Business gurus and fashion stylists advise playing to your strengths. So why do many banks seem to follow the more motherly advice of giving it a go and doing one’s best? They do this in spite of heaps of evidence that banks often destroy shareholder value in businesses where scale or expertise is lacking. In a recent Oliver Wyman analysis of top global banks, about a fifth of revenues from up to 15 business lines made no economic profit at all. Twice as many businesses were “quite accretive”. But by far the best returns (and 40 per cent of revenues) came from just eight to 10 areas.
商业大师和时尚造型师建议人们要扬长避短。可为何有那么多银行似乎在遵循“大胆尝试并尽己所能”这一更具母性的建议？有大量证据显示，银行在缺乏专业知识或一定规模的领域开展业务，往往会损害股东价值，但各银行仍乐此不疲。奥纬咨询(Oliver Wyman)最近对manbetx app苹果 顶级银行的一项分析显示，在多达15条业务线中，大约五分之一的营收是完全没有manbetx20客户端下载 利润的。两倍于此的业务具有“相当大的增值性”。但遥遥领先的最高回报（占总营收40%）仅来自其中的8至10个领域。