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Frequently Asked Financial Modelling Questions and Their Answers

Financial Modeling as a range of abilities is required to score organizations, value, Investment banks, exploring houses, mutual funds, and monetary KPO’s and undertaking fund organizations. Financial Modelling is an all-encompassing field of aptitude that takes into account the need of financial specialists for inside and out learning, in light of the two realities and presumptions with reference to whether interest in a specific organization will be beneficial or not.

The utilizations of these ranges of abilities are enormous thus one must pick up inside and out information of these aptitudes and hands-on understanding to make vocation in monetary displaying.

Here are a few questions that all finance aspirants must have come across at one time or the other.

Would it be advisable for me to go for MBA or CFA?

On the off chance that you are considering influencing a vocation in financial management, to go for MBA and in the event that you need to examine back, go for CFA. Both instructive capabilities can land you a position in the money related examination and research division.
Full time MBA shapes your identity as you cooperate with the workforce, other similarly invested individuals and participate in assemble entries.
In the first year of MBA, you will learn general subjects. In the second year, you can concentrate on maybe a couple subjects and do the specialization.
Then again, CFA program is centered on Financial Analysis and spreads subjects like Portfolio Management, Equity, Derivatives and Fixed Income, in detail.
In spite of the fact that it absolutely relies on the individual whether he/she ought to go for MBA or CFA, a portion of the main components is the individual’s enjoying, the capacity to contemplate freely, accessible time and money related condition.
Both of the courses is adequate to you began in financial modeling.

Do I have to finish MBA to land into positions in Financial Analysis?
In no way, shape or form!
You don’t have to finish MBA to get into financial modeling vocations.
There are many particular projects which concentrate on financial modelling in detail and are perceived in advertise. Such projects concentrate on information and function that furnishes you with certainty and range of abilities.
To put it plainly, they offer specializations which set you up for the occupation in future. Some of them even have tie-ups with great organizations and can get you situations.

Is Training Necessary?
To get into financial modeling vocation employments, you have to learn financial modeling and go for Best Financial Course and practice it. You have to choose which program is reasonable to you and whether you are energetic and resolved to put in the required diligent work.
On the off chance that you fit in the qualification criteria and have the correct outlook required for such professions, there are astounding projects accessible in Financial Training.

There is an immense request of financial experts having such vital ranges of abilities and with the correct system, instruction, expertise, experience and information, you can expect great offers from organizations.
We at Imarticus Learning offers financial modeling courses for those finance aspirants who wish to have a career in this field.

  • August, 29th, 2017
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The Way Banks Have Evolved Over Time

evolution of Banking

With banking direction at a record-breaking high, quantity of establishments seems, by all accounts, to be at an untouched low, and still on the decay. Mergers and acquisitions are on the ascent, yet sanctions proceed on a descending winding, with states the nation over all observing comparative patterns.

So where has all the managing an account was gone and what is banking today? Merriam Webster characterizes banking or investment banking “as the matter of a bank or financier.” In substantial part, that business includes sending stores as an advance to borrowers; these assets having been acquired through a development of stores and capital.

fintechIt shows up as though purchases and organizations alike are looking to elective wellsprings of financing generally alluded to as FinTech; sources outside of customary banks, where endorsing necessities may be fairly more liberal, terms more adaptable and insurance all the more broadly characterized.

Today, that same industry part could now be all the more in exactly depicted as a “wellspring of assets,” which can, as a rule, be gotten to on the web. This makes the loaning exchange geology unbiased and speedier from application to endorsement to financing.

Consider the accompanying option loaning choices:

Peer-to-Peer (P2P): where an online stage matches moneylenders and borrowers in light of specific information which can be electronically assessed momentarily; loan specialist overhead expenses are commonly lower and financing costs focused in light of the credit nature of the borrower. “In the vicinity of 2014 and 2015, the estimation of worldwide P2P loaning was relied upon to ascend to an esteem seven times what it was in 2014 – from 9 billion to 64 billion U.S. dollars. By 2050 the esteem is relied upon to be near one trillion U.S. dollars.”

