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Coronavirus & Consulting Offers

Tom Spencer

The travel and hospitality industries have been decimated, stock markets around the world have tanked, and governments struggle to combat this devil on so many fronts. The UK has 3,500 known cases of the virus and London will probably be shut down in the next week, if not before. Commerce has ground to a halt.

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Bank Profitability: Decoding the Income Statement

Tom Spencer

Non-interest income This is the revenue generated from fees, typically accounting for around 40% of industry revenue, including: deposit service charges (e.g., It reflects the bank’s assessment of potential losses it may incur and its commitment to maintaining a strong balance sheet.

Banking 88
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Consultant Ninja: A Simple Question about the Credit Markets.

Consultant Ninja

Heres my understanding of the current TARP/TARPII/PPIP/etc plans: The major "sick" banks wont lend to businesses, because their balance sheets are tied up with bad assets that they cant sell. The government will buy those assets, freeing up the major banks to loan again to businesses. Posted by Consultant Ninja. at 7:39 PM.

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Banks – Industry Overview

Tom Spencer

Banks lend money to individuals, businesses, and governments through a variety of loans and collect interest payments. Although mortgages do not necessarily pay high interest rates, they do not eat up any capital due to the safety of the financial product and implicit government guarantees. Interest Income. Non-interest Income.

Banking 12
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War Between Spain and Germany Erupts Over Next Round of Watered Down Stress Tests; Germany Complains About the "Carry Trade"

MishTalk

Draghiz e: "The test is credible because the ultimate purpose of it is to restore or strengthen private sector confidence in the soundness of the banks, in the quality of their balance sheets" Mish : The test is credible because we say it is. It is what they call "enforce the triple A". Conclusion: expect another stress-free test.

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Descent of the Global Monetary System

Tom Spencer

Money is not really respected in academia, and so most of the attention tends to focus on other topics: the interaction between buyers and sellers, the structure of industries, statistical modelling, the valuation of financial assets, and so on. And secondly, it allows the government to engage in a certain amount of deficit spending.

System 88
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Has COVID-19 Derailed Your Planning? Tips From a Crisis Management Expert

Martinka Consulting

And depending on your industry, it could be a quick rebound or a long, slow process. Know what’s happening with governments and their policies. If you have a line of credit, consider using it to get cash on your balance sheet. If it is, once there’s stability it’s time to sell. What are you telling clients now?