UVA Darden

MARCH 20, 2023

Smith: The Silicon Valley Bank, or SVB, invested heavily in relatively “safe” assets, in that the investments had little or no likelihood of default. But the assets wouldn’t pay back for a long time, mostly 10 years or more. The bank also had long-dated assets. Once the run started, the FDIC had to step in and close the bank.

Banking 45

Banking Balance Sheet Assets Insurance 45

AIHR

APRIL 5, 2018

We define an ExO as one that has a disproportionately large impact (or output) compared to its peers, and that enjoys an exponential return on assets (such as talent, capital, or intellectual property). In addition, the rise of platform technologies has made it easier for organizations to use crowdsourcing to tackle tough challenges.

Balance Sheet 59

Balance Sheet Assets Marketing Operations 59

Eric Jacobsen Blog

MARCH 22, 2023

Companies must care for workers as complete “assets”, caring for workers’ health, wellness, mental health, and longevity as they would care for any tangible asset in the corporate balance sheet. 90% of the value in most organizations is generated from intangible capital : your people.

Balance Sheet 52

Balance Sheet Assets Employee Engagement Recruitment 52

Harvard Business Review

APRIL 4, 2016

Let’s start with return on assets. What is Return on Assets (ROA)? ” You’re taking everything you own in the business — any assets like cash, facilities, machinery, equipment, vehicles, inventory, etc. “ROA simply shows how effective your company is at using those assets to generate profit.”

Assets 14

Assets Balance Sheet Cash Flow Banking 14

Harvard Business Review

JUNE 12, 2012

Just like Ireland, Spain had a credit boom financed mostly with external debt, which meant that the balance sheets of their banks are now stuffed with bad debts as asset values collapse. And yet in the run up to the collapse in 2007, the combined asset footprint of the three main Irish banks was around 400 percent of GDP.

Balance Sheet 16

Balance Sheet Real Estate Banking Assets 16

Harvard Business Review

MAY 1, 2012

The mispriced investments and derivatives at Enron look similar to mortgage-backed securities at banks or companies with a disproportionate amount of Level 3 fair-value assets (illiquid assets with highly subjective estimated values). Enron's $35 billion in off-balance sheet debt looks puny compared to the $1.1

Balance Sheet 16

Balance Sheet Assets Banking Accounts 16

Harvard Business Review

MARCH 25, 2013

Insolvency is usually a balance sheet concept based around the valuation of assets. When the value of your assets is less than the value of your liabilities, you are insolvent. Technically almost every country would be insolvent if if was asked to pay all of its debt using its available assets.

Balance Sheet 19

Balance Sheet Banking Assets Government 19

Harvard Business Review

APRIL 28, 2015

The Challenge of Investing in Digital Assets. That fact becomes apparent when you juxtapose the balance sheet of a company like Microsoft with the balance sheet of a company like Siemens. Unlike their industrial peers, managers of asset-light businesses focus little on the balance sheet.

Balance Sheet 14

Balance Sheet Manager Assets Software 14

Harvard Business Review

SEPTEMBER 16, 2016

For example, at the end of its 2015 fiscal year, Apple’s balance sheet stated tangible assets of $290 billion as a contribution to its annual revenues, with approximately $141 billion worth of intangible assets — a combination of intellectual capital, brand equity, and (investor and consumer) goodwill.

Balance Sheet 13

Balance Sheet Assets Insurance Operations 13

Harvard Business Review

AUGUST 5, 2014

LPs pay VCs like asset managers, not investors. This fixed 2% fee structure creates the incentive to accumulate and manage more assets. In fact, many VCs don’t even invest in their fund from their personal assets, instead contributing their investment via their share of the management fees. Well, it depends.

Compensation 22

Compensation Assets Balance Sheet Marketing 22

Harvard Business Review

MAY 4, 2012

That answer to that question leads us to over-lending by core European banks that are now on life support from the ECB while being choc-full-o-crappy-assets. You can push Greece to cut public expenditure down to Neolithic levels and it will not do much at all for Société Générale's balance sheet.

Balance Sheet 15

Balance Sheet Banking Assets Benefits 15

Harvard Business Review

JANUARY 11, 2013

First, get a copy of your prospective employer's balance sheet. Once you get the balance sheet, calculate what accountants call the current ratio. Just take "current assets" (on the Assets side of the balance sheet) and divide it by "current liabilities" (on the Liabilities side).

