...September 25, 2014 Case Study #1 Bowden Brake Service Problem/Issue Statement Should local finance institutions lend the money to Jim to expand his business? The owner, Jim Bowden, has been denied by the local finance institutions for loan in order to expand his business. Executive Summary *Assumptions were made and are presented in Appendix A* The owner, Jim Bowden owns a brake service shop. His business specialized in fixing car brakes and possible other repairs. Jim is seeking to expand his business, the owner had fill out financial form in the local finance institutions. Jim appeared to be very furious at the local finance institutions. As it turns out, all the finance institutions turned down his request for loan. Since his requests were turned down, Jim is unable to expand his business. The local finance institutions had recommended for the owner to look into ratio analysis. The problem is, both the bookkeeper and accountant are on vacation during the time of need. Jim is clueless about ratio analysis and is frustrated. There is a Human Resource Manager who was hired several months ago. This HR Manager had some training in managerial finance. The HR Manager offered to help the owner figure out the finance. At first, the owner felt skeptical because he did not think HR would know anything about finance. When the HR Manger discovered Jim needed a ratio analysis, both the owner and HR discussed agreements. An agreement was made for the HR Manager to be part...
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...[pic] American International University-Bangladesh (AIUB) FINAL DRAFT INTERNSHIP REPORT ON “Financial performance analysis of IDLC Finance Limited in compare with Langkabangla Finance Limited” An Internship Report Presented to the Faculty of Business Administration in Partial Fulfillment of the Requirements for the Degree of Bachelor of Business Administration Supervised By: Abdus Shahed Faculty, School of Business Administration Department of Finance Submitted By: Islam Md. Zahidul ID # 07-08909-2 Major: Finance & Accounting Date of Submission: 27/December/2009 FINAL DRAFT INTERNSHIP REPORT ON “Financial performance analysis of IDLC Finance Limited in compare with Langkabangla Finance Limited” Letter of Transmittal 27 December, 2009 Mr. R. Tareq moudud, FCMA Director, Office of Placement & Alumni (OPA), American International University-Bangladesh Banani, Dhaka. Subject: - Submission of the report on “financial performance analysis of IDLC finance ltd in compare with lankabangla finance ltd.” Dear Sir, With due respect, I tried to give my honest and maximum effort in this report. As far as I believe that the information of this is genuine and true. Despite of that, there might be some mistakes which were not noticed by me because of my inexperience. By collecting information for this report I also learn something very extra in practical. I would like to know you thanks from me for giving me such a great job and opportunity like...
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...Journal ofCollese Teachins & Learnins - September 2010 Volume 7, Number 9 Using MSN Money To Perform Financial Ratio Analysis H. Christine Hsu, California State University, Chico, USA ABSTRACT In today's information technology world, real time financial data is readily available via many financial websites, such as MSN Money, Google Finance, Yahoo Finance, etc. The incorporation of computer technology in finance classes has become more popular than ever in this information technology rich environment. Mediated classrooms have rapidly grown in numbers throughout the universities worldwide. Based on my experience as a finance professor, I have summarized this teaching note to demonstrate an alternative pedagogical tool in performing financial ratio analysis. The class assignment presented hereinafter is designed to help students learn how to assess the company's overall operations and current financial standing via an on-line database available in MSN Money website. It can be used in any corporate flnance class. I collected student feedback on the assignment, and the vast majority of the survey participants perceived the assignment as a very good learning experience. Keywords: financial ratio analysis. Du Pont analysis INTRODUCTION inancial ratio analysis is an important topic and is covered in all mainstream corporate finance textbooks. It is widely used to summarize the information in a company's financial statements so as to analyze its financial condition...
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...Apple Inc Financial Report Analysis FINC 330 Business finance instructor: Philip Bradley Prepared by: Table of Contents Page 1) Company Description……………………………………………….…...... 2 Company background………………………………………..….. 2 Industry analysis………………………………………………..... 2 Products and services…………………………………….…......2 Investment strategy…………………………………….……...…3 2) Market Analysis……………….………………………………................... 3 Direct competitors…………………......…………………………. 3 Financial performance comparison…………………......………3 Growth comparison…………………......…………………...…...4 Trailing total returns comparison…………………......…………4 Ratio comparison…………………......…………………………. .5 Detailed ration comparison…………………......……………5 3) Financial Performance Analysis………………………………………...... 6 Ratio analysis........................................................................... 6 Detailed analysis................................................................. 7 4) Recommendations ……………………………………………………..… ..8 5) Conclusions……………………………………………............................ ..9 6) Reference…………………………………………………………………...10 7) Appendix……………………………………………………………….....…11 Income statement....................................................................11 Balance sheet.......................................................................... 12 Cash flow........................................................................
