Tom Spencer

AUGUST 2, 2024

Financial Institutions: Banks and other financial institutions must ensure they have the necessary infrastructure to comply with CFPB 1033. Access to consumer financial data allows them to develop personalized and innovative financial products and services. Zuhair Imaduddin is a Senior Product Manager at Wells Fargo.

Data 88

Data Finance Industry Financial 88

Tom Spencer

MAY 8, 2016

This post provides you with a high level comparison of management consulting and investment banking. Investment banks help companies raise money for various purposes including investment, acquisitions, and provision of working capital. People in the “sales and trading” division buy and sell financial products. Nature of the job.

Banking 60

Banking Consulting Comparison Finance 60

MishTalk

DECEMBER 22, 2014

Chinese banks have experienced an outflow of deposits for the quarter for first time since 1999. To compete for funds, Chinese banks offer anything from fresh vegetables for small deposits to a Mercedes A180 for deposits big enough and long enough. The effective yield on the Mercedes is approximately seven percent!

Banking 72

Banking Benchmarking Finance Policies 72

Harvard Business

JUNE 22, 2016

They include new enterprises such as Orbian , Prime Revenue , C2FO , Taulia , and Ariba as well as new operations launched by traditional financial service firms such as Citi Group, HSBC, BNP Paribas, and Deutsche Bank. The use of FinTechs allows suppliers to access funding at the multinationals firm’s lower cost of capital.).

Transportation 130

Transportation Finance Financial Banking 130

Harvard Business

OCTOBER 31, 2017

Just over 10 years ago, French bank BNP Paribas froze U.S. There was a run on British bank Northern Rock. Over the next year, many banks fell. Investment bank Bear Stearns collapsed. We expect investment banks to embark on an even more fundamental makeover during the next decade. The New Face of Investment Banks.

Banking 72

Banking Balance Sheet Financial Finance 72

Management Consulted

FEBRUARY 4, 2009

The advice applies equally to industries like investment banking. There simply isn’t a consulting firms database comparable to what exists in investment banking. Explore alternatives such as grad school, finance, and entrepreneurship. In this post, I’ll highlight the key steps to take when this happens.

Resumes 147

Resumes Consulting Case Interview Interviews 147

Management Consulted

OCTOBER 3, 2012

The prize for best answer was a FREE Consulting Case Bank and The Consulting Bible 3rd edition – a HUGE giveaway – so we weren’t surprised when we heard from so many of you. For instance, we examined predatory pricing in the airline industry and illegal product tying by Apple, Microsoft, and AT&T.

Consulting 204

Consulting Case Interview Interviews Engineering 204

Tom Spencer

NOVEMBER 9, 2019

The Business of Banking. Banks are intermediaries for capital and hold the risk when supply and demand is not perfectly balanced. Commercial Banking. A bank, on the other hand, can diversify this credit risk and reduce the average cost of vetting each loan by lending to many borrowers. Investment Banking.

Banking 12

Banking Industry Balance Sheet Retail 12

Harvard Business

JANUARY 20, 2017

Much has been made of the fact that a new breed of financial technology (or fintech) companies is unbundling banks in the developed world. Startups are attacking all of the components of the traditional bank value proposition (e.g., Sidian Bank in Kenya has a similar program. However, there are signs that this is changing.

Banking 70

Banking Company Financial Finance 70

Harvard Business

MARCH 15, 2018

Nonetheless, statistics show that women-owned businesses, which account for one-third of Swedish businesses, are not granted the corresponding proportion of government venture financing; in fact, women-owned businesses receive only 7%. Approved checking account/bank overdraft facilities: the approved overdraft credit. Risk-taking.

Data 131

Data Real Estate Finance Financial 131

MishTalk

DECEMBER 10, 2013

Industrial production in the currency bloc''s second largest economy fell 0.3% Over the three months through October, industrial production was 0.6% Over the three months through October, industrial production was 0.6% The disappointment comes after separate data showed Monday that German industrial production dropped 1.2%

Finance 74

Finance Industry Data Report 74

Harvard Business

APRIL 4, 2016

For populations living so far off the economic grid that traditional banks have never considered them as a source of new business, the availability of mobile technology is lifting the bane of cash dependency and opening a door to the mainstream of the global economy.

