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When Banks Meet Bots: The AI Transformation of Finance

Tom Spencer

Artificial intelligence (AI) is transforming industries across the globe, and banking is no exception. The adoption of AI is revolutionizing banking products, enabling financial institutions to offer personalized service, increase efficiency, and enhance security. AI-Driven Innovations in Banking Products 1.

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Gen AI in Banking: Current State of Affairs

Tom Spencer

When it comes to tech innovations, the banking sector is usually ahead of the curve. Banks are buzzing with excitement over Gen AI, and its future in the sector looks even brighter. Banks are buzzing with excitement over Gen AI, and its future in the sector looks even brighter.

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Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

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. We will examine each in turn. That is, net interest income divided by assets.

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Bank Profitability: Decoding the Income Statement

Tom Spencer

How do banks make money? What is a bank really worth? Firstly, by outlining the major items on a bank’s income statement, and then by discussing key ratios that are commonly used to measure profitability and to estimate the market value for banks. Where does this money ultimately go?

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Gen AI in Banking: Transformative Use Cases

Tom Spencer

Despite many current applications being small-scale pilot projects, the promise of Gen AI to revolutionise banking operations and enhance customer experiences is becoming clear. Real-time market analysis There is a rich potential for Gen AI tools to considerably assist in strategic decision-making. Data-driven decision-making 2.1

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Investment Banking 101: Understanding the Industry

Tom Spencer

Investment banking forms part of the financial services industry involved in the underwriting, distribution, and trading of securities. What Investment Bankers Do There are several key roles within investment banking, including corporate finance, sales and trading, and research.

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Wealth Management 101: The Hidden World of Private Banking

Tom Spencer

The financial services industry comprises firms that operate across a range of sectors: Asset & Wealth Management, Banking & Capital Markets, and Insurance. In simple terms, asset management firms are the ‘manufacturers’ of investment products (e.g., clients can purchase iShares on the RBC Wealth platform).

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