MishTalk

DECEMBER 26, 2014

Next year will be a very important year for China because possible strains in the banking system and the intensity with which the reformers present their case will give us a better sense both of how much debt capacity the country retains and of how well positioned Xi Jinping and his allies are to implement the needed reforms.

Banking 71

Banking System Benchmarking Finance 71

Tom Spencer

AUGUST 25, 2018

In the midst of the panic, individuals attempt to withdraw funds from the banking system and, as rumours circulate that banks may not have enough money to repay deposit holders, a bank run ensues. Post-failure balance sheets show that Lehmann Brothers actually had twenty billion dollars of assets in excess of its debts.

Financial 60

Financial Balance Sheet Banking Policies 60

MishTalk

FEBRUARY 16, 2014

Venezuela uses a de-facto dual-exchange rate system, but policy changes recently enacted by the Venezuelan government are affecting the way that certain imports — i.e, bolivare-per-USD rate, thus the near-$300 million charge P&G now expects to incur on its third quarter balance sheet. bolivares per one U.S.

Balance Sheet 77

Balance Sheet Productivity Sales Policies 77

MishTalk

NOVEMBER 20, 2013

Banks; Global Financial System is Bankrupt. The effects of a system that ''encourages excessive financial leverage''. trillion balance sheet is leveraged nearly 49-to-1. As a group, these three banks have some €4 trillion in assets on their balance sheets, supported by €129.3 By contrast, J.P. counterparts.

Balance Sheet 78

Balance Sheet Banking Financial Finance 78

Consultant Ninja

MARCH 31, 2009

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. Should this happen we would suffer major systemic failure, potential hyper-inflation, and illiquid capital markets. at 7:39 PM.

Balance Sheet 100

Balance Sheet Marketing Banking Consulting 100

Tom Spencer

NOVEMBER 17, 2018

MBS were being used as collateral for interbank trading, thus essentially underpinning the entirety of the financial system in the US. Banks applied steep haircuts to the market value of these securities making it unviable to use them as collateral, and this led the financial system to freeze up.

Financial 60

Financial Banking Balance Sheet Cash Flow 60

MishTalk

APRIL 12, 2015

In a recent speech, Mr. Hoenig noted that under American accounting rules, derivative holdings add $300 billion to the balance sheets of five top banks — JPMorgan Chase, Citigroup, Bank of America, Goldman Sachs and Morgan Stanley. In a healthy system, the banks would hold enough capital to ensure that doesn’t happen again.

Banking 28

Banking Balance Sheet Insurance Insurance 28

Martinka Consulting

MAY 4, 2018

Have solid financial systems and accurate financial statements. One of the first things I do when I see financial statements is check if the year-to-date income on the P&L is the same as the year-to-date income on the balance sheet. You’d be surprised how often it isn’t the same.).

Balance Sheet 53

Balance Sheet Financial Industry System 53

Harvard Business

OCTOBER 31, 2017

It may feel as though the financial system hasn’t changed much in the decade since the downturn, but it has. Most of the regulation was meant to safeguard the financial system, and the taxpayers who had to bail it out, from another crisis. Many other financial firms including AIG, Fannie Mae, and Freddie Mac needed bail outs.

Banking 28

Banking Balance Sheet Financial Finance 28

MishTalk

JULY 11, 2014

Historical evidence shows that this rarely happens following a balance sheet recession. Such episodes often coincide with banking crises, which in turn tend to go hand in hand with much deeper recessions – balance sheet recessions – than those that characterise the average business cycle.

Balance Sheet 74

Balance Sheet Financial Banking Policies 74

Harvard Business

SEPTEMBER 16, 2016

For example, at the end of its 2015 fiscal year, Apple’s balance sheet stated tangible assets of $290 billion as a contribution to its annual revenues, with approximately $141 billion worth of intangible assets — a combination of intellectual capital, brand equity, and (investor and consumer) goodwill.

Data 28

Data Balance Sheet Enterprise Insurance 28

MishTalk

DECEMBER 23, 2013

An exceptional bid by China’s central bank to curb soaring interest rates and relieve pressure on the financial system appeared to have come up short on Monday, as Chinese money market rates shrugged off the measure and continued to approach the crisis levels seen in June.

