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4 Key Financial Ratios for Banks - Banking Stocks Fundamental Analysis | Part 2
 
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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: 17127 Nitin Bhatia
Learn Financial Ratio Analysis in 15 minutes
 
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This video helps you to learn Calculation of Financial Ratios with the help of practical example
Views: 592418 Ns Toor
Banking 2: A bank's income statement
 
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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
Views: 404344 Khan Academy
Balance Sheet Analysis | Financial Ratio Analysis - Accounting Finance for Banking | AFB
 
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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: 11477 Learning sessions
Balance Sheet for Commercial Banks
 
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This short revision video looks at the basic balance sheet of a commercial bank. This is a basic model of the balance sheet of a commercial bank. Assets are “owned” by the bank. Liabilities are “owed” by the bank e.g. customers can walk into a bank or use an ATM machine to withdrawal some/all of their deposits. - - - - - - - - - MORE ABOUT TUTOR2U ECONOMICS: Visit tutor2u Economics for thousands of free study notes, videos, quizzes and more: https://www.tutor2u.net/economics A Level Economics Revision Flashcards: https://www.tutor2u.net/economics/store/selections/alevel-economics-revision-flashcards A Level Economics Example Top Grade Essays: https://www.tutor2u.net/economics/store/selections/exemplar-essays-for-a-level-economics
Views: 28016 tutor2u
Financial Regulation - Capital Ratios for Banks
 
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​This revision video looks at the importance of capital ratios for commercial banks as part of the regulatory system designed to maintain financial stability.
Views: 6666 tutor2u
ratio analysis of financial statements in hindi| liquidity ratios| solvency ratios| leverage ratio
 
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In this video we have discussed ratio analysis of financial statements in hindi.We have discussed the categorization of different ratios and their types such as liquidity ratio : Current ratio and quick ratio, leverage ratio, debt equity ratio, debt service coverage ratio, return on capital employed roce, return on assets, return on equity etc. If Found our video helpful to you anyway, Then don't forget to like the video. Kindly Subscribe our channel for to get the notification for our latest videos Subscribe Link : https://goo.gl/M51wPX -----Like ------ Share -------- Comment ------- Subscribe -------------------------- Follow us on Facebook : https://www.facebook.com/bankingsutra/ Follow us on Twitter : https://twitter.com/banking_sutra Follow us on Google plus : https://plus.google.com/108611863544253921936 Follow us on Whatsapp : +918336937153
Views: 54858 BANKING SUTRA
Finance: Liquidity Ratios Explained
 
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Learn more about liquidity ratios here on the tutor2u website: https://www.tutor2u.net/business/reference?q=liquidity+ratio In this short revision video, Jim Riley from tutor2u Business introduces the concept of liquidity ratios and explains how to calculate and interpret the two main ratios: the current ratio and acid-test ratio.
Views: 116048 tutor2u
FRM: Bank Balance Sheet & Leverage Ratio
 
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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: 74050 Bionic Turtle
Key Financial Metrics and Ratios: ROA, ROE, and ROIC
 
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Learn key financial metrics & ratios to analyze companies financial statements. By http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" You’ll learn about the key metrics and ratios used to analyze companies’ financial statements, including Return on Equity (ROE), Return on Assets (ROA), and Return on Invested Capital (ROIC), as well as Inventory Turnover, Receivables Turnover, Payables Turnover, the Current Ratio, and the Asset Turnover Ratio. Table of Contents: 1:15 Why Metrics and Ratios Matter 4:58 Return on Equity (ROE), Return on Assets (ROA), and Return on Invested Capital (ROIC) 10:50 Asset-Based and Turnover-Based Ratios 14:40 Interpretation of Key Metrics and Ratios for Wal-Mart, Amazon, and Salesforce 19:32 Why the Key Metrics and Ratios Are Sometimes Not That Useful Why Metrics and Ratios? They let you evaluate and compare different companies, and see why one company might be worth more (higher valuation multiple) than others. They let you answer questions such as: How much equity is required to generate a certain amount of after-tax profit (Net Income)? How much in assets is required to generate a certain amount of after-tax profit (Net Income)? How much total capital is required to do this? How dependent is a company on its assets? How liquid is the company? Can it meet its obligations? How quickly does it sell all its Inventory, pay its outstanding invoices, and collect its receivables? ROA, ROA, and ROIC Return on Equity (ROE) = Net Income / Average Shareholders’ Equity Return on Assets (ROA) = Net Income / Average Assets Return on Invested Capital (ROIC) = NOPAT / (Total Debt + Equity + Other Long-Term Funding Sources) Return on Equity (ROE): How efficiently is a company using its equity to generate after-tax profits? Return on Assets (ROA): How well is a company using its assets / how dependent is it on them? Return on Invested Capital (ROIC): How well is a company using ALL its capital, or how much capital is required to grow its business? Here, Wal-Mart easily ranks #1 in all these metrics because it has a very high ROE of 20-25%, an ROA of close to 10%, and an ROIC of 13-14%; for Amazon and Salesforce, these numbers are negative or close to 0%. Asset-Based Ratios and Turnover-Based Ratios Asset Turnover Ratio = Revenue / Average Assets How dependent is a company on its asset base to generate revenue? Current Ratio = Current Assets / Current Liabilities How liquid is a company? Can it use its short-term assets to repay its short-term obligations, if required? Inventory Turnover = COGS / Average Inventory How many times per year does a company sell off all its Inventory? Receivables Turnover = Revenue / Average AR How quickly does a company collect its receivables from customers that haven’t paid in cash yet? Payables Turnover = COGS / Average AP (*) How quickly does a company submit cash payment for outstanding invoices? Interpretation of Figures for Wal-Mart, Amazon, and Salesforce On the surface, many of these metrics make Wal-Mart seem like a "better" company - much higher ROE, ROA, and ROIC, and Amazon is negative on some of those! Wal-Mart tends to have higher margins as well, and shows more consistency with those margins. Similar inventory management, but Wal-Mart collects from customers and pays invoices much more quickly than Amazon. Wal-Mart is levered a bit more heavily, though. And yet… Amazon is a much more expensive stock, or at least it was at this point in time, and the market values it much more highly based on metrics such as the P / E ratio. At the time of this analysis, Wal-Mart P / E Ratio = 16x, and Amazon P / E Ratio = 456x! How could that be possible? Is Amazon really nearly 30x as valuable as Wal-Mart with WORSE metrics? Answer: The "Revenue Growth" line tells the whole story here. You're comparing 2 very different companies – one is a mature, predictable, mostly slow-growing firm, and one is growing revenue at 20-30% per year, despite revenue in the tens of billions already. Admittedly, Amazon's valuation still seems ridiculous, but it's not that surprising it's valued more highly than Wal-Mart, given that it's growing 20-30x more quickly. The Bottom-Line: These metrics are MOST useful when comparing companies of similar sizes, growth rates, and margins – not as useful when you're comparing a high-growth company to a stable, mature firm. RESOURCES http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-14-Key-Financial-Metrics-Ratios.xlsx http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-14-Key-Financial-Metrics-Ratios.pdf http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-14-Amazon-Financial-Statements.pdf http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-14-Salesforce-Financial-Statements.pdf http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-14-Walmart-Financial-Statements.pdf
Banking 8: Reserve Ratios
 
