morgan stanley和rbs该如何选择？2年银行工作经验，大学读会计的。到了跳槽了时候了，面试这两家，几轮下来胜算很大，到了抉择的时候了。
morgan stanley传说要和某个依旧牛b的公司merge了，rbs貌似更稳定些。。。。
各位达人怎么看，多谢指点。
Stand alone IBs might be...
...a thing for the past. IBs usually have a leverage of 30 or more, a few folds of that of a conventional commercial bank. This level of leverage will be hard to survive the current market conditions.
MS has a leverage of 20 at this moment, which is probably the lowest for the firm for the past few years. However, they still need to hold merger talks with commercial banks like Wachovia, which has a lower leverage (10) and a much better buffered balance sheet.
Another option that MS is exploring right now is to seek more equity injection from CIC, potentially to a maximum level allowed under a minority holding - 49.9%.
RBS has also been highlighted recently as a potentially risky UK bank. After the ABN acquisition, RBS' balance sheet is still considerably weak. It is also very much exposed to the UK mortgage market, which might suffer from a spill-over if the credit crunch unfold further in the US.
Congrats in nailing the interviews and good luck to you.
MS has a leverage of 20 at this moment, which is probably the lowest for the firm for the past few years. However, they still need to hold merger talks with commercial banks like Wachovia, which has a lower leverage (10) and a much better buffered balance sheet.
Another option that MS is exploring right now is to seek more equity injection from CIC, potentially to a maximum level allowed under a minority holding - 49.9%.
RBS has also been highlighted recently as a potentially risky UK bank. After the ABN acquisition, RBS' balance sheet is still considerably weak. It is also very much exposed to the UK mortgage market, which might suffer from a spill-over if the credit crunch unfold further in the US.
Congrats in nailing the interviews and good luck to you.
Huasing Association 1999 - 2013