Crowdfunding: for the most part don’t require reimbursement and ordinarily get financing from an expansive number of little commitments from people who bolster a specific business’ procedure and potential effect. Crowdfunding can appear as a value venture whereby the speculators advantage from future income and capital development of an organization, a gifts/rewards display, a loaning model or a consolidated model. It is evaluated that there are more than 375 crowdfunding stages in the United States alone and well more than 500 around the world. A few sources have dollars raised at over $8 billion. Be that as it may, given the assortment of stages used to request supports, a correct sum can’t be resolved.

Figuring and Merchant Cash Advance: ordinarily, applies to less credit-commendable borrowers who get to financing in return for an expense and are reimbursed through the receipt of money on records of sales and future credit deals individually. A gauge for the overall volume is this space surpasses $3 trillion.

In spite of the fact that FinTech organizations keep on gaining energy using Big Data and innovation, conventional banks keep on holding by far most of the loaning piece of the overall industry. May 2017 measurements distributed by the Federal Reserve demonstrate add up to bank resources at $16,241.5 billion in the United States with $12,591.6 billion of that gathered in bank credit “i.e. loaning”. Still, as a rule, more stringent endorsing norms at customary banks have cut off access to certain new companies or battling organizations and therefore FinTech has ventured in to offer an option. A 2014 Fortune magazine article notes “… Startups in the monetary innovation field, or “fin-tech” as it’s normally called, are blasting, and huge foundations, for example, Bank of America, Citibank, and American Express are emptying cash into these agile new organizations to meet present day administrative, computerized and security challenges. Wander interest in worldwide FinTech tripled in the vicinity of 2008 and 2013 to $2.97 billion and is relied upon to reach $8 billion by 2018.”

While the field of Finance in terms of the industry has gone through various radicalizing changes, it has also resulted in great changes on the academics part of the industry. Today many top banks are seeking candidates who are thoroughly industry endorsed and have a formidable set of skills.

  • August, 24th, 2017
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How Ratio Analysis helps Modern Age Financial Analyst?

Most industries have a set of tools or a path which the professionals in that trade use to deliver the promised outcome. Ratio analysis are essentially quantitative tools used by people working in the financial profession, to analyse sets of financial information. This information is contained in the establishment’s financial statements.

Understanding Ratio Analysis

Ratio analysis is based on the headers from the financial statement like the balance statement, income statement, cash flow statement etc…, ratios of either one of them or with a permutation of some items is compared with another combination, and then calculated.

Ratio analysis is basically an evaluation tool to examine various aspects of functioning of a company, understanding its financial operations, like liquidity, efficiency, profitability etc…,

Trend analysis is further done on the ratios to understand if they are declining or refining.

Ratios are usually also compared with different companies falling in the same sector, to understand and run comparative valuations. Ratio analysis thus becomes the foundation of fundamental analysis, further assisting the company to make appropriate investment decisions.

Ratio analysis, to largely put it, can be done under any grouping, as far as the features are comparable. Some common categories are – Ratio analysis by department, industry, period, company, the age of the company, geographical location, ratio analysis for intercompany elements.

Conducting ratio analysis is only half the job done, without words describing them and

assigning meaning to it, the analysis will only be another set of numbers.

In current times there is much-sophisticated accounting software’s that are capable of conduction the ratio analysis.

