What is capital structure?

A mix of a company's long-term debt, specific short-term debt, common equity and preferred equity. The

capital structure is how a firm finances its overall operations and growth by using different sources of

funds.

What's authorized and paid up capital. Where it shows.

The number of stock units that a publicly traded company can issue as stated in its articles of

incorporation, or as agreed upon by shareholder vote.

A company does not usually issue the full amount of its authorized share capital. Instead, some will be

held in reserve by the company for possible future use. The amount that is issued is called the paid-up

capital. Paid-up capital can never exceed authorized share capital.

Define financial risk and Business risk.

The possibility that a company will have lower than anticipated profits, or that it will experience a loss

rather than a profit. Business risk is influenced by numerous factors, including sales volume, per-unit price,

input costs, competition, overall economic climate and government regulations.

The possibility that shareholders will lose money when they invest in a company that has debt, if the

company's cash flow proves inadequate to meet its financial obligations. When a company uses debt

financing, its creditors will be repaid before its shareholders if the company becomes insolvent.

1. Market Risk

2. Credit Risk

3. Liquidity Risk

4. Operational Risk

What do you mean by perpetuity?

A constant stream of identical cash flows with no end. Equation is PV= C/R

Define Amortization

The paying off of debt with a fixed repayment schedule in regular installments over a period of time.

Consumers are most likely to encounter amortization with a mortgage or car loan.

What is free cash flow?

A measure of financial performance calculated as operating cash flow minus capital expenditures. Free

cash flow (FCF) represents the cash that a company is able to generate after laying out the money required

to maintain or expand its asset base.

Investment Philosophy

A set of guiding principles that inform and shape an individual's investment decision-making process.

Oligopoly market,

A situation in which a particular market is controlled by a small group of firms.

An oligopoly is much like a monopoly, in which only one company exerts control over most of a market.

In an oligopoly, there are at least two firms controlling the market.

Marketing strategy

Marketing strategy is the fundamental goal of increasing sales and achieving a sustainable competitive

advantage.

Effect of cash cow marketing.

A cash cow is a product with a high market share in a low or no growth industry.

1) what does it mean by ROE? and how we calculate it?

2) what is PV? and how u calculate NPV?

3) what is derivatives?

4) what is leverage? is it good for firm?

5)what is mutual fund?

6) what are the main difference between banking and non banking financial institution?

Sub: fin n banking

2. What is NPV? IRR?(Book)

What do u mean by sensitivity analysis?

A technique used to determine how different values of an independent variable will impact a particular

dependent variable under a given set of assumptions.

Sensitivity analysis is very useful when attempting to determine the impact the actual outcome of a

particular variable will have if it differs from what was previously assumed.

What is tied up period?

What is REPO?

A form of short-term borrowing for dealers in government securities. The dealer sells the government

securities to investors, usually on an overnight basis, and buys them back the following day.

For the party selling the security (and agreeing to repurchase it in the future) it is a repo;

Break Event point

Financial statement

Records that outline the financial activities of a business, an individual or any other entity. For example:

1. Balance sheet

2. Income statement

3. Cash flow statement

GAAP

The common set of accounting principles, standards and procedures that companies use to compile

their financial statements.

DIFFERENTIATE B2n BOT & BOP

The difference between a country's imports and its exports.

A statement that summarizes an economy’s transactions with the rest of the world for a specified time

period.

Contingent liability

A potential obligation that may be incurred depending on the outcome of a future event. A contingent

liability is one where the outcome of an existing situation is uncertain, and this uncertainty will be

resolved by a future event.

contra asset

(A debit balance in a contra asset account will violate the cost principle.) Since a credit balance in an

asset account is contrary to the normal or expected debit balance the account is referred to as a contra

asset account.

intangible asset

An asset that is not physical in nature. Corporate intellectual property (items such as patents,

trademarks, copyrights, business methodologies), goodwill and brand recognition are all common

intangible assets in today's marketplace.

Fictitious asset

An asset entry recorded on the balance sheet of a business that has value to the business, but that does

not correspond to a real asset or have a resale value. Fictitious assets are used to keep track of assets

that cannot be recorded under normal accounting categories, such as prepayments or deferred

revenues.

expense vs. Cost

Cost is the price of an asset.

