Tom Spencer

JUNE 7, 2024

The root problem is the disconnect between strategy and innovation. Unique advantages could include: Physical assets – For example, Walmart’s chain of physical stores provide it with an established distribution network and logistics system that allow for efficient inventory management and fast delivery.

Strategy 88

Strategy Strategy Strategy& Intellectual Property 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

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. As a former consultant who decided to move from consulting to industry, I would like to share my personal journey on how I landed my opportunity in corporate strategy/M&A. Corporate Strategy.

Interviews 68

Interviews Case Interview Strategy Strategy 68

Tom Spencer

JUNE 2, 2023

LinkedIn is an often overlooked part of the management consulting application. LinkedIn is actually a key part of the management consulting application. For example, my LinkedIn profile highlights my two primary experiences: strategy consulting and international development.

Resumes 103

Resumes Consulting Management Cover Letters 103

Tom Spencer

MARCH 4, 2022

While almost everyone has heard about the prestigious careers in management consulting, there is a career that is quite similar and just as lucrative in economic consulting. The consulting industry in general is known for having very high paying jobs , and this is equally true for both management and economic consulting. Similarities.

Consulting 109

Consulting Management Oliver Wyman Case Interview 109

Tom Spencer

JULY 29, 2022

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. Within HR management, there are three main functions to be aware of. Breaking into Human Resources Management. Talent Acquisition. Compensation. Learning and Development.

Resources 78

Resources Management How To Balance Sheet 78

Strategic Planning and Management Insights

MARCH 29, 2023

As a business leader, you know that creating and implementing an effective strategic plan can be overwhelming. 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.

Banking 98

Banking Strategy Strategy Strategy& 98

Tom Spencer

JUNE 16, 2018

The financial services industry has seen drastic technology-driven change over the past few years, and digital has fundamentally reshaped consumer behaviour in banking. According to Oliver Wyman, a global management consulting firm, 90% of Canadian banking customers use digital channels and more than 30% are now banking exclusively virtually.

Oliver Wyman 79

Oliver Wyman Banking Insurance Insurance 79

Management Consulted

MAY 28, 2017

In fact, the firm is already beating out heavyweights such as McKinsey, Bain, and Parthenon-EY for strategy projects in the tech sector due to better industry specialty. On the value creation side, Bulger Partners covers 13 different types of value assignments (growth strategy offerings, technical strategy, operations, etc.).

Software 165

Software Strategy Strategy Strategy& 165

Tom Spencer

SEPTEMBER 13, 2024

As a strategy consultant at various firms, including most recently at Strategy&, I would have argued that success as a manager means “leading a team to solve complex problems and deliver the best client outcomes”. While these goals remain important, my perspective on management has evolved since then.

Construction 78

Construction Banking Management Enterprise 78

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

FEBRUARY 21, 2021

Especially if your first job is management consulting as you will be presented with many opportunities to jump into industry. My primary career philosophy is to manage my career like an experiment. When making career decisions, I prioritize myself over the interests of my parents, manager, company, or others.

Strategy 78

Strategy Strategy Strategy& Management 78

LSA Global

JUNE 3, 2024

Top 10 Steps to Better Design Strategy Success Metrics Workplace metrics impact workplace behaviors and performance. Strategic buy-in and strategy execution hinges on the ability to measure success accurately and transparently. Designed properly, strategy success metrics provide clear direction, motivation, and accountability.

Metrics 63

Metrics Strategy Strategy Strategy& 63

Wakeman Consulting Group: Dave's Blog

MARCH 13, 2023

I felt like after the failure of Silicon Valley Bank and the uncertainty that seems to be on the business pages that this would be a relevant thing to share with folks. Dave In the current uncertain environment, DAVE WAKEMAN advises how business owners can assess and adapt their management strategy.

Strategy 59

Strategy Strategy Strategy& Marketing 59

Tom Spencer

MARCH 24, 2023

On March 10th, Silicon Valley Bank went bankrupt. 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. As the size of SVB’s losses became known, this startled anyone with money in the bank’s coffers.

Banking 97

Banking Industry Real Estate Financial 97

Tom Spencer

JANUARY 19, 2024

The Fed influences the world economy Professors in banking and finance often use the metaphor of the economy as a plane and the Fed as the pilot. The federal funds rate determines the cost of interbank borrowing in the overnight money market, which influences the interest rates that banks charge on consumer and business loans.

Banking 88

Banking Policies Government Tools 88

The Management Centre

SEPTEMBER 30, 2022

Managers are often tasked with demonstrating leadership in their role. What is management? Why do managers need to lead? Why do leaders need to also manage? In this blog we look at three responsibilities and which management/leadership attributes to use for each. Management. Management. Management.

Leadership 52

Leadership Management Examples Report 52

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

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

Management Consulted

JULY 22, 2013

From the variety of work and access to C-level executives to the wide array of exit opportunities, strategy operations consulting far surpassed financial advisory consulting as our recommended career to pursue. Find it here: 5 reasons to choose strategy operations over financial advisory consulting. Missed part one?

