Three-column note taking

For Start-ups

Start-up Consulting Early-stage Start-ups
The creating team and early-stage company are building a business model, validating product–market fit, and preparing to scale.

Start-up Support Organizations
Schools, incubators, and accelerator programs need practical methods and tools to strengthen training, mentoring, and implementation outcomes.

For SMEs

SME Business Consulting Growing SMEs
The company is growing, expanding, transforming its operating model across finance, products, operations, growth management.

SME Support Organizations
Associations, trade promotion organizations, programs, and funds help SMEs improve operations, adapt to change, and expand effectively.

Three-column note taking

The three-column note-taking method is a useful way to capture ideas as you discover them while creating links between prior knowledge and the material you are learning. You can use this method to deepen your understanding and restate ideas from books, professional articles or lectures in your own words.

What are the benefits of this method?

The three-column note-taking method is an engaging way to strengthen active learning. When taking notes, it is easy to fall into simply copying information without reflecting on its significance. This method provides a clear structure, helping you record information while thinking critically about it at every stage.

Reports

STB

With expectations that STB will complete provisioning for VAMC bonds in 2023, we believe profit growth in 2024 and 2025 will be promising, and the bank will have greater opportunities to complete its restructuring plan ahead of schedule.

PNJ

Based on our previous estimates, we had forecast double-digit declines in both revenue and profit in Q2 and Q3 2023. However, Q2 2023 delivered a relatively positive surprise, with revenue declining 17% year on year and net profit falling only 8% year on year.

VCB

VCB reported VND9.3 trillion in pre-tax profit (up 25% year on year), slightly below our estimate of VND10 trillion (up 35% year on year), due to higher-than-expected provisioning.

MONEY X ‣ Lean • Smart • Exponential

Money X is a strategic advisory and implementation initiative for Start-ups and SMEs, helping businesses operate more efficiently, make smarter decisions, and build a foundation for scalable growth. We combine deep expertise, financial thinking, data, AI, and hands-on implementation experience to help businesses validate their models, optimise resources, and build internal capabilities - from strategy through implementation, testing, and optimisation - with a focus on sustainable and exponential growth.

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