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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
Views: 147211 Khan Academy
Bank Balance Sheets Practice- Macro 4:13
 
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In this video I explain what a bank balance sheet is and help you practice calculating the reserve ratio, the required reserves, the excess reserves, and the total change in the money supply. Remember that the total change in the money supply changes depending on if the money is deposited or if it is added via open market operations. It would probably be best to stop reading this and, instead, start practicing bank balance sheets. Get the Ultimate Review Packet http://www.acdcecon.com/#!review-packet/czji Macroeconomics Videos https://www.youtube.com/watch?v=XnFv3d8qllI Microeconomics Videos https://www.youtube.com/watch?v=swnoF533C_c Watch Econmovies https://www.youtube.com/playlist?list=PL1oDmcs0xTD9Aig5cP8_R1gzq-mQHgcAH Follow me on Twitter https://twitter.com/acdcleadership
Views: 101500 Jacob Clifford
Complete chapter of Ratio Analysis with Numerical for Advanced Bank Management [ABM]
 
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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: 22379 GrowYourself
Credit Analysis | Process | 5 C's of Credit Analysis | Ratios
 
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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: 5078 WallStreetMojo
3 Minutes! Financial Ratios and Financial Ratio Analysis Explained (Quick Overview)
 
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OMG wow! So easy clicked here http://mbabullshit.com/ for Financial Ratio Analysis Explained Financial Ratio Analysis Explained in 3 minutes Sometimes it's not enough to simply say a company is in "good or bad" health... To make it easier to compare a company's health with other companies, we have to put numbers on this health, so that we can compare these numbers with the numbers of other companies... So now... how do we use numbers to assess company health? http://www.youtube.com/watch?v=TZZFBkbC2lA This is where Financial Ratios come in... Very common types of financial ratios are Liquidity Ratios, Profitability Ratios, and Leverage Ratios. Liquidity Ratios can tell us how easily a company can pay its debts... so that the company doesn't get eaten up by banks or other creditors. An example of this is the Current Ratio... This tells us how much of your company's stuff can be easily changed into cash within the next 12 months so that it can pay debts which need to be paid also within 12 months. The higher your current ratio is, the less risky a situation your company is in. Now moving on... Profitability Ratios can tell us how good a company is at making money. An example of this is the Profit Margin Ratio. This tells us how much profit your company earns compared to your company's sales. Normally, a higher number is better; because you want to earn more profit for every $1 of sales that you get. And finally, what about Leverage Ratios? These can tell us how much debt the company is using to make the company run and stay alive. An example of this is the simple Debt Ratio. This tells us how much % of a company's assets are paid for by debt. Normally, a company is considered "safer" when the debt ratio is low. Note that this was just a very simple overview. There are a lot more financial ratios & many different ways of using them; plus a lot of problems and disadvantages in using them as well. Would you like to SUPER easily learn more about many financial ratios with even deeper analysis & detail? Check out my FREE videos at MBAbullshit.com See ya there!
Views: 1276438 MBAbullshitDotCom
Ratio Analysis, Financial Ratio Analysis in Excel
 
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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: 107090 Avadhut Nigudkar
Ratio Analysis Advanced Banking Management Case Study on Balancesheet (ABM)
 
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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: 11876 Learning sessions
Ratio Analysis - Introduction
 
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This revision video introduces the concept of ratio analysis.
Views: 97896 tutor2u
Financial Ratio Analysis for RBI Grade B and Banking Exams 2018 - Liquidity Ratio by Kapil Kathpal
 
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You can join my Live classes here: https://goo.gl/wGGHa1 This course is about the Financial Ratio analysis which is an important part of the Numerical portion of the Finance Section of RBI Grade B 2018. In this lesson, Kapil discusses the liquidity ratio - the current ratio to help in RBI Grade B preparation 2018 for finance section. Learn what is a current ratio? what is a liability ratio? what are financial ratios? What is liquidity in stocks and in banking? Complete RBI Grade B Finance section preparation by Unacademy. All the financial ratios are discussed with suitable examples and practice questions are also given and explained along with solutions. Must watch for all RBI Grade B 2018 aspirants. Download the Unacademy Learning App from the Google Play Store here:- https://goo.gl/02OhYI Download the Unacademy Educator app from the Google Play Store here: https://goo.gl/H4LGHE Do Subscribe and be a part of the community for more such lessons here: https://goo.gl/gycFVs
Views: 2643 Unacademy
Interest Coverage Ratio - Financial Management - Ratio Analysis
 
