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 15

Balance Sheet Banking Insurance Compensation 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

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. The traditional response to the problem of insufficient demand is government-led infrastructure spending. We need new policies. This policy is also fairer.

Banking 12

Banking Assets Government Balance Sheet 12

Harvard Business Review

MARCH 11, 2011

For example, the level of trust in a society—in government institutions, in the courts, in fellow citizens, all measured separately—has a big impact on prosperity, as does access to opportunity—the perception that good work will be rewarded.

Balance Sheet 16

Balance Sheet Benchmarking Advertising Assets 16

Harvard Business Review

SEPTEMBER 1, 2015

Five years of government expenditure cuts, higher taxes, private-sector retrenchments, and corporate bankruptcies have crushed the country’s people. The new government will have to use much of the latest bailout package to repay existing debts rather than to rebuild the shattered economy.

Banking 12

Banking Balance Sheet Government Assets 12

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

APRIL 10, 2013

In a recent post on HBR.org , I called attention to the fact that we entrepreneurship promoters are too focused on start-up, and need to re-balance the dialog to support scale-up as well. That dialog includes all stakeholders, from the entrepreneurs themselves to investors to government policymakers. have spread like wildfire.

Balance Sheet 10

Balance Sheet Government Scaling Cash Flow 10

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

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

DECEMBER 2, 2013

First, there is a growing realization that the not-for-profit sector has, over the last 50 years, been neither as effective nor as efficient as required by either the communities they serve or the donors (from government, philanthropy, and the private sector) that fund their efforts.

Balance Sheet 9

Balance Sheet Nonprofit Retention Recruitment 9

Harvard Business Review

DECEMBER 6, 2012

These funds were used to fill the balance sheet hole caused by the prior derivative losses. As Woodford began to untangle this web of fraud and corruption, he was blocked by company governance and Japanese business culture — and, like many whistleblowers, felt threatened and friendless.

Balance Sheet 8

Balance Sheet Government Accounts Assets 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. We taught lending officers how to talk to businesses that were afraid that taking debt onto their balance sheets was riskier than maintaining a flat-growth business.

Scaling 12

Scaling Banking Balance Sheet Sales 12

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

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

FEBRUARY 14, 2014

It shifted debt from the private side of the country’s balance sheet to the public side. The result has been that the government has a lot of debt, while households are in better shape than in decades. Indeed, it could even turn positive. Abundant Capital. The Great Recession did what recessions tend to do.

Balance Sheet 8

Balance Sheet Energy Biotech Engineering 8

Harvard Business Review

JULY 9, 2012

If a state's banks are highly levered and filled with rapidly devaluing government debt (as they are in Europe), then the risks borne by the banks becomes risks to the state, and vice versa, as Greece, Ireland, Portugal, and now Spain are learning. This occurred thanks to the flawed design of the Eurosystem. Even if that works.what's next?

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. After a bit of head scratching the Fed decided to try something else — the "twist" — where they bought short-term assets in exchange for long-term securities to try and lower long-term rates. End of story.

Banking 14

Banking Balance Sheet Government Assets 14

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

MARCH 2, 2017

In my view, that is rightly seen as the core of the issue, that banks would make loans and take gambles that, if they paid off, got profits for the owners of the banks and management, but if they failed big-time got bailed out by public deposit insurance or direct government bailouts.

Banking 12

Banking Balance Sheet Compliance Assets 12