IBA Numbers Talk & Bankers Need to Listen! 2023 | Iowa Bankers Association | 1 February 2023 | Iowa Bankers Association, 8901 Northpark Dr, Johnston, IA 50131, USA

This one day seminar will provide lending professions with practical tools to understand business cash flow variables; including gross margins, ratios, and cash flow statement components. Focusing on calculating and interpreting ratios and cash flow, the participants will understand what the borrower’s financial statements are saying. This practical interactive seminar will include actual lending stories, allow participants to ask questions and interact with other bankers, as well as discuss solutions using real life cases.

In this full day seminar, the following will be addressed:
• Types of financial statements and quality of information
• What truly comprises gross margin and what causes it to change
• How to analyze any ratio and determine cause(s) of change
• How to calculate and interpret key lending ratios: current, quick, working capital, accounts receivable days, inventory days, financial and operating leverage
• How to calculate traditional cash flow with adjustments for special circumstances
• Global cash flows: models and mistakes
• Uniform Cash Flow Analysis, including how to analyze in less than 5 minutes

Who Should Attend:
Commercial lenders, business and retail bankers, credit analysts and others interested in commercial lending.