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"Install our android app CARAJACLASSES to view lectures direct in your mobile - https://bit.ly/2S1oPM6 " Join my Whatsapp Broadcast / Group to receive daily lectures on similar topics through this Whatsapp direct link https://wa.me/917736022001 by simply messaging YOUTUBE LECTURES Did you liked this video lecture? Then please check out the complete course related to this lecture, FINANCIAL MANAGEMENT – A COMPLETE STUDYwith 500+ Lectures, 71+ 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/2PmYtDf Enrollment Link For Students From India: https://www.instamojo.com/caraja/financial-management-a-complete-study-online/?discount=inyfmacs2 Our website link : https://www.carajaclasses.com Indepth Analysis through 300+ lectures and case studies for CA / CFA / CPA / CMA / MBA Finance Exams and Professionals ------------------------------------------------------------------------------------------------------------------------ Welcome to one of the comprehensive ever course on Financial Management – relevant for any one aspiring to understand Financial Management and useful for students pursing courses like CA / CMA / CS / CFA / CPA, etc. A Course with close to 300 lectures explaining each and every concept in Financial Management followed by Solved Case Studies (Video), Conversational Style Articles explaining the concepts, Hand outs for download, Quizzes and what not?? ------------------------------------------------------------------------------------------------------------------------ This course is about Financial Management. By taking up this course, you will have opportunity to learn the all facets of Financial Management. Knowledge on Financial Management is important for every Entrepreneur and Finance Managers. Ignorance in Financial Management can be disastrous because it would invite serious trouble for the very functioning of the organisation. This is a comprehensive course, covering each and every topic in detail. In this course,you will learn the Financial Management basic concepts, theories, and techniques which deals with conceptual frame work. Following topics will be covered in this course a) Introduction to Financial Management (covering role of CFO, difference between Financial Management, Accounting and other disciplines) b) Time Value of Money c) Financial Analysis through Ratios (covering ratios for performance evaluation and financial health, application of ratio analysis in decision making). d) Financial Analysis through Cash Flow Statement e) Financial Analysis through Fund Flow Statement f) Cost of Capital of Business (Weighted Average Cost of Capital and Marginal Cost of Capital) g) Capital Structuring Decisions (Capital Structuring Patterns, Designing optimum capital structure, Capital Structure Theories). h) Leverage Analysis (Operating Leverage, Financial Leverage and Combined Leverage) I) Various Sources of Finance j) Capital Budgeting Decisions (Payback, ARR, MPV, IRR, MIRR) k) Working Capital Management (Working Capital Cycle, Cash Cost, Budgetary Control, Inventory Management, Receivables Management, Payables Management, Treasury Management) This course is structured in self learning style. It will have good number of video lectures covering all the above topics discussed. Simple English used for presentation. Take this course to understand Financial Management comprehensively. Mandatory Disclosure regarding course contents: This course is basically a bundle of following courses: a) Time Value of Money b) Cash Flow Statement Analysis c) Fund Flow Statement Analysis d) Finance Management Ratio Analysis e) Learn how to find cost of funds f) Learn Capital Structuring g) Learn NPV and IRR Techniques h) Working Capital Management. If you are purchasing this course, make sure you don't purchase the above courses. Also note, this course is also bundled in comprehensive course named Accounting, Finance and Banking - A Comprehensive Study. So if you are purchasing above course, make sure you don't purchase this course. • Category: Business What's in the Course? 1. Over 346 lectures and 48 hours of content! 2. Understand Basics of Financial Management 3. Understand Importance of Time Value of Money 4. Understand Financial Ratio Analysis 5. Understand Cash Flow Analysis 6. Understand Fund Flow Analysis 7. Understand Cost of Capital 8. Understand Capital Structuring 9. Understand Capital Budgeting Process 10. Understand Working Capital Management 11. Understand Various sources of Finance Course Requirements: 1. Students can approach with fresh mind Who Should Attend? 1. Any one who wants to learn Financial Management comprehensively 2. MBA (Finance) students 3. CA / CMA / CS / CFA / CPA / CIMA
Views: 14813 CARAJACLASSES
Ratio Analysis - Profitability
 
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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: 75402 tutor2u
Solvency Ratios, CFA L1 (Financial Statements)
 
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Solvency ratios are either debt ratios (balance sheet-balance sheet) or coverage ratios (income statement-interest). For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 27062 Bionic Turtle
Banking Study Material- Ratio Analysis (Part 1)- Liquidity Ratios
 
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Ratio Analysis (Part 1)- Liquidity Ratios Topics Covered: Ratio Analysis –Introduction How a Ratio is expressed? Format of balance sheet for ratio analysis Key Notes – Liabilities Key Notes – Assets Liquidity Ratios Current Ratio Quick Ratio Net Working Capital Solved examples taken from competitive exams for easy reference
Views: 3217 TutionCentral
Term Loan Appraisal By Banks -  Banking Credit Analysis Process (for Bankers)
 
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Install our android app CARAJACLASSES to view lectures direct in your mobile - https://bit.ly/2S1oPM6 Join my Whatsapp Broadcast / Group to receive daily lectures on similar topics through this Whatsapp direct link https://wa.me/917736022001 by simply messaging YOUTUBE LECTURES 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: 24843 CARAJACLASSES
Current Ratio and how factored in Credit Risk Analysis
 
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Install our android app CARAJACLASSES to view lectures direct in your mobile - https://bit.ly/2S1oPM6 Join my Whatsapp Broadcast / Group to receive daily lectures on similar topics through this Whatsapp direct link https://wa.me/917736022001 by simply messaging YOUTUBE LECTURES 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: 571 CARAJACLASSES
Leverage Ratio Analysis Explained: Debt Ratio & Times Interest Earned Ratio for Ratio Analysis
 
