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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. The biggest swing in operating expenses is likely to be variable compensation.

Banking 88
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It’s Not “Time Management.” It’s Lean.

Markovitz Consulting

In the space of two weeks, the New York Times and the Wall Street Journal both ran articles on the productivity benefits of reduced work hours. Not to be outdone, NPR reported that Microsoft Japan moved to a four-day workweek this summer while increasing productivity by 40%.

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We Need to Approach AI Risks Like We Do Natural Disasters

Harvard Business

Like they have for extreme weather and natural disasters, companies can begin to establish international protocols and standards to govern AI not just within their own walls, but also to put in place processes to work with other companies, insurers, and policymakers. AI Insurance Products and Services. They should.

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Do You Know What Your Company’s Data Is Worth?

Harvard Business

Data contributes not only to brand equity, but to what constitutes product and service delivery in globally connected and hyper-competitive markets. To analyze EvD, determining the relative importance of data to an enterprise’s balance sheet, its ability to effectively compete, and its operational capabilities is a good place to start.

Data 28
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China Cash Crunch Eases, For How Long? Three Things China Needs to Avoid; When can Beijing Truly move to Market-Determined Interest Rates?

MishTalk

The certificates of deposits will push banks closer to an operating environment in which rates are deregulated and are also aimed at improving the circulation of cash in the country’s interbank market. These are the big issues, hinted at by the current hiatus in China’s money markets.

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Back in the Saddle, Just in the Nick of Time

MishTalk

The bank has no plans to securitize its originations, and it won’t keep any servicing rights or build out a servicing operation, Ally spokeswoman Gina Proia said in an e-mail. Ally isn’t expected to start offering risky products the way GMAC did, according to Jeff Davis at Mercer Capital. In 2013, Ally agreed to contribute $1.95

Mercer 28
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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