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Bank Profitability: Decoding the Income Statement

Tom Spencer

It reflects the bank’s assessment of potential losses it may incur and its commitment to maintaining a strong balance sheet. Jason Oh is a Senior Associate at Strategy& with a focus on financial services. Additionally, it provides insights into the overall quality and soundness of a bank’s loan portfolio.

Banking 88
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Consultant Ninja: A Simple Question about the Credit Markets.

Consultant Ninja

Consultant Ninja. Management Consultant | Excel Jockey | Slide Monkey | Corporate Insurgent | One-Eyed Man in the Valley of the Blind Mckinsey | Bain | BCG | Booz | Oliver Wyman. Posted by Consultant Ninja. Consultant Ninja. Consultant Insider. Consultant Ninja. skip to main | skip to sidebar. at 7:39 PM.

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China Cash Crunch Eases, For How Long? Three Things China Needs to Avoid; When can Beijing Truly move to Market-Determined Interest Rates?

MishTalk

China''s Central Bank Discusses Deposit Insurance On December 9, Caixin Online noted PBOC Said to Be Talking to Major Banks about Deposit Insurance. Financial reform, which lies at the heart of China’s reform wishlist, embraces the eventual liberalisation of deposit rates, and the determination of interest rate levels by markets.

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Seven Charts Explain Why Chicago Bonds Rated Junk

MishTalk

By some calculations, the city is on the hook for as much as $63 billion when pensions, long-term notes, and health insurance obligations are included. Chart #2: Growing Payments While the current state of the city’s balance sheet is dismal, the real problem relates to what is expected to develop over the next decade.

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Banks – Industry Overview

Tom Spencer

Wealth Management – wealth management is heavily favored today in bank strategy due to low capital requirements – the business model was covered in the series on Asset Management. Banks have huge balance sheets well in excess of their equity value due to all deposits being liabilities – the balance sheet is the business.

Banking 12
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Mish's Global Economic Trend Analysis: FHA Swamped By Defaults.

MishTalk

According to Ligon, the only way the FHA can avoid a bailout is to reduce its market share by lowering maximum loan limits to $325,000 over the next four years, raise credit requirements for borrowers, and institute “burden sharing” with loan originators by reducing insurance coverage from the current 100 percent to 50 percent by 2016.

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Reader Q&A On Bitgold

MishTalk

We do not charge storage or insurance fees, or any holding or monthly fee for that matter. This risk is mitigated with 100% insurance coverage and the world’ most prestigious security firm. This makes silver an unattractive element for high velocity payments as we subsidize the storage fee from our own operational balance sheet.

Banking 28