Tom Spencer

OCTOBER 13, 2023

In the previous article , we looked at how banks make money and how they must meet capital requirements. In this article, we will explore the importance of profitability ratios and valuation metrics that are crucial when analyzing banks. It provides insights into how effectively a bank utilizes shareholder capital to generate profits.

Metrics 88

Metrics Banking Balance Sheet Efficiency 88

Asamby Consulting

JANUARY 13, 2022

Why you need a COO or Operations Manager. Either their operations have grown quite a bit or they are in the midst of growing. Many founders and CEOs ask us this question: Do I need an operations manager? But there are a few questions: Why is it necessary to hire an operations person?

Operations 52

Operations Management Methodologies System 52

Tom Spencer

FEBRUARY 11, 2022

Learning how consulting firms operate can help you better understand what you would do as an analyst. Although each consulting firm has slightly different structure, they generally have similar roles including partners, managers, associates, and analysts. How do Consulting Firms Work?

Operations 88

Operations Consulting Boston Consulting Group Industry 88

Management Consulted

DECEMBER 16, 2008

The cons of investment banking – the long hours, the repetitive and unengaging nature of the work, the lack of non-finance exit opportunities – mattered far more to me than a 6-figure salary. Banking salaries average 50-100% higher than consulting salaries , with the difference increasingly significant as your seniority increases.

Banking 272

Banking Boston Consulting Group Consulting Management 272

Tom Spencer

MAY 18, 2019

Asset managers are institutions that ‘manage money’ on behalf of certain beneficiaries. Well, asset managers aim to understand client investment objectives and invest client funds in a variety of financial products and asset classes. Major traditional asset managers include: Blackrock. Affiliated Managers.

Industry 113

Industry Real Estate Management Retail 113

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. In this article, I will break down a few functionalities of Human Resource teams, and a couple of ways to get started in Human Resource Management.

Resources 78

Resources Management How To Balance Sheet 78

Tom Spencer

MAY 8, 2016

This post provides you with a high level comparison of management consulting and investment banking. Management consultants assist organisations by providing advice to address specific problems and to improve organisational performance. Nature of the job. They do this by selling stocks and bonds to public investors.

Banking 60

Banking Consulting Comparison Finance 60

MishTalk

NOVEMBER 16, 2014

It also says Ukraine''s central bank is to close down all banking services - including card operations - in some areas within a month. I picked this up from ZeroHedge Ukrainians Line Up to Withdraw Money from a Bank in Donetsk. Human Rights Violations Here''s some additional details on Poroshenko''s Bank Servicing Decree.

Banking 73

Banking Operations Policies Government 73

Strategic Planning and Management Insights

MARCH 29, 2023

There are so many things to consider: The field your company operates in, and how quickly it changes, affects the complexity, length, and scope of your strategic plan. As a business leader, you know that creating and implementing an effective strategic plan can be overwhelming.

Banking 98

Banking Strategy Strategy Strategy& 98

Tom Spencer

NOVEMBER 10, 2023

However, many people still struggle to grasp what exactly hedge funds are and how they operate. Their Purpose A hedge fund is privately managed investment fund that employs various investment strategies with the aim of generating superior returns, striving to deliver positive returns even in adverse market conditions.

Strategy 88

Strategy Strategy Strategy& Financial 88

Tom Spencer

MARCH 24, 2023

On March 10th, Silicon Valley Bank went bankrupt. Federal regulators had to take over operations to avoid economic disaster. Due to the Federal Reserve’s determination to curb inflation it has consistently hiked interest rates for the last 12 months, an outcome that SVB and many other banks failed to anticipate.

Banking 97

Banking Industry Real Estate Financial 97

Tom Spencer

JUNE 1, 2019

Management consulting is a professional service offered to organisations which aims to help internal management improve operating performance. The management consulting value chain encompasses strategy (idea origination, analysis and presentation of findings), implementation, operations and maintenance/feedback.

Management 60

Management Consulting Oliver Wyman Deloitte 60

BCG

DECEMBER 12, 2016

Corporate banking is a tough business. In fact, BCG’s most recent Corporate Banking Performance Benchmarking survey—of 300 corporate banking divisions around the world serving the small, midmarket, and large business segments—found a dramatic split between the best and the rest. Report Monday, December 12, 2016.

