Remove Balance Sheet Remove Insurance Remove Management Remove Sales
article thumbnail

Bank Profitability: Decoding the Income Statement

Tom Spencer

Bank’s Income Statement It’s important to note that banks have diverse product offerings and client types, and the reporting of business lines such as retail banking, wholesale banking, and wealth management can vary between different banks. For the sake of simplicity, we will present the information in a consolidated manner.

Banking 88
article thumbnail

Consultant Ninja: A Simple Question about the Credit Markets.

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. Isnt also true that providing funds to the sick banks also insures they dont go under? skip to main | skip to sidebar. Consultant Ninja. Tuesday, March 31, 2009. at 7:39 PM.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Descent of the Global Monetary System

Tom Spencer

This is a problem because it forces households and businesses to divert energy away from productive activity and towards managing and avoiding the cost of inflation. Liquidity risk means that a business or individual may suffer reduced access to cash due to reduced sales revenue, unemployment, or reduced access to funding markets.

System 88
article thumbnail

5 Ways to Increase Your Cross-Selling

Harvard Business

banking and insurance businesses. Those events trigger USAA to contact the customer at just the right time, with just the right offer, such as auto insurance when a customer’s daughter is about to turn 16. A similar story can be told in retail banking, insurance, credit cards, retail, and other industries.

article thumbnail

Banks – Industry Overview

Tom Spencer

In secondary markets, the sales & trading function operates as a market maker. 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 abide by strict asset-liability management limits.

Banking 12
article thumbnail

Why GE’s Jeff Immelt Lost His Job: Disruption and Activist Investors

Harvard Business

Over a period of years, every GE senior manager would learn the lean startup methodology, and GE would be the showcase for how modern companies use entrepreneurial management to transform culture and drive long-term growth. But first they need to get management of a company to change the existing strategy. Then it wasn’t.

article thumbnail

Reader Q&A On Bitgold

MishTalk

Remember, the card is loaded with currency using proceeds from metal sales. At BitGold that means gold metal sales. 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.

Banking 28