Balance Sheet 9

Balance Sheet Assets Accounts 9

Harvard Business Review

APRIL 14, 2016

But this new report, by estimating the risk to all financial assets and portfolios, finds a powerful middle ground that should get investor attention. These so-called “stranded assets,” sitting on petro-company balance sheets, are essentially worthless. And thus those companies are massively overvalued.

Assets 14

Assets Balance Sheet Real Estate Energy 14

Harvard Business Review

FEBRUARY 3, 2011

Or in business terms, we're drawing down the assets on the balance sheet of the world. The long-standing, best estimate on the value of ecosystem services has been $33 trillion annually , roughly the same order of magnitude as the global economy. Either we manage these resources well, or we don't survive.

Balance Sheet 18

Balance Sheet Assets Strategic Planning Operations 18

Harvard Business Review

MARCH 4, 2011

Doing this right will allow the CFO to keep the store as an asset on the balance sheet, not a liability — a move shareholders would surely reward. Steven Skinner, is Vice President, Retail Practice, Cognizant Business Consulting.

Balance Sheet 15

Balance Sheet eCommerce Media Assets 15

Harvard Business Review

JULY 11, 2013

The company also had three divisions — Water, International, and Merchant Investment — that were saddled with underperforming and over-valued assets. Enron was rated BBB+ (or the equivalent) by all three rating agencies, which typically include all off balance sheet debt when determining a rating.

Balance Sheet 8

Balance Sheet Assets Cash Flow Energy 8

Harvard Business Review

FEBRUARY 2, 2012

Banks have developed fortress balance sheets, improving credit quality by 54 percent, increasing net income and, restoring aggregate lending to pre-crisis levels of nearly $7 trillion. A lot of investors seem to get this — which helps explain why Vanguard has grown to account for 17% of mutual fund assets in the U.S.,

Balance Sheet 16

Balance Sheet Banking Insurance Compensation 16

Harvard Business Review

JULY 13, 2015

You take your company’s total liabilities (what it owes others) and divide it by equity (this is the company’s book value or its assets minus its liabilities). Both of these numbers come from your company’s balance sheet. So you want to strike a balance that’s appropriate for your industry.

Accounts Payable 15

Accounts Payable Balance Sheet Cash Flow Accounts 15

Harvard Business Review

AUGUST 10, 2011

From falsified mortgage applications and bundles of toxic mortgages, to incorrect credit ratings and balance sheets that couldn't be trusted, the financial crisis is as much about bad data as it is about unfettered greed. Almost everyone readily acknowledges that "data are among our most important assets." to manage quality.

Balance Sheet 15

Balance Sheet Assets Implementation Government 15

Harvard Business Review

MARCH 14, 2012

Children have shifted on the "great balance sheet of life" — from assets in an agrarian society to liabilities in an industrial society — and people are choosing to have fewer. China fell from 5.8 children per woman in 1950 to 2.3 in 1980 (before the start of the One Child policy).

Manager 18

Manager Balance Sheet Recruitment Metrics 18

Harvard Business Review

APRIL 9, 2015

Income statements almost always include an allowance for depreciation of capital assets. That statement records cash generated by a company’s operations and cash spent on those operations; cash spent on capital assets (and cash generated by the sale of capital assets); and cash received from, or paid to, lenders and shareholders.

ROI 15

ROI Cash Flow Revenue Balance Sheet 15

Harvard Business Review

FEBRUARY 26, 2018

This becomes clear when you look at a company’s two most important financial statements: the balance sheet and the income statement. Let’s first look at the balance sheet. Therefore, the balance sheets of physical and digital companies present entirely different pictures.

Balance Sheet 8

Balance Sheet Assets Revenue Accounts 8

Harvard Business Review

SEPTEMBER 14, 2015

The current ratio measures a firm’s ability to pay off its short-term liabilities with its current assets. So your current assets are things that you could convert into cash within the year. It’s one of several liquidity ratios that measure whether you have enough cash to make payroll in the coming year, explains Knight.

Accounts Payable 15

Accounts Payable Assets Balance Sheet Accounts 15

Harvard Business Review

MARCH 14, 2017

First, blockchain could help relieve a large balance-sheet liability that many in the industry are facing. A robust, frictionless partner network could mean many more redemption options outside of the core travel product, thereby creating a much-needed release valve for these growing balance-sheet pressures.

