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4 Key Financial Ratios for Banks i.e. fundamental analysis for banking stocks are as follows 1. Financial Leverage or Equity Multiplier 2. Return on Assets 3. Return on Equity 4. NIM or Net Interest Margin These are profitability ratios or risk ratios. With the help of these 4 Financial Ratios for Banks, you can decide which banking stocks are fundamentally strong or weak. 1. Financial Leverage or Equity Multiplier: This ratio is calculated by dividing total capital or asset to net worth of the bank. The maximum value is 15. If this value exceeds 15 then it implies that bank is taking a high risk by accepting more deposits. 2. Return on Assets: It is the profitability ratio arrived by dividing Net Profit / Total Assets. The idea value is 1% or more than that. 3. Return on Equity: Net Profit divided by Net Worth is Return on Equity. The idea value is 15% or more. You can also calculate by multiplying Equity Multiplier and Return on Assets 4. NIM or Net Interest Margin: This is a very important financial ratio. You can calculate by (Interest Earned - Interest Expended) divided by Total Assets. The max value is 3% i.e. higher NIM means the bank is disbursing more loans to improve NIM and it reduces the return on assets. It is not considered a good sign. If you liked this video, You can "Subscribe" to my YouTube Channel. The link is as follows https://goo.gl/nsh0Oh By subscribing, You can daily watch a new Educational and Informative video in your own Hindi language. For more such interesting and informative content, join me at: Website: http://www.nitinbhatia.in/ T: http://twitter.com/nitinbhatia121 G+: https://plus.google.com/+NitinBhatia #NitinBhatia
Views: 21378 Nitin Bhatia

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This video helps you to learn Calculation of Financial Ratios with the help of practical example
Views: 663526 Ns Toor

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Ratio Analysis is a form of Financial Statement Analysis that is used to obtain a quick indication of a firm's financial performance in several key areas. The ratios are categorized as Short-term Solvency Ratios, Debt Management Ratios, Asset Management Ratios, Profitability Ratios, and Market Value Ratios. For Previous Year Ques of JAIIB/CAIIB, Mock Tests Full Course Videos in Hindi Visit https://iibf.info Also Explained through this Video: 1) Assets 2) Liabilities 3)Fixed Assets, Current Assets, Intangible Assets, Current Assets, Quick Assets 4) Current Ratio 5) Quick Ratio or Acid Test Ratio or Liquidity Ratio 6) Debtor Turnover Ratio 7) Debtor Velocity 8) Stock Turnover Ratio 9) Debt Equity Ratio 10) Net worth 11)Tangible Net worth and Intangible
Views: 23365 Learning sessions

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Views: 79237 BANKING SUTRA

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In this video on Credit Analysis, we look at Credit Analysis from Beginner’s point of view. 𝐖𝐡𝐚𝐭 𝐢𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬? ---------------------------------------- Credit analysis is a process of drawing conclusions from available data (both quantitative and qualitative) regarding the credit – worthiness of an entity, and making recommendations regarding the perceived needs, and risks. 𝐂𝐫𝐞𝐝𝐢𝐭 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬 𝐏𝐫𝐨𝐜𝐞𝐬𝐬 ------------------------------------------ 1. Proposal 2. Inspection 3. Financial security 4. Market Review 5. Presentation of Proposal 6. Sanction for assessment 7. Data Collection 8. Analysis of various parameters 9. Credit Rating 10. Presentation for sanction 11. Terms & Condition Established 12. Proposal Approved 𝐓𝐡𝐞 𝟓 𝐂'𝐬 𝐨𝐟 𝐂𝐫𝐞𝐝𝐢𝐭 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬 ---------------------------------------------- 1. Character 2. Capacity 3. Capital 4. Collateral (or guarantees) 5. Conditions 𝐂𝐫𝐞𝐝𝐢𝐭 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬 𝐑𝐚𝐭𝐢𝐨𝐬 -------------------------------------- 1. Liquidity ratios 2. Solvability ratios 3. Solvency ratios 4. Profitability ratios 5. Efficiency ratios 6. Cash flow and projected cash flow analysis 7. Collateral analysis 8. SWOT analysis To know more about Credit Analysis Ratio, you can go to this link here: https://www.wallstreetmojo.com/credit-analysis/
Views: 13897 WallStreetMojo

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Stylized balance sheet of depository institution to illustrate (1) high leverage, (2) dependency on spread (ROA - COF) and (3) key ratios: leverage, and Basel's Tier 1 leverage ratio. For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 76679 Bionic Turtle

