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. But the for-profit mutual fund industry benefits by offering high-volatility funds.". . • The largest U.S.

Balance Sheet 16

Balance Sheet Banking Insurance Compensation 16

Harvard Business Review

APRIL 9, 2015

But before anyone writes a check, you need to calculate the return on investment (ROI) by comparing the expected benefits with the costs. Income statements almost always include an allowance for depreciation of capital assets. Cash transactions, meanwhile, show up on the cash flow statement.

ROI 15

ROI Cash Flow Revenue Balance Sheet 15

Harvard Business Review

MARCH 14, 2017

The Benefits of Disruption. Early adopters could benefit considerably. First, blockchain could help relieve a large balance-sheet liability that many in the industry are facing. Customer data, a loyalty program’s most valuable asset, could become available to other network participants, even competitors.

Travel 15

Travel Balance Sheet Banking Revenue 15

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. There is lots of activity but little sustained benefit. Except for very few, this hasn’t happened. Insight Center.

Balance Sheet 14

Balance Sheet Assets Scaling Engineering 14

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 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. This approach fully aligns the benefits and risks of the upgrade with the roles and preferences of each party. For example, your company probably doesn’t own its copy machines.

Balance Sheet 13

Balance Sheet Energy Operations Assets 13

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

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

MARCH 30, 2017

For example, Costco has long been recognized as a “high road” employer that pays above market wages , offers good benefits, and provides workers opportunities for advancement. Of course, this is just one example, and there are a number of reasons why these firms’ performance varied during this period.

Marketing 12

Marketing Balance Sheet Compensation Benefits 12

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. The third is the tax system.

Balance Sheet 8

Balance Sheet Government Revenue Sales 8

Harvard Business Review

JANUARY 24, 2017

We believe that it is not the age of the asset that is important, but rather, the value infused into that asset that drives scale. People also need to learn how communicating about their own and others’ growth in fact benefits them. We taught journalists how to interview entrepreneurs and elicit their stories of growth.

Scaling 13

Scaling Banking Balance Sheet Sales 13

Harvard Business Review

JULY 14, 2017

M is Mass, in this case all the things, people, and assets of your ecosystem. In a traditional business, there is little connectivity or co-creation, so the enterprise value is equal to the “mass” of the company — its human resources, financial assets, intellectual property, and physical goods. Intellectual capital.

Assets 8

Assets Software Balance Sheet Human Resources 8

Harvard Business Review

NOVEMBER 25, 2013

It’s the CMO’s job to make sure that metrics reflecting the health and value of the customer base –net present value, lifetime value, return on loyalty, cost per acquisition – get on the balance sheet. As a long-term asset of significant value, the brand should be part of those calculations. Ask for the CFO’s help.

Benchmarking 9

Benchmarking Metrics Advertising ROI 9

Harvard Business Review

JULY 17, 2015

There may have been another business that they could have started, utilizing the company’s assets (real estate, technology, staff, etc.) and creating a different brand — or they could have shut down the company and sold off their assets sooner when they would have been more valuable.

Balance Sheet 15

Balance Sheet Real Estate Assets Marketing 15

Chief Executive

SEPTEMBER 30, 2022

Fueled by near-zero interest rates and federal stimulus money, public companies amassed a war chest of cheap capital to chase risky assets, strategies and yield. Despite stiff economic headwinds, robust M&A opportunities are there for the taking, with many companies enjoying steady cash flows and strong balance sheets. “In

Balance Sheet 52

Balance Sheet Cash Flow Software Marketing 52

Harvard Business Review

APRIL 14, 2015

The beauty of M&A for examining valuation trends is that M&As reveal the dollar valuations of all assets at the time of the acquisition. Upon acquiring a business, companies have to value the different assets they acquired for their accounts and balance sheet in accordance with accounting and reporting standards.

Balance Sheet 15

Balance Sheet Assets Marketing Accounts 15

Harvard Business Review

MARCH 2, 2017

Stress tests are a specific form of simulation developed by the Federal Reserve and other central banks to allow them to figure out how badly a given financial institution’s portfolio would hold up if there was a broad sell-off across a bunch of asset classes, or a specific kind of shock like what we suffered in 2008.

Banking 13

Banking Balance Sheet Compliance Assets 13