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Leverage Ratio Analysis Explained: Debt Ratio & Times Interest Earned Ratio for Ratio Analysis. Want to add Leverage Ratio Analysis to your financial analysis skill set? This accounting and finance tutorial will give you a grounding into the Debt Ratio and the Times Interest Earned Ratio, which are two of the most popular leverage ratios. This accounting tutorial includes: * Introduction to Leverage Ratio Analysis. * Formula, Example & Explanation of the Debt Ratio. * Formula, Example & Explanation of the Times Interest Earned Ratio. * Review & Final Warning. The debt ratio draws data from the balance sheet and the times interest earned ratio draws data from the income statement. Leverage ratio analysis is all about assessing financial risk. * Leverage ratio analysis useful for prospective creditors, investors or managers themselves. * You can assess the strain on the business from long-term liabilities, inc. gauging the level of future obligations. * You can assess the ability to repay all debts with today’s assets. * And you can assess the ability to service the debt. So whether you are an accounting or bookkeeping student, you are investing or whether you are a business manager, watch this video to have the fundamentals of leverage ratio analysis explained clearly and concisely. I do hope you enjoy and get value from the video...happy viewing! Cheers, Axel --------------------- This video was brought to you by accofina. Other accofina Products & Services: Free Spreadsheets: 1) Ratio Analysis Calculators & Formulas http://www.accofina.com/spreadsheets/ratio-analysis-excel.html 2) Capital Budgeting http://www.accofina.com/spreadsheets/capital-budgeting-excel.html 3) Time Value of Money Calculators & Formulas http://www.accofina.com/spreadsheets/time-value-money-excel.html 4) 2-Year Monthly Cash Flow Forecast http://www.accofina.com/spreadsheets/cash-flow-forecast-excel.html 5) Retirement Planner http://www.accofina.com/spreadsheets/retirement-planner-excel.html Free Books: 1) Accounting: Foundation Inputs & Outputs http://accofina.com/free-books/accounting-foundations.html 2) 331 Great Quotes for Entrepreneurs http://accofina.com/free-books/331-great-quotes-entrepreneurs.html Books: 1) Ratio Analysis Fundamentals http://accofina.com/books/ratio-analysis-fundamentals.html 2) Balance Sheet Basics http://accofina.com/books/balance-sheet-basics.html 3) Income Statement Basics http://accofina.com/books/income-statement-basics.html 4) Cash Flow Statement Basics http://accofina.com/books/cash-flow-statement-basics.html 5) Financial Statement Basics http://accofina.com/books/financial-statement-basics.html 6) Corporate Finance Fundamentals http://accofina.com/books/corporate-finance-fundamentals.html a) Amazon Author Page: http://www.amazon.com/author/axeltracy b) Goodreads Author Page: https://www.goodreads.com/author/show/7450542.Axel_Tracy iOS Apps: 1) Ratio Analysis & Management Accounting Calculators http://accofina.com/apps/management-accounting-ratio-analysis-app.html 2) Ratio Analysis & Management Accounting Calculators 'Lite' http://accofina.com/apps/lite-management-accounting-ratio-analysis-app.html 3) Profitable Pricing http://accofina.com/apps/profitable-pricing-app.html a) Bidi Capital (accofina) Apps http://appstore.com/bidicapitalptyltd Online Learning: 1) Financial Statement Fundamentals http://accofina.com/online-education/financial-statement-fundamentals.html a) Udemy Instructor Page https://www.udemy.com/u/axeltracy/ b) YouTube Channel http://www.youtube.com/accofina Free Online Calculators: http://www.accofina.com Social Networking & Contact: 1) Facebook http://www.facebook.com/accofinaDotCom 2) Twitter http://www.twitter.com/accofina 3) LinkedIn https://www.linkedin.com/company/bidi-capital-pty-ltd 4) Google+ http://plus.google.com/+accofina #Accounting #FinancialEducation #FundamentalAnalysis
Views: 15904 AccoFina
Financial Ratios and Credit Risk
 
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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.
Using a Balance Sheet to Analyze a Company
 
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Balance sheets are one of the 3 financial statements that we use to measure the value of a company. A balance sheet gives the value of all of the assets and liabilities in a company, and shows the difference between the two as equity. http://bit.ly/1K9srFX To sign-up for my Transformational Investing Webinar, visit the link above. Think you have enough money saved for retirement? Learn more: http://bit.ly/1ONX2I1 Don't forget to subscribe to my channel here: http://ow.ly/RNAnK Looking to master investing? Attend one of my FREE 3-Day Transformational Investing Workshops. Apply here http://bit.ly/r1workshop _____________ For more great Rule #1 content and training: Podcast: http://bit.ly/1S9IyGw Blog: http://bit.ly/1PiELnA Facebook: https://www.facebook.com/rule1investing Instagram: https://instagram.com/ruleoneinvesting Twitter: https://twitter.com/Rule1_Investing Google+: +PhilTownRule1Investing Pinterest: https://www.pinterest.com/rule1investing/ analysis of balance sheet, reading balance sheet, how to read a company balance sheet,
Profitability Ratio Analysis: Financial Ratio Analysis Explained
 