However, a person in the financial professional is the one who guides and raises the need and importance to do it. Like for example, a financial analyst in investment banking, who manages and reports on investment portfolio will base the investment path on ratio analysis to make informed decisions. The most commonly calculated class of ratios are, investment, profitability, performance, financial liquidity, stock market ratios etc…,

Advantages of Ratio Analysis

  • Most numbers found in the financial statements will have no meaning or understanding, hence a financial analyst uses the preferred method of ratio analysis to give meaning to the numbers.
  • It helps the heads of a department or of an institution to understand trends, and base projections in the future, for an item from the financial statement, deciding its course.
  • After calculating, the investment analyst will be better able to decide to invest in a project or not, thus Ratio analysis assists in better decision making.
  • Ratio analysis can be done across sectors within the industry for financial factors, it thus helps compare one’s growth and performance with another, giving a parameter of performance.
  • Enhancing a performance of a department, becomes easy, performing ratio analysis will throw light on the health of a department, if it is excelling or needs improvement, and if so, how can it be financially supported. Such a report card can be made with the help of ratio analysis.

Ratio analysis help flag early signs of warning, of either a fall or deterioration or an improvement in the financial performance of a company or an institution or individual investments. Analysts continuously work in understanding the impact and raising alarms if required for the company or individual stocks. Over analysis could also have a negative impact, as there is an availability of ratios. A point to remember is that ratio analysis is to make things simpler and not over complicate strategies and investments.

  • July, 12th, 2017
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Career in Finance – Financial Prodegree By Imarticus Learning

There is a saying ‘Those who Can’t do, Teach’, with due respect to all teachers, Imarticus does not believe in that. Imarticus believes if the teaching has to be effective and if the learning has to be relevant to the job, then the teachers have to know how to excel in those areas themselves. One of the key highlights of any financial Prodegree course you take with Imarticus is that their faculties are domain experts. They have a unique experience of corporate understanding and domain expertise along with a passion for teaching. They have all independently established a brilliant track record in their previous roles.

In collaboration with EY as a knowledge provider, after intensive research, Imarticus has come up with 180 hours of skill building program, the Financial Prodegree, covering accounting, financial modelling, valuation and equity research. The courses are designed to build the skill gap faced by most organisations while recruiting.

A financial analyst is the most coveted role in the financial services industry. And what differentiates a good financial analyst from an average one is not only knowledge but the practical applicability of the theories that they know.

At Imarticus, to begin with the knowledge that is shared is industry endorsed, which ensures it is relevant in today’s time, secondly the learning methodology is not just in the form of lectures, but is very experiential, it has self-based videos, case studies and most importantly well-designed projects that prepare you for real life situations once you start your career.

The program has a good mix of academics and learning, catering to experienced professionals and novice’s candidates, with applications ranging from investment banking, mergers and acquisitions, private equity and research. It gives practical application to various valuation theories.

Imarticus assists you not only in the theoretical or practical application of theories, but the support is extended to building your personality, shaping it with the expectation of the big corporates. Communication skills, PowerPoint and Excel proficiency are also a part of the skills that are built. They understand that a good financial analyst is not only someone who assess the financial health of an organisation but someone who is also able to translate his findings fluidly to the core team.

We understand that no course is complete till the candidate finds a suitable job, with that objective Imarticus assists you in resume building, interview prep, and mock interviews, all preparing you for the challenges, so that you land the job you desire and springboard into action.

The financial rewards of being a financial analyst are very appealing, however, starting right is the key. Imarticus gives you the right platform with a well-researched and effective course, delivered through the most operative methodologies, by the finest faculty, who can add value, and overall give you a unique learning experience and a professional boost to your career.

  • April, 28th, 2017
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Importance and Scope of Corporate Finance

One can describe corporate finance as managing financial activities involved in running a corporation. It involves managing the required finances and its sources. The basic role of corporate finance is to maximise the shareholders’ value in both short and long-term.

Corporate finance understands the financial problems of the organisation beforehand and prevents them. Capital investments become an important part of corporate financial decisions such as, if dividends should be offered to shareholders or not, if the proposed investment option should be rejected or accepted, managing short-term investment and liabilities.


Corporate finance is different from business finance, while business finance refers to finance to all types of business such as partnership firms, joint stock companies, etc.., corporate finance includes, planning, raising, investing and monitoring of finance in order to achieve the financial goals of the organisation.