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...It guides a company and individual in making optimum use of money to achieve maximum returns. While working on this specific assignment I decided to concentrate on financial ratio analysis, since I am the business owner, and most of the financial terms like balance sheet, shareholder’s equity, EBITDA, EBITDAM, financial ethics, financial benchmarking I am very familiar with. I must admit that understanding financial ratio analysis I found somehow difficult, this is why I decided to concentrate on this topic. Summary of Articles The first article that I read is called “Financial Ratios, Discriminant Analysis and the Predictions of Corporate Bankruptcy” by Edward I. Altman, published 1968 in the Journal of Finance. The article says that academicians are seeking to eliminate ratio analysis as an analytical technique in assessing the performance of a business. According to the article theorists are attacking the relevance of ratio analysis. The article explores the possibility of whether the gap between traditional ratio analysis and more rigorous statistical techniques can be bridged. According to the article the traditional ratio analysis is no longer an important analytical technique in the academic environment because of the unsophisticated manner in which it has been presented. The research combined financial ratios with discriminate analysis, applying this to the problem of corporate bankruptcy prediction. The article concludes that if the ratios are analyzed...
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...City of London College Assignment on Managing Financial Principles and Techniques Course co-ordinator: Miss. Safeena Submitted by Mohammed Aamair Khan Student Id: 000103307 Course: Advance Professional Diploma in Management Studies Task-1 Introduction Finance is the lifeblood of business. It is required for all the business activities like production, marketing and all the other resources. Finance includes saving money and often includes lending money. The field of finance deals with the concepts of time, money, risk and how they are interrelated. It also deals with how money is spent and budgeted. In this Assignment I’m going to see what are the financing options available and which one of them will best suit my Company’s needs and result in profits. The best financing package for your business requires careful planning. An effective plan is based on these questions: 1. Why do you need money? 2. How are you going to use your money? 3. How much money do you need? 4.How much can you afford to pay for your funds? 5. How and when will you pay the money back? These questions should be asked before you need money. By planning ahead you will not have to make a last minute rush to get money. Last minute money tends to be more expensive! Understanding financial needs There are several different ways to solve any financial problem that your business encounters. Running to the bank for a loan may be neither the easiest nor the best solution to your problem...
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...A REPORT ON BALANCE SHEET ANALYSIS OF LANKA BANGLA FINANCE LIMITED AND INTERNATIONAL FINANCE INVESTMENT AND COMMERCE BANK LIMITED Date of submission: 8th November 2015 Submitted to Farzana Lalarukh Associate Professor Department of Finance University of Dhaka Submitted by SL | Name | BBA ID | Remarks | 1 | Sifat sadia | 17-003 | | 2 | Barna Paul | 17-047 | | 3 | Maghla Hossain | 17-061 | | 4 | Saima Sultana | 17-069 | | 5 | Nawsina Arif | 17-085 | | Date of Submission: 8th November 2015 Department of Finance University of Dhaka Letter of Transmittal November 8, 2015 Farzana Lalarukh Associate Professor Department of Finance University of Dhaka Subject: Submission of Report on “Balance Sheet Analysis of LankaBangla Finance Limited and International Finance Investment and Commerce Bank Limited”. Dear Madam, It gives us enormous pleasure to submit the report on Balance Sheet Analysis of Bank and NBFI as per the Advisor’s instruction. We expect this report to be informative as well as comprehensive as per requirement. Working with such a topic was an inspiring experience for us. We believe that the knowledge and the experience we gathered will facilitate us a lot in our future career life. With our limited knowledge, we have tried our level best to prepare the report worthwhile. Your acceptance and appreciation would surely inspire us. For any further explanations about the report, we will be gladly available to clarify the ins and outs. Sincerely, Sifat Sadia...