Banking 70

Banking Insurance Insurance Financial 70

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 67

Banking System Benchmarking Finance 67

Harvard Business

JULY 7, 2016

Banks often are unwilling to take the risk of financing small and midsize companies. The cartels, like that of Pablo Escobar, financed the FARC (and the ELN, another left-wing terrorist group) in return for protection. A handful of rail lines carry little more than coal. Ports and airports are antiquated and small.

Tourism 125

Tourism Government Finance Efficiency 125

Tom Spencer

JUNE 9, 2023

These systems can suggest relevant products that customers are likely to enjoy. For example, Alibaba, a leading Chinese e-commerce company, could conduct sentiment analysis of customer reviews of individual products and services, and use these insights to modify existing products and develop new ones.

Data 147

Data Operations Efficiency System 147

Harvard Business

MARCH 22, 2018

My perspective and approach to misconduct risk are influenced by my work as a bank supervisor, and by my background and training as an economist. In my view, bank supervision must include attention to the culture at financial firms, not just to their financial safety and soundness. The economics of corporate culture. Externalities.

Culture 135

Culture Company Financial Banking 135

MishTalk

OCTOBER 27, 2014

Central Banks and the Business Cycle I like it when someone besides a few financial bloggers takes the gloves off and starts asking some hard-hitting questions. Simply put, the central banks for all their huffing and puffing cannot eliminate the business cycle. Only those who believe in voodoo can get a job at a central bank.

Banking 73

Banking Policies Financial Marketing 73

Consultant Ninja

AUGUST 14, 2009

For the period of 2006-2008, I was somewhat entranced by the wizardry (and compensation) of my finance peers. One colleague, a Deutche Bank leveraged finance Associate, expressed interest in joining my consulting firm until he learned that it would entail a 70% pay cut, for example. Productivity. (6). Consulting. (88).

Oliver Wyman 100

Oliver Wyman Consulting Finance Airlines 100

MishTalk

OCTOBER 1, 2014

On Tuesday evening, Argentine President Cristina Fernández accused Juan Carlos Fábrega, head of Argentina’s central bank, of " provoking a devaluation of the peso ". In response Head of Argentine Central Bank Quits. The government has meddled in wheat production since 2006 by raising export taxes and setting export quotas.

Banking 63

Banking Government Benchmarking Journal 63

Consultant Ninja

MARCH 23, 2009

Friedman Billings Ramsey was hot back in 2005 - boutique investment bank, middle market, a cool FBR acronym. The investment bank still operates as FBR Capital Markets. It is probably better explained by decent execution of a decent strategy during a REALLY GREAT time to be in finance. Productivity. (6). Related Posts.

Oliver Wyman 100

Oliver Wyman Consulting Airlines McKinsey 100

Tom Spencer

MAY 18, 2019

Well, asset managers aim to understand client investment objectives and invest client funds in a variety of financial products and asset classes. Retail asset managers will offer a variety of products including mutual funds, index funds and specialized pools. What does this mean exactly? Asset Management Business Model.

Industry 113

Industry Real Estate Management Retail 113

Harvard Business

MAY 19, 2016

While hiring less-skilled workers hurts a firm’s productivity, the data shows that companies still did this in order to take advantage of the fact that hiring these workers is so much cheaper. On the other hand, firms are more interested in hiring workers with these STEM skills, as they are very productive and cheap.

Education 132

Education Data Training Training 132

Harvard Business

OCTOBER 25, 2018

We focus on economic profit rather than revenue size, market share, or productivity growth because these other metrics risk including firms that are simply large and may not create economic value. Productivity can help; but it is not enough to achieve superstardom. and Chinese tech firms.

Industry 132

Industry Company Metrics Real Estate 132

Tom Spencer

DECEMBER 9, 2017

The Maintech Summit at the Frankfurt School of Finance and Management (co-sponsored by Excon , a local start up instigator) is the first real academic-based “shark-tank” environment for disruptive start-ups in Frankfurt. Frankfurt is a major European banking centre, and you can pitch in English! Justify Your Product-Market Fit.

How To 121

How To Insurance Insurance Productivity 121

Harvard Business

MAY 31, 2017

Automating finance. This lets organizations reduce the amount of work outsourced to service centers and frees up finance staff to focus on strategic tasks. Automated programs can recognize products, people, logos, and more. AI can expedite “exception handling” in many financial processes. Measuring brand exposure.

