article thumbnail

Human Resources Management – How to Get Started

Tom Spencer

Human resource teams are critical to the growth of a company since employees typically represent both the biggest operating expense and largest off-balance sheet asset for most businesses. In this article, I will break down a few functionalities of Human Resource teams, and a couple of ways to get started in Human Resource Management.

article thumbnail

Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

Image 1: Illustrative example of a bank’s net interest income and margin Source: CIBC’s 2022 Annual Report 1.2 Efficiency ratio The efficiency ratio measures effective cost management and operational efficiency, and is defined as non-interest expenses divided by revenue. All else being equal, a lower number is better.

Metrics 88
Insiders

Sign Up for our Newsletter

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

article thumbnail

Fed Openly Discusses "Permanently High Balance Sheet"; Lie Finally Admitted

MishTalk

Merits of Not Shrinking the Balloon When the Fed first launched QE, they stated they had the "tools" necessary to shrink their ballooning balance sheet. Once the Federal Reserve lifts interest rates from near zero, likely this week, the focus will turn to the other legacy of the crisis-era policies: the Fed's swollen balance sheet.

article thumbnail

Apple's Balance Sheet Math: Does Apple Really Have $203 Billion in Usable Cash on Hand as Widely Reported?

MishTalk

Current Liabilities Cash Much Smaller Than You Think I don't often dive into balance sheets, but did so after reading a Market-Watch opinion by Brett Arends. For example CNN Money points out Apple has $203 billion in cash. For example, he notes $31.5 billion in “off-balance-sheet” liabilities.

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. Image 2: Illustrative example of a bank’s non-interest income 3.

Banking 88
article thumbnail

How Business Intelligence Aids Business Decision Making

Tom Spencer

Now suppose that management wants to compile a list of most sold products for each store. For example, the top sold products could differ from store to store. When I worked as a Data Analyst at one of the largest retailers in Kosovo, we managed 36 stores across the whole country. How BI Aided a Large Kosovan Retailer.

article thumbnail

Creating Leadership Trust that Inspires People

Rick Conlow

For example, the US Congress is rated lower in trust than car salespeople. Products, the balance sheet and customers are the priority. Great companies and managers treat employees as their greatest resource. Great companies and managers treat employees as their greatest resource. What can you do as a manager?