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

JUNE 13, 2012

Business cost structures in low-income markets are daunting: Operational expenses such as distribution frequently dwarf the costs that companies face in developed markets, while customer acquisition and retention often demand unusually intense — and costly — levels of consumer engagement. The result has been explosive growth.

Balance Sheet 17

Balance Sheet Banking Benchmarking Scaling 17

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

FEBRUARY 24, 2011

Gain accounting advantage : Buffett reports on the performance of his operating businesses by grouping them according to similar balance sheet and income statement characteristics. His fluency in the language of accounting gives him clear sight to judge underlying business value. The Oracle ends where he began his letter.

Balance Sheet 15

Balance Sheet Cash Flow Insurance Benchmarking 15

Harvard Business Review

OCTOBER 20, 2016

As a practical matter, for example, these changes in the global policy regime are forcing multinational corporations to scale back and sell parts of their international operations. While international lending, as measured by cross-border banking claims at the Bank for International Settlements, has declined $2.6

Balance Sheet 13

Balance Sheet Banking Operations Strategic Planning 13

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

JUNE 29, 2012

It's not about a bank. Who's who — master and servant, mechanism and operator, principal and agent, sovereign and serf? For example, I've proposed redesigning the economy around the idea of a national balance sheet, which redefines profit and wealth to matter in human terms. This scandal isn't about price-fixing.

Balance Sheet 18

Balance Sheet Government Banking Human Resources 18

Harvard Business Review

APRIL 4, 2016

Banks, Knight says, tend to have low ROAs around 1%. ” Another reason you might see a very high ROA is if a company is messing with its balance sheet, explains Knight. Banks, for example, get as many deposits as they can and then loan them out at a higher return. Well, that depends again on your industry.

Assets 14

Assets Balance Sheet Cash Flow Banking 14

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

JUNE 10, 2011

A number of MFIs announced an agreement to reschedule their loans to Indian banks last week (indicating the severity of the crisis the MFIs rescheduled more than 80% of their outstanding debt). That necessarily means that these MFIs will either default on their debt or debt holders will have to renegotiate and take a significant haircut.

Balance Sheet 15

Balance Sheet Banking Marketing Accounts 15

Harvard Business Review

APRIL 16, 2012

To enhance financial flexibility, companies have been retaining unprecedented amounts of cash on their balance sheets, calling it "strategic" cash to distinguish it from the "operating" cash that is needed to run the business.

Balance Sheet 15

Balance Sheet Insurance Banking Marketing 15

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? Once the plant starts operating, for instance, you might need to spend an additional $2 million on inventory. Excerpted from. HBR TOOLS: Return on Investment. Joe Knight.

ROI 15

ROI Cash Flow Revenue Balance Sheet 15

Harvard Business Review

MARCH 31, 2015

While consumers are rightfully worried that their personal information may be compromised, shareholders and companies’ management have a wider set of concerns, including loss of intellectual property, operational disruption, decreased customer trust, tarnished brand, and loss of investor commitment. The stock price declined 0.3%

Balance Sheet 13

Balance Sheet Cash Flow Banking Assets 13

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

APRIL 14, 2016

These so-called “stranded assets,” sitting on petro-company balance sheets, are essentially worthless. Will that asset be operational or retain its value over the normal depreciation period? Holding global warming to 2-degrees Celsius will require keeping huge quantities of fossil fuels in the ground.

Assets 14

Assets Balance Sheet Real Estate Energy 14

Harvard Business Review

DECEMBER 13, 2012

For example, we judge the recent Libor scandal an abject regulatory failure, even though one bank has paid a half-billion-dollar fine, and others are under investigation. Each must be designed and operated to provide the information required accurately, quickly, and concisely. Can we trust a balance sheet?

Balance Sheet 9

Balance Sheet Banking Operations Marketing 9

Harvard Business Review

APRIL 4, 2014

What we are not seeing, however, are many signs of truly ambitious growth strategies which could result in companies putting newly restored balance sheets to work. companies in the study generally view digital technologies as a way to streamline existing operations and improve customer relationships — not as an engine for growth.

eCommerce 10

eCommerce Balance Sheet Strategic Planning Operations 10

Harvard Business Review

AUGUST 12, 2016

Most of these companies are private and don’t publish their balance sheets. But a new analysis from the German Savings Banks Association shows that, in the last fiscal year, its midsize company clients managed, on average, profit margins of 7.3%. By contrast, the 110 largest German companies had margins of just 6.3%.

Balance Sheet 15

Balance Sheet B2B Recruitment Retention 15

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

FEBRUARY 7, 2018

Today, many companies are exposed to intelligent device risks that could harm both their own operations as well as their customers. Intelligent Device Recovery Plans. Yet few have formally quantified the size of their revenue at risk and potential liability.

Insurance 8

Insurance Balance Sheet Government Scaling 8

Chief Executive

MARCH 14, 2023

The Biden administration made sure SVB’s failure didn’t become a global financial contagion, partly by guaranteeing all deposits in the bank beyond the Federal Deposit Insurance Corporation coverage of $250,000 per account. bank of scale. bank of scale. history last week. Still, from the degradation of the U.S.

Banking 98

Banking Balance Sheet Government Accounts 98

Harvard Business Review

OCTOBER 30, 2017

So is John Rice, the head of global operations, along with CFO Jeffrey Bornstein. Increase operating margins to 18% (by cutting expenses). In June 2017 the board “retired” Immelt and promoted John Flannery to CEO. Since then Flannery has replaced Immelt’s vice chairs responsible for innovation. Comstock is out.

Balance Sheet 8

Balance Sheet Revenue Assets Digital Transformation 8

UVA Darden

NOVEMBER 30, 2023

According to the World Bank, more than 70 carbon pricing initiatives are in play. Including emissions on the balance sheet would lead to them being more accurately tracked and hopefully reduced throughout the supply chain. When we talk about farming, the reality is that 90 percent of farmers are small operations.

Balance Sheet 105

Balance Sheet Transportation Real Estate Energy 105

Harvard Business Review

MARCH 14, 2012

It's co-authored with a couple new colleagues of his at the Bank of England (one a former tax lawyer , the other a physicist ), and scores higher than average on the Haldane wonkiness scale. Which is an interesting thing for the executive director of financial stability at the Bank of England to be doing. writing stuff like this?

Banking 15

Banking Balance Sheet Government Marketing 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

Peter Winick

NOVEMBER 25, 2024

Instead, they operate from a values-driven leadership model rooted in purpose, long-term thinking, and a commitment to societal impact. Rajeev Peshawaria Well, you know, I started out as a banker and after a few years in in mainland banking, I was a currency trader back in the mid-18th century. Rajeev Peshawaria Yeah.

Compliance 233

Compliance Talent Development Education Risk Management 233

Chris LoCutro

NOVEMBER 12, 2024

They've not done a really good job reconciling their bank accounts. I want to make sure that my forecast is operating really well. Balance sheet, we don't, we don't do debt. Yeah, so there are, there's a lot. They're not preparing themselves for taxes. So I want to make sure that everything is accurate.

Assets 59

Assets Revenue Cash Flow Balance Sheet 59