Paws and Purses

ALL OF OUR DREAMS CAN COME TRUE IF WE HAVE THE DESIRE TO PURSUE THEM. Walt Disney Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

IT DOESN'T MATTER HOW MANY TIMES YOU HAVE FAILED...WHAT MATTERS IS THE SUCCESSFUL ATTEMPT. Maxwell Maltz Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

WHEN WRITTEN IN CHINESE, THE WORD CRISIS IS COMPOSED OF TWO CHARACTERS. ONE REPRESENTS DANGER, AND THE OTHER REPRESENTS OPPORTUNITY. John F. Kennedy Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

YOU CAN'T BE A WINNER AND BE AFRAID TO LOSE. Charles A. Lynch Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

NEVER GIVE IN, NEVER, NEVER, NEVER - IN NOTHING GREAT OR SMALL, LARGE OR PETTY - NEVER GIVE IN - EXCEPT IN CONVICTIONS OF HONOR AND GOOD SENSE.-Tom Bradley NEVER GIVE IN, NEVER, NEVER, NEVER - IN NOTHING GREAT OR SMALL, LARGE OR PETTY - NEVER GIN IN - EXCEPT IN CONVICTIONS OF HONOR AND GOOD SENSE. Tom Bradley Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

I NEVER SEE FAILURE AS FAILURE, BUT ONLY AS THE GAME I MUST PLAY TO WIN.-Tom Hopkins I NEVER SEE FAILURE AS FAILURE, BUT ONLY AS THE GAME, I MUST PLAY TO WIN. Tom Hopkins Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

MOST PEOPLE GIVE UP JUST WHEN THEY'RE ABOUT TO ACHIEVE SUCCESS. THEY QUIT ON THE ONE-YARD LINE. THEY GIVE UP A THE LAST MINUTE OF THE GAME, ONE FOOT FROM A WINNING TOUCHDOWN. H. Ross Perot Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

MY EXPERIENCE HAS BEEN...THAT IN THE END, WHEN YOU FIGHT FOR A DESPERATE CAUSE AND HAVE GOOD REASONS TO FIGHT, YOU USUALLY WIN. Edward Teller Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

