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Bank Profitability: Decoding the Income Statement

Tom Spencer

Bank’s Income Statement It’s important to note that banks have diverse product offerings and client types, and the reporting of business lines such as retail banking, wholesale banking, and wealth management can vary between different banks. Jason Oh is a Senior Associate at Strategy& with a focus on financial services.

Banking 88
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Your Whole Company Needs to Be Distinctive, Not Just Your Product

Harvard Business

Ever since the idea of strategy came to the business world in the early 1960s, the goal of differentiation has been paramount. To them, the unit of differentiation is an individual product, service or brand. It’s not the output that sets you apart, but the way that everything you do supports the product and gives it context.

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2014 List of Strategy Consulting Firms in Sydney

Tom Spencer

The definitive 2014 List of Strategy Consulting Firms in Sydney. Below is our 2014 list of strategy consulting firms in Sydney. This list will be of interest to you if you live in Sydney (or you would like to live in Sydney), and: you want to become a strategy consultant, or. Pacific Strategy Partners. Source: Flickr ).

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Customer intent is a treasure trove of actionable data hiding in plain sight

1 to 1

Detecting and understanding customer intent can give brands clarity into what a customer is trying to do beyond what they are saying or clicking on, whether it’s an upsell opportunity, a chance to deepen the customer relationship, increase customer retention, enhance a product or service, or something else.

Data 29
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Can we rely on LIBOR? - Tom Spencer consulting blog

Tom Spencer

Bremmer highlights the importance of LIBOR by explaining that it is “a key benchmark rate that affects the price of $350 trillion worth of securities and loans around the world.” ” Indeed, the British Banker’s Association notes that LIBOR “is the primary benchmark for short term interest rates globally.

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Hey Janet, It's July 15!

MishTalk

She didn't provide more specifics about the timing of the first hike in the Fed's benchmark rate since 2006, reiterating that it will depend on the progress shown by the economy and labor market. Industrial production barely bounced. Industrial production barely bounced. Retail sales are dismal. Is that your real concern?

Retail 28
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You Don’t Need to Be a Silicon Valley Startup to Have a Network-Based Strategy

Harvard Business

When we asked one successful online retailer “How do you compete with Amazon?” They grow faster, make more money, and are more valued than companies organized around products and services. A production process turns inputs into outputs and distributes them through a tightly controlled supply chain.