Travel 15

Travel Balance Sheet Banking Revenue 15

Harvard Business Review

MARCH 25, 2013

Insolvency is usually a balance sheet concept based around the valuation of assets. When the value of your assets is less than the value of your liabilities, you are insolvent. Technically almost every country would be insolvent if if was asked to pay all of its debt using its available assets.

Balance Sheet 12

Balance Sheet Banking Assets Government 12

Harvard Business Review

JUNE 14, 2016

Strewn about the table were probably the tools of your trade: reams of data, balance sheets and P&Ls. This currency is only “printed” and stored as assets when we focus on positive things and express gratitude for them. Most frequently, these high-return assets come from our lives outside of the office.

Manager 14

Manager Balance Sheet Assets Banking 14

Harvard Business Review

OCTOBER 11, 2018

Indeed, The Economist proclaimed that data are now “the world’s most valuable asset.” Paradoxically, “data” appear everywhere but on the balance sheet and income statement. ” Some even refer to data as “exhaust” — the antithesis of a valued asset! Start with talent.

Balance Sheet 14

Balance Sheet Assets Scaling Engineering 14

Harvard Business Review

AUGUST 24, 2012

While in everyday language, it is plain enough that poor-quality data are liabilities and high-quality data are assets, they don't appear on the balance sheet. As you're making the case for better quality data in your organization, learn to apply the developing discipline of infonomics.

Balance Sheet 15

Balance Sheet Operations Assets Revenue 15

Harvard Business Review

MARCH 11, 2011

despite hiring some noted academics to mortarboard-wash our conclusions with statistics and citations.

Balance Sheet 16

Balance Sheet Benchmarking Advertising Assets 16

Harvard Business Review

JULY 12, 2017

It breeds indifference, which in turn breeds a yawning gap between underwriters, whose balance sheets absorb risk (the risk takers), and customers, whose enterprises create risks (the risk makers). In these cases, the insurers’ right to subrogate, or go after the assets of others to recoup their losses, is largely unenforceable.

Insurance 15

Insurance Balance Sheet Assets Revenue 15

Harvard Business Review

JUNE 27, 2017

Third-party ownership models, which separate the ownership of an asset from the service it provides, have transformed other industries for the better. We believe that a recent business-model innovation will overcome this barrier and upend commercial lighting and other energy services. number of copies each month). How It Works.

Balance Sheet 13

Balance Sheet Energy Operations Assets 13

Harvard Business Review

JANUARY 9, 2015

The US economy is in cyclical full-steam-ahead mode, but it’s mainly benefitting the owners of financial assets – wage growth is missing. Interest rates of zero meant that central banks took to targeting asset prices – stocks and bonds – to boost spending. We need new policies. This policy is also fairer.

Banking 12

Banking Assets Government Balance Sheet 12

Harvard Business Review

FEBRUARY 11, 2015

Franklin kept a “balance sheet” of both the assets and liabilities of his personal traits. Li Lu, a co-leader of the Tiananmen Square student demonstration and today a highly respected investor, told me once about a practice he followed for years, inspired by Benjamin Franklin.

Balance Sheet 15

Balance Sheet Assets Implementation Manager 15

Harvard Business Review

JUNE 10, 2015

It is natural and appropriate to seek to leverage existing assets and capabilities. Develop an honest capabilities balance sheet, highlighting both strengths and weaknesses, and compare it to your blueprinted business models. Some assets, like a brand, might make sense to use across A and B.

Media 13

Media Advertising Balance Sheet Cash Flow 13

Harvard Business Review

MARCH 31, 2015

bank in assets, JP Morgan Chase , announced that in August, hackers had accessed its security system and that approximately seven million small businesses and 76 million households had been affected by a data breach. In the beginning of October, 2014, the largest U.S.

Balance Sheet 13

Balance Sheet Cash Flow Banking Assets 13

Harvard Business Review

OCTOBER 31, 2017

That strengthened investment banks’ balance sheets by forcing them to scale back and to change the nature of the risks they take. As a result, their balance sheets are half as large on a risk-adjusted basis, and the capital they hold against trading positions has doubled over the past decade, our research shows.

Banking 8

Banking Balance Sheet Assets Compliance 8

Harvard Business Review

NOVEMBER 7, 2013

But by then its one-time core assets — retail stores — had become expensive liabilities, weighing down the company’s effort to compete in the winner-take-all kind of market that is often characteristic of Big Bang innovation. In doing so, they systematically undervalue their own intangible assets.

Balance Sheet 10

Balance Sheet Assets Digital Transformation Operations 10