N2Growth Blog

NOVEMBER 10, 2010

Bold and bombastic does not, in my opinion, mean leadership – we have so many of these aggressive people in power today and all they do is yak, yak, yak and fill their bank accounts. I am always so refreshed by the centrality of ethics, doing the right thing, and people as capital – in your work! Great insights Susan.

Blog 387

Blog Learning-by-Doing CEO Strategy 387

Strategy Driven

APRIL 14, 2019

Unfortunately, many criminal or ethically questionable actions are taken in the name of money every single day, and in today’s increasingly litigious world this often leads to a trip to court. Having a network that includes a banking expert , or knowing of a reputable one, could be important on short notice.

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Banking Finance Ethics Reputation 50

Lead Change Blog

MARCH 12, 2015

Medical doctors are considered one of the most respected professions, yet the incidence of violations of ethics, misconduct and more appear to be higher than what one would expect from a profession that goes by the Hippocratic Oath to do no harm. Community Involvement book Book Excerpt ethics Leadership' Medical Doctors. Corporations.

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Crisis Books Ethics Incubator 150

Women on Business

NOVEMBER 22, 2010

Now 45, Heather Aguilera—who was an IT Project Manager “earning six figures” at a major Canadian bank before she left to become a SAHM—was eventually reduced to thinking she “would have to work in a donut shop.”

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Press Release Discount Entrepreneur PR 157

Women on Business

JANUARY 19, 2011

When you look at your bank balance and the bills each month, how do you react? Whether this developed from watching my father build his business, or just plain denial of my bank balance, I cannot say for sure. Do you feel a sense of anxiety rising up from your stomach to your throat, or a heavy, weighted pressure in your chest?

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Press Release Learning-by-Doing Discount PR 162

Talent Anarchy 1

SEPTEMBER 7, 2023

Document Submission: Depending on your application, you may be asked to submit additional documents, such as pay stubs or bank statements, to verify your income and financial stability. Funds Disbursement: Once approved, your loan funds will be disbursed directly into your bank account.

Credit Scoring 78

Credit Scoring Short-term Long-term Compliance 78

Strategy Driven

MAY 4, 2020

Financing the venture from your personal savings is an option, but won’t be open to many. The other option, of course, is to look at traditional bank lenders. The team ethic truly counts for everything. Together, your dream team will build the foundations of success. Financial Backers. On-Site Staff. Many hands make light work.

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Outsourcing ROI Entrepreneur Banking 66

Strategy Driven

FEBRUARY 4, 2011

How much further should we extend ethics? Sadly, many of the perpetrators did not see lapses in ethics… it was legal and just business to them. By maintaining an awareness of further changing environments, there are further opportunities to be successful, ethical and move ahead of the competition.

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Ethics Cost Crisis Learning-by-Doing 58

Strategy Driven

NOVEMBER 6, 2015

Strategic Plan includes provisions for refinancing, equity and debt financing. Banking and investing plan is annually updated, with realistic, measurable goals. Finance charges are negotiated. The organization maintains and lives by an ethics statement. Payables plan is annually updated, with realistic, measurable goals.

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Succession Strategic Planning Budgeting Goal 50

Strategy Driven

MARCH 21, 2019

Financing the venture from your personal savings is an option, but won’t be open to many. The other option, of course, is to look at traditional bank lenders. The team ethic truly counts for everything. Together, your dream team will build the foundations of success. Financial Backers. On-Site Staff. Many hands make light work.

Outsourcing 51

Outsourcing ROI Entrepreneur Banking 51

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!

Finance 16

Finance Motivation White Paper Banking 16

Chartered Management Institute

JUNE 5, 2024

Matt agrees: “The Bank of England looked at cognitive diversity in the aftermath of the last crash and worked out it didn’t have a diverse enough range of views. Yet neither held him back: he has gone on to have a high-flying career in international finance. But it’s not just about bottom lines or profits. Enjoyed this article?

Management 52

Management Diversity Groupthink Article 52

Strategy Driven

OCTOBER 29, 2010

This book will explore how our institutional leaders can make claim once again to ethical, fair, and purposeful practices that underscore the value of human beings as the linchpins of our society. For example, Discover Bank held monthly meetings of all staff by location and shift. New hires must reflect the company’s core beliefs.

