Tom Spencer

MAY 25, 2019

Asset managers like to have flexibility via risk management and speculative solutions provided by the trading floors of investment banks. As an illustration, a passive asset manager may have a very large AUM, but the fees that they earn on their product may be 10x lower than that of an equity mutual fund. Image: Pexels.

Cash Flow 60

Cash Flow Management Metrics Benchmarking 60

Tom Spencer

SEPTEMBER 14, 2019

Real world example – banking sector. Well, I expected that the largest amounts would be from February-October, with fewer amounts around November-January because this is holiday season and customers are less inclined to do any banking activities. However, when I compared this with benchmarks (i.e. Here’s a real example.

Data 60

Data How To Banking System 60

MishTalk

MAY 24, 2014

million after accusing a former trader at the bank of improperly influencing gold prices at the expense of a customer. The process of setting the benchmark price for gold in London dates to 1919. It is set twice a day by five banks that serve as market makers, according to the London Bullion Market Association. Surprising?

Benchmarking 60

Benchmarking Banking Financial Marketing 60

MishTalk

AUGUST 4, 2015

July saw factory production in Greece contract sharply amid an unprecedented drop in new orders and difficulties in purchasing raw materials. Question for Rena Why did you have a Greek bank account? On Monday Greek Bank Shares Crash 30% as Market Reopens. Bank Shares Plunge Again Today, Bank Shares Hammered Again.

Banking 28

Banking Small Business Retail Benchmarking 28

MishTalk

DECEMBER 11, 2014

Energy production is extremely capital intense, and often accompanied by negative free cash flow. Since early 2010, energy producers have raised $550 billion of new bonds and loans as the Federal Reserve held borrowing costs near zero, according to Deutsche Bank AG. oil production which requires abundant capital,” Lafakis said.

Energy 75

Energy Marketing Benchmarking Cash Flow 75

Tom Spencer

JULY 11, 2021

You will be continually building your toolkit to bank new skills and industry knowledge to a point where you can independently and reliably deliver value on each project. As you move towards becoming independent ask for feedback to help evaluate your performance, identify areas for improvement, and benchmark yourself against top performers.

Benchmarking 88

Benchmarking Resources Advertising Banking 88

Organizational Talent Consulting

JULY 24, 2023

The proven benefits of innovation include: increased competitive advantage improved operational productivity reduced costs and increased revenue improved commercial value enhanced problem-solving One modern innovation that is impressive to watch is SpaceX's reusable Falcon 9 (watch the video below). million per launch. & Gołembski, G.

Culture 52

Culture Leadership Journal Study 52

MishTalk

AUGUST 28, 2014

percent in May, the last month for which figures are available, while according to economists surveyed by Bloomberg gross domestic product shrank 2.1 The government has reduced disbursements of dollars at the secondary markets in recent weeks,” said Garcia, citing non-public data from the Venezuelan Banking Association.

Marketing 68

Marketing Benchmarking Government Survey 68

MishTalk

DECEMBER 16, 2014

Explaining the Plunge in Oil Slowing global economy, especially China and Europe US production expansion OPEC pumping above quotas – they all cheat Iran embargo failing Increased fuel economy Attitudes of millennials towards cars and driving I give heaviest weight to number one, but they all cascade. No conspiracy theories needed.

Energy 74

Energy Banking Report Productivity 74

Harvard Business

JUNE 7, 2017

For example, online retailers can adjust product prices daily because they have automated the collection of competitors’ prices. With automated pricing engines, insurers and banks can roll out new offers as fast as online competitors. Meanwhile, companies that automate basic data manipulation processes can be proactive.

Company 48

Company Telecommunications Data Retail 48

MishTalk

JULY 15, 2015

She didn't provide more specifics about the timing of the first hike in the Fed's benchmark rate since 2006, reiterating that it will depend on the progress shown by the economy and labor market. Many economists expect the Fed to act as early as September; others say the central bank is likely delay the move until December or even 2016.

Retail 28

Retail Benchmarking Policies Sales 28

Confessions of a Consultant

AUGUST 12, 2018

In the banking sector in Ireland – historically – it was tantamount to treason to work for a competitor. Now staying with the same bank for a lifetime is the exception rather than the rule. A noticeable drop in productivity or a change in work habits e.g. reduced hours. Don’t take talent for granted.

