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 17

Balance Sheet Assets Banking Accounts 17

Harvard Business Review

MAY 4, 2012

How it could end, badly, with a bank run through the European bond market or the collapse of confidence around Greece, Spain or Italy, is well understood. 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.

Balance Sheet 16

Balance Sheet Banking Assets Benefits 16

Harvard Business Review

FEBRUARY 2, 2012

A few of the bullet points: • Banks insured by the Federal Deposit Insurance Corporation have $1.5 trillion in capital — the highest capital levels in the history of American banking. • Investment banks used to all be partnerships. The largest U.S. Why you're very welcome, Financial Services Roundtable!

Balance Sheet 16

Balance Sheet Banking Insurance Compensation 16

Harvard Business Review

OCTOBER 31, 2017

Just over 10 years ago, French bank BNP Paribas froze U.S. There was a run on British bank Northern Rock. Over the next year, many banks fell. Investment bank Bear Stearns collapsed. We expect investment banks to embark on an even more fundamental makeover during the next decade. The New Face of Investment Banks.

Banking 8

Banking Balance Sheet Assets Compliance 8

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 14

Balance Sheet Assets Insurance Operations 14

Harvard Business Review

SEPTEMBER 25, 2017

It has been 10 years since the global financial crisis, and the fall-out continues in the industry that was at its epicenter: banking. There has been a truly dramatic retrenchment from foreign markets, making banking a rare case of an industry becoming less, rather than more, global. For some banks, the answer is simply: Yes.

Banking 8

Banking Assets Balance Sheet Marketing 8

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

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

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

SEPTEMBER 14, 2012

Paul Tucker, Deputy Governor of the Bank of England, and the person leading the Financial Stability Board's recovery and resolution work programme, believes that banks have "nowhere to hide" in the post-crisis era and must face navigate stress in the future without relying on Government support. Iceland, Ireland).

Banking 8

Banking Balance Sheet Government Marketing 8

Harvard Business Review

MARCH 14, 2017

Travel loyalty programs tend to be complex and multicurrency, making them different from retailers, which typically run simple discount programs, or from banks, which offer cash back or a single currency that can be spent easily across a range of merchants. Early adopters could benefit considerably.

Travel 15

Travel Balance Sheet Banking Revenue 15

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

APRIL 9, 2015

If a company earns a $500,000 profit in a calendar year, shouldn’t it have $500,000 more in the bank on December 31 than it did on January 1 of that year? Income statements almost always include an allowance for depreciation of capital assets. Excerpted from. HBR TOOLS: Return on Investment. Finance & Accounting Tool.

ROI 15

ROI Cash Flow Revenue Balance Sheet 15

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. or higher, says Knight, though some banks may go as low as 1.05. ” How do you calculate it? Most require that it be 1.1

Accounts Payable 15

Accounts Payable Assets Balance Sheet Accounts 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

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

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. Several banks are suing the company claiming that its negligence cost them tens of millions.

Balance Sheet 13

Balance Sheet Cash Flow Banking Assets 13

Harvard Business Review

SEPTEMBER 1, 2015

When the European Union has finally approved Greece’s €86 billion bailout package, and Greece has used some of the money to repay the European Central Bank, why does uncertainty still dog the country’s future? The government has also agreed to sell at least €50 billion of assets to recapitalize Greek’s banks.

Banking 12

Banking Balance Sheet Government Assets 12

Harvard Business Review

JULY 12, 2017

While the large banks are at the center of this trust vacuum — with a seemingly steady stream of scandals, such as the recent Wells Fargo account rigging debacle — the erosion of trust is bad for everyone. And yet trust in business institutions, and the financial services sector in particular, is at an all-time low.

Insurance 15

Insurance Balance Sheet Assets Revenue 15

Harvard Business Review

JANUARY 24, 2017

For us, growth events mean simply concrete, directly observable achievements that foreshadow future success: for example, new customer contracts, initial export sales, new bank or equity financings, expanded production capacity, or expanded people platforms (e.g. strategic hires). day, scale-focused workshops and related activities.

Scaling 13

Scaling Banking Balance Sheet Sales 13

Harvard Business Review

NOVEMBER 6, 2013

Failure to present a groundbreaking new vision risks leaving in place old economic drivers, especially the over-reliance on fixed-asset investment, that have created serious challenges such as China’s “ghost cities” and high levels of local government debt.

Balance Sheet 8

Balance Sheet Government Revenue Sales 8

Harvard Business Review

OCTOBER 30, 2017

With refrains of “unlock hidden value” and “increase shareholder value,” and powered by over $120 billion in assets , activist investors like Trian look for companies like GE (or Procter & Gamble) whose share price is underperforming relative to its peers (or that have large amounts of cash on their balance sheets).

Balance Sheet 8

Balance Sheet Revenue Assets Digital Transformation 8

Harvard Business Review

JULY 9, 2012

The idea behind the latest maneuver is that recapitalizing European banks will reduce the correlation between the creditworthiness of a state's banking system and the creditworthiness of a State itself. Many countries have taken large equity stakes in their banks. And market participants were initially thrilled.

Balance Sheet 15

Balance Sheet Banking Real Estate Government 15

Harvard Business Review

AUGUST 7, 2012

The Federal Reserve's balance sheet shows that, since 2008, "deposits by depository institutions" (i.e. banks) have ballooned from about $30 billion to around $1.5 Why is all that money sitting at the Fed earning a meager 0.25% nominal interest when those same banks could make a lot more than that by lending it out?

Banking 16

Banking Balance Sheet Government Assets 16

Harvard Business Review

JUNE 16, 2011

Interestingly, intangible assets are all the rage these days on Wall Street. Interestingly, intangible assets are all the rage these days on Wall Street. There is no line on the balance sheet for "ability to innovate" or "skill at managing brand." If you can't measure it, how can you manage it?

Assets 16

Assets Balance Sheet Reorganization Organizational Change 16

Chris LoCutro

NOVEMBER 12, 2024

Acquisitions: Physical and Human Resources (00:31:00) Why understanding your business needs versus wants is crucial when evaluating new hires or assets. In this section, we discuss the decision-making process behind acquiring new assets or hiring key personnel. They've not done a really good job reconciling their bank accounts.

Assets 59

Assets Revenue Cash Flow Balance Sheet 59

Harvard Business Review

MARCH 2, 2017

The rethink took place in the context of a lot of skepticism (at best) about the banking system, the banking business model, and its contribution to American well-being. There also, however, is strong evidence that it is a bad idea to let big banks fail in the midst of a crisis.

Banking 13

Banking Balance Sheet Compliance Assets 13