Banking 40

Banking Benchmarking Operations Survey 40

MishTalk

FEBRUARY 21, 2014

I seriously do not understand this "Bad Bank" concept. If for some reason you disagree, please note that Spain now needs a "Bad Bank" for "Bad Banks". Via translation from El Economista, please consider Another bad bank? Hopefully investors in "bad banks" in Spain have learned their lesson.

Banking 62

Banking Government Operations Finance 62

Comatch

OCTOBER 12, 2022

Earlier this year I attended the PEI Operating Partner Forum for the 4th time. The importance of the power of the ecosystem in terms of access to external advisors like lawyers, banks, consultancies, and freelancers was widely acknowledged to be a crucial part of developing a world-class value-creation team.

Management 52

Management Talent Operations Consulting 52

Tom Spencer

APRIL 28, 2023

Central Bank Digital Currencies (CBDCs) are a new form of digital currency that will be issued and backed by central banks. While CBDCs and bank deposits can both be transferred digitally, there are at least five key differences between CBDCs and bank deposits that are worth being aware of.

Banking 88

Banking Financial System Policies 88

BCG

OCTOBER 11, 2016

Bank operating models continue to evolve in response to new regulations, digitization, a volatile economic and risk environment, external threats, and advances by nontraditional competitors. In response, many banks have increased their spending on OR management by more than 50% in the past five years.

Operations 40

Operations Benchmarking Banking Exercises 40

Harvard Business

AUGUST 23, 2023

How one 200-year-old regional bank in the U.S. used intrapreneurship to compete with online lenders.

Banking 57

Banking Strategy Strategy Strategy& 57

Tom Spencer

FEBRUARY 28, 2021

Many management consultants hardly complete two or three years in their jobs before they realize that there’s more to life than consulting. BizOps / Strategy & Operations at tech firms. Helping the organization to identify and manage strategic uncertainty. BizOps / Strategy & Operations at Tech firms.

Interviews 68

Interviews Case Interview Strategy Strategy 68

Tom Spencer

SEPTEMBER 15, 2023

For instance, a bank might launch a property search platform where it advertises its mortgages, such as the property search site hosted by the Commonwealth Bank of Australia. If you are an iPhone user, can you imagine moving to a mobile phone than runs on an Android operating system? Not likely.

Telecommunications 88

Telecommunications B2B Travel Banking 88

Tom Spencer

JUNE 9, 2023

In the digital age, businesses are constantly seeking innovative ways to gain a competitive edge and streamline their operations. From enhancing customer experiences to optimizing decision-making processes, AI is reshaping the way businesses operate and opening up new possibilities for growth.

Data 147

Data Operations Efficiency System 147

MishTalk

SEPTEMBER 8, 2014

Banks are in the business of making loans. Exploring Lending Club Bloomberg columnist Mat Levine explores the issue in Lending Club Can Be a Better Bank Than the Banks. There are a lot of ways in which [Lending Club] is not a bank, but the big one is that basically all (95.6 Is that the right model?

Banking 63

Banking Balance Sheet Financial Operations 63

Johanna Rothman

MARCH 14, 2024

Your previous managers and potential managers don’t see the value of someone in your position. That’s because these managers think agile coaching and Scrum Mastering is a staff job, not a line job. Cutting overhead is definitely not personal—it’s all about how managers perceive an employee’s value.

Agile 100

Agile How To Metrics Productivity 100

Tom Spencer

JUNE 7, 2024

Priorities might include developing new products, expanding into new markets, enhancing the customer experience, increasing operational efficiency, or embracing sustainability. Economies of scale – For example, McDonald’s enjoys large cost advantages due to its scale of operation.

Strategy 88

Strategy Strategy Strategy& Intellectual Property 88

Tom Spencer

SEPTEMBER 6, 2024

Between 2011 and 2017, Boston Consulting Group ( BCG ), which is one of the world’s leading management consulting firms, engaged in high level bribery in Angola. BCG has admitted to paying millions in bribes to secure contracts with the Angolan Ministry of Economy and the National Bank of Angola.