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Profitability Ratio Analysis: Financial Ratio Analysis Explained Support AccoFina's Patreon if you are a Fan or Believer in my work, https://patreon.com/accofina Time Markers: 1) The Profit Margin 1:17 2) The Gross Profit Margin 5:47 3) The Return on Assets 14:28 4) The Return on Equity 21:47 5) Different ways to conduct ratio analysis 27:56 6) Key ideas with all ratio analysis 29:06 1) THE PROFIT MARGIN Tells us how much profit is generated from sales. Percentage of sales revenue that ends up as profit Good indicator of cost control and/or pricing power. Profit Margin Formula: Profit Margin = Net Income / Sales Revenue Example Where do we find the Required Inputs? Net Income: From the Income Statement Sales Revenue: From the Income Statement How to Interpret Changes in the Ratio: Expenses have changed in relation to sales... * Management is effective with cost control * Economies of scale are being utilised. Sales Revenue has changed in relation to expenses... * Change in pricing power (bargaining position with consumers) * Change in state of the economy and aggregate demand 2) THE GROSS PROFIT MARGIN (Very important for resellers and manufacturers) Profit between cost of inventory and sales price. How much sales revenue left to cover profit and all other expenses. Gross Profit Margin Formula: Gross Profit Margin = (Sales Revenue - Cost of Goods Sold) / Sales Revenue Where do we find the Required Inputs? Sales Revenue: From the Income Statement Cost of Goods Sold: From the Income Statement How to Interpret Changes in the Ratio: Sales Revenue has changed in relation to cost of goods sold... * Change in pricing power (bargaining position with consumers) * Change in product or aggregate demand (without a flow through the supply chain yet) * Market competitive position and pressures Cost of Goods Sold has changed in relation to sales revenue... * Power within the supply chain * Change in supplier or production efficiency Changes in prices of particular commodity inputs 3) RETURN ON ASSETS Return generated by the assets for those who funded the assets. Insight into success of management in income generating asset allocation and utilisation. Return on Assets Formula: Return on Assets = (Income beforeTax + Interest Expense) / ((Assets at Start of Period + Assets at End of Period) / 2) Where do we find the Required Inputs? Income before Tax: From the Income Statement Interest Expense: From the Income Statement Assets at Start of Period: From the Previous Balance Sheet Assets at End of Period: From the Current Balance Sheet How to Interpret Changes in the Ratio: Profitability has changed in relation to the level of assets... * Management is getting ‘more from less’ in regards to assets * Management has made good asset allocation decisions in terms of revenue * Management has good control of costs in relation to expenses Previously mentioned reasons: e.g. economy, market power, competitive position Level of assets have changed in relation to profitability... * Assets may have suddenly increased through large, recent * CapEx Assets may not be being replaced or replenished at the same rate * Particular choice of depreciation/amortisation policies 4) RETURN ON EQUITY Return generated for the owners of the business, the common stockholders. Insight into success of any leverage used (when comparing to return on assets). Return on Equity Formula: Return on Equity = (Net Income - Preference Dividends) / ((Common Stockholder Equity at Start of Period + Common Stockholder Equity at End of Period) / 2) Where do we find the Required Inputs? Net Income: From the Income Statement Preference Dividends: From the Income Statement or Investor Relations Equity at Start of Period: From the Previous Balance Sheet Equity at End of Period: From the Current Balance Sheet How to Interpret Changes in the Ratio: Profitability has changed in relation to the level of common stockholder equity... * Management performance is changing in the eyes of, and on behalf of, the owners/employers * Previously mentioned reasons: e.g. economy, market power, competitive position, cost control, asset utilisation Common Stockholder Equity has changed in relation to profitability... * The level of liabilities have changed (and thus equity) * A stock issue or stock buyback (i.e. equity levels have changed) Subscribe to the Channel: https://goo.gl/84Sfeg Or just check out the Channel Page: https://goo.gl/yTj9Bs Most Popular YouTube Video: https://goo.gl/Jbv685 Latest YouTube Upload: https://goo.gl/wDM83Y 1) Website http://www.accofina.com 2) Amazon Author Page: http://www.amazon.com/author/axeltracy 3) Udemy Instructor Page https://www.udemy.com/u/axeltracy/ 4) Twitter http://www.twitter.com/accofina 5) Google+ http://plus.google.com/+accofina 6) Instagram https://www.instagram.com/axel_accofina/ 7) Facebook Page https://www.facebook.com/AccoFina.Page #Accounting #FinancialEducation #FundamentalAnalysis
Views: 52328 AccoFina
Financial Statement Analysis - Ratio Analysis
 
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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: 18639 Ns Toor
Liquidity Ratios & Solvency Ratios - Explained in Hindi
 
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Liquidity ratios & solvency ratios meaning explained in hindi. What is liquidity, solvency, insolvency? Liquidity risk and solvency risk should be analyzed for any company or individual. For a company, we analyse liquidity ratios - current ratio, quick ratio, cash ratio and solvency ratios - debt ratio, debt to equity ratio, interest coverage ratio, debt service coverage ratio (dscr) etc. Related Videos: Current Ratio: https://youtu.be/STR_aUzAxpI Quick Ratio: https://youtu.be/QdPzteTZ1Dk Cash Ratio : https://youtu.be/-G5Pco2xnBk Current Assets & Current Liabilities: https://youtu.be/6_ZPGktZIts Assets, Liabilities & Equity: https://youtu.be/4BhpDCAL62M लिक्विडिटी रेश्यो और सॉल्वेंसी रेश्यो का मतलब इस वीडियो में हिंदी में समझाया गया है। लिक्विडिटी, सॉल्वेंसी, इन्सॉल्वेंसी क्या है? किसी भी कंपनी या व्यक्ति के लिए लिक्विडिटी रिस्क और साल्वेंसी रिस्क का एनालिसिस किया जाना चाहिए। कंपनी के लिए, हम लिक्विडिटी रेश्यो का विश्लेषण करते हैं - करंट रेश्यो, क्विक रेश्यो, कैश रेश्यो, और सॉल्वेंसी रेश्यो - डेब्ट रेश्यो, डेब्ट टू इक्विटी रेश्यो, इंटरेस्ट कवरेज रेश्यो, डेब्ट सर्विस कवरेज रेश्यो (dscr) आदि। Share this Video: https://youtu.be/ZMSW9BYb_Yo Subscribe To Our Channel and Get More Property, Real Estate and Finance Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: What are the liquidity ratios and solvency ratios? What is the meaning of liquidity risk and solvency risk? How to analyze the liquidity risk and solvency risk for any company or individual? What is the meaning of insolvent company? What is the differences between liquidity, solvency, and insolvency? How to know if a company or individual is bankrupt? What is the formula for liquidity ratio calculation and solvency ratio calculation? Analyzing liquidity ratios and solvency ratios of a company can help us to understand the risks of bankruptcy. Liquidity ratios such as current ratio, quick ratio, cash ratio help us to understand the liquidity risk status and solvency ratios such as debt ratio, debt service coverage ratio (dscr), interest coverage ratio can be helpful to analyze the solvency risks. Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Instagram - http://instagram.com/assetyogi Twitter - http://twitter.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Facebook – https://www.facebook.com/assetyogi Pinterest - http://pinterest.com/assetyogi/ Google Plus – https://plus.google.com/+assetyogi-ay Hope you liked this video in Hindi on “Liquidity Ratios & Solvency Ratios”.
Views: 19691 Asset Yogi
Debt Service Coverage Ratio
 
