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Banking Essentials - Part I

This pathway will walk us through the basics of banks, starting with some of the different types and their main functions, then starting to look at the regulation faced by the banks, both before and after the Global Financial Crisis.

Greenwashing

Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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Our Platform

Expert led content

+1,000 expert presented, on-demand video modules

Learning analytics

Keep track of learning progress with our comprehensive data

Interactive learning

Engage with our video hotspots and knowledge check-ins

Testing & certification

Gain CPD / CPE credits and professional certification

Managed learning

Build, scale and manage your organisation’s learning

Integrations

Connect Finance Unlocked to your current platform

Featured Content

More featured content

Tackling the Cost of Living Crisis

In this video, Max discusses the cost-of-living crisis currently enveloping the UK. He examines its impact on households as well as the overall economy.

CSR and Sustainability in Financial Services

In the first video of this two-part video series, Elisa introduces us to sustainability. She begins by looking at the difference between sustainability and corporate social responsibility, two terms that can be easily confused.

More featured content

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Book a demo

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Key Details in a Corporate's Annual Report

Key Details in a Corporate's Annual Report

Ted Wainman

20 years: CA & educator

In this video, Ted outlines the 5 key things to look for in a company’s accounts. This includes: the net profit; the cash generated from trading operations; the affordability of its debt; liquidity; and the company’s commitments and contingent liabilities.

In this video, Ted outlines the 5 key things to look for in a company’s accounts. This includes: the net profit; the cash generated from trading operations; the affordability of its debt; liquidity; and the company’s commitments and contingent liabilities.

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Key Details in a Corporate's Annual Report

9 mins 45 secs

Key learning objectives:

  • Uncovering additional commitments and contingent liabilities

  • Understand how to calculate the profit margin

  • Identify the cash generation

  • Assess the affordability of debt

  • Understand the liquidity position of the business

Overview:

The ability to quickly read a set of financial statements is a skill worth having. In this video, Ted looks at the 5 key things to look for in a set of accounts.

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Summary

What is the net profit?

The ‘top line’ shows the sales of a company, the ‘bottom line’ is the profit after all the costs have been deducted.

What is the cash profit?

‘Profit’ can be manipulated by the accountants, but ‘cash is king’ (as the saying goes).  Identifying the cash profit of a company is a key metric.

Is the debt affordable?

Being able to service its debt will allow a business to refinance its debt.  The interest cover identifies the affordability of debt to a business.

Is it liquid?

From a day-to-day perspective, it is essential that a company can meet its financial obligations as they fall due.  The liquidity ratio will highlight any issues in this area.

What are off balance sheet liabilities?

The Commitments and Contingent Liabilities note will help to uncover additional liabilities that may reside ‘off balance sheet’.

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Ted Wainman

Ted Wainman

Ted Wainman trained and qualified as an Associate Chartered Accountant (ACA) with Ernst & Young before joining JPMorgan on the Investment Management side of the business. He since has over 17 years of experience in designing, developing and delivering financial & business skills training workshops for over 275 clients in more than 35 countries.

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