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2021 - The Income Statement - What a Banker Can Learn About a Borrower from Its Profit and Loss Statement



VenueOnline Event, USA - United States USA - United States

KeywordsProductionvsproductivity; Growthactualsales; Returnonassets


Topics/Call fo Papers

This program is designed to show bankers, lenders and credit professionals:
1-how to evaluate a borrower’s operating performance-revenue generation, productivity, efficiency, and profitability-as they analyze the information disclosed in its income statement. 2-how to identify the critical elements of the profit and loss statement and their roles in driving a business borrower's operating performance. 3-how to judge a borrower's operating performance trends and results against industry averages.
P&L's key components-revenue, cost of goods sold, gross profit, operating expenses, profit before taxes, taxes, profit after taxes
Revenue growth-actual sales growth vs sustainable growth rate
Break-even analysis-how much revenue does a borrower need just to cover its expenses?
Operating leverage-the smaller the gross profit, the more vulnerable a borrower's profitability is to declining revenues
Production vs. productivity
Profit margins-gross profit margin, before-tax profit margin, after-tax profit margin
Analysis of return on sales, return on assets, return on equity
Profit vs cash flow-why profit is not always equal to cash flow
A case study is used to demonstrate how to evaluate operating performance.
This program is designed to assist bankers, lenders and credit professionals who want a fundamental understanding of the information that is contained in the income statement. During this program, participants will learn the critical elements of the profit and loss statement and how to use it to assess the operating performance of a business borrower.
Credit Analysts
Credit Managers
Loan review officers
Work-out officers
Commercial Lenders
Credit Risk Managers
Chief Credit Officers
Senior Lenders
Senior Lending Officer
Bank Director
Chief Executive Officer
Board Chairman
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc.
For more detail please click on this below link:
Tel: +1-(707)-743-8122

Last modified: 2021-01-14 20:07:48