Talent 40

Talent Case Interview Engineering Interviews 40

1 to 1

MARCH 21, 2023

The event, held live after a three-year hiatus, is so named because it focuses on the four pillars of experience management: customer, employee, brand, and product experience. People would rather wait longer on hold to get an empathetic experience,” said Brad Anderson, president of products and engineering at Qualtrics.

Report 26

Report Healthcare Airlines Journal 26

MishTalk

JANUARY 24, 2014

Turkey’s central bank refrained from raising benchmark rates this week, fueling concern that it will be difficult to finance current-account deficits. Turkey holds about $33 billion in foreign reserves, excluding deposits from commercial banks, only enough to cover 1 1/2 months of imports, according to Citigroup Inc.

Marketing 73

Marketing Policies Government Financial 73

Confessions of a Consultant

FEBRUARY 10, 2019

Final Countdown: For this final blog I’ve taken the liberty to select two topics (a) Improving your personal performance (b) developing a highly productive organisation. You benchmark best practices, stealing ideas shamelessly from clients and competitors. In my experience it’s never about sectors or product type.

Engineering 40

Engineering Benchmarking Course Productivity 40

Harvard Business

JANUARY 31, 2018

Having worked in HR at a large banking corporation and in strategic HR consulting, I’ve seen the effects of learning and development on career mobility — and what leads people to let it fall by the wayside. Why New Personal Productivity Efforts Don’t Stick. Set a golden benchmark. You and Your Team Series.

Benchmarking 28

Benchmarking Course Development Study 28

MishTalk

MAY 29, 2014

A majority of Millennials reported buying a product that had a social benefit and 84% of a generation that accounts for more than $1 trillion in U.S. Bank of America Corp., Seventy-one percent told the researchers that they would “rather go to the dentist than listen to what banks are saying.” Bank failures are distant memories.

Survey 78

Survey Banking Study Accenture 78

MishTalk

JANUARY 23, 2015

The European Central Bank’s decision to introduce a programme of Quantitative Easing (QE) is not a win-win situation but rather an expression of helplessness. Necessary basic reforms are crucial in Europe if it is to restore global competitiveness, increase productivity and get the unemployed back to work. Pensions have been hit hard.

Banking 28

Banking Government Policies Benchmarking 28

MishTalk

DECEMBER 21, 2013

The panel''s charter includes "workplace practices, productivity" and "product range". Agreements include extra productivity restrictions, often doubling, tripling or even quadrupling the total employment cost of a workforce. Currency Wars The Reserve Bank of Australia is in on the act as well. Looking for madness?

Enterprise 53

Enterprise Government Industry Automotive 53

MishTalk

JULY 11, 2014

The question stems from lengthy (256 page PDF) from the BIS Annual Report (Bank for International Settlements) that stated among other things " The only source of lasting prosperity is a stronger supply side. Never before have central banks tried to push so hard. It is essential to move away from debt as the main engine of growth. "

Balance Sheet 63

Balance Sheet Financial Banking Policies 63

MishTalk

FEBRUARY 23, 2015

German life companies, which have estimated liabilities of more than €700bn, sell policies that offer annual guaranteed returns to policyholders, who use the products to save for retirement. Similar products are sold across Europe, but the guarantees have been particularly generous in Germany.

Insurance 28

Insurance Insurance Policies Benchmarking 28

Management Consulted

AUGUST 28, 2013

After 2 years, he recruited 2 friends from Chicago and formed the Business Research and Development Company with $500 borrowed from the bank. Product and Service Innovation. Consumer Products. He began by helping firms recruit competent executives, acquire new customers, and establish conducive office space. Program Management.

Interviews 181

Interviews Culture Company Case Interview 181

Harvard Business

JANUARY 4, 2018

The ability to effectively communicate the power of analytics to unleash productivity has contributed to the rapid expansion of the analytics practice at GFNorte, and as a result the ABU has been given control of the database marketing efforts and sales offers in the distribution channels. Recruiting this high-demand skill set was not easy.

Company 28

Company Recruiting Recruitment Financial 28

Harvard Business

SEPTEMBER 30, 2016

In most work settings individual performance is not easily observed, in part because our performance is a joint product that reflects both our own effort and that of many others. Employees reduce their productivity when consistently reminded of what they perceive as unfair rewards. But herein lies the challenge.