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...accessible for establishing relevant analysis of the financial statements of organisations (Fernie & Ebooks Corporation, 2005: 9). One of the financial tools that are widely used in evaluating the financial statement is ratio analysis, which not only assists in the evaluation of the company’s performance but also gives room for effective comparison of the performance of one firm to that another (Baker, 2011:1). In this report, the main goal is to make comparison of two UK based firms; Tesco and J Sainsbury Supermarkets through the determination of ratio analysis for both of these firms over a time period of three years. Overview of Tesco Tesco is among the top food retailers in Ireland and United Kingdom with about 2715 retail stores located countrywide. Tesco was found by Jack Cohen in the year 1919 and its headquarters are located in East London. The management of the company has shifted forward by two major individuals inclusive of Sir Terry Leahy as the CEO and David Reid as the Chairman (Yahoo Finance, 2013:1). The company has a definitive product range such as Groceries, financial services, telecoms and consumer goods. The total revenue of the firm by March 2013 was about £ 43.6 billion with operating income of about £ 2.272 billion. Tesco’s net income is currently about 2.8 billion as of financial year 2013 (Yahoo Finance, 2013:1) Overview of Sainsbury Plc Sainsbury is the third biggest supermarket chain in the UK. The company has a market share of 16.5% in the...
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...sheet Income statement Describe two principle financial statements their users, format, frequency and content 2 Financial accounting Management accounting Compare & contrast financial accounting and management accounting 3 Describe the relevance ,application and limitations of financial ratio analysis with reference to three types of users of financial statement 4 Conclusion 5 1. Introduction. -Finance is one of the most significant elements in order to succeed in business performance. Managers are able to decide ways how they will proceed their business and what extent they will broaden or minimize the scale of their business through various figures of finance. Also, those of things help shareholders to predict organisation's promising. Accounting is a basic tool in figuring out how entity spend asset and how they make a profit or how loss happens. Some specialists such as managers, shareholder, accountants use these information. In accounting, there are some methods of analysing how healthy company's financial statement is. Some types of useful ways will be introduced on this essay and will be explained why accounting and finance is a crucial factors of business. 2 .Describe two principle financial statements(their users ,format, frequency and content) Balance sheet : it is a summary of the financial position of the business. It mainly consists of three factors which are assets, liabilities and equity. There is a basic format...
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... Assistant Professor Amity College of Commerce and Finance In Partial compliance requirements...
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...Project on Financial Statement Analysis of United Leasing Company Limited Project on Financial Statement Analysis of United Leasing Company Limited Prepared for Dr. H. M. Mosarof Hossain Professor School of Business (MBA Program) North South University Prepared By Syeda Zabeen Ahmed, ID # 0910683060 Khadiza Akter, ID # 0930401060 Sadia Choudhury, ID # 1010366060 Toufiqur Rahman, ID # 1030291060 Md. Nazmul Ahsan, ID# 1010236060 April 08, 2011 Dr. H. M. Mosarof Hossain Professor School of Business (MBA Program) North South University. Submission of the BUS635 Group Project Dear Sir, We are pleased to submit the group project paper: “Financial Statement Analysis of United Leasing Company Limited” that you have asked us to prepare in an effort to better understand different Financial Analysis techniques. The topic has enabled us to better comprehend how United Leasing Company performed for last years and what they would do to improve their operations. It has been a pleasant experience working on this report. We submit it for your kind consideration and thank you for your guidance. If further clarification regarding this report is found required, we would be available by any means. Sincerely, Syeda Zabeen Ahmed, ID # 0910683060 ---------------------------- Khadiza Akter, ID # 0930401060 ---------------------------- Sadia Choudhury, ID # 1010366060 ---------------------------- Toufiqur Rahman, ID # 1030291060 ---------------------------- ...
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...MG 670 Finance Term Project Click Link Below To Buy: http://hwcampus.com/shop/mg-670-finance-term-project/ MG 670 Finance Term Project Company : Costco and Walmart MG 670 Finance Term Project Guidelines There is a lot to be said for valuing a company, it is no easy task. If you have yet to discover this moneymaker, the satisfaction one gets from tearing apart a company’s financial statements and analyzing it on a whole different level is great – especially if you make or save yourself money for your efforts. In this project, you will analyze the fundamental financial ratios. The ratios should be presented in a simplified manner to make them easier to understand. Sure some of the ratios have different varieties, but by the end you will understand the basic premise and reasons for fundamental analysis. You will work in groups of three or four people for this project. You will be analyzing two public traded companies within the same industry; as well, you will also evaluate these companies against their industry standards for performance. To find the data for your ratio analysis, you will need each company’s latest financial figures. Finding these financial reports can done by searching the internet through some of these sources, but not limited to: • Company Websites – Almost every public company has a website or investor relations department. For the most current quarterly or annual report you might want to check in these places first. Walt Disney is an excellent...
