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。

嘻嘻 :D

我觉得要看具体工作吧，工作内容， 将来公司对自己的发展，通过面试下来感觉老板和环境是不是适合。rbs现在总体来说比较稳定，也要看具体部门。。 就我见过的人，同样内容年份，ms钱多一些吧。。

...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.

morgan stanley做management report，rbs做英国的report，谢谢

对不起，其是不是很理解IB的finance部门主要做什么呢？

有一些相关的management report和budgeting.

but cost control will be good......haha...can cut your boss first....

at least i will vote agree...haha...

probably will be bank of bull....

in fact, the attack to MS and GS were very fearful. it is not simply about the share price, but the business confidence got hammered by the looming counterparty risk concerns. this is painful, but as TARP get pass (i believe it will, in spit of the rejection last nite), the business flow will be regained. and dun forget that bank holding company status is also another key, from where they can grow their deposits base by either aggresively acquiring small commercial banks or merge partially with big commercial bank.

in fact, i dun think, or no one think that MS and GS need to convert to bank holding company, or merge with anyone. however, due to the over reaction of the market, especially the mis-conception of CDS, these two fine banks need to suffer. afterall, market is in short term driven by sentiments. so whatever can effectively control sentiment will win. this is just so bloody true...

anyway, this can be a big topic. but just wanna say: MS and GS are the top-tier if you wanna be damn good! but u only concern job security, then RBS is fine.