Finance Planning 

In the planning phase, corporate finance needs to get a clear perspective on certain aspects, essentially the finance of the company has to be decided on questions like, what are the sources of finance, how much finance is required by the company and will it be profitable?


Raising Capital

Making capital investments is perhaps one of the most important tasks of corporate finance, which has serious business implications. To raise the finance, the corporate finance has to raise money from the company with the assistance of sources like shares, debentures, banks, financial institutions, creditors etc.., a company may also choose to sell stocks to equity while raising long-term funds for business expansion. Capital financing is a very delicate balancing act. Corporate finance is also supposed to manage short-term financial management with a goal to have enough liquidity to carry out other operations of the organisation.

Investing Capital

There are two types of corporate finance, fixed capital and working capital. As the name suggests fixed capital is used to purchase fixed assets like land, building, property, machinery, etc.., while working capital is generally used to purchase raw material and manage day to day fixed expenses like overheads, salaries etc..,.Financing and investing decisions are like two sides to the same coin. The organisation raises finances only when they have suitable projects. In corporate finance there are various tools and techniques which help take appropriate informed investing decisions, hence it is very vital for the financial health of an organisation.


Monitoring the Finance / Managing Risks

Monitoring finance is a science, there is a method to it, it is a very complex job. It requires many tools and techniques. Corporate finance has to control and manage the finance of the company, they have to minimise the risk of investment and at the same time assure maximum returns on the invested capital.

Imarticus Learning is a professional educational institute that deserves a noteworthy mention. This institute strives to bridge the gap between the industry and academics through their offerings of certification courses in Finance and Analytics.
They have been acknowledged numerous times, for their contribution to the field of professional learning, with various awards. Their EY Finacial Analysis Prodegree is one such course, which is considered to be one of the best in the finance community that helps you create enough comprehension of modern financial requirements and will usually be dedicated to understanding Corporate Strategy, why companies exist and how they make money.

So to conclude, finance is the bloodline of any business, it is required in all kinds of setups, big or small, it is required across all phases in the lifecycle of an organisation, to initiate, build stability, survival, and also in the growth of an organisation. Promotional finance is required to start a company, long-term finance is required to build assets, and development finance is required for growth, expansion and diversification of a business.


Visit Imarticus Learning: Jumpstart your career at India’s leading Financial Institute.

  • April, 26th, 2017
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What is a Financial Analyst and How do you Become One?

If you see yourself as a person working in the financial services industry, Financial Analyst should then be your chosen field, as it is one of the most revered titles in the finance industry.

A Financial Analyst is essentially a person who performs financial analysis at a micro and macro level to understand the health of an organisation and further give suitable recommendations. They also suggest a course of action, which would be something like recommendations on buying or selling a company stock based on its current and predicted strength. It is expected of the analyst to be aware of the current developments in the field in which he or she specialises, as well as having the ability to prepare financial models that predict future economic conditions across possible variables.

One of the key responsibility of the financial analyst is not only to manage financial data but also to summarise them through a presentation, reports and statistical analysis.

The financial analyst job is much like the financial planner; most times you would see a financial analyst is working very closely with the financial planner to come to some conclusions related to investment choices. Although it is important to note that the job of a financial analyst calls for a higher level of expertise. It is more holistic and demands certain specific skill sets.

Financial analysis is done in a structured manner which primarily covers fundamental analysis, ratio analysis, financial modelling and valuation.

We can divide the role of financial analyst into two parts, those who work on the Buy-Side and those who work on the Sell-Side. An analyst on the buy side works with companies that have money and need help with investment strategies. People on the sell side help the companies price and sell their products, these companies are usually investment banks and securities firm.

Research suggests the financial analyst job sector is predicted to grow by 15.5% in the decade spanning the year 2012-2022. That figure alone predicts close to 35000+ jobs in the US alone. A financial analyst can play many roles and execute multiple responsibilities. Investment analyst, money market analyst, mergers and acquisition analyst, budget analyst are but a few recommendations.

