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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. We will examine each in turn. That is, net interest income divided by assets.

Metrics 88
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Launching Your Online Business: Guide for First-Time Entrepreneurs

Business Consulting Agency

In today’s digital era, the prospect of establishing an online business offers unparalleled opportunities for budding entrepreneurs to bring their innovative products and services to a global market. A thorough exploration of niche markets using tools like Google Trends, Amazon Best Sellers, or Etsy Trends is imperative.

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Nonperforming Spanish Loans Near All-Time High as Overall Credit Shrinks

MishTalk

Huky Guru posted a couple of interesting charts on his blog today about shrinking credit but rising percentage of nonperforming Spanish bank loans: NPLs of banks rebounded to 16.59%. Spanish Bank Shrinking Credit Nonperforming Loans The "real" numbers are normalized to account for a change in methodology.

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Fantasyland

Martinka Consulting

No new (additional) equipment, vehicles, marketing, or people. Some that come to mind are: A business seller believing his or her business is so special traditional valuation methodologies don’t apply to their business. Company founders believing a bank will lend them money based on their great idea. This is fantasy land.

B2B 40
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How Blockchain Can Help Marketers Build Better Relationships with Their Customers

Harvard Business

Blockchain has important implications for marketing and advertising. But according to The CMO Survey , only 8% of firms rate the use of blockchain in marketing as moderately or very important. This combination creates a natural barrier to entry and has likely caused marketers to take a “wait and see” approach.

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Jeremy Grantham 1999, Jeremy Grantham Today: "Over Next Seven Years, Market Will have Negative Returns"

MishTalk

I have to admit (time and time again actually), that this market has gone further, faster, than I thought possible. Over Next Seven Years, Market Will have Negative Returns" I strongly encourage you to read an interview of Jeremy Grantham, by Stephen Gandel, senior editor of Fortune : The Fed is Killing the Recovery. Grantham : No.

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Data Can Do for Change Management What It Did for Marketing

Harvard Business

Banks and lenders have predictive analytics engines that tell the lender the probability that a customer will pay them back. Housing market price changes can be more accurately predicted from analysis of Google searches than by a team of expert real estate forecasters. One area so far relatively untouched is change management.