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Install our android app CARAJACLASSES to view lectures direct in your mobile - https://bit.ly/2S1oPM6 Join my Whatsapp Broadcast / Group to receive daily lectures on similar topics through this Whatsapp direct link https://wa.me/917736022001 by simply messaging YOUTUBE LECTURES Did you liked this video lecture? Then please check out the complete course related to this lecture, FINANCIAL MANAGEMENT – A COMPLETE STUDYwith 500+ Lectures, 71+ 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/2PmYtDf Enrollment Link For Students From India: https://www.instamojo.com/caraja/financial-management-a-complete-study-online/?discount=inyfmacs2 Our website link : https://www.carajaclasses.com Indepth Analysis through 300+ lectures and case studies for CA / CFA / CPA / CMA / MBA Finance Exams and Professionals ------------------------------------------------------------------------------------------------------------------------ Welcome to one of the comprehensive ever course on Financial Management – relevant for any one aspiring to understand Financial Management and useful for students pursing courses like CA / CMA / CS / CFA / CPA, etc. A Course with close to 300 lectures explaining each and every concept in Financial Management followed by Solved Case Studies (Video), Conversational Style Articles explaining the concepts, Hand outs for download, Quizzes and what not?? ------------------------------------------------------------------------------------------------------------------------ This course is about Financial Management. By taking up this course, you will have opportunity to learn the all facets of Financial Management. Knowledge on Financial Management is important for every Entrepreneur and Finance Managers. Ignorance in Financial Management can be disastrous because it would invite serious trouble for the very functioning of the organisation. This is a comprehensive course, covering each and every topic in detail. In this course,you will learn the Financial Management basic concepts, theories, and techniques which deals with conceptual frame work. Following topics will be covered in this course a) Introduction to Financial Management (covering role of CFO, difference between Financial Management, Accounting and other disciplines) b) Time Value of Money c) Financial Analysis through Ratios (covering ratios for performance evaluation and financial health, application of ratio analysis in decision making). d) Financial Analysis through Cash Flow Statement e) Financial Analysis through Fund Flow Statement f) Cost of Capital of Business (Weighted Average Cost of Capital and Marginal Cost of Capital) g) Capital Structuring Decisions (Capital Structuring Patterns, Designing optimum capital structure, Capital Structure Theories). h) Leverage Analysis (Operating Leverage, Financial Leverage and Combined Leverage) I) Various Sources of Finance j) Capital Budgeting Decisions (Payback, ARR, MPV, IRR, MIRR) k) Working Capital Management (Working Capital Cycle, Cash Cost, Budgetary Control, Inventory Management, Receivables Management, Payables Management, Treasury Management) This course is structured in self learning style. It will have good number of video lectures covering all the above topics discussed. Simple English used for presentation. Take this course to understand Financial Management comprehensively. Mandatory Disclosure regarding course contents: This course is basically a bundle of following courses: a) Time Value of Money b) Cash Flow Statement Analysis c) Fund Flow Statement Analysis d) Finance Management Ratio Analysis e) Learn how to find cost of funds f) Learn Capital Structuring g) Learn NPV and IRR Techniques h) Working Capital Management. If you are purchasing this course, make sure you don't purchase the above courses. Also note, this course is also bundled in comprehensive course named Accounting, Finance and Banking - A Comprehensive Study. So if you are purchasing above course, make sure you don't purchase this course. • Category: Business What's in the Course? 1. Over 346 lectures and 48 hours of content! 2. Understand Basics of Financial Management 3. Understand Importance of Time Value of Money 4. Understand Financial Ratio Analysis 5. Understand Cash Flow Analysis 6. Understand Fund Flow Analysis 7. Understand Cost of Capital 8. Understand Capital Structuring 9. Understand Capital Budgeting Process 10. Understand Working Capital Management 11. Understand Various sources of Finance Course Requirements: 1. Students can approach with fresh mind Who Should Attend? 1. Any one who wants to learn Financial Management comprehensively 2. MBA (Finance) students 3. CA / CMA / CS / CFA / CPA / CIMA
Views: 32333 CARAJACLASSES
Credit Analysis 101
 
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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: 54110 Sageworks
Price to Book Value Ratio - Interpretation and Derivation
 
