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28 апреля, 15:00

How Companies Say They’re Using Big Data

Laura Schneider for HBR Are companies seeing any value to their investments in “big data”? I’ve been surveying executives of Fortune 1000 companies about their data investments since 2012, and for the first time a near majority – 48.4% — report that their firms are achieving measurable results from their big data investments, with 80.7% of executives characterizing their big data investments as “successful.” Survey respondents included Presidents, Chief Information Officers, Chief Analytics Officers, Chief Marketing Officers, and Chief Data Officers representing 50 industry giants, including American Express, Capital One, Disney, Ford Motors, General Electric, JP Morgan, MetLife, Nielsen, Turner Broadcasting, United Parcel Service, and USAA. The chart below illustrates the range of big data initiatives that are underway at leading corporations, with expense reduction being the most mature, as measured by the number of initiatives that are underway, with nearly one-half of all executives indicating that they have decreased expenses as a direct result of their investments in big data.   However, big data isn’t just being used for cost-cutting. The survey strongly indicates that firms are also undertaking “offensive” efforts that are explicitly intended to change how they do business.  After the initial “quick wins” are wrung from cost-reductions, executives are turning their attention to new ways to innovate using data. In spite of the investment enthusiasm, and ambition to leverage the power of data to transform the enterprise, results vary in terms of success. Organizations still struggle to forge what would be consider a “data-driven” culture. Of the executives who report starting such a project, only 40.2% report having success. Big transformations take time, and while the vast majority of firms aspire to being “data-driven”, a much smaller percentage have realized this ambition. Cultural transformations seldom occur overnight. Related Video The Explainer: Big Data and Analytics What the two terms really mean -- and how to effectively use each. Save Share See More Videos > See More Videos > At this point in the evolution of big data, the challenges for most companies are not related to technology. The biggest impediments to adoption relate to cultural challenges: organizational alignment, resistance or lack of understanding, and change management. Big data is already being used to improve operational efficiency, and the ability to make informed decisions based on the very latest up-to-the-moment information is rapidly becoming the mainstream norm. The next phase will be to use data for new products and other innovations. About half of the executives I surveyed predict major disruption on the horizon, as big data continues to change how businesses operate and compete. Companies that fail to adapt do so at their own competitive and market risk.

22 апреля, 00:37

Trump Signs More Orders Targeting Wall Street Regulations

On Friday, the president called for a formal review of the panel that can deem banks “too big to fail.”

17 апреля, 14:51

Profit from These 5 Sturdy Stocks as Fear Grips Markets

Wall Street's fear gauge is breaking out higher as geopolitical risks heat up after the U.S. opted for 'Mother of All Bombs'.

13 апреля, 18:12

The Corporate Sponsorship Of War

Cross-posted with TomDispatch.com Let’s skip the obvious.  Leave aside, for instance, the way Donald Trump’s decision to launch 59 Tomahawk cruise missiles against a Syrian airbase is but another example of what we already know: that acts of war are now the prerogative, and only the prerogative, of the president (or of military commanders whom Trump has given greater authority to act on their own). Checks, balances? I doubt either of them applies anymore when it comes to war, American-style.  These days, the only checks written are to the Pentagon and “balance” isn’t a concept outside of gymnastics.  Meanwhile, Donald Trump has learned that every wild defeat at home, every swirling palace intrigue that would make a tsar blush, can be... well, trumped by dumping 59 cruise missiles or their equivalent in some distant land to save the “beautiful babies.”  (Forget the babies “his” generals have been killing.)  Launch the missiles, send in the raiders, dispatch the planes, and you’ll get everyone you ever tweet-smashed ― including Hillary, John, Nancy, Marco, and Chuck to applaud you and praise your acts.  They’ll be joined by the official right wing (though not the unofficial one), while the neocons and their pals will hail you as the Churchill of the twenty-first century. Or at least, all of this will be true until ― consult George W. Bush and Barack Obama on this ― it isn’t; until the day after; until, you know, the moment we’ve experienced over and over during the last 15 years of American war-making, the one where it suddenly becomes clear (yet again) that things are going really, really wrong.  The only checks written are to the Pentagon and “balance” isn’t a concept outside of gymnastics. While we wait, here’s a suggestion that came to mind as I read “What Does an ‘America-First’ Foreign Policy Really Mean?” ― the latest thoughts of retired Air Force Lieutenant Colonel William Astore on the military-industrial complex in the age of Trump: Isn’t it time to give the corporate sponsorship of war its just due?  After all, there’s hardly an object, building, museum, stadium, or event in civilian life these days that doesn’t have corporate sponsorship plastered all over it and built into it.  In my hometown, for instance, baseball’s New York Mets play at Citi Field, while football’s Giants and Jets spend their seasons at MetLife Stadium.  Given the role that America’s giant weapons makers play in our wars, and the stunningly successful way they spread their wares around the planet, isn’t it time for the growing war powers of the commander-in-chief to be translated into a militarized version of sponsorship?  Shouldn’t Raytheon, the maker of those 59 cruise missiles that Donald Trump used recently, be given full credit so that media coverage of the event would refer to the Raytheon Syrian Tomahawk Chop? Shouldn’t the next set of drone attacks in Yemen be called the General Atomics MQ-9 Reaper Harvesting?  Shouldn’t any future strikes by the most expensive weapons system on this or any other planet be labeled the Lockheed F-35 Lightning Joint Strike Fighter Storm?  We’re in a new age of corporate enhancement.  Isn’t it time for war to adjust and for the military-industrial complex to get the credit it so richly deserves? -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

