成人小说亚洲一区二区三区,亚洲国产精品一区二区三区,国产精品成人精品久久久,久久综合一区二区三区,精品无码av一区二区,国产一级a毛一级a看免费视频,欧洲uv免费在线区一二区,亚洲国产欧美中日韩成人综合视频,国产熟女一区二区三区五月婷小说,亚洲一区波多野结衣在线

立即打開
花旗需要深度裁員

花旗需要深度裁員

Stephen Gandel 2012-12-10
上周三,花旗集團新任CEO邁克爾·考伯特宣布裁員11,000人,希望將花旗銀行變成華爾街最高效的銀行。但分析人士認為,投資銀行部門是拖累花旗銀行效益的最大包袱,而這次裁員并沒有真正觸及這些部門。

????要將成本削減到這么低的程度,花旗集團將不得不出售其次級抵押貸款部門,以及自金融危機以來一直在逐漸萎縮的其他業(yè)務(wù)部門。這些部門,即所謂的花期控股公司(Citi Holdings),是拖累集團效益比率的最大包袱,因為其收入僅占總收入的一小部分,卻占用了大量成本。

????然而,花旗集團在上周三公布的重組計劃并未涉及大幅削減其不良資產(chǎn)。針對花旗控股的裁員僅占總裁員數(shù)的5%。

????投資機構(gòu)Tangent Capital Partners高級執(zhí)行董事克里斯托弗·維倫認為,花旗集團還有另外一個選擇——重振次級抵押貸款業(yè)務(wù)。這一領(lǐng)域給銀行帶來的收入高于平均利息收入。而且,該領(lǐng)域競爭并不激烈,但卻有大量需求——數(shù)以百萬計的借款者希望在利率較高時能夠脫身。當然,這樣做同樣充滿了風險,可能會讓謹慎的投資者望而卻步。但與其讓投資者發(fā)現(xiàn),花旗集團與其競爭對手相比更像是一個守財奴,反而不如采取更為大膽的措施。

????看過花旗集團的重組計劃后,對該銀行一直持批評態(tài)度的分析師麥克·梅約向客戶致信:“我們認為,這項舉措只是初期的‘震蕩’,花旗集團需要的是一場‘大地震’,或者更為徹底的重組。”

????花旗集團要想成功,確實應(yīng)該進行大刀闊斧的整頓。只是不清楚考伯特是否明白當前的形勢。

????譯者:劉進龍/汪皓

????To get its costs down that low, Citi would have to finally sell off what remains of its subprime lending division and other business units that have been in wind-down mode since the financial crisis. Those divisions, dubbed Citi Holdings, generate the biggest drag on efficiency because they account for little revenue and a huge amount of costs.

????But the restructuring plan that Citi presented Wednesday does little to pare down Citi's former toxic assets. Just 5% of the cuts will come from Citi Holdings.

????Christopher Whalen, a senior managing director at Tangent Capital Partners, says another option for Citi is to dive back into the subprime mortgage businesses. That's one area where the bank could get higher than average interest income. It's also a business with very little competition and a lot of demand - millions of borrowers still want out of the loans they took when interest rates were much higher. That would be a risky maneuver, and one that could turn off some cautious investors. But it would be a bolder call than just showing that the bank can be more of a tightwad than its nearest competitors.

????After reviewing Citi's restructuring plan, analyst Mike Mayo, a long-time critic of Citi, wrote to clients, "We view this move as an initial 'tremor' and that an 'earthquake' or more radical restructuring is needed."

????It's time to really shake things up, if Citi is going to succeed. It's not clear Corbat gets that yet.

掃描二維碼下載財富APP
亚洲欧美日韩国产综合中文100| 国产欧美精品一区二区色综合| 中文字字幕在线综合亚洲| 国产色欧美日韩免费| 最新亚洲卡一卡二卡三新区| 日韩精品久久无码人妻中文字幕| 欧美中日韩狂热高清视频| 熟妇人妻系列AV无码一区二区| 欧美丝袜秘书在线一区| 午夜亚洲AⅤ无码高潮片苍井空| 国产无套内射久久久国产| 久久久久久国产精品免费无码| 免费观看黄色视频的网址| 国产精品18久久久久久不卡| 日韩高清无码免费精品| 超碰97人人做人人爱国产| 精品无码一区二区三在线观看| japanese日本熟妇另类| 亚洲AV女人18毛片水真多| 蜜色欲多人AV久久无码| 欧美黑人又粗又大久久久| 在线无码免费的毛片视频| 亚洲欧美精品午睡沙发| 国产精品99久久99久久久不卡| 久久精品国产亚洲αv忘忧草| 国产精品色午夜免费观看| 久久亚洲精品无码尤物av | 日韩无码性爱视频| 国产精品香蕉自产拍在线观看| 亚洲性夜色九九九久久久| 日本一卡二卡四卡无卡乱码视频免费| 欧美交A欧美精品喷水| 在线不卡日本v二区三区18| 久久综合日本久久综合88| 亚洲AV成人精品一区二区三区| 极品新婚夜少妇真紧| 免费无遮挡无码永久视频| 爱妺妺国产AV网站,乱精品一区字幕二区| 国产精品久久久久久无码| 免费无码婬片AAAA片直播| 亚洲国产天堂在线观看|