Balance Sheet Management Retail Strategy 
Tom Spencer
OCTOBER 13, 2023
Efficiency ratio The efficiency ratio measures effective cost management and operational efficiency, and is defined as non-interest expenses divided by revenue. Net interest income (which is generally balance sheet driven) declined to approximately 50% of revenues in recent years from representing almost 80% of revenues in 1980.
Tom Spencer
OCTOBER 6, 2023
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. Jason Oh is a Senior Associate at Strategy& with a focus on financial services.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
MishTalk
FEBRUARY 16, 2014
Retail investors aren’t the only ones suffering from the woes of the emerging markets: Procter & Gamble PG +2.06% is feeling the pain of foreign currencies, too. bolivare-per-USD rate, thus the near-$300 million charge P&G now expects to incur on its third quarter balance sheet. certain P&G products — are exchanged.
1 to 1
JULY 29, 2022
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.
MishTalk
FEBRUARY 6, 2014
The balance sheet of the European Central Bank has fallen by €553bn over the past year as banks repay money that they no longer want, either because ECB funds are too costly in a near-deflationary world or because lenders are being compelled by regulators to shrink their books. The US and China are withdrawing stimulus on purpose.
Harvard Business
NOVEMBER 22, 2016
A similar story can be told in retail banking, insurance, credit cards, retail, and other industries. Managers wanting to grow share of wallet and raise the productivity of their cross-selling efforts may have to confront longstanding practices that stand in the way. Take a balance-sheet view. Just get started.
Harvard Business
OCTOBER 31, 2017
That strengthened investment banks’ balance sheets by forcing them to scale back and to change the nature of the risks they take. As a result, their balance sheets are half as large on a risk-adjusted basis, and the capital they hold against trading positions has doubled over the past decade, our research shows.
Expert insights. Personalized for you.
88 
Let's personalize your content