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Bank Profitability: Decoding the Income Statement

Tom Spencer

Firstly, by outlining the major items on a bank’s income statement, and then by discussing key ratios that are commonly used to measure profitability and to estimate the market value for banks. 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

A Simple Question about the Credit Markets. 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. Isnt also true that providing funds to the sick banks also insures they dont go under?

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Banks – Industry Overview

Tom Spencer

Historically, commercial banking and investment banking functions have been separated by law – these restrictions have since been repealed and larger banks tend to take on capital markets operations due to the complimentary nature of the businesses. In secondary markets, the sales & trading function operates as a market maker.

Banking 12
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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. Digital channels now allow companies to fine-tune marketing messages based on observed behavior. Take a balance-sheet view.

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

1 to 1

Insights into what customers want and need are more important than ever as the economy and market conditions change. TTEC identified the top reasons (intents) customers contact companies across different industries for customer support. Businesses are eager to unlock insights that can help them adapt to change and reengage customers.

Data 29
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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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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. In America, the FDIC insures each depositor for up to US$250,000.

System 88