McKinsey Quarterly is the business journal of McKinsey & Company.
JUNE 2009
Current bank oversight failed to prevent the financial crisis. Let’s not prescribe more of the same.
Two different kinds of accounting—fair value and hold to maturity—have created two different kinds of crises. One is almost over. The other is only beginning.
FEBRUARY 2009
Here’s a plan that could solve the toxic-asset pricing problem voluntarily—without requiring Uncle Sam to nationalize the whole industry—and make (pretty much) everyone a winner.
APRIL 2009
These funds face a credit-constrained world; they must adapt to thrive.
DECEMBER 2008
The region has been hit hard but can help the world recover. Meanwhile, the global crisis is likely to spur further integration among Asian markets.
AUGUST 2008
Middle-market customers do tend to resist the hassle of forming new banking relationships. But banks that offer them the right products at the right time can change their minds.
Even steps that require customization and expert judgement can be streamlined effectively.
JUNE 2008
Chinese financial institutions are flush with money at an opportune moment. They should resist the urge to build empires and instead focus on advancing their skills and global experience.
FEBRUARY 2008
Opportunities to invest in public infrastructure will increase during the next few years, but so will competition for deals.
DECEMBER 2007
Four rising players will continue to grow in wealth and importance, even if interest rates rise and oil prices drop.
NOVEMBER 2007
Collections departments should use advanced approaches for each segment of debtors.
AUGUST 2007
Banks have spent huge sums refurbishing their branches, often without a clear payback. They should devote more effort to managing customer visits.
MAY 2009
As consumers face more choice, complexity, and financial exposure for their health care in an increasingly uncertain world, what they are really seeking is peace of mind.
NOVEMBER 2008
At present, most health care payers convert less than 10 percent of the customers who move to a new product class. There’s substantial room for improvement.
Consumers are confused, concerned, and uncertain about their health insurance and financing needs. Companies should listen to them.
MARCH 2007
More and more, payers are dealing with individual consumers, not companies. They will have to change their products, their mind-sets, and their competencies.
Om Prakash Bhatt discusses the transformation of one of India’s oldest banks and reveals how he managed to bring the company’s 200,000 employees on board.
MARCH 2009
Jiang Jianqing discusses the need for balance within an effective governance model and the ways the financial-services industry will change in China in the wake of the global economic crisis.
The author of The Black Swan explains why the rarity and unpredictability of certain events does not make them unimportant.
JULY 2007
McKinsey research shows that the IT investments of banks are most fruitful when they match technology strategy with business strategy, implement systems in a disciplined way, and balance value creation with increased IT capabilities.
Information technology is so crucial for the success of India’s top private bank that K. V. Kamath says he oversees it himself.
MARCH 2008
This small but lively banking market encompasses the region’s largest generation gap in attitudes toward banking.
Treasuries in the developed world have a philosophy very different from the one guiding their counterparts in developing markets, but the two models may be converging.
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