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Leadership Newsletter Learning-by-Doing Belief Systems 50

Strategy Driven

MARCH 2, 2012

For project purchases, such as printing, graphic production, video production and materials creation, consultants customarily mark up slightly, to cover bank financing and handling costs. Pro-bono community involvement is a factor because it indicates character, ethics and integrity. What is their longevity?

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Consultative Short-term Budgeting Strategic Planning 59

Harvard Business Review

MAY 1, 2012

Fastow suggested that to avoid falling into an ethical trap he should have asked himself the right questions: Am I only following the rules or am I following the principles? Banks are now engaging in "capital relief" deals that inflate regulatory capital in advance of the new Basel standards.

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Chief Financial Officer Finance Banking Class 17

Harvard Business Review

OCTOBER 6, 2016

The bank has since fired 5,300 employees for the illegal behavior and eliminated retail bank sales goals entirely. As a result of this fraud, the bank is now being investigated by Federal prosecutors and Congressional overseers. Senior leaders were so focused on financial impact that they couldn’t see the ethical damage.

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Banking Leadership Committee Ethics 15

Harvard Business Review

JANUARY 10, 2013

This escalation illustrates a significant change: highly expensive scandals across business sectors , not just in single companies, and this is reflected in the January 7th agreement by major banks to pay $8.5 Other banks are considering whether to join the agreement (e.g. billion due to derelict mortgage and foreclosure processes.

Finance 11

Finance Banking Press Release Pharmaceuticals 11

Harvard Business Review

OCTOBER 3, 2013

Many other major financial institutions — Bank of America , Citigroup, HSBC, Barclay’s, Wells Fargo, UBS, etc. But, at the end of the day, it is bank leaders and employees who must take the right business, legal and ethical actions under existing law. JP Morgan is the biggest of them all with $2.3

Banking 8

Banking Management Ethics Letter 8

Harvard Business Review

JULY 17, 2017

When I ask students graduating from Harvard Business School what they’re doing next, I often get some version of “I’m going into finance but…” Then they quickly explain that finance is just a way station on the route to nobler goals. How will the crisis of problematic loans in Italian banks be resolved?

Finance 9

Finance Insurance Career Reputation 9

Harvard Business Review

OCTOBER 24, 2014

Dudley, the president of the Federal Reserve Bank of New York, gave a speech Monday in which he used the word “culture” 45 times. I’m hoping they mark the beginning of a change in how regulators think about reining in law-breaking and excessive risk-taking at banks. The bank also went after the bonuses of the individuals involved.

Banking 13

Banking Ethics Long-term Hedge 13

Harvard Business Review

SEPTEMBER 26, 2014

Bank regulators in particular have been depicted as captives for years, and have even taken to describing themselves as such. Still, there is some context that’s inevitably missing, and as a former banking-regulation reporter for the American Banker , I feel called to fill some of it in.

Banking 12

Banking Conflict of Interest Hedge Policies 12

Harvard Business Review

MARCH 22, 2018

Over the last decade, industries, academics, and the public sector have turned their focus toward culture and ethics in response to the financial crisis as well as misconduct at a broad range of corporations. But what role does culture play in corporate misconduct, and why do these problematic cultures persist?

Company 16

Company Banking Incentives Human Capital 16

Harvard Business Review

JUNE 13, 2012

a survey indicated that fewer than 60% of the Secret Service personnel said they would report ethical misconduct. Critics have pointed out that the risk committee of JP Morgan's board consists of three directors with no significant banking or risk experience. Maine Senator Susan Collins countered by pointing out that (1.)

Management 16

Management Banking Committee Risk Management 16

Harvard Business Review

JUNE 3, 2011

To mainstream economists the Glass-Steagall Act that separated the banking and securities industries looked like a competition-restricting, innovation-damping anachronism. Wilmers, also known as his annual messages to the shareholders of Buffalo-based M&T Bank Corp. where he is CEO.

Banking 17

Banking Crisis Letter Hedge 17

Harvard Business Review

NOVEMBER 27, 2015

Businesses are more profitable and productive when they act ethically, treat their staff well, and communicate better with their customers, according to the latest Lady Geek Global Empathy Index. Ironically, the most empathic FTSE companies are a bank and a tobacco firm. Royal Bank of Scotland/NatWest. Deutsche Bank.

