Using the ADR playbook

For businesses around the world, quarter ends are usually a busy season. Sales teams are rushing to pump orders, marketing departments are trying to maximise reach their performance benchmarks and accountants are working to keep the books in order. It’s the adult version of pulling all-nighters to salvage exams after a semester of procrastination. In financial institutions, this comes with a slightly different flair as some of the key performance indicators relate to the sale of not actual products but the line items on balance sheets. Consequently, there’s an opportunity to pump up numbers relatively easily, as long as you have liquidity from a few sources. A lot like when you are applying for a student visa and get that rich relative to deposit the required sum in the account as proof of income.