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11 апреля, 17:50

The Retirement Choice Causing Some To Run Out Of Money

A new MetLife survey about retirees taking retirement funds as a lump sum or an annuity found the lump sums had disappeared within six years.

10 апреля, 21:16

Американцам предстоит пройти через пенсионный кризис

В течение многих лет Уолл-стрит подпитывает миф "о растущей средней доходности". Тот самый миф, которым насквозь пропитаны пенсионные фонды, тот миф, который привел к ложному чувству будущей финансовой безопасности при пенсионном планировании.

10 апреля, 21:16

Американцам предстоит пройти через пенсионный кризис

В течение многих лет Уолл-стрит подпитывает миф "о растущей средней доходности". Тот самый миф, которым насквозь пропитаны пенсионные фонды, тот миф, который привел к ложному чувству будущей финансовой безопасности при пенсионном планировании.

07 апреля, 14:45

Why Is MetLife (MET) Up 3.8% Since the Last Earnings Report?

MetLife (MET) reported earnings 30 days ago. What's next for the stock? We take a look at earnings estimates for some clues.

06 апреля, 15:18

«Хотим открыть на «Казань Арене» Hard Rock Cafe»

Как зарабатывает новый стадион в ожидании чемпионата мира по футболу

06 апреля, 03:05

50% Of Americans Live Payday-To-Payday; 33% Can't Write A $500 Emergency Check

It's been more than seven years since the 'great recession' officially ended, but while Fed policies have successfully generated massive asset bubbles which have accrued solely to the benefit of America's wealthiest, the majority of American families remain as vulnerable to financial disaster as they were during the height of the crisis. In fact, a recent study found that some 50% of Americans are woefully unprepared for a financial emergency with nearly 1 in 5 (19%) having absolutely no savings set aside to cover an unexpected expense.  Meanwhile, nearly 1 in 3 (31%) Americans couldn't write a $500 check to cover an unexpected household emergency expense if they had to, according to a survey released by HomeServe USA, a home repair service. Moreover, a separate survey released Monday by insurance company MetLife found that 49% of employees are “concerned, anxious or fearful about their current financial well-being” with less than 40% reporting that they're "in control" of their finances.   If you're like us, then perhaps you're confused by how the information above jives with the Fed's assertions that 'everything is awesome' which seems to be reinforced by new daily highs in equity markets.  Of course, the issue is that the overwhelming majority of Americans haven't participated in the Fed's latest asset bubbles and are instead still crippled under the same amount of debt as they had during the recession. In fact, the New York Federal Reserve on Monday predicted that total household debt will reach its previous peak of $12.7 trillion this year with lower mortgage balances being offset by much higher student and auto debt.   For evidence of 'main street' America's struggles with soaring debt balances, one has to look no further than the shocking delinquencies of 2016 vintage subprime auto ABS structures which are underperforming even 2007/2008 vintage securitizations.   And while most have attributed the rising delinquencies solely to deteriorating lending standards and an increasing mix of 'deep subprime' loans, UBS Global Macro Strategist, Matthew Mish, thinks there is a better answer, namely failed Fed policies.  As we've also argued over the years, while the Fed's misguided QE and interest rate policies have done a masterful job of creating asset bubbles around the world they've done precious little to actually stimulate economic/wage growth, in real terms. In our view, the root causes of the rise in delinquency rates can be traced back to US consumer income inequality and aggressive easing in lending conditions, primarily from non-bank lenders. In short, the mosaic we see is one where central bank reflation efforts, namely QE and low interest rate policies, have been more successful at fuelling higher asset prices and wealth creation for a subset of the consumer and less effective in stimulating real income growth (particularly at the median and below). Wealth creation becomes self-reinforcing in an environment of financial repression, with more cash looking for opportunities for deployment. For the financial sector that means more loan growth, and many less regulated, non-bank financial intermediaries have happily filled the void, incentivized by low interest rates that help sustain a lower cost of capital for themselves and lower funding costs for their borrowers.   However, the overall credit quality of borrowers has not kept pace with improvement in the aggregate economy. Our prior Evidence Lab work posits that about 38% of US consumers do not generate positive cash flow and roughly 25-30% of US consumers have not seen improving consumer finances (i.e. they do not own their own home or have significant wealth tied to stock markets). As of Q4'16, 18% of US consumers indicated they were likely to default on one loan payment over the next 12 months vs. 13% in Q3'16. This cohort of at-risk consumers reported being about 4x as likely to embark on a major durable goods purchase (e.g. house, car) in the next year.   This is not just a theoretical issue, but perhaps a problem already. 37% of those aged 21-34 in Q4'16 stated they were likely to default on one loan over the next 12 months, up from 27% in Q3, and outpacing other age brackets. We have only asked this specific question twice before in our Evidence Lab Survey and will be keen if these trends continue in our Q1 survey   And while the subprime auto market, on a standalone basis, may not represent the 'systemic risk' that subprime housing did in 2007, when combined with outstanding subprime balances on student loans and other types of debt it's a $1.3 trillion issue. Is subprime auto lending too small to matter from a financial stability point of view? In isolation, yes. According to TransUnion, subprime auto lending balances outstanding total $179bn, or 16% of all auto loans outstanding. And subprime balances are about 1.2x above balances as of Q3'09. However, our earlier thesis would suggest subprime auto may be too narrow a lens to view the debate. More broadly, the good news is that subprime mortgage debt outstanding totals $567bn, or 7% of all mortgage loans. Subprime balances are about 0.4x 2009 levels. The bad news is subprime student loans balances total $370bn, or 30% of all loans outstanding. And balances are 2.3x 2009 levels. Subprime credit card debt totals $113bn ($88bn bankcard, $25bn private label) – reflecting 12% and 20% of all loan balances, respectively, and about 0.8x 2009 levels. And subprime personal loan balances total $17bn, or 16% of all debt, and 1.1x levels seen in 2009 (Figure 7).   In short, we estimate subprime consumer debt outstanding totals a still significant $1.25tn, comprised primarily of mortgage, student and auto loans.   But, as UBS concludes, the next massive subprime debt unwind won't be that big of a deal because this time around all of the risk has been laid off on taxpayers... Comparatively, however, debt levels outstanding are down from 2009 peak levels near $1.9tn. In addition, loan loss risk is increasingly borne by the government (e.g., student, FHAbacked mortgage loans), not the banks.

