Certificate Course in Finance & Financial Management

Explore the four bank benefits: safety, convenience, earning interest, and borrowing money from banks to park funds.

Discover how banks earn money by charging loan interest higher than deposit interest, and generate revenue from overdrafts, credit cards, ATM withdrawals, late payments, minimum balances, and wire transfers.

Explore common account types in financial management, including savings, current or checking, recurring deposit, and fixed deposit accounts, noting interest, transfer activity, and safety.

Define key banking terms such as reserve ratio, collateral, fixed and floating rates, credit score, high net worth individuals, NPAs, default and arrears, and KYC with examples.

Explore the basics of accounting, its meaning, and its three branches—financial, cost, and management accounting—and their uses for reporting, costing, and decision making.

Learn to categorize cash flows into operating, investing, and financing activities, including payments to suppliers and employees, asset purchases, and dividends or stock transactions.

Learn how the four financial statements—balance sheet, income statement, cash flow statement, and statement of equity—together reveal a company’s assets, liabilities, profits, cash movements, and changes in ownership.

Explore cash vs accrual accounting, comparing when revenue and expenses are recognized, and how cash flow, profitability, and taxes differ between methods.

Identify accounting standards as a common set of principles and procedures guiding financial accounting policies to maintain uniformity, with IFRS and GAAP as internationally recognized examples, alongside country-specific standards.

Understand the balance sheet by identifying assets, liabilities, and equity, and see how transactions like loans, purchases, and sales affect the balance sheet equation assets = liabilities plus equity.

Explore current and non-current assets, including cash, inventories, trade receivables, deferred tax assets, and fixed and intangible assets, plus depreciation and amortization.

Learn how liabilities are classified into current and non-current, with examples such as bank overdraft, sundry creditors, and trade payables, and concepts like interest accrued and income received in advance.

Equity represents shareholders' funds, a liability to shareholders, including share capital, reserves, and share warrants, issued to insiders and the public, with pending allotment.

Understand the income statement, or P&L report, including revenue from operations, cost of goods sold, gross profit, operating income, and net profit.

Compare single-step and multi-step income statements, tracing revenues and expenses to gross profit and net income, with EBITDA and EBIT, while depreciation, amortization, and non-operating items reveal profit before tax.

The cash flow statement shows inflows and outflows of cash and cash equivalents, using receipts and payments to reveal short term viability and avoid mistaking profit for cash.

learn the direct method for preparing cash flow statements, tracking cash inflows and outflows, and adjusting for depreciation, receivables, payables, and inventory across operating, investing, and financing activities.

Explore the time value of money (TVM) by comparing taking $10,000 now versus after 3 years, highlighting how inflation, risk, and opportunity cost influence present value versus future value.

Learn simple interest and compound interest formulas and their impact on the time value of money. Compute future value and present value under various compounding intervals.

Understand annuities as streams of cash flows at regular intervals, and learn to calculate their future value with the FVAn formula using yearly deposits at a rate.

Understand the meaning of inflation as a general rise in prices and its impact on purchasing power, measured by price indices like the CPI and the inflation rate.

Explore remedies to inflation through monetary policy, fiscal policy, and supply-side measures. Learn how central banks raise interest rates, tax adjustments, and subsidies to reduce liquidity and inflationary pressures.

Explore the meaning and functions of financial markets, mobilizing savings and providing liquidity for assets through exchange and over-the-counter trading.

Explore the types of financial markets, including capital markets, stock and bond markets, money markets, commodity markets, derivatives, forex, and cryptocurrency, with examples like Apple, BP, and Microsoft.

Cover capital markets, the market for long-term funds, including stock and bond markets, primary markets for new issues IPOs with underwriting and prospectuses, and secondary markets like NYSE and Nasdaq.

Explore how the money market handles short-term funds up to a year through liquid instruments. Identify instruments such as treasury bills, trade bill reports, commercial paper, and certificates of deposit.

Understand how stock exchanges enable capital raising, real-time prices, and liquidity, and explore bull and bear markets, short selling, value and growth investing, and mutual funds for diversification.