Remove Balance Sheet Remove Examples Remove Productivity Remove Strategy
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. the spread).

Banking 88
article thumbnail

Overcoming Data Collection Challenges in Consulting

Tom Spencer

I was assigned to a typical strategy engagement – should client X selling product Y increase sales in market Z? However, we struggled to calculate profitability over time, as the client had multiple kinds of products and used various procurement methods. When we asked the client to provide the needed data, they ghosted us.

Data 78
Insiders

Sign Up for our Newsletter

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

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

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. For example, in many technology companies software engineers are organized in a leveling structure. Compensation.

article thumbnail

Why Financial Statements Don’t Work for Digital Companies

Harvard Business

This becomes clear when you look at a company’s two most important financial statements: the balance sheet and the income statement. Let’s first look at the balance sheet. Consider Amazon’s Buttons and Alexa powered Echo , Uber’ cars, and Airbnb’s residential properties, for example.

article thumbnail

The Importance of Business Acumen for High Performance

LSA Global

We believe that employees need to better understand the key factors that affect a company’s operations and financial strength to improve decision-making and strategy execution. How can you expect to pitch a new strategy or product if you are unable to articulate its potential revenue, costs, and return on investment? Cash flow.

article thumbnail

Profitability Framework

Tom Spencer

This is not necessarily a problem if the decline was expected because a business is sustained from cashflow, not profit, and long term growth can be pursued through capital appreciation, which shows up on the balance sheet and not on the profit and loss statement. There are lots of ways to do this, including by: Product.

Sales 104