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Cash Flow Analysis: Inspiring Cases, Analysing Companies (Part 2 of 2) - Online Course (Live Session)

pencil CPE: 14.5 hours CORE (both sessions)

calendar 20 April

clock 7.00pm until 4.00am

location Castille, Casa Leone, Floriana

Full programme and registration form available here ​  

Please note that this course will take place online as a live session maximizing interaction between the trainer and participants. To participate you will need a laptop, webcam, earphones with microphone and a wifi connection. The week prior to the commencement of the training we will send you all the necessary joining instructions.


Banks play a crucial role in allocating financial resources. Many companies in a country are dependent on the loans and credit facilities that banks provide. Meeting the demand of these companies for financial resources in a sustainable way will support social and economic developments. The workshop is intended to help staff to do their job efficiently and thoroughly. After finishing the programme, all participants should be able to:

Systematically determine the operating and financial strength of a specific borrowing company. Linking operational and financial issues gives a strong analysis and protection against unreliable financials and weak business plans. Finally, the participants will be able to judge the level & predictability of future cash flows and to assess a risk rating by hand

Help the borrower to set reasonable goals in terms of financial condition and growth and proposing/discussing a strategy when a borrower is facing potential future financial difficulties

Understand the importance of loan monitoring, a pro-active attitude, and acting like your customer’s “financial partner” in order to improve the risk profile and to avoid bad loans.

Give concise and clear conclusions and recommendations to credit committees/management


The workshop is created for relationship managers & credit analysts at banks and everyone else who is interested in financial analysis and in tricks and tips to improve their efficiency. Both senior and junior staff will enjoy the real-life examples and the lively discussions.


Using a 10-step approach (a “Toolbox”), the participants analyse real-life situations and assess strengths and weaknesses in a clear & concise way. In lively discussions, they share their expertise, experi- ence, observations, and analyses. It is exciting and fun. On all cases and exercises, the participants will receive documented answers.


Our goal is to judge the level & predictability of future cash flows and to assess a credit risk rating by hand. The following subjects are needed to make this judgment and will be covered in the workshop:

• Identifying warning signals in the cash flow statement
• Measuring the debt burden
• Judging liquidity
• Preparing a financial projection to assess future cash flow quality • Drafting an industry analysis

• Assessing management quality and reliability of financial information • The impact of the corporate strategy
• The impact of technological disruption
• Managing your corporate client

• Parent/subsidiary issues and structure risks
• Assessing a risk rating by hand (=not by computer)



Outline of the programme & individual expectations

What are the wishes of the participants?

The toolbox

A practical 10-step framework for credit analysis

Cash flow analysis

The importance of cash flows, calculating cash flows and identifying warning signals

Profitability, debt burden and liquidity

Refreshing this part of financial analysis as well

Industry analysis and “Product Life Cycle < > Cash Flows”

Tools to assess the Business Risks, which is part of the operating strength of a company

Case “A profitable retailer still going bankrupt”

What went wrong?

Financial projection “Back to the Future”

How to make a financial projection: We go back in time and find a solution how we could avoid the bankruptcy of the retailer


About yesterday: learning points & questions?

Updating the group’s “AHA-list” to register views & ideas​


Test each other’s knowledge: The cards contain questions and answers

Bad Loans: Voluntary Debt Restructuring

The World Bank & U.N. about out-of-court debt restructuring, discussions


2 Different strategies, which is best?

Ready for expansion?

When is a borrower ready for expansion?

Management’s Attitude & Reliability of Financials

Learning an easy and effective tool to assess these items & warning signals

Case “Company Easy Bikes Ltd. is being sold”

Are the financials reliable? What about the business risks? Are the owners “on the hook”?


New vs. old technology

Conclusion & Evaluation

Filling out the evaluation forms

Investing in Skills Scheme

Candidates may be eligible to claim part of the cost incurred under the Investing in Skills Scheme.  Click here for further information.  Applications forms must be received by the Investing in Skills Unit at least 21 calendar days before start date of training.

A discounted price is available for students.  Booking is subject to availability and on presentation of a valid student card.

Tags: flow, cash, Cash Flow Analysis, cashflow, Finance