For example, if a manufacturing business buys a machine, the cost includes shipping, set-up, and

training. Cost basis is used to establish the basis for depreciation and other tax factors.

An expense, on the other hand, doesn't usually have an asset attached to it. An expense is an ongoing

payment, like utilities, rent, payroll, and marketing.

For example, the expense of rent is needed to have a location to sell from, to produce revenue. The cost

of a business phone is required to take calls from customers who want to buy the business's products

and services.

# What is Bank Rate?

The interest rate at which a nation's central bank lends money to domestic banks. Often these loans are

very short in duration.

# What is DPS? How to calculate it?

The the sum of declared dividends for every ordinary share issued. Dividend per share (DPS) is the total

dividends paid out over an entire year (including interim dividends but not including special dividends)

divided by the number of outstanding ordinary shares issued.

DPS can be calculated by using the following formula:

Dividend Per Share (DPS)

D - Sum of dividends over a period (usually 1 year)

SD - Special, one time dividends

S - Shares outstanding for the period

# How do u measure Market Risk?

One of the most common measures of an investments volatility in relation to the market, or market risk,

is the beta, also known as the

Vix beta coefficient. It is calculated using a statistical method called regression analysis

# What is Fiscal and Monetary policy?

Government spending policies that influence macroeconomic conditions. Through fiscal policy,

regulators attempt to improve unemployment rates, control inflation, stabilize business cycles and

influence interest rates in an effort to control the economy.

The actions of a central bank, currency board or other regulatory committee that determine the size and

rate of growth of the money supply, which in turn affects interest rates. Monetary policy is maintained

through actions such as increasing the interest rate, or changing the amount of money banks need to

keep in the vault (bank reserves).

# What is CAPM?

A model that describes the relationship between risk and expected return and that is used in the pricing

of risky securities.

1. If there is conflict between npv and irr which one will you choose

If these two projects were independent, it wouldn’t matter much because the firm can accept both the

projects. However, in case of mutually exclusive projects, the firm needs to decide one of the two

projects to invest in.

When facing such a situation, the project with a higher NPV should be chosen because there is an

inherent reinvestment assumption.

Ratios and Formulas in Customer Financial Analysis

liquidity ratios measure a firm's ability to meet its current obligations.

profitability ratios measure management's ability to control expenses and to earn a return

on the resources committed to the business.

leverage ratios measure the degree of protection of suppliers of long-term funds and can

also aid in judging a firm's ability to raise additional debt and its capacity to pay its

liabilities on time.

efficiency, activity or turnover ratios provide information about management's ability to

control expenses and to earn a return on the resources committed to the business.

Liquidity Ratios

Working Capital Working capital compares current assets to current liabilities, and serves as the liquid reserve

available to satisfy contingencies and uncertainties.

Formula

Current Assets

- Current Liabilities

Acid Test or Quick Ratio A measurement of the liquidity position of the business. The quick ratio compares the cash plus

cash equivalents and accounts receivable to the current liabilities.

Formula

Cash + Marketable Securities + Accounts Receivable

Current Liabilities

Current Ratio

Formula

Current Assets

Current Liabilities

Cash Ratio Indicates a conservative view of liquidity such as when a company has pledged its receivables

and its inventory, or the analyst suspects severe liquidity problems with inventory and

receivables.

Formula

Cash Equivalents + Marketable Securities

Current Liabilities

Profitability Ratios

Net Profit Margin (Return on Sales) A measure of net income dollars generated by each dollar of sales.

Formula

Net Income *

Net Sales

* Refinements to the net income figure can make it more accurate than this ratio computation.

They could include removal of equity earnings from investments, "other income" and "other

expense" items as well as minority share of earnings and nonrecuring items.

Return on Assets Measures the company's ability to utilize its assets to create profits.

Formula

Net Income *

(Beginning + Ending Total Assets) / 2

Operating Income Margin A measure of the operating income generated by each dollar of sales.

Formula

Operating Income

Net Sales

Return on Investment Measures the income earned on the invested capital.

Formula

Net Income *

Long-term Liabilities + Equity

Return on Equity Measures the income earned on the shareholder's investment in the business.