So how do you get started?

To begin with, if you have a majored in computer sciences, biology, physics or even engineering, you are already in the favourable pool. It is easier for people from these backgrounds to start at an entry level position. If you are an MBA graduate it would be possible that you start as a senior analyst. A degree in Business administration, accounting, finance or statistics gives a springboard to your growth within an organisation, although it is not a prerequisite to being an MBA to become a financial analyst.

To become a successful financial analyst one needs to be proficient in a wide variety of skill sets, they might include-

Financial modelling, it is a mirror that shows if an organisation is in need of additional funds, analysing and defining the risk level. Basically, it is a tool, an abstract model of a real world financial situation. There are various valuation and forecast theories that exist and the financial analyst is able to recreate events in an interactive calculator referred to as a financial model. Accounting skills, the flexibility with numbers is a prerequisite. Knowledge about the equity research goes hand in hand to create an entire package. But most importantly the ability to connect with people, to be able to translate your financial finding in the right way, through the right tools is also a must. Being fluent in your soft skills does not only mean the ability to communicate, but also the ability to use excel and PowerPoint to your advantage.

If you are a beginning or an MBA graduate or a major from any field, there are many certified institutions which offer comprehensive courses that help you acquire a detailed understanding of the role and also provide with experiential learning methodologies in close association with the industry experts, thus giving you the backing required to excel in your chosen field. They also help you with placements as they are well connected with firms who have need of such professionals.

A career in financial analyst offers financial security, it also gives you the opportunity to help in shaping the finance industry.
So if this interests you, then it is recommended to get the required skill sets and get started.
Imarticus Learning is India’s leading professional education institute, offering certified industry-endorsed training in Financial Services, Investment Banking, Business Analysis, IT, Business Analytics & Wealth Management.

Imarticus Learning is offering the Financial Analysis Prodegree, in association with EY as the Knowledge Provider, It is a skill-building programme covering accounting, financial modelling, business valuation and equity research.
Through the programme, the participants gain knowledge which helps them to build a career across a wide variety of roles in corporate finance and investment banking.

The Imarticus Learning Career Services and Placements team provides you guidance and assistance throughout the program, giving you the best career opportunities in leading international firms.



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  • April, 25th, 2017
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Cost Cutting Initiatives – Case Study

It may seem that there has been a certain disequilibrium set to motion in the sphere of financial services in general and Investment Banks in specific. While although a new year is bound to bring about new and encouraging changes, it seems to have dimmed those aforementioned possibilities for the world of Investment.

It all began with the “Waterline Project”, which is considered to be a cost cutting initiative of Nomura. The CEO, Koji Nagai Nagai, gave out a statement saying, “The waterline on a warship will rise a centimeter each year if the crew brings excess baggage. Before you know it, the ship would sink.” It has been announced that Nomura will begin ‘trimming’ the staff, which it proposed to do by cutting about 900 heads, beginning April 2016. The said cost cutting has a focus on getting more and more out of the existing employees, in terms of productivity. It would involve overseeing the work passed on to subordinates, by their heads. While on the other hand, the relevance and importance of certain tasks and reports will also be reviewed. Nagai was of the opinion that, “to be honest, this company can do so much to control costs. There will be resistance.”

Another investment banking firm, Credit Suisse, has seemingly taken a similar route. It has already slashed down about 1800 London heads, in the year 2016. According to a report by Financial News, it has reportedly asked all of its employees, that they must pay for their own mobile phones. It is believed that Credit Suisse is bound to cut CHF4.3 billion by the year 2018 and in this process, it seems every little bit helps. Many believed that this year would have things looking in the positive, mainly owing to a couple of good quarters, but it so happens that disappointment is the order of the day. The silver lining here possibly seems to be the fact that 2016 saw fewer job cuts as compared to any other year. Investment pundits believe that banks are on their way to use technology, in order to chip away at the trading floor. It may seem that the glory days are probably breathing their last.