Company 135

Company Software Data Sports 135

Harvard Business

SEPTEMBER 1, 2017

Much of the concern has been around the financial industry, where despite complaints of “too big to fail,” the number of large, international banks has actually fallen since the crisis. They offered a specialized retail experience, a niche product, or simply served a market that was otherwise hard to reach.

Retail 113

Retail Trends Small Business Industry 113

Tom Spencer

NOVEMBER 22, 2015

There are many new innovations that allow companies to finance purchases creatively in order to meet their goals over the long term. While the interest rates are usually higher than a regular bank loan, the collateral requirements are almost nothing. Online Banking. Finance Tools. Peer Lending. Online Advice.

Financial 60

Financial Finance Banking Tools 60

Harvard Business

JUNE 15, 2018

According to World Bank figures , half of adults in high-income OECD countries save in a formal account; in developing economies, it’s only one in five. The number of people with phones is far higher than the number of people who have easy access to traditional bank branches, especially among the rural poor.

Banking 72

Banking Finance Financial Development 72

MishTalk

MARCH 30, 2014

Financial stress related to Ponzi financing and other bad debts in China is readily visible in numerous places. One result is China’s Big Banks Double Bad-Loan Write-Offs. That was up 127 per cent from 2012, and the highest since the banks were rescued from insolvency, recapitalised and publicly listed over the past decade.

Policies 69

Policies Real Estate Banking Finance 69

Harvard Business

FEBRUARY 23, 2018

Michael Banks/Getty Images. Female managers are concentrated in fields that emphasize people-centered caring skills, while men are concentrated in fields dealing with production-centered skills. They are also vastly underrepresented as managers of general operations, computer information, industrial production, and transportation.

Data 129

Data Management Real Estate Transportation 129

Tom Spencer

MAY 6, 2022

The product may solve a problem you’ve personally faced, making the work you do even more exciting. Student Organizations focused on Consulting, Finance, or Technology. Your university may have consulting, finance, or technology centered student organizations that produce some type of work-product each semester.

Finance 88

Finance Resumes Government Recruitment 88

Tom Spencer

AUGUST 15, 2013

And the pioneering work of social enterprises in sectors like construction , manufacturing , banking , hospitality and healthcare suggest that innovative and sustainable businesses are able to thrive without being run primarily for profit. Rise of Social Enterprise. The growing trend towards social enterprise could be a game changer.

Enterprise 112

Enterprise Healthcare Ethics Construction 112

MishTalk

MAY 14, 2014

Economic data released on Tuesday also included a deceleration in industrial production, with growth in steel and cement output slowing to a crawl. Financial Vulnerabilities in China In its May Financial Stability Report , the Reserve Bank of New Zealand warns about financial vulnerabilities in China.

Real Estate 76

Real Estate Banking Construction Cash Flow 76

Tom Spencer

NOVEMBER 27, 2011

IN OCTOBER 2011, private banks accepted a 50% writedown on Greek debt. Over the last few decades, countless risky financial products were sold to investors using harmless sounding terms like “credit default swap”, “mortgage backed security”, “special purpose vehicle” and “off-balance sheet financing”. in Economics.

Balance Sheet 89

Balance Sheet Consulting Case Interview Financial 89

Tom Spencer

MARCH 11, 2022

A few experiential learning opportunities to look for on campus include consulting clubs, finance clubs, student government, and technology development teams. On-campus engagements are opportunities for students to engage with their peers in a productive environment. Opportunities on-campus.

Finance 88

Finance Government Industry Consulting 88

MishTalk

JUNE 18, 2014

The Financial Times investigates China’s precarious shadow banking system. As chief accountant for Yuncheng City Investment, a financing vehicle for the local government, Mr Qiao has played a crucial role in the development of this gritty steelmaking city in central China. The first article in the series is Into the Shadows.

Real Estate 59

Real Estate Banking Enterprise Finance 59

Management Consulted

NOVEMBER 22, 2015

If you are an undergrad who has been turned down for a summer internship at MBB, going in to finance is your next best bet. In addition, having a finance internship under your belt shows that you’ve got the necessary quant skills to succeed in consulting. For the Pre-MBA level, finance should be your last option.

Consulting 100

Consulting Recruitment Recruiting Finance 100