Balance Sheet 76

Balance Sheet Banking Benchmarking Financial 76

MishTalk

NOVEMBER 27, 2013

Draghiz e: "The test is credible because the ultimate purpose of it is to restore or strengthen private sector confidence in the soundness of the banks, in the quality of their balance sheets" Mish : The test is credible because we say it is.

Balance Sheet 66

Balance Sheet Exercises Banking Government 66

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.

Data 29

Data Apparel Automotive Balance Sheet 29

Harvard Business

JUNE 27, 2017

Most offices have adequate but aging lighting systems that often operate inefficiently, can waste vast amounts of energy, and annoy employees. Basically, the problem is that everybody wants a better lighting system but nobody wants to pay for it. The customer specifies the outcomes it requires from its lighting system (e.g.,

Balance Sheet 33

Balance Sheet Energy System Operations 33

Harvard Business

NOVEMBER 25, 2016

Many commercial and industrial buildings have rooftops, parking structures, and unused land that can host systems that are significantly larger and cheaper than residential systems. The most common and fast-growing source of locally generated (or “distributed”) power is rooftop solar. electric demand.

Energy 28

Energy Balance Sheet Efficiency Software 28

MishTalk

DECEMBER 18, 2013

Details show the alleged rainy-day fund is a pathetic €12.5bn of joint funds not available until 2020, even though 128 banks covered in the agreement have an aggregate balance sheet somewhere between €26 trillion and €27 trillion.

Banking 71

Banking Balance Sheet Finance Government 71

MishTalk

FEBRUARY 6, 2014

The eurozone is doing so by accident, letting market forces drain liquidity from the financial system for month after month. The ECB balance sheet has plummeted to 23pc of eurozone GDP from a peak of 32pc in July 2012. The US and China are withdrawing stimulus on purpose. This is "passive tightening" or "endogenous tapering".

Balance Sheet 72

Balance Sheet Banking Retail Policies 72

MishTalk

DECEMBER 26, 2013

The liberalisation is seen as a necessary part of China’s efforts to reduce its reliance on investment and boost consumption as well as to integrate itself more fully in the global financial system with lighter capital controls. Advocates have called for such a system for years, saying it is the cornerstone of further financial reform.

Balance Sheet 67

Balance Sheet Marketing Banking Financial 67

Martinka Consulting

MARCH 5, 2021

Have a strong balance sheet. However, they designed and installed very complicated systems and guess who was the only person on staff who could do the bids? Business sellers please make it easy on your buyer, the bank, and your intermediary. Show profit, no matter what your CPA says. Yep, the seller.

Balance Sheet 40

Balance Sheet Cash Flow Financial Education 40

Harvard Business

FEBRUARY 7, 2018

Tens of billions of connected sensors are being embedded in everything ranging from industrial robots and safety systems to self-driving cars and refrigerators. In addition, they need the ability to switch to manually controlled environments in case artificially intelligent systems have to be shut down and to recall faulty smart products.

Insurance 28

Insurance Insurance Balance Sheet Government 28

Harvard Business

NOVEMBER 8, 2016

But as more organizations fall prey to complex intangible risks, from unwanted disclosure due to rampant cyber threats to breaches of conduct driven by skewed incentive systems, the aperture of risk management is expanding from protecting the balance sheet to promoting ethical leadership and values-based decision making.

Ethics 38

Ethics Management Balance Sheet Agile 38

Tom Spencer

NOVEMBER 27, 2021

While the total assets on the Fed’s balance sheet are currently more than $8 trillion , there is more than $57 trillion of total debt in the US economy. A period of aggressive QE could persist for some time. A period of high inflation and economic recession will impose reduced living standards and economic hardship.

Government 88

Government Balance Sheet Apparel Education 88

Harvard Business

NOVEMBER 22, 2016

Take a balance-sheet view. Effective cross-selling organizations, such as American Express, complement the P&L perspective with a longer-term, balance-sheet view of the business and a multiyear view of customer value. To that end, here are five guidelines for expanding share with current customers. Just get started.

Balance Sheet 28

Balance Sheet Insurance Insurance Data 28

Harvard Business

JULY 17, 2018

Today’s young professionals grew up in an age of mind-boggling technological change, seeing the growth of the internet, the invention of the smartphone, and the development of machine-learning systems. Automated systems are usually very bad at recognizing context.

