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Key Ratio Analysis



Ratios, ratios, and more ratios! What do they really mean? Many financial professionals,
including bankers, use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner?

Attend this proactive seminar and learn a “five-step” analysis plan including liquidity,
activity, leverage, operating performance, and cash flow analysis which will clarify and “unify” this often confusing financial subject. Upon completion of this seminar, the bank employee will be able to better negotiate with their business clients as well as other financial professionals.

The session will also include a review of “spreading” a financial statement using the Moody’s Risk Analyst software in order to analyze key ratios. This section will also include the bankruptcy (Z-score) predictor and sustainable growth models.

Two case analyses will be presented to illustrate the main concepts associated with key ratio analysis.

Major Topics

• Utilize a “five-step” ratio analysis plan to correctly interpret the financial condition of the business client
• Practice “negotiating” with other financial professionals using the ratios
• Review the Z-score and sustainable growth models
• Case analyses: Applying the concepts!

Note: Please bring a calculator or laptop (with Excel) for use in the seminar.


  • Commercial Lenders Credit Analysts
  • Branch Managers Loan Documentation Specialists
  • Private Bankers Business Development Officers

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