ANALYSIS OF FINANCIAL STATEMENTS OF BORROWERS FROM BANK'S
Objective:
To teach practical approach for analyzing financial statements of borrower during credit assessment.
Workshop Coverage:
- Fundamentals of Financial Statement Analysis
- Understanding Financial Statements
- Profit and Loss Accounts Items
- Balance Sheet Items including Contingent Liability
- Cash Flow Statement
- Understanding Audit Reports
- Ascertaining correctness as well as authentication of Financial Statement
- Restructuring the Financial Statements for the purpose of analysis
- Ratio Analysis (Profitability ratio, Activity ratio, Debt Management ratio and Liquidity ratio, between companies, between company and industry average, between company and benchmark, between different time periods of one company)
- Common Size Financial Reporting
- Net Present Value (NPV), Internal Rate of Return (IRR), Payback Method, Break-even Analysis, Sensitivity Analysis.
- LC Limit Assessment
Target Audience:
- People working in commercial and development banks and those willing to build career in these banks
- Relationship managers working in Credit Business functions
- Credit Officers, Working in Credit Support Function
- Officials working in Credit Risk Management and Credit Control Function
- Undergraduate and Postgraduate students undertaking banking as area of specialization
- Lecturers, teachers, trainers and researchers involved in teaching and researching Accounts and Financial Management
- CA's and auditors who are currently involved or pursuing for banking audits
- Individuals involved in making or implementing policies affecting banks and financial institutions
- Finance and accounts managers or officers of corporate houses
- Entrepreneurs of Small and Medium Enterprises
- Any individuals and groups willing to apply banking loans.