Ethics 52

Ethics Balance Sheet System Productivity 52

MishTalk

SEPTEMBER 23, 2013

When I began investing, one looked at the real property on balance sheets. Instead of a system where both parties take a risk, one party is off the hook. We are looking into the EpiPen antidote system, because this is now the third stinging event regarding yellow jackets on my property. Mike "Mish" Shedlock.

Banking 65

Banking Balance Sheet Policies Travel 65

Harvard Business

OCTOBER 11, 2018

Paradoxically, “data” appear everywhere but on the balance sheet and income statement. The data is scattered in silos — stuck in departmental systems that don’t talk well with one another, the quality is poor , and the associated costs are high. Except for very few, this hasn’t happened.

Data 36

Data Strategy Strategy Strategy& 36

MishTalk

JANUARY 28, 2014

"Industrial and Commercial Bank of China, the world''s largest bank by assets, said on Thursday that it has no plans to use its own money to repay investors in a troubled off-balance-sheet investment product that it helped to market." Investors should have taken a hit. Certainly the promised 10% yield was too good to be true.

Banking 72

Banking Balance Sheet Productivity Financial 72

MishTalk

SEPTEMBER 8, 2014

This takes, in round numbers, all of the risk out of Lending Club''s balance sheet. I suggest it''s time to change the model to a 100% reserve system that eliminates duration mismatches, does not allow printing of money into existence, and also stops runs on banks without FDIC. I am not against loans.

Banking 74

Banking Balance Sheet Financial Operations 74

MishTalk

APRIL 7, 2014

Sharon Bowles, the chair of the parliament’s economics and finance committee, said the revisions were essential to accommodate national central banks that “do not have big balance sheets” and need extra guarantees from the state when lending to struggling lenders.

Banking 71

Banking Balance Sheet Finance Government 71

Harvard Business

SEPTEMBER 7, 2017

.” GreenBiz founder Joel Makower defines a stranded asset as “a financial term that describes something that has become obsolete or nonperforming well ahead of its useful life, and must be recorded on a company’s balance sheet as a loss of profit.” So-called “sunny day flooding”, (i.e

Balance Sheet 28

Balance Sheet Real Estate Financial Culture 28

Harvard Business

JANUARY 16, 2017

That is, someone does the wrong thing while trying to do the right thing, and organizational systems fail to catch it and contain it. To restore its balance sheet, it had to sell half the business. There are two aspects to the problem-finding corporate governance system its board has put in place.

Company 28

Company Government Balance Sheet System 28

MishTalk

JUNE 27, 2013

There is liquidity in the system and the PBoC still has the tools needed to alleviate a short-term liquidity crunch before it leads to a banking crisis. Probably the main lesson of last week is that systems in which. These kinds of systems, however, are not less volatile. Large shocks tend to result in increases in.

Analysis 70

Analysis Trends Real Estate Banking 70

Harvard Business

APRIL 14, 2016

Last year, Citi produced a powerful study of the costs and benefits of shifting the energy system toward low-carbon technologies. These so-called “stranded assets,” sitting on petro-company balance sheets, are essentially worthless. And thus those companies are massively overvalued.

Data 28

Data Balance Sheet Real Estate Study 28

Harvard Business

MARCH 30, 2017

In such a system, employers protect workers from many of the vagaries of market forces; they take a longer-term perspective on firm performance, and favor corporate strategies that necessitate a stable, well-trained, and loyal workforce. In the post–World War II era up to the late 1970s, employment systems in the U.S.

Marketing 28

Marketing Balance Sheet System Training 28

MishTalk

JUNE 9, 2015

Chart #2: Growing Payments While the current state of the city’s balance sheet is dismal, the real problem relates to what is expected to develop over the next decade. Data Sources: Illinois Policy Institute, 2010 Census, Chicago Budget. Per capita income estimate is for Cook County.

Balance Sheet 28

Balance Sheet Data Insurance Insurance 28

MishTalk

SEPTEMBER 15, 2015

Without paying banks interest to hold excess reserves idle in the banking system, the Fed could reduce its balance sheet by more than one-third (over $1.4 The chart below shows the relationship between the 3-month Treasury bill and the ratio of the monetary base (currency and bank reserves) to nominal GDP, in data since 1929.

Balance Sheet 28

Balance Sheet Banking Financial Policies 28