Major FINANCE course syllabus

Jun 21st, 2015
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Course Title: Commercial Banking The purpose of this course is to familiarize the students with various practical aspects of commercial banks, their nature, significance, modus operandi, etc. It covers the different departments into which the operations of banks are divided and the interrelationship that exists between them.

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Types of Financial RatiosLiquidity:- Liquidity is the ability to pay businesses short-term obligations as they fall due.Measured by: Current RatioProfitability:- Is the earning performance of the business and indicates its capacity to use its resources to maximize profits.Measured by:Gross profit ratioNet profit ratioreturn on owners equityLeverage or Gearing or Solvency:-It is the proportion of debt and the proportion of equity which is used to finance the activities of a firm.Measured by: debt to equity ratioEfficiency: is the ability of the firm to use its resources effectively in ensuring financial stability and profitability of the business.Measured by:1. expense ratio2. accounts receivable turnover ratio Sample responsesThis firm has $3 of current assets for every $1 of current liabilities. The firm has higher than the recommended ratio of 2:1. This indicates that the firm is in a sound financial position and it is liquid and will be able to pay off its short term debts.This firm has 33 cents in external debt for every dollar of internal debt. A ratio of 1:1 indicates a sound financial position so this firm is solvent therefore it will be able to pay off its long term debtsThis firm has for every one dollar of sales 40% gross profit. This firm may need to search for new suppliers to get cheaper costs of goods and competitors gross profit investigatedIt takes an average 25 days to turnover its accounts re

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