Formula

Net Income *

Equity

Du Pont Return on Assets A combination of financial ratios in a series to evaluate investment return. The benefit of the

method is that it provides an understanding of how the company generates its return.

Formula

Net Income *

Sales x

Sales

Assets x

Assets

Equity

Gross Profit Margin Indicates the relationship between net sales revenue and the cost of goods sold. This ratio should

be compared with industry data as it may indicate insufficient volume and excessive purchasing

or labor costs.

Formula

Gross Profit

Net Sales

Financial Leverage Ratio

Total Debts to Assets Provides information about the company's ability to absorb asset reductions arising from losses

without jeopardizing the interest of creditors.

Formula

Total Liabilities

Total Assets

Capitalization Ratio Indicates long-term debt usage.

Formula

Long-Term Debt

Long-Term Debt + Owners' Equity

Debt to Equity Indicates how well creditors are protected in case of the company's insolvency.

Formula

Total Debt

Total Equity

Interest Coverage Ratio (Times Interest Earned) Indicates a company's capacity to meet interest payments. Uses EBIT (Earnings Before Interest

and Taxes)

Formula

EBIT

Interest Expense

Long-term Debt to Net Working Capital Provides insight into the ability to pay long term debt from current assets after paying current

liabilities.

Formula

Long-term Debt

Current Assets - Current Liabilities

Efficiency Ratios

Cash Turnover Measures how effective a company is utilizing its cash.

Formula

Net Sales

Cash

Sales to Working Capital (Net Working Capital Turnover) Indicates the turnover in working capital per year. A low ratio indicates inefficiency, while a

high level implies that the company's working capital is working too hard.

Formula

Net Sales

Average Working Capital

Total Asset Turnover Measures the activity of the assets and the ability of the business to generate sales through the

use of the assets.

Formula

Net Sales

Average Total Assets

Fixed Asset Turnover Measures the capacity utilization and the quality of fixed assets.

Formula

Net Sales

Net Fixed Assets

Days' Sales in Receivables Indicates the average time in days, that receivables are outstanding (DSO). It helps determine if a

change in receivables is due to a change in sales, or to another factor such as a change in selling

terms. An analyst might compare the days' sales in receivables with the company's credit terms

as an indication of how efficiently the company manages its receivables.

Formula

Gross Receivables

Annual Net Sales / 365

Accounts Receivable Turnover Indicates the liquidity of the company's receivables.

Formula

Net Sales

Average Gross Receivables

Accounts Receivable Turnover in Days Indicates the liquidity of the company's receivables in days.

Formula

Average Gross Receivables

Annual Net Sales / 365

Days' Sales in Inventory Indicates the length of time that it will take to use up the inventory through sales.

Formula

Ending Inventory

Cost of Goods Sold / 365

Inventory Turnover Indicates the liquidity of the inventory.

Formula

Cost of Goods Sold

Average Inventory

Inventory Turnover in Days Indicates the liquidity of the inventory in days.

Formula

Average Inventory

Cost of Goods Sold / 365

Operating Cycle Indicates the time between the acquisition of inventory and the realization of cash from sales of

inventory. For most companies the operating cycle is less than one year, but in some industries it

is longer.

Formula

Accounts Receivable Turnover in Days

+ Inventory Turnover in Day

Days' Payables Outstanding Indicates how the firm handles obligations of its suppliers.

Formula

Ending Accounts Payable

Purchases / 365

Payables Turnover Indicates the liquidity of the firm's payables.

Formula

Purchases

Average Accounts Payable

Payables Turnover in Days Indicates the liquidity of the firm's payables in days.

Formula

Average Accounts Payable

Purchases / 365

4. Whats the tool to control loan?

5. What is hurdle rate?

The minimum rate of return on a project or investment required by a manager or investor. In order to

compensate for risk, the riskier the project, the higher the hurdle rate.

6. Off balance sheet items

An asset or debt that does not appear on a company's balance sheet. Items that are considered off

balance sheet are generally ones in which the company does not have legal claim or responsibility for.

For example, loans issued by a bank are typically kept on the bank's books. If those loans are securitized

and sold off as investments, however, the securitized debt is not kept on the bank's books. One of the

most common off-balance sheet items is an operating lease.