Daniel Pinto, the CEO of JP Morgan’s Investment Bank, stated that he believes they are down by 1% on 2015. The fixed income revenues, which have been tumbling for quite some time now, have seemingly found their base, this past year. Banking Corporations have already begun to allocate lesser resources and staff to their investment banks. This is a telling sign that any rebound in the revenues, is bound to have far less impact on the overall picture, as compared to what it used to in the year 2007.

Meanwhile, the other news snippets on the Investment Bank front include, the surprising fact that Jamie Dimon, happened to be the only bank CEO to buy company stock in 2016. Hedge Fund paychecks have a stark contrast when it comes to paying their Data Scientists as opposed to their Portfolio Managers. While on the bright side, Mergers and Acquisitions are bound to boom this year, especially with Goldman Sachs topping the M&A league this year.

Loved this blog? Read these similar blogs as well:

Evolution of Investment Banking

Working in a Boutique vs a Bulge Bracket Investment Banking Firm

The Difference between Investment Banking And Equity Research


  • March, 6th, 2017
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Why FinTech Seems to be Thriving

It seems that the sector of financial technology, which was touted as many as the new kid on the block, has had a fair share of failures. Some of the big guns in this field including OnDeck and Lending Club have reportedly experienced some mighty losses and organisations like CAN Capital stopped lending altogether. There seem to be a lot of experts and industry pundits, who are all of the collective opinion that “the bloom is finally coming off the rose.” This happens to be a figurative telling of the certain bumps and losses incurred by this field. But a majority are still siding with the silver lining and it may seem that this sector might really be thriving. The recent events are not news for the FinTech industry, which is because every single industry undergoes them. Regardless of whichever sector it is, the market leaders usually happen to jump to an advantage.

But a majority are still siding with the silver lining and it may seem that this sector might really be thriving. The recent events are not news for the FinTech industry, which is because every single industry undergoes them. Regardless of whichever sector it is, the market leaders usually happen to jump to an advantage, thus leading to the growth of the industry. Now, that the industry grows, it also multiplies the number of players entering into
the market space. Some players happen to participate in the distinct competition as their ventures grow and as is the case, some players cannot really make it. It’s the most basic rules of capitalism, where although all entrepreneurs take risks, some may succeed while other may miss the mark.

FinTech is most likely thriving mainly because it happened to extend its capital access, to almost everyone. Per say, there were no discriminations whatsoever as minorities, women, immigrants and all the others who were under served, were provided with a level playing field by technology. This could not have been a plausible scenario a few decades ago when one could meet a venture capitalist at a cocktail party and get themselves a six figure financing deal. While people who were natives and higher up on the societal runs totally got to benefit from this, those of lesser economic means always struck out.

But today with technology advancing, lenders are able to have accurate data about their potential borrowers. This way the risk factor goes really down and efficiency increases. Similarly, FinTech has begun to take India by storm, by revolutionizing the electronics payment industry. It cannot be denied that banks are slow when adapting to change which is why it takes a while for FinTech companies to break into the market. But another thing working in favour of this sector is that the investors have short-term goals, thereby they’d want to quicken the process of things while expecting quarterly results.

But most important of all, we cannot overlook the fact that technology has transformed the banking sector thoroughly. Today it is actually possible for a person to never step inside a bank to carry on their personal transactions. We happen to live in a time where you can actually accomplish everything at the click of a button. With large banking corporations investing in technology to make most of their application processes to go online, there is a sure chance of FinTech not only thriving, but becoming a flourishing business. Many finance aspirants have noticed this and have begun to learn the ropes by taking up training programs, offered by professional training institutes like Imarticus Learning.

Imarticus Learning teams up with leading Global FinTech players to bring to you a first-of-its-kind Global FinTech Symposium. FinTech, or simply put, Financial Technology, is an industry composed of start-ups and established companies trying to replace or disrupt traditional financial processes with the use of technology.