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05 апреля, 19:01

Shanghai’s Grade A offices stay stable in Q1

SHANGHAI’S Grade A office market remained stable in the first quarter of this year despite abundant new supply, real estate service provider JLL said in a report released yesterday.

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05 апреля, 13:31

Ample supply in Shanghai’s premium office market

SHANGHAI'S Grade A office market remained generally stable in the first quarter of this year despite abundant new supply with decentralized market continuing to outperform, global real estate services

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30 марта, 00:43

Key Senators Support Trump In Fight Against Too Big To Fail

A group of 10 U.S. Senators, led by Tom Cotton (R-Ark), is calling on Treasury Secretary Steven Mnuchin to drop the government’s appeal in the MetLife SIFI case.

09 марта, 10:31

Which NFL Team Has the Toughest Schedule in 2017?

A favorable schedule can be exactly what a struggling NFL franchise needs to turn things around. These 11 teams will have the toughest 2017 NFL schedule.

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08 марта, 16:57

MetLife: Brighthouse’s dark day

Mismatched accounting explains losses but bad timing is responsible for magnitude

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07 февраля, 23:00

Iconix (ICON) Continues to Underperform: Should You Dump?

Iconix Brand Group, Inc. (ICON) has been grappling with various issues of late. The company currently carries a Zacks Rank #5 (Strong Sell). Going by the Zacks model, companies holding a Zacks Rank #5 generally underperform the broader market in the near term.

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02 февраля, 22:43

MetLife to review hedging strategy after $2.1bn loss

Insurer reports its worst quarterly result in a decade because of derivatives losses

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02 февраля, 22:43

MetLife to review hedging strategy after $2.1bn loss

Insurer reports its worst quarterly result in a decade because of derivatives losses

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02 февраля, 21:06

A Simple Reason to Hold Complicated MetLife

Rising rates are a long-term positive for MetLife despite near-term uncertainty.