7. Window dressing

A strategy used by mutual fund and portfolio managers near the year or quarter end to improve the

appearance of the portfolio/fund performance before presenting it to clients or shareholders.

1.What is capital budgeting?(book)

2.What is CAPM & Its equation?

3.relation between EPS & P/E ratio?

P/E = price-to-earnings ratio. It is the price of the stock (either price per share or market capitalization)

divided by the earnings per share or total net income respectively). Thus:

P/E = price per share/earnings per share or Market cap/net income

EPS = earnings per share. It is net income divided the number of shares.

Both of these simple ratios have adjustments that make them more accurate. For instance, the definition

of EPS in Graham & Dodd is: Earnings available for the common shares/Weighted Average common shares

outstanding

4. difference between capital mkt & money mkt?

Money markets are used to raise short term finance (usually will be paid back in a year) and capital

markets are essentially the buying and selling of long term debt such as bonds or shares. Money raised

through the money market will usually be used by a business in times of poor cash flow whereas capital

markets will be used when a business wants to invest in capital goods to increase the production. The

money borrowed via the money market can be paid back as soon as the business is experiencing a period

of high liquidity whereas money gained through a capital market will take a long time to pay for itself.

5.NPV & IRR.

1. What is WACC?

A calculation of a firm's cost of capital in which each category of capital is proportionately weighted. All

capital sources - common stock, preferred stock, bonds and any other long-term debt - are included in a

WACC calculation.

2. What is Stock Valuation & Bond Valuation?

3. What is Financial Leverage Ratio?

Financial Leverage is traditionally measure by the amount of debt a company has versus the amount of

equity has. The most common calculation is Debt/Equity. A D/E ratio over 1 indicates that the company

has more debt than the value of the firm.

4. What is NPV & IRR?

5. Which Capital Budgeting evaluation technique is maximized owner's wealth?

1.all financial ratios

2.what is risk and return?

Risk the potential of an investment to generate a financial loss. Return the usual measure of

performance. An investment that that offers a higher potential of return also carries a high potential of

risk.

3.what is fiscal n monetary policy?

Monetary policy mostly consists of the government either buying back or selling Treasury securities on

the open market, depending on whether the Fed intends to ease or tighten (the latter is preferable

during times of high inflation). The Fed has some other tools, but they're less important.

Fiscal policy can be used to replace some of the aggregate demand lost when the economy slips into a

recession, for example by extending unemployment benefits, paying for public works projects, etc.

4.what is WACC?what is opportunity cost?

Opportunity cost is the cost of making one decision over another. If you could work for an afternoon and

make $50.00 or choose instead to spend $25 dollars going out to the movies, considering the

opportunity cost, its costing $75.00 to see that movie. If you choose to work instead, the opportunity

cost would be the enjoyment you would get from seeing the movie.

5.what is NPV n IRR?

Subject: Finance & Banking.

1. What are major financial decisions?

3. What are the major capital budgeting tchniques? In which cases NPV and IRR should be accepted or

rejected?

4. Relationship between risk and return.

5. Describe major ratios used for measuring management performance?

6. What is CAMELS rating?

The rating system is based upon an evaluation of five crucial dimensions of a bank’s operations that

reflect in a comprehensive fashion an institution’s financial condition, compliance with banking

regulations and statutes and overall operating soundness. The specific dimensions that are to be

evaluated are the following:

C = Capital Adequacy

A = Asset Quality

M = Management Efficiency

E = Earnings

L = Liquidity

S = Sensitivity

Each of those dimensions is to be rated on a scale of one thought five in ascending order of performance

deficiency. Thus “1” represents the highest and “5” the lowest level of operating performance

1.what is finance?

A branch of economics concerned with resource allocation as well as resource management, acquisition

and investment. Simply, finance deals with matters related to money and the markets.

Finance is generally the study of how money is transacted and its effect on a country. So if you major in

finance you will be essentially learning about public expenditure, income, policies..... any thing that deals

in finance.

what is time value of money, capital budgeting, capital structure, investment management?

Time value of money is the idea that the value of a dollar changes with time at any given interest rate.

It has two pieces - Future Value of money, or how much today's dollars are going to be worth in the

future (hint: its almost alwasys less!) and present value of money, or how much a future amount of

money would be worth if you had it today.