RBC Overtakes TD to Become Canada’s Most Valuable Banking Brand - RBC overtakes TD to become Canada’s most valuable banking brand according to Brand Finance Banking 500 2022 ranking, following 20% growth to US$19.0 billion - Chinese banks make up one third of total brand value in ranking, with ICBC retaining title of world’s most valuable brand at US$75.1 billion - US banks account for 5 of top 10, with Bank of America nation’s most valuable - World’s top 500 banking brands turn tide on brand value contraction for first time in three years, going up by 9% to all-time high of US$1.38 trillion - 30 new entrants this year, with US-based Cadence Bank fastest-growing, up 181% - Indonesia’s BCA reclaims title of world’s strongest banking brand, scoring 94/100 and elite AAA+ rating View the complete Brand Finance Banking 500 2022 report here RBC's 20% brand value increase over the past year to US$19.0 billion has seen it leapfrog TD to become Canada's most valuable banking brand of 2022, according to the latest report by Brand Finance published in The Banker magazine today. The two brands started from a similar level of just under US$16 billion at the beginning of 2021, with TD ahead by US$150 million only. However, RBC has seen double the brand value growth rate compared to TD's 10% uplift over the past year, resulting in the change at the top of the leader table. Valued at US$17.5 billion, TD is now ranked behind RBC for the first time since 2019.  Every year, Brand Finance, a leading brand valuation consultancy, puts 5,000 of the biggest brands to the test and publishes nearly 100 reports, ranking brands across all sectors and countries. For example, the world's top 500 most valuable and robust banking brands are included in the annual Brand Finance Banking 500 ranking. As a result of impressive growth, RBC has moved two spots up the general classification to its all-time highest – 11th rank, just outside the top 10 dominated by banking brands from China and the United States. Overall, Canada contributes nine brands to the Brand Finance Banking 500 ranking, with a combined value of US$73.1 billion – which is more than any other nation outside China and the US. As well, the average value of Canadian banking brands in the ranking stands at US$8.1 billion, compared to US$6.1 in China and only US$4.1 in the US. Charles Scarlett-Smith, Client Director, Brand Finance Canada, commented: “Canadian banking brands are on average more valuable than their peers around the world. To boot, all Canadian banking brands featured in the Brand Finance Banking 500 2022 ranking have seen brand value gains over the past year. This is a fantastic achievement and a testament to Canadian banks’ efforts to invest in and effectively manage their brands in order to differentiate themselves in a market challenged by increasing commoditization.” RBC is also crowned the nation's most valuable brand across all sectors of the Canadian economy, according to the Brand Finance Global 500 2022 ranking of the world's top 500 most valuable and strongest brands drawn from all countries and industries, published last month. Chinese banks dominate the ranking  Chinese banks maintain the lead in the Brand Finance Banking 500 2022 ranking, accounting for one-third of total brand value and worth a cumulative US$454.4 billion. While their global counterparts saw drops in brand value over the past two years, Chinese banks remained primarily impervious to these issues. A significant factor to this success was the nation's timely response to the virus and the early and continued investment into digital development, allowing Chinese banks to continue engaging with their customers with relatively little disruption. Over the past year, China's economy has continued to recover steadily despite a complex and ever-changing domestic and international environment. In the first half of 2021 alone, the nation's GDP increased by 13% year on year. The world's largest bank by total assets, ICBC's brand value has increased by 3% to US$75.1 billion, making it the world's most valuable banking brand again as well as the 8th most valuable brand across all industries in the Brand Finance Global 500 2022 ranking. Over the past year, ICBC has continued to fare well with consumers and expand its portfolio, opening branches in foreign markets such as Mexico, Argentina, and Panama. As a result, ICBC continues to outshine its competitors, holding a healthy brand value lead ahead of China Construction Bank (up 10% to US$65.5 billion)and Agricultural Bank of China (up 17% to US$62.0 billion), which rank 2nd and 3rd, respectively. US banks account for 5 spots in the top 10 US banks account for almost a quarter of the total brand value in the Brand Finance Banking 500 2022 ranking, worth a cumulative brand value of US$313.7 billion. Of these 76 brands, Bank of America (up 12% to US$36.7 billion), Citi (up 7% to US$34.4 billion), Chase (up 5% to US$30.1 billion), Wells Fargo (down 6% to US$30.1 billion), and JP Morgan (up 23% to US$28.9 billion) have held on to their spots in the top 10 of the world's most valuable.  Dropping one spot in the 8th position, Wells Fargo is the only bank in the top 10 with a contracting brand value. However, Wells Fargo continues to be undermined by the account fraud scandal, where it emerged that the bank had forged millions of savings and checking accounts on behalf of its clients without their consent. The scandal continued to bring about financial and legal consequences in 2021. Regional leaders Beyond North America and East Asia, HSBC (12th, up 6% to US$18.0 billion) is the most valuable banking brand in Europe. Singapore's DBS (39th, up 11% to US$8.7 billion) leads the way in Southeast Asia. State Bank of India is number #1 in South Asia (43rd, up 29% to US$7.5 billion). QNB (45th, up 16% to US$7.1 billion) has consolidated its position as the most valuable banking brand in the Middle East. Itaú (51st, up 30% to US$6.6 billion) dominates in Latin America. Finally, Standard Bank (145th, up 26% to US$1.6 billion) has claimed the title of the most valuable banking brand in Africa. Brand value of world’s largest banks grows for the first time in three years Looking at the Brand Finance Banking 500 ranking from a global perspective, the world's top 500 banking brands have turned the tide on brand value contraction for the first time in three years, observing a 9% year-on-year brand value growth to reach an all-time high of US$1.38 trillion. The brand value of the world's largest banks shrunk by 2% by the beginning of 2020 (US$1.33 trillion) and a further 4% by 2021 (US$1.27 trillion). Initially caused by economic uncertainty and interest rate movements, the pandemic exacerbated the situation, which hit profit and interest rates. However, as nations continued to adapt to COVID-19 and economies rebounded over the last year, loan loss provisions were much less significant than initially forecasted by industry experts. Furthermore, improved digitalization by banking brands, coupled with strong government intervention and economic recovery worldwide, resulted in a higher than expected industry profitability in 2021. While this year's overall brand value growth is undoubtedly a positive sign for the industry, it signifies a meagre 2% increase from US$1.36 trillion, which was the combined pre-pandemic brand value of the world's top 500 banking brands in 2019. Particularly in Europe, banks are still feeling the effects of COVID-19 because weak profits are suffering from cost inefficiency and insufficient investments in digital technology. David Haigh, Chairman & CEO of Brand Finance, commented: “As banks continue to battle the fallout from the COVID-19 pandemic, the importance of a solid brand is more significant than ever. Banking products are becoming more commoditized, and banks will need to continue differentiating themselves from other competitors in the market, through the use of their brand, particularly in the face of an emerging threat from challenger brands and decentralized finance in the future.” “Many of the world’s largest banking brands have come through the worst of the pandemic stronger – a testament to the role they have played in supporting the real economy through the past 12 months,” said Joy Macknight, editor of The Banker. “Banks’ digital transformation efforts over recent years meant they were able to respond faster to client needs, as well as deliver new products and services, which has boosted banks’ reputations in the eyes of their retail and corporate customers." Cadence Bank grows fastest 30 newcomers have joined the Brand Finance Banking 500 2022 ranking this year, with Cadence Bank as the fastest-growing brand of 2022, following an eyewatering brand value increase of 181% to US$403 million. The US-based bank has recently entered into a merger agreement with BancorpSouth Bank, which held a brand value of US$266 million in the 2021 iteration of the Brand Finance Banking 500 ranking. As part of the agreement, BancorpSouth has rebranded to Cadence Bank. The merger aims to provide more customer and relationship-focused financial services to Cadence Bank's extensive customer base across the southern US. Indonesia’s BCA as sector’s strongest Apart from calculating brand value, Brand Finance also determines the relative strength of brands through a balanced scorecard of metrics evaluating marketing investment, stakeholder equity, and business performance. Certified by ISO 20671, Brand Finance's assessment of stakeholder equity incorporates original market research data from over 100,000 respondents in more than 35 countries and across nearly 30 sectors. According to these criteria, Indonesia's BCA is the most substantial bank in the Brand Finance Banking 500 2022 ranking, following a +2.5 point increase to reach a Brand Strength Index (BSI) score of 94.0 out of 100 and an elite AAA+ brand strength rating. As one of the biggest banks in the ASEAN region and Indonesia's largest lender by market value, BCA has performed strongly across key metrics, particularly those about customer satisfaction. In Brand Finance's original market research, BCA outperformed its peers for reputation and quality and scored highly for value for money. View the complete Brand Finance Banking 500 2022 report here Read the full article