Tourism 8

Tourism Telecommunications Automotive Company 8

Harvard Business Review

JUNE 29, 2012

It's not about a bank. Now, let me couch this for you in the human terms of political economy — the terms in which you and I should rightly conceive of an "economy" as the sum of the enduring human good; not merely as a set of pipes for the grease of finance to be injected into. This scandal isn't about price-fixing.

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Price Short-term Proposal System 17

Harvard Business Review

FEBRUARY 14, 2023

Two bank employees debate whether to blow the whistle on their employer after they discover undisclosed conflicts of interest.

Conflict of Interest 16

Conflict of Interest Banking Finance Ethics 16

Harvard Business Review

MARCH 15, 2012

But it isn't true that the entire finance and investment industry is guilty of the cultural lapse that Smith is describing. If Vanguard ever decided to become an investment bank—and could somehow preserve its culture in that industry's climate—it could take a lot of business from Goldman Sachs.

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Reference Bond Banking Finance 17

Harvard Business Review

SEPTEMBER 26, 2014

And getting past the usual employee complaints about the financial sector (long hours, for one), he offers several often-hidden occupational hazards for the stellar university graduates who think they can make it in the industry while also holding on to ethics and personal responsibility.

Management 12

Management Risk Management Finance Real Estate 12

Harvard Business Review

JULY 22, 2013

The involvement of banks such as Goldman and J.P. Markets that existed mainly for the convenience of industry have become dominated by exchange-traded funds, hedge funds, and investment banks. Ethics Finance Global business' cent per aluminum can. The article is less clear about what brought this on.

Cost 9

Cost Hedge Fraser Price 9

Harvard Business Review

OCTOBER 11, 2013

banks can use in their business. According to a 1992 study by the Government Accountability Office, the average leverage ratio for the top 13 investment banks was 27-to-1 during 1991 (up from 18-to-1 in 1990). drop in asset prices would wipe out the equity of the bank. Ethics Finance Risk management'

Incentives 8

Incentives Banking Ethics IPO 8

Harvard Business Review

NOVEMBER 4, 2014

For many companies, most of the capital expenditures are financed from internal cash flows and bank financing. And rather than focusing only on ethics, the argument should focus on reducing risk to those companies themselves by pursuing a climate-secure global energy system. Finance Sustainability'

Finance 8

Finance Cost of Capital Constraint Price 8

Harvard Business Review

NOVEMBER 4, 2014

For many companies, most of the capital expenditures are financed from internal cash flows and bank financing. And rather than focusing only on ethics, the argument should focus on reducing risk to those companies themselves by pursuing a climate-secure global energy system. Finance Sustainability'

Finance 8

Finance Cost of Capital Constraint Price 8

Harvard Business Review

MARCH 24, 2011

They paid their executives accordingly, as did the banks, brokerage houses, hedge funds, and private-equity outfits whose share of U.S Was it only ten years ago that the profits of the top 10 U.S. pharma companies equaled the total for the other 490 in the Fortune 500? corporate profits was heading toward something north of 40%.

McKinsey 16

McKinsey Consultative Waterman Intellectual Capital 16

Harvard Business Review

DECEMBER 6, 2017

It has already been demonstrated that facial image scans can be used to guess a person’s sexual orientation using algorithms that deliver a remarkable level of accuracy (while raising obvious ethical and privacy questions, too).

Crisis 13

Crisis Insurance Technology Credit Scoring 13

Harvard Business Review

OCTOBER 10, 2017

Three finance professors once asked more than 400 executives what they would do if their quarterly earnings targets were at risk. In an experiment, we approached the call center of a bank’s consumer loans business. (We’ve This is also true of executives. Building Balanced Cultures.

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Organization Tactics Call Center Metrics 16

Harvard Business Review

MAY 15, 2015

I call the first couple of years in one’s career the Aspiration Phase, in which it’s all about exercising one’s intellectual and interpersonal energies, and bringing enthusiasm, work ethic, and energy to an organization. Smart men and women in finance and corporate law always grow rich, or at least well-to-do.

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Career Follow-up Advice Learning-by-Doing 8