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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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Two-Week Price Inflation in Argentina hits 30%, US Products Lead the Way; Currency Devaluations Hit P&G Earnings

MishTalk

A tour of various supermarkets in the city of Buenos Aires, found escalating inflation is much higher in stock products, perfumery and milk. 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. is now $13.55.

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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. What the company found was that refund and replacement inquiries were most common among industries such as retail, public sector, automotive, and manufacturing.

Data 29
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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

China''s Move to Market-Set Rates Let''s step back to December 8 and look at China Relaxes Grip on Interest Rates China is relaxing its grip on interest rates with the launch of a financial instrument that allows banks to trade deposits with each other at market-determined prices. China’s credit boom is still in full swing.

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5 Ways to Increase Your Cross-Selling

Harvard Business

As a result, USAA outperforms most competitors in the number of products held by its customers. In the past, marketers have struggled to deliver the higher response rates they need from existing customers — a smaller group than potential new customers. Take a balance-sheet view. Take a balance-sheet view.

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How the Great Recession Changed Banking

Harvard Business

The market panicked. That strengthened investment banks’ balance sheets by forcing them to scale back and to change the nature of the risks they take. This is most apparent in the credit markets, where revenues have shrunk by more than 40% from pre-crisis peaks. HBR Staff/CSA Plastock/Getty Images.

Banking 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