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This Ratio Analysis Masterclass covers all important ratios. You will learn- 1) Ratio Analysis Basics. 2) Advantages of Ratio Analysis. 3) Format of Balance Sheet for Ratio Analysis. 4) Liquidity Ratios. a) Current Ratio. b) Acid test Ratio. c) Absolute Liquid Ratio. 5) Turnover Ratios. a) Inventory Turnover Ratio b) Debtor Turnover Ratio (Debtors Velocity) c) Creditor Turnover Ratio.(Creditors Velocity) d) Assets Turnover Ratio. 6) Solvency Ratios. 7) Profitability Ratios. [JAIIB 2019 Question Bank] Principles and Practices of Banking 1000 Series by K G Khullar Link 1 - https://imojo.in/86mp39 [JAIIB 2019 Question Bank] Accounting and Finance for Bankers 1000 Series by K G Khullar Link 1 - https://imojo.in/emtyvp [JAIIB 2019 Question Bank] Legal and Regulatory Aspects of Banking 1000 Series Link 1 - https://imojo.in/3hjlai JAIIB 2019 Masters Pack https://imojo.in/4cax3e5 [Recommended] Abinash Kumar, Chief Manager [Bank of India Faculty]- [JAIIB 2019] Accounting and Finance for Bankers https://amzn.to/2EDihyt [JAIIB 2019] Legal and Regulatory Aspects of Banking- https://amzn.to/2EDqRNt [JAIIB 2019] Principles and Practices of Banking- https://amzn.to/2VW39BO [JAIIB 2019 Cheat Sheet] Legal+ Accounting Summarised Notes Link 1 - https://imojo.in/1opdql Banking Case Studies and Rationale [400 Plus Case Studies] Link 1 - https://imojo.in/11ffrj [FREE] JAIIB Resources Bundle- https://imojo.in/syjgft Contains following Resources- 1) Principles and Practices of Banking: 30 Day Excel Planner Template by K G Khullar 2) Legal and Regulatory Aspects of Banking: 30 Day Excel Planner Template by K G Khullar 3) Ratio Analysis Template for Bankers by K G Khullar 4) Ethics in Banking PDF Notes + Question Bank 5) Negotiable Instruments Act Short Notes by K G Khullar 6) Banking Technology Notes - PPB Module C Mock Test 1 - Principles and Practices of Banking https://youtu.be/MD3IQygmxDo Mock Test 2 - Accounting and Finance for Bankers https://youtu.be/EW3J9k4TPEc Mock Test 3 - PPB - Ethics in Banks and Financial Institutions https://youtu.be/-z4DOEwhNGQ Mock Test 4 - Legal and Regulatory Aspects of Banking https://youtu.be/B2DKESRUxm0 Mock Test 5 - Principles and Practices of Banking 2 https://youtu.be/lJQpOZDTyQY [FREE] Ratio Analysis Template for Bankers by K G Khullar https://imojo.in/f2ybf9 [CAIIB 2019 Question Banks COMBO] https://imojo.in/3ursg3g [QUESTION BANK] ABM 1000 Series- https://bit.ly/2StObFH [QUESTION BANK] BFM 1000 Series - https://bit.ly/2TySSvf [FREE] Advanced Bank Management 30 Day Excel Planner https://imojo.in/62ex8j [FREE] Bank Financial Management 30 Day Excel Planner http://imojo.in/2ffk5c

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Introduction to the income statement of a bank (and to income statements in general). More free lessons at: http://www.khanacademy.org/video?v=h3lMANILkw0

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Views: 53751 Asset Yogi

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Views: 1294554 MBAbullshitDotCom

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How reserve requirements limit how much lending a bank can do. More free lessons at: http://www.khanacademy.org/video?v=VP3nKDUw1jA

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Profitability ratios look at the returns earned by a business both in terms of its trading activities (sales revenue) and also how much is invested in earning those returns (capital employed). This revision video introduces the four main profitability ratios.
Views: 93328 tutor2u

