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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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Banks – Industry Overview

Tom Spencer

Translated into plain English, asset sensitive means margins expand when the Federal Funds rate increases, as the interest income from assets on the balance sheet increase faster than liabilities. Deposits are insured by the government up to C$100,000 in Canada and up to US$250,000 in America. Commercial vs Retail Banking.

Banking 12
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Former Fed Governor Thomas Hoenig Says US Banks Undercapitalized, Unsafe, and Unsound

MishTalk

He is now vice chairman of the Federal Deposit Insurance Corporation. This month, Thomas Hoenig, vice chairman of the Federal Deposit Insurance Corporation, released data that contradict the Fed’s conclusions. The sector of the financial industry with the greatest concentration of assets is the least well capitalized.

Banking 28
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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. I think what you say makes sense, but implementation of your idea requires quite an re-allocation of industry resources. at 7:39 PM.

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5 Ways to Increase Your Cross-Selling

Harvard Business

The financial services firm USAA prizes its relationships with customers and consistently earns the highest customer loyalty scores in the industry for both its U.S. banking and insurance businesses. A similar story can be told in retail banking, insurance, credit cards, retail, and other industries.

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We Need to Approach AI Risks Like We Do Natural Disasters

Harvard Business

Tens of billions of connected sensors are being embedded in everything ranging from industrial robots and safety systems to self-driving cars and refrigerators. AI Insurance Products and Services. Insurers should quantify their exposure to a global intelligent device meltdown, offer new products, and advise companies and governments.

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Customer intent is a treasure trove of actionable data hiding in plain sight

1 to 1

By 2025, smart workflows and seamless interactions among humans and machines will be as standard as the corporate balance sheet, and most employees will use data to optimize nearly every aspect of their work, predicts McKinsey & Company.

Data 29