Financial 194

Financial Consulting Strategy Strategy 194

Harvard Business

SEPTEMBER 21, 2021

Does addressing structural racism in the financial system align with a major bank’s growth strategy?

Banking 53

Banking Financial System Strategy 53

MishTalk

AUGUST 13, 2014

Chinese Credit Just Collapsed and shadow banking with it. Shadow Banking Aggregate social financing was 273 bn yuan versus 1500.0 bn expected and prior was 1970 bn implying that shadow banking credit contracted 112 bn in the month. trillion yuan from the previous month, the central bank said today. bn versus 780.0

Banking 73

Banking Finance Journal Report 73

MishTalk

DECEMBER 4, 2013

Most understand the "too big to fail" banks have gotten bigger and bigger over time as they swallow up smaller banks bit by bit. Number of Banks Over Time by Type Total Number of Banks Percent of Banks Vs. 1990 Total Problem Banks as Percentage of All Banks Anyone feel any safer by this?

Banking 53

Banking Management Strategy& Strategy 53

MishTalk

AUGUST 23, 2014

I received an interesting question on bank lending just a bit ago. Would QE by the ECB spur European bank lending? Banks do not lend from excess reserves. Banks lend (provided they are not capital impaired), when credit-worthy borrowers want credit and banks perceive risks worth lending. Of course not.

Banking 59

Banking Course Management Strategy 59

CaseInterview.com

DECEMBER 4, 2019

I recently wrote an article about the difference between Planned vs. Emergent Career Strategies. The emergent strategy sometimes reveals itself in the process of pursuing the original career plan. I met an investment banker, an equity research analyst, an EVP at Wells Fargo (one of the top 10 banks in the U.S.),

Strategy 66

Strategy Strategy Strategy& Engineering 66

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 62

Banking Benchmarking Finance Policies 62

MishTalk

AUGUST 9, 2013

The question on my mind today is "When will the Spanish banking system collapse?" The Spanish banking system passed a so-called "stress test" in 2012, but sovereign government bonds are are not included in the evaluation. It was Cypriot exposure to Greek bonds that collapsed the Cypriot banking system. Stress-Free Tests.

Banking 76

Banking System Real Estate Government 76

MishTalk

NOVEMBER 6, 2013

Via translation, El Economista reports the Bank of Spain Discovers €20.50 Non-performing loans of Spanish banks to the end of September totaled €92.224 billion euros, 29% more than the €71.660 billion according to preliminary data included in the last Bulletin Financial Bank of Spain. Bank of Spain Translated. Banks lied.

Banking 62

Banking Financial Report Course 62

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

BCG

SEPTEMBER 20, 2016

To this end, ING aims to simplify the banking experience, making its services fast, easy, and accessible. Ralph) Hamers has been with ING for 25 years, becoming CEO in 2013 after a variety of roles in wholesale banking, lending, finance, credit risk management, and retail banking.

Banking 40

Banking Boston Consulting Group Industry Retail 40

MishTalk

FEBRUARY 26, 2014

Ukraine Seeks Help From IMF Reuters reports Ukraine Asks IMF for Help on New Financial Aid Program Ukraine has asked the International Monetary Fund to help prepare a new financial aid program, its central bank chairman said on Wednesday, adding that the new government would soon have its own anti-crisis program ready.

Banking 63

Banking Financial Report Government 63

MishTalk

OCTOBER 26, 2013

Bank profits are. Banks cannot use the money and are not lending it. It proposes a new tool to pay banks even more interest on money banks don''t lend and cannot use (as an alternative to shrinking money supply). Visit [link] to learn more about wealth management and capital preservation strategies of Sitka Pacific.'

Banking 68

Banking Tools Balance Sheet Policies 68

MishTalk

NOVEMBER 27, 2013

In the wake of all the misguided pleas for negative interest rates in Europe (hoping to get banks to lend), comes news US banks warn Fed interest cut could force them to charge depositors. Most” officials thought a cut in the interest on bank reserves was an option worth considering. Excess Reserves Free Money Math The Fed pays.25%

Banking 61

Banking Insurance Insurance Course 61

MishTalk

DECEMBER 26, 2014

In Russia, the overnight lending rates between banks has soared to 19%, a sign of widespread and warranted mistrust between banks, as one bank has failed. To stabilize the situation, Putin is considering bank deposit insurance up to an amount equivalent rate of about $26,000. Spending has ramped up in the last few weeks.

Banking 61

Banking Insurance Insurance Report 61

MishTalk

MARCH 28, 2014

Dave asks " Can''t an argument be made that since much of the banking system is really insolvent, that the Fed increasing its balance sheet is necessary? " "Necessity" This depends on what you mean by "necessary" and more importantly, who gets to decide. I am one of those who staunchly believes that banks should fail.

Banking 68

Banking Balance Sheet System Financial 68

Business Consulting Agency

JULY 2, 2024

Whether you’re launching a startup or growing your small business, here is a comprehensive guide on how to find business funding, exploring various sources and strategies to secure the necessary capital. Create a detailed business plan that outlines your financial projections, revenue model, and growth strategy. Talk to an expert.

Small Business 52

Small Business Banking Financial Finance 52