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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? the spread).

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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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. Distribution Channels The wealth management landscape consists of a range of distribution channels, ranging from high touch (i.e.,

Banking 78
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Consulting 101: Operations, Hierarchies, and Types of Firms

Tom Spencer

Learning how consulting firms operate can help you better understand what you would do as an analyst. As a result, you hire a team of consultants to explore and recommend marketing strategies. He was a Product Management Intern at PNC Bank and is an incoming Innovation Development Summer Analyst at JPMorgan Chase.

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How Eastern Bank Shifted Its Strategy to Compete with Online Lenders

Harvard Business

How one 200-year-old regional bank in the U.S. used intrapreneurship to compete with online lenders.

Banking 54
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Why you need a COO or operations manager

Asamby Consulting

Why you need a COO or Operations Manager. Either their operations have grown quite a bit or they are in the midst of growing. Many founders and CEOs ask us this question: Do I need an operations manager? But there are a few questions: Why is it necessary to hire an operations person? We answer with a resounding yes.

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Navigating the Cyber Minefield: Essential Strategies for Digital Safety

Chad Barr

Spyware: Software that secretly records what you do on your device, often used for collecting passwords, banking details, and personal information. Deepfakes and AI-Generated Scams: These new-age deceptions are alarmingly convincing, capable of swaying opinions and emptying bank accounts. They pose significant risks.