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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. A higher ROE indicates better profitability and efficiency in utilizing shareholder capital.

Metrics 88
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3 ways conversational messaging compounds CX growth for banks

1 to 1

The landscape of retail banking is rapidly changing. Physical banks are closing and the age of virtual banking is here. It is causing banks and financial services firms to adapt to a whole new way to provide personalized services. The shift to virtual banking.

Banking 32
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CBDCs: The Future of Money? Exploring the Benefits and Risks

Tom Spencer

Central Bank Digital Currencies (CBDCs) are a new form of digital currency that will be issued and backed by central banks. While CBDCs and bank deposits can both be transferred digitally, there are at least five key differences between CBDCs and bank deposits that are worth being aware of.

Banking 88
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Transforming Governance Through Modern Technology

Tom Spencer

The traditional methods of governance, often characterized by bureaucratic hurdles, delayed decision-making, and limited stakeholder engagement, no longer meet the demands of the modern era. Virtual meeting platforms such as Zoom and Microsoft Teams can allow stakeholders to conduct remote meetings.

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The Transformative Power of AI in Business

Tom Spencer

More Efficient Operations AI enables businesses to automate repetitive and time-consuming tasks, freeing up human resources to focus on more complex and strategic activities. Robotic Process Automation (RPA) is becoming widely adopted to automate manual processes, reduce errors, and increase efficiency.

Data 147
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Why You and Your Clients Will Benefit from the Kanban Approach

Comatch

Work management methods ensure a workplace runs as efficiently as possible. I worked with a bank on a project and was asked to coach their employees on how to use Kanban. I was hired by the bank’s CEO—a genuine visionary who offered employees the opportunity to speak to me and discover more about the Kanban method. .

Agile 52
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Cryptocurrency – Understanding its role through the lens of economic history

Tom Spencer

To begin, I’ll discuss the role of central banks throughout history as one of the primary purposes of Bitcoin was to eliminate the need for central banks, usurping the role of these traditionally powerful entities. The first instances of central banking arose in the late 1600s with the Swedish Riksbank and the Bank of England.

Banking 60