The permanent long-term financing of a company, including long-term debt, common stock and

preferred stock, and retained earnings. It differs from financial structure, which includes short-term debt

and accounts payable.

what is financial market? discuss the types of financial market?

A financial market is an environment where various types of financial instruments are bought and sold

such as money, currency, commodities and energy according to a set of rules.

money market and capital market

1. what is derivatives market, financial institution?

A derivatives market is where derivatives are traded.

Maybe you want to know what a derivative is? A derivative is a financial instrument whose price is

derived from the value of something else.

Simple derivative examples are bonds. Their price is derived from interest rates, credit spreads, etc.

More common derivatives are options and futures. They derive their prices from stocks, commodities,

currencies, interest rates, etc.

In financial economics, a financial institution acts as an agent that provides financial services for its clients.

Financial institutions generally fall under financial regulation from a government authority. Common types

of financial institutions include banks, building societies, credit unions, stock brokerages, asset

management firms, and similar businesses.

5. what is corporate finance?

Corporate finance deals with promotion, organization, capitalization, financing, investing, financial

administration of the corporation and the tools and analysis to make these decisions

1. Finance, financial markets.

2. monetary policy, main objective of monetary policy,

The aims of monetary policy differ from country to country, for example in the US the Federal Reserve is

tasked with the goals of maximum employment, stable prices, and moderate long term interest rates,

whereas in the UK, the Bank of England only aims to keep inflation at the target rate of 2%.

Historically, monetary policy has been used more for keeping inflation at bay, however in more recent

years with the current slowdown, monetary policy is increasingly being used to stimulate demand in a

receding economy.

3. Money Laundering , call money.

Money laundering is the process by which criminals create the illusion that the money they are spending

is actually theirs to spend.

In the United States, the most common use of the term "call money" refers either to money lent by a

bank to a brokerage firm on a short term basis or to money lent by a brokerage firm to a client on a

short term basis. This money can be "called" (i.e., payment demanded) at any time, usually on 24 to 48

hours notice, by the bank or brokerage firm.

On the street, when you hear the term "call money, it is more often a reference to money that

brokerage firms lend to clients to enable their purchase of stocks or commodities on margin.

The cost to the borrower of "call money" is based upon an interest rate that is market-based and

fluctuates. When brokerage firms lend "call money" to clients, their is often a service charge added to

the interest rate charged.

5 Budget , derivatives, knowledge about BB, Financial instruments

1) Difference b2in Bank & Financial Institution

There are many differences:

A bank can do the following, which the financial institutions can not. The Main items are:

1. Bank can keep custody of your money deposited in Current, Savings and Recurring deposits.

2. You can draw cheques on the bank to pay money to you or to your order

3. The banks can collect money into your accounts based on the cheques drawn in your favour and

deposited into them

2) Monetary policy & Fiscal policy

3) Capital Budgeting & Capital structure

4) NPV & IRR

5) Share & Debenture

shares represent equity of company, and shareholders are owners. they get dividends if company is

profitable, and are the residual owner after all debts are satisfied

debentures are debts of company, and debenture holders are owed debts of the company.. the

debenture holders are paid interests on the debentures

what is zero bond coupon?what is financial inclusion?

A bond that pays no moneys until it's mature or when you sell it.

But the value of the bond constantly rises according to some value like interest rates or inflation.

Bit like a stock that pays no dividends.

Financial inclusion is a policy adopted by many countries to include more people in the financial set up of

the country. It aims at tackling poverty and deprivation in the country.

1)What is short term finance?

2) what is break even point ?

3) What is broad money?

Sum-total of money and near-money( performing at least one function of money) is called broad money.

It refers to cash outside banks.

M4 = M0 + UK residents' bank deposits + deposits made by the private sector

M4 is a definition of the money supply denoting Broad Money, in the UK. The measure is equivalent to

the US M3

4) What is black Money?

The black money scam, sometimes also known as the 'wash wash scam', is a scam where con artists

attempt to fraudulently obtain money from a victim by persuading him or her that piles of banknote-sized

paper in a trunk or a safe is really money which has been dyed black (e.g. to avoid detection by customs).

