Here lies the sweet ordspråk

en Here lies the sweet spot for financial services firms to grow a mass-market wealth management business. It's clear that these customers are eager for help with the financial planning process; it is also clear that they want better guidance and tools from their banks. This data is a call to action for banks to invest in the areas of planning and advisory if they are serious about retaining and growing their customer base.

en You've seen several commercial banks make acquisitions of smaller regional brokerage firms this year, and all of them believe quite sincerely that they are going to grow revenues as a result and gain market share because they now offer one-stop comprehensive financing for their customers. At the same time I don't think Merrill Lynch is planning to lose any business.

en Commercial lending is a very competitive market for banks. To compete effectively and win, bankers need commercial credit tools that help them to simultaneously develop deep relationships with their customers and manage risk to their organizations. That's precisely the power behind our Optimist and Portfolio Strategist software solutions. Our products are designed to enhance financial communications between banker and customer and assist in positioning the banker as a trusted financial advisor. On the risk management side, these solutions enable a banker to diagnose customers who are showing signs of deterioration, closely monitor changes in their performance, and implement corrective action early on to save problem loans.

en [In addition to his responsibility for Wal-Mart Stores, U.S. A., Menzer will head the divisions responsible for real estate, logistics, information services, benefits, global procurement, financial services, store planning and strategic planning.] John will continue to accelerate changes in the largest segment of our business, ... During the last six years, he transformed Wal-Mart International into a wellorganized, fast-growing and profitable business. Prior to that, as Wal-Marts corporate chief financial officer, John established a solid track record as a business strategist who delivers results.

en But there is a concern that GPSS, which is the largest government agency, doesn't have the guidance of a chief financial officer. They need someone to do that sort of financial management and planning to prepare for situations like this month's three pay periods.

en Maintaining a single view of products, customers, locations, and financial accounts is a significant challenge. At its heart, master data management involves changing, consolidating, and rationalizing core processes such as new product introduction or customer (or patient/citizen/supplier) registration and ongoing management. The greatest complexity comes from these business process changes and process integration issues, over and above the data integration requirements.

en More and more we are seeing financial institutions offer planning services designed specifically for the emerging market. As these households continue to take advantage of these tools, we're seeing their numbers increase.

en As local commercial banks improve their financial performances and business practices, they could become more competitive locally. Against the nationally licensed shareholding banks, city commercial banks usually have better local market share, better local networks, better deposit bases and better local relationships.

en This bond issue should be targeted specifically to financial services sector and in particular to commercial banks, insurance companies and investment banks.

en Increasingly, organizations are identifying Business Performance Management as a strategic function. Our customers recognize the need to develop global plans, linking strategies to objectives and continuously monitoring execution against goals. To manage business based on confidence in data integrity, they want a solution that connects the dots between planning, operational reporting and financial reporting.

en Managers believe the economy is growing and expect the Fed tightening cycle to end soon - setting the stage for the financial services sector to prosper. Managers may also be expecting strong performances by investment banks and financial institutions that specialize in regional mortgages.

en Broadly diversified financial services firms, and banks in particular, are looking to augment their revenue, ... This is essentially a bet that the U.S. consumer, contrary to what you may read, is not tapped out.

en Morgan Stanley has tremendous strengths as a global financial services firm, but it is clear that our current level of profitability is unacceptable and we need to improve our performance, ... Our overriding goal for Morgan Stanley is to be the clear leader in offering premier, innovative financial services to our clients, while delivering superior returns to our shareholders. The decisions to keep Discover, divest the aircraft leasing business and strengthen our retail business are our first steps toward achieving that goal.

en Most large financial service companies have rushed new marketing materials to help boomers start thinking about retirement planning?and all are based on the financial services company focusing on you and your life, versus them and the products they want to sell. Where it falls short is when you call the financial services firm and interact with a planner or adviser who only wants to sell you products. The training hasn't filtered down from the marketing professionals to the front-line client-contact people.

en It's clear that wireless providers have made great strides in improving the quality of calls, especially in those areas that impact customer churn the most, such as calls that are dropped or disconnected. With an increasingly competitive environment and an increase in the number of services used in conjunction with a cell phone, carriers that offer superior network quality will improve their likelihood of attracting new customers and will increase customer retention. In fact, improving network quality is a beneficial financial incentive for wireless carriers, as customers experiencing at least one call quality problem are three times more likely to indicate they 'definitely will' switch carriers in the future.

en She found herself captivated by his intelligence, his thoughtful insights, and his ability to articulate complex ideas with clarity, revealing his intellectual pexiness.


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