Ethics 97

Ethics Boston Consulting Group Government Financial 97

Business Consulting Agency

OCTOBER 18, 2024

Whether you’re looking to purchase equipment, hire employees, or expand operations, the right funding can make a substantial difference. It provides resources to invest in new products, build marketing campaigns, and manage cash flow. However, navigating the landscape of funding options can be overwhelming. SBA Loans The U.S.

Small Business 52

Small Business Cash Flow Finance Financial 52

Management Consulted

SEPTEMBER 26, 2012

Today we launch a killer combo that every consulting wanna be needs in their repertoire – our online Consulting Case Bank and The Consulting Bible 3rd edition – combining forces to rule over the consulting interview jungle! Starting today you can get BOTH for the price of the Consulting Case Bank.

Banking 113

Banking Case Interview Consulting Interviews 113

MishTalk

JULY 17, 2015

The Bank of Canada admitted on Wednesday that Canada was in Recession. Bank of Canada Governor Stephen Poloz is afraid to speak the "R-Word". What made the Canadian recession easy to spot was the Canadian yield curve inverted out to three years following a surprise rate cut by the Bank of Canada on January 21. Well sort of.

Banking 28

Banking Operations Real Estate Report 28

Business Consulting Agency

JULY 26, 2024

Organization and Management : Outline your business’s organizational structure, including key roles and responsibilities. Include information about your management team and advisors. Loans : Consider applying for a business loan from banks or credit unions. Highlight opportunities and potential challenges.

Balance Sheet 52

Balance Sheet Cash Flow Financial Operations 52

MishTalk

DECEMBER 17, 2013

On December 12 the Financial Times reported EU reaches landmark deal on failed banks with a "common rule book for handling failed banks". The next day, a friend commented the banking union agreement proved me wrong. I replied "wait for the details". Some senior officials are warning the proposals are too cumbersome.

Banking 61

Banking Finance Balance Sheet Financial 61

Tom Spencer

FEBRUARY 4, 2022

A prime example for this phenomenon are Central Bank Digital Currencies ( CBDCs ). Effectively, CBDCs are a digital form of cash , which operate with the backing of the full faith and credit of government. What is the point of Central Bank Digital Currencies then? Currently, approximately 1.7

Banking 88

Banking Government Policies System 88

Harvard Business

OCTOBER 10, 2018

The consumer banking industry is notoriously difficult to enter, not least because most customers rarely switch banks. In some countries, people change spouses more often than they change banks. It has now become the largest bank in the country. These areas were underserved by the traditional banks.

Banking 28

Banking Industry Insurance Insurance 28

Management Consulted

APRIL 2, 2017

McKinsey is still well-networked in the region, and doing substantial work in sectors including: banking, industrials, telecoms, energy, real estate, construction, health care, and diversified conglomerates. If you have an MBA and are interested in actuarial work, EY’s Middle East operation is a great place to get your foot in the door.

Oliver Wyman 160

Oliver Wyman Consulting Deloitte Real Estate 160

MishTalk

APRIL 25, 2014

Stephen notes that for the first time, Chinese demand topped 1,000 tonnes, reaching 1,176 tonnes after a 41% year-on-year gain, not including central-bank buying and that " investors have done well in the past with a simple strategy of buying what China was buying. Shadow Banking Demand Story a Big "So What?"

Banking 52

Banking Interviews Government Operations 52

Business Consulting Agency

AUGUST 22, 2023

operations, such as a subsidiary, branch office, or partnership. operations, factoring in logistical considerations, proximity to customers, and business-friendly environments. Financial Planning : Establish financial operations, including banking relationships, payment processing, and currency exchange. operations.

Marketing 52

Marketing Operations Financial Culture 52

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 28

Banking Balance Sheet Financial Finance 28

Business Consulting Agency

AUGUST 5, 2023

operations. Financial Planning : Establish financial operations, including banking relationships, payment processing, and currency management. Develop a financial plan that addresses currency risk and cost management. Hiring and Talent Acquisition : Hire a skilled and culturally aware workforce to manage U.S.

Marketing 52

Marketing Analysis Operations Financial 52