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In this Price to Book Value Ratio - Interpretation and Derivation lesson, you’ll learn about the relationship between Price to Book Value (P/BV), Return on Equity (ROE), and Cost of Equity (Ke) for commercial banks, including how you can derive a formula for P/BV that links these key variables, plus Net Income Growth, together. You’ll also learn how you can use this information to determine if a bank might be overvalued or undervalued. http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 3:51 How and Why Valuation Multiples are “Shorthand” for a DCF Valuation 7:23 Proof of the Relationship Between P/BV, ROE, and Cost of Equity 13:40 How to Remove the “Payout Ratio” Term from the P/BV Formula 17:09 The Meaning of the P/BV Multiple 20:47 Recap and Summary Lesson Outline: Here’s a question that came in the other day: “I see that in the public comps of your Bank Valuation model, Citi is trading below a 1x P / TBV (Price to Tangible Book Value) multiple. Is the market saying that Citi’s shares are worth less than the liquidation value of the company? How does that make sense?” “Also, what does it mean if the bank were trading at a higher P / TBV or P / BV multiple, either over 1x or at a higher number than the comparables?” The ANSWER is that P / BV (or P / TBV etc.) multiples represent *shorthand* for the valuation of commercial banks. They’re all about *expected* returns vs. *targeted* returns: If P / BV is above 1x, it means the ROE of a bank exceeds its Cost of Equity. If P / BV equals 1x, it means that ROE equals Cost of Equity. If P / BV is below 1x, it means that ROE is below Cost of Equity. Multiples: Shorthand for a DCF or Dividend Discount Model Valuation In a DCF, if you know a company’s Final Year FCF, Terminal FCF Growth Rate, and the Discount Rate (WACC), you can figure out its *implied* EBIT or EBITDA multiple. In other words, if you make those assumptions, the multiple tells you how much you’d be willing to pay for the company to earn the return you’re targeting. For commercial banks, those metrics are meaningless because interest income is a critical component of revenue and you can’t separate operating and non-operating assets and liabilities. So instead, you rely on Dividends, Net Income Growth, and Cost of Equity for valuation, and they are all linked to the P / BV multiple. Specifically, the Terminal Equity Value for a commercial bank = Dividends One Year After the Final Year / (Discount Rate – Net Income Growth Rate) What Drives Dividends? The key factors influencing Dividends are the bank’s Book Value, its Return on Equity (ROE), its Payout Ratio, and its Net Income Growth Rate… a bank generates Net Income from its Book Value and ROE, and then it issues a certain amount in the form of Dividends. And then it grows its Net Income at a certain rate in the next year. So you can rewrite this formula as: Implied Equity Value = BV * ROE * Payout Ratio * (1 + NI Growth Rate) / (Cost of Equity – NI Growth Rate) Since P / BV = Equity Value / Book Value, you can rewrite that as: P / BV = ROE * Payout Ratio * (1 + NI Growth Rate) / (Cost of Equity – NI Growth Rate) Then, you can make ROE correspond to the bank’s Net Income in the NEXT period instead, so it becomes: P / BV = Next Year ROE * Payout Ratio / (Cost of Equity – NI Growth Rate) Getting Rid of the Payout Ratio Term A bank has two options for its Net Income: it can pay it out in the form of Dividends, or hold onto it and actually get more Net Income for growth purposes. You can reflect this relationship as: Net Income Growth = (1 – Payout Ratio) * ROE NI Growth = ROE – ROE * Payout Ratio NI Growth – ROE = – ROE * Payout Ratio ROE – NI Growth = ROE * Payout Ratio And then you can plug in this term to the equation: P / BV = ROE * Payout Ratio / (Cost of Equity – NI Growth Rate) P / BV = (ROE – NI Growth Rate) / (Cost of Equity – NI Growth Rate) And this tells you the key relationship between all these terms. Real-Life Uses and Interpretation So are Citi’s shares worth less than its liquidation value? Technically, yes… but it might be better to think of it as: “The market believes Citi’s ROE will be less than its Cost of Equity, and therefore its Net Assets are worth less than their current Balance Sheet values.” If a bank’s ROE and P / BV are both high, that doesn’t tell you much; same if they are both low. You find the interesting opportunities and (potentially) incorrectly valued banks when the ROE is low but the P / BV multiple is high, or when the ROE is high but the P / BV multiple is low. RESOURCES: http://youtube-breakingintowallstreet-com.s3.amazonaws.com/Price-to-Book-Value-Ratio-Interpretation.pdf
CMA Introduction - Banking Credit Analysis Process (for Bankers)
 
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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: 45315 CARAJACLASSES
CAMELS rating system, Overall performance indicator of Banks, Current Affairs 2018
 
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Views: 16394 Study IQ education
Introduction to the price-to-earnings ratio | Finance & Capital Markets | Khan Academy
 
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Price to Earnings Ratio (or P/E ratio). Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/valuation-and-investing/v/p-e-discussion?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/valuation-and-investing/v/earnings-and-eps?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Life is full of people who will try to convince you that something is a good or bad idea by spouting technical jargon. Most of them have no idea what they are talking about. Don't be one of those people or their victims when it comes to stocks. From P/E rations to EV/EBITDA, we've got your back! About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 319437 Khan Academy
Liquidity Risk Management | Basel 3
 
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An introduction to Liquidity Risk Management in Banks, using components of the corresponding module found under Optimal MRM's e-Learning service. The full presentation includes measurement exercises in Excel and guides subscribers as they practice the concepts and techniques presented in a hands-on manner. We invite you to attend a complimentary e-Learning demo module (https://www.optimalmrm.com/services/elearning-catalog/17-banks/22-basel/) to experience how Optimal MRM delivers a practical understanding of risk in a rich and interactive manner.
Views: 24220 Optimal MRM
What is Efficiency Ratio?
 
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Welcome to the Investors Trading Academy talking glossary of financial terms and events. Our word of the day is “Efficiency Ratio”. No matter what kind of business a company is in, it must invest in assets to perform its operations. Efficiency ratios measure how effectively the company utilizes these assets, as well as how well it manages its liabilities. A ratio used to calculate a business’s efficiency. Not all businesses calculate the efficiency ratio the same way. The ratio can be calculated in various ways: In all methods, an increase means the company is losing a larger percentage of its income to expenses. If the efficiency ratio is getting lower, it is good for the corporation and its shareholders. Also referred to as the overhead burden or overhead efficiency ratio. Some common ratios are accounts receivable turnover, fixed asset turnover, sales to inventory, sales to net working capital, accounts payable to sales and stock turnover ratio. These ratios are meaningful when compared to peers in the same industry and can identify businesses that are better managed relative to the others. Also, efficiency ratios are important because an improvement in the ratios usually translate to improved profitability. By Barry Norman, Investors Trading Academy
DSCR Computation in Term Loan
 
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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: 40901 CARAJACLASSES
Bank Promotion Exam   Ratio Analysis
 
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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: 2692 Ns Toor
Financial Statement and Ratio Analysis of Business and Commercial Customers
 
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A screencast from GBRW's modular business and commercial banking (micro-, small-, and medium-sized enterprises or MSMEs) training programme featuring our replica MIS. In this video we cover the financial statements and ratio analysis views. This aspect of the training covers traditional financial analysis for the purposes of credit assessment.
Views: 311 Michael Coates
Profitability Ratios - Gross, Net, Operating Profit Margin in Hindi (2018)
 