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Views: 7362 The Motley Fool

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Views: 17445 CARAJACLASSES

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Ratio Analysis with numerical for Accounting and Finance This video is helpful for JAIIB, CAIIB, CA, MBA, BBA, B.COM, M.COM and also for those who are interested in share market. We have covered the following topics: Ratio analysis, accounts, finance, Learn Financial Ratio Analysis, Accounting Ratios, FINANCIAL STATEMENT RATIO ANALYSIS, CBSE, Profitability Ratios, solvency ratio, Various types of Ratios, understanding and usefulness of Financial ratio,finance ratio analysis, Acid test ratio, returns on investment, operating profit, earning per share, gross profit ratio, net profit ratio,accounting ratios,current ratio debt to equity ratio, current ratio in Hindi. Link to our ACID test ration video is following: https://youtu.be/kqVY3tQatG8 Link to our Facebook group is following: https://www.facebook.com/groups/294833504254894/
Views: 24722 GrowYourself

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Views: 7910 CARAJACLASSES

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On December 18, 2018, staff of the Federal banking agencies hosted a national banker teleconference to discuss the Community Bank Leverage Ratio (CBLR) Notice of Proposed Rulemaking
Views: 129 FDICchannel

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http://ytwizard.com/r/1Ff5cc http://ytwizard.com/r/1Ff5cc Banking Credit Analysis Process (for Bankers) Course for Bankers, Consultants and managers to Understand Credit Analysis Process from Indian Context.
Views: 6 Midya Efrata

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Views: 15119 CARAJACLASSES

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Views: 30238 FinanceKid

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Views: 455502 IIMTS FZE

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A video from N S Toor School of Banking on Ratio analysis for financial statement analysis. For full view of the Video and for complete course of Financial Statement Analysis, please log on www.bankingindiaupdate.com
Views: 19756 Ns Toor

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Views: 32554 Asset Yogi

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Views: 54347 AccoFina

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For details, visit: http://www.financewalk.com Ratio Analysis, Financial Ratio Analysis in Excel Financial Ratio Analysis Meaning- " The process of calculating the relationships between various pairs of financial statement values for the purpose of assessing a company's financial condition or performance is called ratio analysis." Users of Financial Analysis Financial Analysis can be undertaken by management of the firm, or by parties outside the firm like owners, creditors, investors and others. The nature of analysis will differ depending on the purpose of the analyst. • Trade creditors- are interested in firm's ability to meet their claims over a very short period of time. Their analysis will, therefore, confine to the evaluation of the firm's liquidity position. • Suppliers of long term debt- on the other hand, are concerned with the firm's long-term solvency and survival. They analyse the firm's profitability over time, its ability to generate cash to be able to pay interest and repay principal and the relationship between various sources of funds i.e. capital structure relationships. Long-term creditors do analyse the historical financial statements, but they place more emphasis on the firm's projected, or pro forma, financial statements to make analysis about its future solvency and profitability. • Investors -- who have invested their money in the firm's shares, are most concerned about the firm's earnings. They restore more confidence in those firms that show steady growth in earnings. As such, they concentrate on the analysis of the firm's present and future profitability. They are also interested in the firm's financial structure to the extent it influences the firm's earnings ability and risk. • Management - of the firm would be interested in every aspect of the financial analysis. It is their overall responsibility to see that the resources of the firm are used most effectively and efficiently, and that the firm's financial condition is sound.
Views: 115359 FinanceWalk

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Credit risk assessment is an important & critical step in the credit disbursal process. It provides an insight on the behaviour of the loan account for the tenure of the facility. Lenders have to evaluate various factors while assessing credit risk. Risks arising from business environment, quality of management, industry, etc. have to be objectively assessed. The dynamic nature of each of these factors is a challenge to lenders worldwide. It is important to have a framework in place while assessing the balance sheet, cash flows, P&L and various inputs received from the customer and external sources. The course on 'Financial Ratios and Credit Risk' delivers knowledge on fundamental concepts of credit risk through a step-by-step understanding of the financial ratios and cash flows so that the finance officer understands the financials of the company better. These are introduced through a case study approach.

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Learn Financial Ratio Analysis in 15 minutes Ratio Analysis: CAIIB ABM - advanced banking management case study on blancesheet of firm explained along with basic concepts. what is current ratio? what is quick ratio or acid test ratio? what is working capital? what is working capital cycle? Tandon committee for current ratio, maximum permissible bank finance. All explained GET CAIIB PREVIOUS YEAR QUESTIONS APP: Download CAIIB Pro App for Android Now: https://goo.gl/9WeSq4 join whatsapp group https://chat.whatsapp.com/7XGFUdbPEY7KcHFMYDGSvJ -~-~~-~~~-~~-~- Please watch: "Protection to Collecting Banker NI Act Legal and Regulatory Aspects of Banking JAIIB" https://www.youtube.com/watch?v=V-hiw3njkak -~-~~-~~~-~~-~-
Views: 14302 Learning sessions