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...(BPI) - Financial Analysis Review Reference Code: GDFS34484FA Rua Tenente Valadim, 284 Lordelo do Ouro, Porto 4100 - 476 Portugal Phone Fax Website Exchange +351 22 6073100 +351 22 6098787 www.bancobpi.pt BPI [Euronext Lisbon] Revenue Net Profit Employees Industry Publication Date: AUG 2012 2,005 (million EUR) -284.87 (million EUR) 8,965 Financial Services Company Overview Banco BPI S.A. (BPI) is the fourth largest Portuguese private financial multi-specialist group. The bank has institutional, corporate and individual customers and is among the leaders in mutual funds, pension funds and life-capitalization insurance. Its products and services include asset management, credit and debit cards, deposits, investment, mortgages and insurance. The bank also offers a broad range of life insurance and non-life insurance through Allianz Portugal, in which the bank holds 35% interest. The bank operates its business through a network of 654 retail branches 39 investment centers, 5 specializing in home loans branches. Key Executives Name Fernando Ulrich Antonio Domingues Antonio Farinha Morais Jose Pena do Amaral Manuel Ferreira da Silva Chairman Deputy Chairman Director Director Director Title Key Competitors Name Mercantil Servicios Financieros, C.A. Banif SGPS SA Banco Comercial Portugues SA Bank of Alexandria SAE Banco Espirito Santo S.A. Source: Annual Report, Company Website, Primary and Secondary Research, GlobalData Source: Annual Report, Company Website, Primary...
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...profit and loss accounts and a balance sheet. Profit and Loss Account A trading, profit and loss account shows the business's financial performance over a given time period, e.g. one year. The sales on the profit and loss account are the revenue that the business is receiving from selling products or services which was £187,730. The cost of sales then needs to be calculated in order to generate a gross profit figure. Cost of sales is the money that is needed to provide products or services to customers which was £83,000 in this scenario. The trading account shows The Craft & Pottery Shop & Studio LTD has made a gross profit of £105,785 before taking into account other expenses such as overheads. Gross profit is the profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services. The profit and loss account shows a net profit of £18,865 has been made. Net profit is the amount of ‘true profit’ a business makes after deducting the expenses of the business off the gross profit figure. Balance Sheet A balance sheet shows the value of a business on a particular date. A balance sheet shows what the business owns and owes (its assets and its liabilities). Fixed assets show the current value of major purchases that help in the running of the business, like delivery vans or PCs. In this case £19,600 of fixed assets is owned. Current assets show the cash or near-cash available to the...
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...FUNDAMENTALS OF FINANCE AND INTERNATIONAL FINANCIAL MANAGEMENT COURSE CONTENTS 1. Fundamentals of Finance 1.1. What is Corporate Finance? 1.2. The Financial Manager 1.3. Financial Management Decisions 1.4. The Goal of Financial Management 2. Basic Tools of Financial Analysis: Accounting Statements and Ratio Analysis 2.1. The Balance Sheet 2.2. The Income Statement 2.3. Cash Flow 2.4. Ratio Analysis 2.5. The Du Pont Identity 2.6. Using Financial Statement Information 2 COURSE CONTENTS 3. Financial Equilibrium 3.1. Current Asset Management 3.2. Short Term Financing 3.3. Working Capital Management 4. Financial Forecasting 4.1. Pro Forma Statements and Financial Planning 4.2. Cash Flow Forecasts 4.3. Cash Budgets 4.4. Cost of Capital 4.5. Capital Structure 4.6. Financial Planning 3 COURSE CONTENTS 5. Identification of Financial markets 5.1. Money Market 5.2. Capital Market 5.3. Foreign Exchange Market 5.4. Derivatives Market 6. Management of stocks, bonds, derivatives and other assets 6.1. Potfolio Theory and Asset Pricing 6.2. Common Stock Analysis and Equity Pricing Models 6.3. Fixed Income Analysis and Bond Pricing 6.4. Futures, Options and Other Derivatives 4 COURSE CONTENTS 7. Foreign exchange markets, currency derivative markets and Euromarkets 7.1. Function and structure of foreign exchange markets 7.2. Forecasting foreign exchange rates 7.3. Currency Futures and Options Markets 7.4. Eurodollar Interest Rate Futures Contracts 7.5. International...
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