Comparison 28

Comparison Groups Talent Course 28

Harvard Business

JUNE 3, 2016

bank, for example, managers had to personally sign the business case for each benefit they were claiming a new CRM system would provide in order to show their commitment to realizing them. In the apparel industry, the benchmark for inventory accuracy is somewhere between 60% and 70%. In a major U.K.

Tools 28

Tools Construction System Retail 28

Harvard Business

MAY 3, 2016

An outside-in perspective means that companies aim to creatively deliver something of value to customers, rather than focus simply on products and sales. From here, firms have to make a creative leap to discover the unique combination of products and services that may address those needs. And what are the benchmarks of success?

Education 30

Education Real Estate Research Company 30

QEmploy

JULY 16, 2019

If you’re in doubt about how much you can earn, look at the benchmarks for your specific title and industry. Product Strategy and Launch. Product Development and Launch. How big will the market for product “X” be? What can you expect to earn? Sending invoices and getting paid on time. Here are the results.

Consulting 64

Consulting Case Interview Interviews Survey 64

MishTalk

NOVEMBER 27, 2014

Nonetheless, and in spite of falling prices and pleas from Venezuela to restrict production, OPEC decided to take no action. The group maintained its collective production ceiling of 30 million barrels a day, Ali Al-Naimi, Saudi Arabia’s oil minister, said yesterday after the 12 nations met in Vienna. Brent crude dropped as much as 8.4

Productivity 74

Productivity Benchmarking Airlines Banking 74

Tom Spencer

MARCH 6, 2012

At this stage, it is unclear whether the investigations will uncover any wrongdoing, and Bremmer notes that no banks or individuals have actually been charged. If banks have engaged in collusive behaviour to manipulate LIBOR, then this is a serious cause for concern. How concerned should we actually be? The LIBOR calculation.

Benchmarking 99

Benchmarking Consulting Banking Financial 99

Tom Spencer

JUNE 1, 2019

Large mutual funds have strong relationships with banks, where they are able to pay a trailer fee to bank investment advisors to market their product. In countries with concentrated banking sectors, the banks will have enough scale and cross-selling opportunities to have their own major asset management divisions.

Management 60

Management Retail Banking Benchmarking 60

Organizational Talent Consulting

MARCH 7, 2022

improved operational productivity. Jefferies International, a financial services company engaged in investment banking and capital markets, estimated the customer benefit of the Space X Falcon 9 reusable rocket. For example, the research demonstrated that increasing problem-solving freedom among employees decreased product innovation.

Culture 52

Culture Boston Consulting Group Leadership Recruiting 52

MishTalk

APRIL 26, 2014

Ukraine forces barricade the rebel stronghold of Slavyansk Russia Issues Downbeat Economic Statement The World Politics Journal notes Russia’s central bank issues a downbeat statement on the Russian economy. On Friday, April 25th, Russia’s central bank raised its benchmark interest rate by 50 basis points to 7.5

Banking 54

Banking Benchmarking Finance Operations 54

MishTalk

MARCH 12, 2015

Debt matters - $30 Trillion – up $9 trillion since 2008 Debt is 200-300% of GDP counting Shadow Banks. If the average interest rate is 7% (banks 6% shadow banks 10%), economy would need to grow 21% in real terms to service debt. Since that cannot happen, banks cannot make loans without injections from PBOC.

Banking 28

Banking Government Video Financial 28

MishTalk

JULY 25, 2015

Unintentional Projections One hike in 2015 : The staff expected policymakers would raise their benchmark interest rate, known as the Fed funds rate, enough for it to average 0.35 Growth : The Fed's staff also took a dimmer view of long-run economic growth, expecting gross domestic product to expand 1.73 percent from a year earlier.

Banking 28

Banking Financial Benchmarking Groups 28

MishTalk

JANUARY 3, 2014

Trillion Yuan in Audit The Washington Post notes "Local debt now equals about 33 percent of China’s gross domestic product, up from about 10 percent in 2008 and almost nothing in 1997." There is no banking union in spite of ridiculous articles suggesting otherwise. The bank said a typical Canadian bungalow requires 43.3%

Conference 65

Conference Banking Government Balance Sheet 65