The victim is persuaded to pay for chemicals to wash the "money" with a promise that he will share in the

proceeds.

more important profit maximization or wealth maximization,

• There are two forms of financial management; the traditional profit maximization approach and the

more modern wealth maximization approach.

• Profit maximization is short term strategy and focuses on making profits in the short term, which may

result in taking courses of action that could be harmful in the long term.

• Wealth maximization takes on a different, modern approach where the organization will focus on

maximizing wealth in the long run as opposed to making short term gains. 3. Financial Ratio,

4. Capital Structure of Finance.

Subject : Finance . Question :

1. What is IER ?

2. what is CAPM ?

3. Concept of repo rate ?

CRR: A cash reserve ratio (or CRR) is the percentage of bank reserves to deposits and notes. The cash

reserve ratio is also known as the cash asset ratio or liquidity ratio.

Repo Rate: Repo rate is the rate at which the banks can borrow money from a central bank of the

country in order to avoid scarcity of funds.

2. define secondary market ?

'Secondary Market' A market where investors purchase securities or assets from other investors, rather

than from issuing companies themselves. The national exchanges

5. Define IPO ?

IPO stands for initial public offering.

This is when a company which was previously privately by an individual, a family or a small group of

individuals decides to go public and offer stock for sale in it's company for the first time.

1. Fiscal policy vs monetary policy

2. Finance vs. Accounting

An accountant checks the firm's books to ensure accuracy of its financial statements. A finance major

can become one of several things, ranging from a financial analyst, to a stockbroker, to a banker, each

of which analyzes and deals in some way with financial statements and money.

3. Direct tax vs. Indirect tax

Direct Taxes are those which are directly charged in the hands of the assessee. E.G. Income Tax. The

Person who earns income pays tax.

indirect taxes are those which are indirectly collected from assessee. E.G. Sales Tax. The person who sales

collects tax from the buyer and hence the buyer ultimately pays the tax.

4. Profit maximization vs. Wealth maximization

• There are two forms of financial management; the traditional profit maximization approach and the

more modern wealth maximization approach.

• Profit maximization is short term strategy and focuses on making profits in the short term, which may

result in taking courses of action that could be harmful in the long term.

• Wealth maximization takes on a different, modern approach where the organization will focus on

maximizing wealth in the long run as opposed to making short term gains.

5. Operating leverage vs. Financial leverage

Operating Leverage (Contribution Margin / Operating Income) refers to the impact of fixed cost on

Operating Income.

Financial Leverage (Operating Income / EBT) refers to the impact of Interest cost on Net income.

6. Corporate finance vs. Managerial finance

Corporate finance is the specific area of finance dealing with the financial decisions corporations make,

and the tools and analysis used to make the decisions. The discipline as a whole may be divided between

long-term and short-term decisions and techniques. Both share the same goal of enhancing firm value by

ensuring that return on capital exceeds cost of capital. Capital investment decisions comprise the long-

term choices about which projects receive investment,

whether to finance that investment with equity or debt, and when or whether to pay dividends to

shareholders. Short-term corporate finance decisions are called working capital management and deal

with balance of current assets and current liabilities by managing cash, inventories, and short-term

borrowing and lending (e.g., the credit terms extended to customers).

Corporate finance is closely related to managerial finance, which is slightly broader in scope, describing

the financial techniques available to all forms of business enterprise, corporate or not. Managerial finance

is also interested in determining the best way to use money to improve future opportunities to earn

money and minimize the impact of financial shocks. To accomplish these goals managerial finance uses

the following techniques borrowed from Corporate finance:

7. FIFO vs LIFO\

FIFO. The LIFO costing method contrasts with the first in, first out (FIFO) inventory method, which

assumes that the cost of items sold in a period reflects the oldest cost in inventory just before sale.

As a consequence, remaining inventory valued at FIFO more closely represents current or

replacement cost.

As a practical matter, FIFO more closely depicts the physical movement of goods. Companies generally

use the oldest items in inventory first so they can continually roll the stock and prevent deterioration

or obsolescence. In times of stable prices, FIFO has been widely used and accepted.

However, in an inflationary environment, FIFO results in "inventory profits"--profits that arise merely

from holding inventory--and fails to provide the best matching of costs and revenues.