This is an upcoming industry and has the potential to impact every single person and therefore makes it one of the fastest growing areas for venture capitalists. We welcome you to join this FinTech consortium where our panelists from global organizations will share their journey and experience on what it takes to excel in the world of FinTech.

Register Here.

  • February, 24th, 2017
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How Are Investment Banks Able To Contribute To The Economy


Investment banks are generally very popular for two very broad roles. Firstly, they are supposed to carry forward the roles required for the smooth functioning, of the financial markets and secondly, they are the sole conductors of trading. Investment banks perform the most critical functions as they cater to the present and future, financial consumption needs across various corporations and firms. As a seasoned finance aspirant, with a minimal experience, would know, these banks differ greatly from commercial banks. The primary goal of commercial banks is service to private individuals, while on the other hand, the investment banks primarily serve various governmental and private organizations.

investment-bankingToday, almost all the economies, are mixed economies on a certain level and as a result of this, depend predominantly on investment banks, so as to raise their funds. One of the major contribution of any investment bank to the economy is, what is known as ‘adding liquidity to the market’, this is basically done by matching potential investors with the potential sellers of stocks. Basically, it is these banks which are supposed to perform as the epicenter, of all functions especially when it comes to the advancement of a company, in financial terms. Those investment bankers, who facilitate in bringing about similar changes, are then given the status of being intermediaries or middlemen, in the more lay man context. The path breaking difference that these banks make, is that they are able to perfectly match those ready to provide investments, with those in search of investments. This then contributes to the growth of businesses and in turn boosts the progress of the economy.

Another way that these banks contribute to the expansion of an economy, is through estimating the current market rates. This is accomplished by collaborations with the commercial banks, earlier these two banks were supposed to be independent of each other. Today, the scenario has drastically changed with commercial banks and investment banks, carry on their functions under the same roof. It is important to be noted, that it was only the country of USA, which had successfully and legally separated the functions of the two banks once.

Today, although the functions of both these banks are technically independent of each other, but it is an established fact, that these interest rates, would definitely influence each other. The field of corporate finance has always had a certain allure for anyone, who has ever belonged to the world of finance. With those influencing stock exchanges, sophistication of all the top banks, as well as all the handsome rewards, that are offered to almost everyone in this field. These and many others are reasons as to why, sterling careers in the field of corporate finance are practically sought after by almost everyone, belonging to the same background. But at the same time, as the competition is high, it requires for an individual to have an edge over their contemporaries. This is why there has been quite a lot of demand for certification programs like diploma in corporate finance or specialization in investment banking and its other branches provided by Imarticus Learning – Professional Investment banking and finance training institute.

  • December, 30th, 2016
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Introduction to Non-Banking Financial Companies

By Zenobia Sethna

Non-banking finance companies (NBFCs) have scripted a fantastic success story so far in India. Leading NBFCs are bigger than many Public Sector Banks.


Types of NBFCs:

Types of NBFCs

Factors contributing to the growth of NBFCs:
• Stress on public sector units (PSUs)
• Dormant credit demand
• Digital disruption, especially for micro, small and medium enterprises (MSMEs) and small and medium enterprises (SMEs)
• Uptick in consumption
• Superior distribution reach and sectors where traditional banks do not lend

Key Challenge:
• NBFCs on both individual and collective basis need to build an open ecosystem for capacity building.
• To keep up with the growth trajectory in the face of heightened regulations, it is the quality of its staff which will determine the health of the sector.

Imarticus Learning offers a comprehensive range of professional Financial Services and Analytics programs that are designed to cater to an aspiring group of professionals who want a tailored program on making them career ready. Our programs are driven by a constant need to be job relevant and stimulating, taking into consideration the dynamic nature of the Financial Services and Analytics market, and are taught by world class professionals with specific domain expertise.

  • December, 27th, 2016
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