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Bank Profitability: Decoding the Income Statement

Tom Spencer

How do banks make money? What is a bank really worth? 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. Where does this money ultimately go?

Banking 88
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Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

In the previous article , we looked at how banks make money and how they must meet capital requirements. In this article, we will explore the importance of profitability ratios and valuation metrics that are crucial when analyzing banks. It provides insights into how effectively a bank utilizes shareholder capital to generate profits.

Metrics 88
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Investment Banking 101: Understanding the Industry

Tom Spencer

Investment banking forms part of the financial services industry involved in the underwriting, distribution, and trading of securities. What Investment Bankers Do There are several key roles within investment banking, including corporate finance, sales and trading, and research.

Banking 88
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Wealth Management 101: The Hidden World of Private Banking

Tom Spencer

The financial services industry comprises firms that operate across a range of sectors: Asset & Wealth Management, Banking & Capital Markets, and Insurance. It is distinct from institutional or prime brokerage, asset management, and banking. A wide variety of firms now offer wealth management services.

Banking 78
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How “Payment Banks” Could Prevent the Next Bank Collapse

Harvard Business

Silicon Valley Bank illustrates why payroll shouldn’t be stored in an institution vulnerable to bank runs.

Banking 69
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Writing Secret 11: How to Use Your Fieldstones and Idea Bank to Write With More Ease

Johanna Rothman

Sometimes a fieldstone is too big for me, so I use the notion of an “idea bank.” ” My idea bank reminds me of themes I want to possibly address in the future. The Blank Page Problem Can Stop Writers from Writing Before I knew about fieldstones or the idea bank, I had trouble starting a piece.

Banking 64
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Goldman Sach’s Marcus Consumer Banking Unit has Struggled…

Wakeman Consulting Group: Dave's Blog

What is interesting is the struggles of Marcus, Goldman’s consumer facing bank face. ” Goldman is an investment bank. Consumer banking is an entirely different thing. Not having a background in consumer banking, Goldman had to acquire GreenSky® as a way to accelerate their entry into the consumer market.

Banking 40