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How Business Intelligence Aids Business Decision Making

Tom Spencer

Consider a company operating in the retail industry, which has a large assortment of different products in its inventory and a dozen stores. Now suppose that management wants to compile a list of most sold products for each store. For example, the top sold products could differ from store to store.

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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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How the Great Recession Changed Banking

Harvard Business

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.

Banking 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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Blockchain Will Transform Customer Loyalty Programs

Harvard Business

Loyalty programs have proliferated across travel, retail, financial services, and other economic sectors. First, blockchain could help relieve a large balance-sheet liability that many in the industry are facing. The average U.S. Early adopters could benefit considerably.

Travel 33
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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commercial banking and investment banking functions have been separated by law – these restrictions have since been repealed and larger banks tend to take on capital markets operations due to the complimentary nature of the businesses.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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Persistent Overoptimism Three Ways: Truckers, Fed Economists, Manufacturers

MishTalk

Third-quarter Gross Domestic Product grew at a 1.5 Operating revenue decreased 15.9 My personal belief is the trucking industry needs to realize production of goods will have ups and downs,” Satish Jindel, principal of SJ Consulting , which closely tracks industry pricing, told Logistics Management. in October from 50.2