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Profitability ratios - Gross Profit Margin, Net Profit Margin, Operating Profit Margin and Pre Tax Margin explained in hindi. They are also called as Gross Profit ratio, Net Profit ratio and Operating Profit ratio. These return on sales ratios. Similarly, we also have return on investment (ROI) ratios like return on assets (ROA), return on capital employed (ROCE) and Return on Equity (ROE). Related Videos: EBITDA, EBIT & Operating Profit: EBITDA, EBIT & Operating Profit Markup vs Profit Margin: https://youtu.be/ajUUn72pUAk Financial Ratios & Analysis: https://youtu.be/CZscpOND3Vs Return on Investment (ROI): https://youtu.be/ij7y5e2MVG4 Return on Equity (ROE): https://youtu.be/K-OhdUGqdzc ROCE (Return on Capital Employed): https://youtu.be/FjWuma0U2x0 Return on Assets: https://youtu.be/7z9jDKNub6U प्रोफिटेबिलिटी रेश्यो जैसे - ग्रॉस प्रॉफिट मार्जिन, नेट प्रॉफिट मार्जिन, ऑपरेटिंग प्रॉफिट मार्जिन और प्री टैक्स मार्जिन को इस वीडियो में हिंदी में एक्सप्लेन किया गया है। इनको ग्रॉस प्रॉफिट रेश्यो, नेट प्रॉफिट रेश्यो और ऑपरेटिंग प्रॉफिट रेश्यो के नाम से भी जाना जाता है। और रिटर्न ऑन सेल्स रेश्यो की ही तरह रिटर्न ऑन इन्वेस्टमेंट (ROI) रेश्यो जैसे रिटर्न ऑन एसेट्स (ROA), रिटर्न ऑन कैपिटल एम्प्लॉयड (ROCE) और रिटर्न ऑन इक्विटी (ROE) भी होते हैं। Share this Video: https://youtu.be/pHgiuO2ZYoU Subscribe To Our Channel and Get More Property and Real Estate Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: What are the different profitability ratios? What is the gross profit margin? What is the net profit margin? What is the operating profit margin and pre-tax margin? What is the meaning of gross profit ratio, net profit ratio, and operating profit ratio? How to calculate gross profit margin, net profit margin, operating profit margin, and pre-tax margin? How profitability ratio calculation can help you make better investment decisions? How to do profitability ratio analysis of a company? How to calculate the profit margins of any company? What is the formula of gross profit margin calculation? What is the formula of operating profit margin calculation? How to calculate the pre-tax profit margin calculation? How is gross profit margin different from operating profit margin? How profitability ratio calculation helps you to compare companies before investing? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Twitter - http://twitter.com/assetyogi Facebook – https://www.facebook.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Google Plus – https://plus.google.com/+assetyogi-ay Instagram - http://instagram.com/assetyogi Pinterest - http://pinterest.com/assetyogi/ Hope you liked this video in Hindi on “Profitability Ratios - Gross, Net, Operating Profit Margin”.
Views: 23022 Asset Yogi
What is NPA ? | Impact of NPA on Banks | In Hindi
 
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Namaskar Dosto is video me hum NPA(Non performing Asset) ki bat krenge ki ye NPA qa hota hai..Aur q badhta hua npa bank ke liye acha nhi hai. Iske sath sath iske calculation ki bat b krenge aur dekhenge ki NPA badhne se bank ke profit me qa changes hota hai. To umeed hai dosto aapko video pasand ayega Mutual fund, Banking aur Finance ke bare me aur jan ne ke lie SUBSCRIBE kijiye. Facebook: https://www.facebook.com/MARKETMAESTROO
Views: 81790 Market Maestroo
Ratio Analysis in Financial Accounting
 
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Financial statement gives us clear idea about the financial position of the company. It will help the proprietor whether to continue the business or closed down or to make changes in working style of the business. Financial statement gives the clear idea of the profit margin in amounting term. But with the help of ratio, we get the clear idea of comparison and with the help of ratio we are able to express the relationship between different figures. Ratios express the relationship between two number as well as accounting figures. The ratio can be expressed in 3 terms: 1. Simple or pure ratio. - 2. Percentage. 3. Rate. Ratios are classified as follow: 1. Based on financial statement 2. Based on function 3. Based on user Simple Snippets Official Website - https://simplesnippets.tech/ Simple Snippets on Facebook- https://www.facebook.com/simplesnippets/ Simple Snippets on Instagram- https://www.instagram.com/simplesnippets/ Simple Snippets Google Plus Page- https://plus.google.com/+SimpleSnippets Simple Snippets email ID- [email protected] For Classroom Coaching in Mumbai for Programming & other IT/CS Subjects Checkout UpSkill Infotech - https://upskill.tech/ UpSkill is an Ed-Tech Company / Coaching Centre for Information Technology / Computer Science oriented courses and offer coacing for various Degree courses like BSc.IT, BSc.CS, BCA, MSc.IT, MSc.CS, MCA etc. Contact via email /call / FB /Whatsapp for more info email - [email protected] We also Provide Certification courses like - Android Development Web Development Java Developer Course .NET Developer Course
Views: 3490 Simple Snippets
Learn to calculate  Working Capital Finance in 15 minutes
 
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This video explains various concepts related to working capital for a business firm and also the method, as to how to make the calculation.
Views: 80155 Ns Toor
Must Watch Financial Ratios for Selections of a Share from Stock Market  before investment
 
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Must Watch Ratios in Selections of a Share from Stock Market Visit www.cdclasses.com For CMA CHANDER DUREJA SFM FM & COST or Call us at 9717356614 This video Provides all viewers above informations Click below for Opening Low Cost Demat Account without any AMC http://www.app.aliceblueonline.com/OpenAnAccount.aspx?c=DEL35 Why and How to Buy Direct Plans of Mutual Funds and save Lakhs of Rupees https://youtu.be/WhxmwUEgs-0 Systematic Investment Plan (SIP)-Wealth for Sure https://youtu.be/q-m9IrSlgwQ How to Become Crorepati with Mutual Funds https://youtu.be/FcPpIkOmT1c Mutual Funds Dividend Vs Growth Plan https://youtu.be/mRm0UodwtCA Derivative Basics- Future Contracts Meaning with Examples https://youtu.be/1C-46243F_c Call Option Contracts in Hindi https://youtu.be/BN9nECxAOkk Call and Put Option Meaning https://youtu.be/vftXE2_OZZY
Views: 1239 CMA. Chander Dureja
Optional Liquidity Coverage Ratio BASEL III
 
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Training on Optional Liquidity Coverage Ratio BASEL III by Vamsidhar Ambatipudi
Views: 4946 Vamsidhar Ambatipudi