Tom Spencer

OCTOBER 13, 2023

Efficiency ratio The efficiency ratio measures effective cost management and operational efficiency, and is defined as non-interest expenses divided by revenue. Net interest income (which is generally balance sheet driven) declined to approximately 50% of revenues in recent years from representing almost 80% of revenues in 1980.

Metrics 88

Metrics Banking Balance Sheet Efficiency 88

MishTalk

JUNE 10, 2015

Average Annual Inflation by Decade We need to stop talking deflation and using 1930s comparison on Fed hike. Central Bank Balance Sheets Excuse me? Hard even to see change in ECB balance sheet. Visit [link] to learn more about wealth management and capital preservation strategies of Sitka Pacific.

Balance Sheet 28

Balance Sheet Travel Comparison Banking 28

Harvard Business

JULY 15, 2016

Sure, people print nostalgic books and holiday cards, but that volume pales in comparison to Kodak’s heyday. No strategy is static. Sasson himself told The New York Times that management’s response to his digital camera was “that’s cute – but don’t tell anyone about it.”

Film 28

Film Balance Sheet Chemicals Engineering 28

MishTalk

SEPTEMBER 4, 2014

The newly decided measures, together with the targeted longer-term refinancing operations which will be conducted in two weeks, will have a sizeable impact on our balance sheet. In comparison with the June 2014 Eurosystem staff macroeconomic projections, the projection for inflation for 2014 has been revised downwards.

Banking 74

Banking Balance Sheet Government Comparison 74

MishTalk

APRIL 1, 2015

For the sake of comparison, Chicago has around $7.2 Chicago used interest rate swaps on its 2003, 2005, 2007, and 2009 bond deals, apparently as part of a synthetic fixed rate strategy. ( It is not a balance sheet test, but a cash flow test. According to the Chicago Tribune , “since 2000, the city has used $3.6

Financial 28

Financial Engineering Finance Government 28

MishTalk

JANUARY 3, 2014

Had I suggested in 2007 that the Fed balance sheet expansion of $75 billion a month would have been considered "tightening" people would have thought I was nuts. Mike "Mish" Shedlock [link] Mike "Mish" Shedlock is a registered investment advisor representative for SitkaPacific Capital Management. Here we are.

Conference 74

Conference Banking Government Balance Sheet 74