DETERMINATION IS ONE OF THE MOST IMPORTANT PREREQUISITES FOR VIRTUALLY ANY ENDEAVOR ONE WISHES TO UNDERTAKE. Vincent G. Marotta Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

THE ROAD TO SUCCESS BECOMES LONELY BECAUSE MOST ARE NOT WILLING TO FACE AND CONQUER THE HARDSHIPS THAT LURK ON THAT ROAD. THE ABILITY TO TAKE THAT EXTRA STEP WHEN YOU ARE TIRED IS THE QUALITY THAT SEPARATES THE WINNERS FROM THE ALSO-RANS. Edward Le Baron, Jr. Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

FAILURES ARE EXPECTED BY LOSERS, INGONORED BY WINNERS. Joe Gibbs Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

THE RUNG OF A LADDER WAS NEVER MEANT TO REST UPON, BUT ONLY TO HOLD A MAN'S FOOT LONG ENOUGH TO ENABLE HIM TO PUT THE OTHER SOMEWHAT HIGHER. T.H. Huxley Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

WHEN YOU GET RIGHT DOWN TO THE ROOT OF THE MEANING OF THE WORD " SUCCEED," YOU FIND THAT IT SIMPLY MEANS TO FOLLOW THROUGH. F.W. Nicol Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

IF YOU MAKE THE UNCONDITIONAL COMMITMENT TO REACH YOUR MOST IMPORTANT GOALS, IF THE STRENGTH OF YOUR DECISION IS SUFFICIENT, YOU WILL FIND THE WAY AND THE POWER TO ACHEIVE YOUR GOALS. Bob Conklin Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

NO ONE KNOW WHAT HE CAN DO 'TIL HE TRIES. Publibius Syrus Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article

THE ACHEVEMENT OF YOUR GOAL IS ASSURED THE MOMENT YOU COMMIT YOURSELF TO IT. Mack R. Douglas Thank you for supporting this blog by checking out my shop and for following me on Spotify or where ever you listen to your favourite podcasts. Read the full article