16 октября 2012, 11:42

Регуляторы встанут на защиту ипотечных банков США

Ипотечные банки могут оказаться под защитой регуляторов, что позволит им обходить некоторые законодательные акты.Ипотечные кредиторы в США получат больше власти над своими клиентами. По данным источников издания The Wall Street Journal, федеральные регуляторы рассматривают возможность предоставления банкам, занимающимся ипотечным кредитованием, защиты от некоторых законов. Изменения коснутся базового национального ипотечного стандарта, то есть займов клиентов с хорошей кредитной историей. В судах решения по делам о просрочке или невозможности погашения таких кредитов будут рассматриваться в пользу кредиторов. В то же время в случае категории, которая по кредитной истории все еще подходит под определение общих стандартов, но близка к сабпрайм-кредитам, банки получат меньше защиты. Ссылки по теме Власти США нашли "ипотечные грехи" Wells Fargo Рассерженные домовладельцы засудят банки США США ожидает новая волна ипотечных конфискаций Решение об изменении правоприменительной практики на руку ипотечным кредиторам. Ведь с 2008 г. семь крупных американских банков потратили более $76 млрд на судебные разбирательства и затраты, связанные с просрочкой по ипотечным кредитам. Накануне американские банки были обвинены в незаконном обогащении за счет преднамеренного манипулирования LIBOR. Согласно версии истцов банки были заинтересованы в росте ставки LIBOR в определенные периоды, когда проводился перерасчет плавающих ставок по ипотечным кредитам.Причем у истцов имеется весомое доказательство такой деятельности банков: согласно статистическому анализу ставка LIBOR постоянно повышалась именно в первый день каждого месяца в период с 2000 по 2009 гг. Однако более яркая динамика прослеживается в 2007-2009 гг., когда ставка в дни перерасчета подскакивала на 7,5 б. п.Согласно информации издания Financial Times число истцов потенциально может увеличиться до 100 тыс. Среди банков, которым предъявлен иск, UBS AG, Bank of America Corp. и Royal Bank of Scotland Plc.Ранее около 200 тыс. заемщиков обратились с требованием о пересмотре результатов отчуждения недвижимости. Это необходимо для получения компенсации в случае выявления нарушений или халатности в обслуживании ипотечных долгов, а также в процессе обращения взысканий по ним. Фактически банки могут поплатиться за излишне агрессивные действия, которые имели место быть в период между 1 января 2009 и 31 декабря 2010 гг. Среди банков, которые будут вынуждены выплатить компенсации, могут оказаться такие финансовые гиганты, как Bank of America, JP Morgan Chase, Citibank, HSBC, MetLife Bank, PNC Mortgage и Wells Fargo.

15 октября 2012, 17:39

Рассерженные домовладельцы засудят банки США

Американские домовладельцы подали иск против 12 крупнейших банков мира.Процент ипотеки, привязанной к ставке LIBOR Согласно информации издания Financial Times домовладельцы утверждают, что манипуляции со ставкой LIBOR способствовали росту выплат по их ипотечному кредиту, в результате чего они лишились своей собственности, так как не были в состоянии оплачивать растущие счета. Банки были обвинены в незаконном обогащении за счет преднамеренного манипулирования LIBOR. Согласно версии истцов банки были заинтересованы в росте ставки LIBOR в определенные периоды, когда проводился перерасчет плавающих ставок по ипотечным кредитам.Причем у истцов имеется весомое доказательство такой деятельности банков: согласно статистическому анализу ставка LIBOR постоянно повышалась именно в первый день каждого месяца в период с 2000 по 2009 гг. Однако более яркая динамика прослеживается в 2007-2009 гг., когда ставка в дни перерасчета подскакивала на 7,5 базисных пунктов."Каждый из моих клиентов понес ущерб в тысячи долларов", - заявил адвокат истцов. Ссылки по теме Власти США нашли "ипотечные грехи" Wells Fargo JP Morgan может потерять $22,5 млрд США ожидает новая волна ипотечных конфискаций Согласно информации издания Financial Times число истцов потенциально может увеличиться до 100 тыс. Среди банков, которым предъявлен иск, UBS AG, Bank of America Corp. и Royal Bank of Scotland Plc.Ранее около 200 тыс. заемщиков обратились с требованием о пересмотре результатов отчуждения недвижимости. Это необходимо для получения компенсации в случае выявления нарушений или халатности в обслуживании ипотечных долгов, а также в процессе обращения взысканий по ним. Фактически банки могут поплатиться за излишне агрессивные действия, которые имели место быть в период между 1 января 2009 и 31 декабря 2010 гг. Среди банков, которые будут вынуждены выплатить компенсации, могут оказаться такие финансовые гиганты, как Bank of America, JP Morgan Chase, Citibank, HSBC, MetLife Bank, PNC Mortgage и Wells Fargo. В результате банки могут быть вынуждены заплатить по каждому из обращений от $500 до $125 тыс. за совершенные ошибки. Эти ошибки могут включать отчуждение недвижимости у тех заемщиков, у которых не было дефолта по их ипотеке, или отклонение ходатайства об изменения условий кредитования даже при том, что оно должно было быть одобрено в соответствии с указаниями правительства.Также стало известно, что Федеральная резервная система и Управление контролера денежного обращения Министерства финансов США продлили для заемщиков крайний срок подачи заявлений о пересмотре взысканий по ипотеке, который установлен до 30 сентября.