Financial Institutions, Banking & Market Infrastructure

The first institution, and the one every other is compared against.

• 01

  Bank Margin and Deposit Mix: Work the Number Yourself

  Calculate

The products. What a bank owes on one side and is owed on the other.

• 01

  Loan-to-Value Calculator: The Ratio and the Cushion

  Calculate
• 02

  Bank Funding and Spread: The Margin and the Base It Sits On

  Calculate

The comparison layer. How any financial institution is measured, whatever it does.

• 01

  Cost to Income Calculator: Where Each Line Comes From

  Calculate
• 02

  Co-Lending Economics: What Each Side Earns on Its Share

  Calculate
• 03

  Capital Adequacy Calculator: Capital Over What, Exactly

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The second lender type, and the digital layer that changed it.

• 01

  Loan Book Economics: What One Rupee of Lending Earns

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A different business entirely. Risk pooled and priced, with float as the economic engine.

• 01

  Insurance Ratio Calculator: Where Each Line Comes From

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• 02

  Premium Growth: Which Half of the Line Actually Moved

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The fee business. Assets gathered, managed and administered.

• 01

  Asset Manager Economics: The Fee, the Costs, the Margin

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The access layer. Who takes the order, and where it goes.

• 01

  Brokerage Economics: What One Order Actually Pays For

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• 02

  The Bid-Ask Spread: A Trading Charge With No Invoice

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What happens after the trade. Clearing, novation, settlement and the operational spine.

• 01

  Haircut and Margin: What a Clearing Member Puts Up

  Calculate