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Views: 16479 CARAJACLASSES

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The video provides important and relevant information on the subject matter, to help the aspirants of bank promotion exam and interview. For many more such videos, please log in www.bankingindiaupdate.com
Views: 2845 Ns Toor

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Views: 23387 Asset Yogi

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Views: 36493 CARAJACLASSES

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Views: 133281 Jacob Clifford

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Views: 5849 Macs Finance

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Did you liked this video lecture? Then please check out the complete course related to this lecture, Banking Credit Analysis Process with 240+ Lectures, 17+ hours content available at discounted price (10% off)with life time validity and certificate of completion. Enrollment Link For Students Outside India: https://bit.ly/2wcpBMk Enrollment Link For Students From India: https://www.instamojo.com/caraja/banking-credit-analysis-process/?discount=inybcap68 Our website link : https://www.carajaclasses.com ---------------------------------------------------------------------------------------------------------------- BEST FOR CREDIT ANALYSIS THIS IS BEST LECTURE EXPLAINED IN SIMPLE METHOD WITH EXAMPLES FOR CREDIT PROFESSIONAL.Also it would def help on the job purpose as well.Would def recommend ------------------------------------------------------------------------------------------------------------------ Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, - Repayment Capacity, Etc. Every Banker should be through with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers. No Banker can raise to top unless he becomes conversant with Credit Analysis Process. Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position. Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process, Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals. This Course has been Structured in self paced Learning Style. Learners can Learn Credit Analysis process at their own time, Convenience and place. Materials used in this Course will enable the participants to understand credit Analysis Process with almost Clarity. • Category: Business What's in the Course? 1. Over 171 lectures and 11 hours of content! 2. By taking this Course you will Understand, What is Credit Analysis 3. By taking this Course you will Understand, What is Working Capital Cycle 4. By taking this Course you will Understand, What is Project Financing 5. By taking this Course you will Understand, Detailed Process of Credit Analysis Course Requirements: 1. No prior knowledge is required for taking this course. 2. Students need PC / Laptop / Tab / Mobile (supporting Android / iOS) to view this course Who Should Attend? 1. Bankers 2. Consultants(Management/Banking/Finance) 3. Finance Managers 4. Entrepreneurs looking for Raising Funds 5. Department Heads 6. Chartered Accountants
Views: 50935 CARAJACLASSES

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Learn how to analyse the financial statements of banks & NBFCs in order to spot the next rising star of the financial sector with a potential to generate massive wealth for the early investors into its stock on https://learnapp.co Anil Ghelani is the Senior Vice President of DSP Mutual Fund. He started his career in the financial services sector as a chartered accountant with V.C. Shah & Co. in 1998. Currently he also serves as the Vice Chairman of the CFA Society of India. https://www.facebook.com/LearnApp/ Like us on Facebook https://www.instagram.com/learnapp_co/ Catch us on Instagram https://twitter.com/LearnApp_co Follow us on Twitter
Views: 855 LearnApp

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https://www.carajaclasses.com Did you liked this video lecture? Then please check out the complete course related to this lecture, Banking Credit Analysis Process with 240+ Lectures, 17+ hours content available at discounted price (10% off)with life time validity and certificate of completion. Enrollment Link For Students Outside India: https://bit.ly/2wcpBMk Enrollment Link For Students From India: https://www.instamojo.com/caraja/banking-credit-analysis-process/?discount=inybcap68 Our website link : https://www.carajaclasses.com ---------------------------------------------------------------------------------------------------------------- BEST FOR CREDIT ANALYSIS THIS IS BEST LECTURE EXPLAINED IN SIMPLE METHOD WITH EXAMPLES FOR CREDIT PROFESSIONAL.Also it would def help on the job purpose as well.Would def recommend ------------------------------------------------------------------------------------------------------------------ Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, - Repayment Capacity, Etc. Every Banker should be through with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers. No Banker can raise to top unless he becomes conversant with Credit Analysis Process. Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position. Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process, Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals. This Course has been Structured in self paced Learning Style. Learners can Learn Credit Analysis process at their own time, Convenience and place. Materials used in this Course will enable the participants to understand credit Analysis Process with almost Clarity. • Category: Business What's in the Course? 1. Over 171 lectures and 11 hours of content! 2. By taking this Course you will Understand, What is Credit Analysis 3. By taking this Course you will Understand, What is Working Capital Cycle 4. By taking this Course you will Understand, What is Project Financing 5. By taking this Course you will Understand, Detailed Process of Credit Analysis Course Requirements: 1. No prior knowledge is required for taking this course. 2. Students need PC / Laptop / Tab / Mobile (supporting Android / iOS) to view this course Who Should Attend? 1. Bankers 2. Consultants(Management/Banking/Finance) 3. Finance Managers 4. Entrepreneurs looking for Raising Funds 5. Department Heads 6. Chartered Accountants
Views: 45789 CARAJACLASSES

