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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. A higher ROE indicates better profitability and efficiency in utilizing shareholder capital.

Metrics 88
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Bank Profitability: Decoding the Income Statement

Tom Spencer

The interest rate set by the central bank serves as a benchmark or reference rate for banks. While not covered in this article, being aware of banks’ capital requirements is also crucial (e.g., The interest rates at which banks borrow and lend money are influenced by the interest rates established by the central bank.

Banking 88
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Effective Governance: Overcoming Bias and Inertia

Tom Spencer

However, larger businesses often face challenges that hinder the efficacy and efficiency of their governance systems, impeding their ability to adapt, innovate, and thrive. This is the realm of efficient and effective governance, characterized by fresh perspectives, unwavering resilience, and a commitment to excellence.

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4 golden tickets to capture CX ROI

1 to 1

This article was written as part of a partnership between 1to1 Media and the European Customer Experience Organization. CX-inspired efficiencies is about being more efficient and not just cutting staff to achieve cost reduction goals. She’s dissected and painstakingly diagrammed each one. Hunsaker gets it.

ROI 26
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The Chimera of Consulting: Government and Public Sector Advising

Tom Spencer

This article will highlight two key differentiating factors to bear in mind if you wish to specialise in public advisory services. Although it is rarely obvious what the ‘common good’ actually means, social programmes need to establish their priorities on another basis than mere financial efficiency. Different mindset. Final thoughts.

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Retail Bank Operational and Digital Leaders Reap the Rewards

BCG

Article Tuesday, May 10, 2016. BCG’s Retail-Banking Excellence benchmarking study (REBEX) profiles the operational and digital practices and performance of 20 of the world’s leading retail banks, a group of 40 institutions chosen for their size and the strength of their capabilities. We refer to these banks as the “premier league.”

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Quote Your Consulting Billing Rate with Confidence

Successful Independent Consulting

The tactics in this article will help if you bill by the hour or by the day. There are other ways to bill for your talent and expertise but those will be covered in another article. Benchmark so you know your rate is reasonable. A seasoned practitioner will be more effective and efficient and will therefore be a better “buy.”