard Business

JANUARY 16, 2017

That is, someone does the wrong thing while trying to do the right thing, and organizational systems fail to catch it and contain it. To restore its balance sheet, it had to sell half the business. There are two aspects to the problem-finding corporate governance system its board has put in place.

Company 70

Company Government Balance Sheet System 70

Harvard Business

APRIL 14, 2016

Last year, Citi produced a powerful study of the costs and benefits of shifting the energy system toward low-carbon technologies. These so-called “stranded assets,” sitting on petro-company balance sheets, are essentially worthless. And thus those companies are massively overvalued.

Data 70

Data Balance Sheet Real Estate Study 70

MishTalk

JANUARY 28, 2014

"Industrial and Commercial Bank of China, the world''s largest bank by assets, said on Thursday that it has no plans to use its own money to repay investors in a troubled off-balance-sheet investment product that it helped to market." Investors should have taken a hit. Certainly the promised 10% yield was too good to be true.

Banking 71

Banking Balance Sheet Productivity Financial 71

MishTalk

SEPTEMBER 23, 2013

When I began investing, one looked at the real property on balance sheets. Instead of a system where both parties take a risk, one party is off the hook. We are looking into the EpiPen antidote system, because this is now the third stinging event regarding yellow jackets on my property. Mike "Mish" Shedlock.

Banking 62

Banking Balance Sheet Policies Travel 62

MishTalk

DECEMBER 17, 2013

Gunnar Hökmark, the lead negotiator for the parliamentary side, said: “ We now have a strong bail-in system which sends a clear message that bank shareholders and creditors will be the ones to bear the losses on rainy days, not taxpayers. It is a single system under law. Its resolution system will only be up and running from 2016.

Banking 72

Banking Finance Balance Sheet Financial 72

MishTalk

SEPTEMBER 8, 2014

This takes, in round numbers, all of the risk out of Lending Club''s balance sheet. I suggest it''s time to change the model to a 100% reserve system that eliminates duration mismatches, does not allow printing of money into existence, and also stops runs on banks without FDIC. I am not against loans.

Banking 74

Banking Balance Sheet Financial Operations 74

Harvard Business

MARCH 30, 2017

In such a system, employers protect workers from many of the vagaries of market forces; they take a longer-term perspective on firm performance, and favor corporate strategies that necessitate a stable, well-trained, and loyal workforce. In the post–World War II era up to the late 1970s, employment systems in the U.S.

Marketing 70

Marketing Balance Sheet System Training 70

Tom Spencer

NOVEMBER 17, 2018

MBS were being used as collateral for interbank trading, thus essentially underpinning the entirety of the financial system in the US. Banks applied steep haircuts to the market value of these securities making it unviable to use them as collateral, and this led the financial system to freeze up.

Financial 60

Financial Banking Balance Sheet Cash Flow 60

MishTalk

APRIL 7, 2014

Sharon Bowles, the chair of the parliament’s economics and finance committee, said the revisions were essential to accommodate national central banks that “do not have big balance sheets” and need extra guarantees from the state when lending to struggling lenders.

Banking 69

Banking Balance Sheet Finance Government 69

Harvard Business

SEPTEMBER 25, 2014

But while such information exchanges have become technically feasible, they are not yet financially beneficial to the information provider and difficult for the customer to value and incorporate into their management systems. Financial arrangements have to evolve to handle pricing and payments for value based on possible futures.

Company 71

Company Balance Sheet Enterprise Financial 71

Martinka Consulting

MAY 4, 2018

Have solid financial systems and accurate financial statements. One of the first things I do when I see financial statements is check if the year-to-date income on the P&L is the same as the year-to-date income on the balance sheet. You’d be surprised how often it isn’t the same.).

Balance Sheet 53

Balance Sheet Financial Industry System 53

Tom Spencer

NOVEMBER 9, 2019

Translated into plain English, asset sensitive means margins expand when the Federal Funds rate increases, as the interest income from assets on the balance sheet increase faster than liabilities. Banks refer to interest rate risk as “asset sensitive” or “liability sensitive”. Funding and the Loan Mix. Certain deposit accounts (e.g.

Banking 12

Banking Industry Balance Sheet Retail 12