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Sageworks regularly hosts free webinars for the banking industry. To see a list of upcoming sessions and to access a library of archived sessions, go to www.sageworks.com. Sageworks' Peter Brown reviewed some basic principles for understanding commercial credit anaysis including qualification (type of loan), quantification (debt service, key financial ratios, etc.) and presentation (what to include in the loan packet and how to present the information to loan committee). For more information, visit Sageworks at www.sageworksanalyst.com
Views: 57643 Sageworks

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Views: 36030 Asset Yogi

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Clicked here http://www.MBAbullshit.com/ and OMG wow! I'm SHOCKED how easy.. No wonder others goin crazy sharing this??? Share it with your other friends too! Fun MBAbullshit.com is filled with easy quick video tutorial reviews on topics for MBA, BBA, and business college students on lots of topics from Finance or Financial Management, Quantitative Analysis, Managerial Economics, Strategic Management, Accounting, and many others. Cut through the bullshit to understand MBA!(Coming soon!) Cash Ratio in 20 minutes - Financial Ratio Analysis Tutorial http://www.youtube.com/watch?v=M6mKUuacFs8
Views: 38812 MBAbullshitDotCom

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Views: 11567 Macs Finance

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Views: 276323 StayLearning

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When you deposit money into a bank, do you know what happens to it? It doesn’t simply sit there. Banks are actually allowed to loan out up to 90% of their deposits. For every \$10 that you deposit, only \$1 is required to stay put. This practice is known as fractional reserve banking. Now, it’s fairly rare for a bank to only have 10% in reserves, and the number fluctuates. Since checkable deposits are part of the U.S. money supplies, fractional reserve banking, as you might have guessed, can have a big impact on these supplies. This is where the money multiplier comes into play. The money multiplier itself is straightforward: it equals 1 divided by the reserve ratio. If reserves are at 10%, the minimum amount required by the Fed, then the money multiplier is 10. So if a bank has \$1 million in checkable deposits, it has \$10 million to work with for stuff like loans and reserves. Now, typically, the money multiplier is more like 3, because banks can always hold more in reserves than the minimum 10%. When the money multiplier is higher, like during a boom, this gives the Fed more leverage to move M1 and M2 with a small change in reserves. But when the multiplier is lower, such as during a recession, the Fed has less leverage and must push harder to wield its indirect influence over M1 and M2. Next up, we’ll take a closer look at how the Fed controls the money supply and how that has changed since the Great Recession. Subscribe for new videos every Tuesday! http://bit.ly/1Rib5V8 Macroeconomics Course: http://bit.ly/2eHWWtC Ask a question about the video: http://bit.ly/2utp1IH Next video: http://bit.ly/2udpA7U

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Through a case study, this video explains the method, as to how to calculate capital requirement for a asset portfolio of a bank. Very useful for CAIIB exam and JAIIB exam
Views: 99192 Ns Toor

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Training on Ratio Analysis and Profitability Ratios by Vamsidhar Ambatipudi

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Described concept and procedure to prepare a Cash Flow Statement as per Accounting Standard-3 Students may also watch following lectures : 1. Cash Flow Statement (Treatment of Tax & Dividend) : https://www.youtube.com/watch?v=q-KZ-INDHNs 2. Concept behind formation of a Formula (Ratio Analysis) : https://www.youtube.com/watch?v=76gMXQBnbps 3. Balance Sheet of a Company : https://www.youtube.com/watch?v=IuExxeB4XNk Connect on Facebook : https://www.facebook.com/ca.naresh.aggarwal Download Assignments: https://drive.google.com/drive/folders/0BzfDYffb228JNW9WdVJyQlQ2eHc?usp=sharing #CashFlowStatement #Accounting
Views: 504802 CA. Naresh Aggarwal