8. Fiscal policy vs Monetary policy

9. Call option vs put option

An option is the right to buy (call) a stock or sell (put) a stock at a specific price and by a specific time.

One call or put option represents 100 shares. So... if you buy a CALL on Microsoft @ 30 JUL08 it means

you can buy 100 shares of MSFT at $30 (if you want to)... If the shares are selling above $30... you may

want to do that.

Options can become very complicated. There are many ways to profit from them. It will take a long time

to learn, but it can be well worth it.

10. Financial risk vs Business risk

The possibility that a company will have lower than anticipated profits, or that it will experience a loss

rather than a profit. Business risk is influenced by numerous factors, including sales volume, per-unit price,

input costs, competition, overall economic climate and government regulations. A company with a higher

business risk should choose a capital structure that has a lower debt ratio to ensure that it can meet its

financial obligations at all times.

2. Financial risk:

It is an umbrella term for multiple types of risk associated with financing, including financial transactions

that include company loans in risk of default. Risk is a term often used to imply downside risk, meaning

the uncertainty of a return and the potential for financial loss

Personal Questions

Viva te ei proshno ta kora hoite pare je tomar bashae ki newspaper rakha hoe then ajker newspaper r

main headline news konti??

othoba dekhba je protita newspaper r upore Bangla ba Arabic date dea thake ei proshnota ask korte

pare je aj Bangla masher kon din ba Arbi mash r kondin..

28 July - 12 Shawwal 1436 A.H. - 11 sharaban 1422

Why u r interested 2 do job

I think this is an important and valuable career area and is important to society. I have worked with people

for a number of years and have developed excellent skills, such as communication, teamwork and problem

solving. This job will give me the opportunity to further develop my skills.

Why should I hire you?

As a fresher I don't have any work experience. But if you give this opportunity I assure you that I will never

let you down and your company as well. I am dedicated towards my work, I always take my work as a

challenge and complete it within given period of time. I just need a platform where I can prove myself.

War of independence sector commander

• Major Abul Manzoor (August 14, 1971 – February 14, 1972)

Sub commander- Boyra (Captain Khondakar Nazmul Huda);

Subject gular naam major er

Investment management

Public finance

International finance

Capital structure and budgeting

Money and financial market

Appreal and merchandising management

Financial management

5. Who is famous by your name?

6. Famous in your village

8. What do you know about EMBA?

Interpret and Recommend Be recognized as an expert in data analysis and interpretation. Work closely with product management to prioritize business and information needs Have a position and communicate new ideas about mobile customer engagement within

the organization to a variety of audiences, from executives to software developers. Remain informed of the cutting edge of mobile ecommerce and branding experiences,

including the latest advancements in mobile browser technology and emerging trends in usability. Be prepared to share and discuss interesting ideas that they are coming across.

Measure You will conduct full lifecycle activities to include requirements analysis and design,

develop analysis and reporting capabilities, and continuously monitor performance and engagement metrics to identify improvements and customer patterns.

Interpret data, analyze results using statistical techniques and provide ongoing reports Identify, analyze, and interpret trends or patterns

10. Tell me something about your subject

12. Mention some course name

14. What are you doing now?

15. Describe some leadership/entrepreneurial capabilities in you.

1. Introduce yourself .

Good morning Sir/Mam,

I mMd. Maruf Ahmed from Gopalgonj.

I have completed my BBA from world university of Bangladesh in 2015 batch. I have done my intermediate

in Naubhani college khulna and ssc was

completed from Damoder M.M High School.Khulna

Coming to my family,

I have 3 members family now, me and my father and my mother. We are two borther and sisters. My

father is retired from airforse and my mother is a housewife.

That's all about me Sir.

Thank you for giving this chance to introduce myself in front of you.

8. What is your greatest strength ? Give an example .

9. What is your greatest weakness ? Give an example.

My strength is I finished my work with in the time and also my family is my strength. My strength is I like

to learn new things and technology and I adapt myself to the situation and I'm a person with positive

thoughts.

Nervousness to speak in Public places but not big issue for me I am trying my best and lack of

concentration.

Mobile data analyst

Subject knowledge

HTML

CSS

Wordpress

Zoomla