complete geometry theorems by ABHISHEK JAIN (Study IQ)Full description
questionaire required to understand bank credit management
itt
necessary documents for Nokia_RF
Imp topics for NEET
★☆Important
formulae/ Advance Bank Management/
★☆By
Krishna Sah
1. Net worth A! "#cess of assets over lia$ilities% for individual! individual! B! &apitals ' (eserve %for company! ). Networking &apital A! *otal of current current asset+*otal asset+*otal of of current lia$ility B! ,ifference $/w long term source and long term use -. ,e$t "uity ratio %,"(! A! *erm loan/*angi$le loan/*angi$le networth networth B! ong term de$t/Share holders euity &! *otal lia$ility/Share lia$ility/Share holders euity 0. ,S&( A! *otal cash cash flow $efore $efore interest/*otal interest/*otal repayment repayment o$ligation o$ligation B! % Net profit ' ,epriciation ' Interest on long term lia$ility !/ %Instalment ' interest on long term lia$ility! . (eturn on asset 2perating profit/%*otal asset+intangi$le asset! 3. I&(%Interest coverage ratio ! "BI* / Interest on long term $orrowings 4here "BI* "arning $efore interest and ta#es 5.*otal outside lia$ilities current lia$ility ' long term lia$ility 6. *otal tangi$le asset &A' 7i#ed asset' other non currrent asset 8. *angi$le networth Networth + intangi$le asset 19. &urrent (atio &A:& 11. ;uick (atio % &A + Inventories !/ & 1). ;uick asset &A + Inventory 1-. ♧ $alance ▼ Sundry de$tors/Bill reiciva$les ▼ Investment in outed securities such as ?ovt sec @ 7,( ♧
that come under lia$ilities ▼ Sundry creditors/Bills paya$le ▼ Installment of term loan paya$le in a year ▼ prefrential capital ▼ =rovisions to paid in a year ▼ 4&*% 4orking capital term loan !
10. Narrow Money % M1! &urrency with pu$lic ' ,emand deposits with $anking system ' other deposits with (BI 1. M)M1' Savings deposits of post office savings $anks 13. M- M1' *ime deposits with $anking system 15. M0 M-' All deposits with post office savings $anks% "#cluding National savings certificate ! 16. Inflation % =rice inde# in current year+ =rice inde# in $ase year!199 18. ¤ ?,= &'I'?'%C+M! ¤ ?N= ?,=' N(% net income from assets a$road% net income receipts !! )9. ?,= at factor cost ?,= at market price +% Indirect ta#es+ Su$sidies ! )1. *otal revenue receipts Net ta# revenue ' *otal Non+*a# revenue )). =resent value%=D! ,iscount factor
× &n
)-. &ash flow for n period &n =D%1'r!En where r interest rate )0. ,iscount factor 1/%1'r!En 4here r int rate @ n period in year ). "ffective int rate %"I(! %1'r/n!En +1 )3.&urrent yield on coupon %coupon or nominal yield! × 199 / %current market price of coupon! )5. (ate of return %coupon' price change!/investment )6. F*M G &' % A+=!/n H × 199 / % A ' =!/) 4here &+ &oupon A+ 7ace value/ Maturity value of $ond =+ =rice paid for $ond n + term to maturity )8.Field on discounted instuments :+ *he issue price of a discounted instrument can $e calculated $y using formula , 7 / 1' %r ×n!/-399 J 4here , ,iscounted value of the instrument 7 Maturity Dalue r "ffective rate of return per annum n *enure of the investment in days. -9.conversely to find out the yield from a discounted instrument@ the following formula can $e derived from the a$ove one
r % 7+ , ! / , × -3/ n × 199 4here , ,iscounted value of the instrument 7 Maturity value r "ffective rate of interest per annum n *enure of the instrument % in days ! -1. 4hen you invest in a $ond @ you receive a regular coupon payment. As $ond prices change @ you may also make a capital gain or loss. *he (ate of (eturn can $e calculated using (2( % &oupon income ' =rice change ! ÷ Investment -). ero coupan $ond is a long term $ond that pays no interest. *his $ond is sold at discount. *his can $e calculated $y using formula & 7D / % 1'r !En 4here 7D 7ace value of $ond r return reuired n Maturity period --. 7uture Dalue of an annuity%"nd of period! A/r
× G%
-0. =resent Dalue of an annuity % "nd of period ! A/r
1'r!En + 1H
×G
% 1'r!En+1H /%1'r!En
-. 7D % at the $eginning ! A/r ×%1'r!G% 1'r!En +1H -3. ¤ Dalue of Bond =D% &oupon!' =D% 7ace value ! ¤ =D% A@r@n!' =D%7ace value! -5. Standard error of the mean L # L / srt % n! -6.=D of perpertuity A/r 4here A Annuity r int rate -8. If S is the sample space " is the even of occurance *hen =ro$a$lity of occurance of even " for n time =%"! n%"!/n%S! 09. "uation of estamating of straight line FE a'$# 4here FE estimating value of dependent varia$le # is an independent varia$le a y intercept when #9 $ the slop of trend line 01. If # and F are the two varia$les then corrleation of cofficient r r cov%#@y!/▲#▲yJ 0). (eturn on capital empolyed %(2&"!% Net profit after ta# empolyed
