Financial Ratios

LIQUIDITY
(Current Assets-Inventory) /
Quick Ratio
Current Liabilities
Current Ratio Current Assets / Current Liabilities

PROFITABILITY
RATIO CALCULATION
Return on Assets (ROA) Profit After Tax / Total Assets

Return on Equity (ROE) Profit After Tax / Net Worth

Net Operating Profit Margin Net Operating Profit / Net Sales

Gross Profit Margin Gross Profit / Net Sales

LEVERAGE AND COVERAGE

RATIO CALCULATION
Net Worth Total Assets - Total Liabilities
Tangible Net Worth Net Worth - Intangible Assets

Debt to Worth Total Liabilities / Net Worth

Interest Coverage Operating Profit / Interest Expense

Net Income + Interest Expense +
EBIDA
Depreciation + Amortization.

ACTIVITY
RATIO CALCULATION
Accounts Receivable Turnover
(Accounts Receivable / Sales) x 365
Days
(Inventory / Cost of Goods Sold) x
Inventory Turnover Days
365
(Accounts Payable / Cost of Goods
Accounts Payable Turnover Days
Sold) x 365
Measures the coverage of current assets minus
inventory over current liabilities.
Measures the coverage of current assets over current
liabilities.

DEFINITION
Measures the effectiveness of management at making
a profit and using the assets efficiently.
Measures profitability as a percentage of net worth.
Measures profitability after Cost of Goods Sold and
Operating expenses.
Measures profitability accounting only for Cost of
Goods Sold.

DEFINITION
This is the Owner's equity in the company.
This is the Owner's equity in the company adjusted by
taking out intangible assets.
Very important ratio determines the relationship
between leverage and equity. The lower the number
the better.
Reflects the capability of the borrower to meet
financing obligations. The higher the better.
Earnings before Interest, Depreciation and
Amortization.

DEFINITION
Number of days that it takes the company on average
to collect its receivables
Number of days it takes the company on average to
sell its inventory.
Number of days it takes the company on average to
pay its payables.
 2009-10

1 Paid-Up Capital 1.00

2 Reserves & Surplus 0.81
3 Intangible Assets -
4 Tangible Net Worth 1.81
5 Adjusted TNW 1.81
6 Long term Liabilities -
Unsecured loans from Promoters / family
7 0.31
included under (5)
8 Capital Employed(4)+(6) 1.81
9 Net Block -
10 Investments -
11 Non-Current Assets 0.27
12 Current Assets 2.58
13 Current Liabilities 0.40
14 NWC 2.18
15 Net Sales
Domestic 22.01
Export -
% growth
16 Long Term sources
17 Long Term uses
18 Short Term sources
19 Short Term uses
20 Surplus/Deficit
21 FACR
22 Return on Equity %
23 Return on Assets %
24 Average DSCR ( for proposed Term Loan)
Scribd
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ICICI Banki
###
8960164.xls (Form
Page 1
ASSESSMEN
FORM II - OPE
Name:
Amounts in Rs
Last 2 Years A
(As per audited ac
Estimates Pro
 Year
###
###
###
###
No.of months
###
###
###
###
1. Gross Sales
i.
 Domestic Sale
ii. Export Sale
Total
###
###
###
###
2. Less Excise
###
###
###
###
 3. Net Sales (1
###
###
###
###
4. % age rise (
N/A
N/A
N/A
N/A
5. Cost of Sale
i.
 Raw materials
other items us
manufacture)
###
###
###
###
a. Imported
b. Indigenous
ii. Other Spare
a. Imported
###
###
###
###
b. Indigenous
iii. Power and
iv. Direct Labo
 v. Other manu
vi. Depreciatio
vii. Sub-total (
###
###
###
###
viii. Add: Open
###
###
###
###
 Sub-total (vii +
###
###
###
###
ix. Deduct: Clo
###
###
###
###
x. Cost of Prod
###
###
###
###
as compared t
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 ICICI Banki
###
8960164.xls (Form
Page 2
xi. Add: Openi
###
###
###
###
Sub-total (x +
###
###
###
###
xii. Deduct: Cl
###
###
###
###
xiii.
###
###
###
###
 6. Selling, gen
7. Sub-total (5
###
###
###
###
###
###
###
###
###
9. Interest
###
###
###
###
###
11. i.
 Add: Other no
a.
b.
c.
###
###
 d.
Sub-total (Inco
###
###
###
###
 ii. Deduct: Oth
a.
###
###
###
b.
 c.
###
###
d.
Sub-total (Exp
###
###
###
###
iii. Net of othe
expenses [net
###
###
###
###
###
###
###
###
###
13. Provision f
###
###
###
###
###
15. a. Equity d
(Already paid
b. Dividend Ra
###
###
###
###
###
###
###
###
###
17. Retained P
Sub-total (Tot
Operating Pro
Operating Pro
 Profit before ta
Net Profit / Los
Retained Profi
ICICI Banki
###
8960164.xls (Form
Page 3
FORM III - AN
LIABILITIES
Name:0
Amounts in Rs
Last 2 Years A
 (As per audited B
Estimates Pro
Year
###
###
###
###
No.of months
###
###
###
###
CURRENT LIA
1. Short-term b
bills purchased
borrowing plac
i.
From applican
###
###
###
###
ii. From other
###
 iii. (of which B
###
###
###
###
###
2. Short term b
3. Sundry Cre
4. Advance pa
deposits from
5. Provision fo
6. Dividend pa
 7. Other statut
###
8. Deposits / in
DPGs / deben
###
9. Other curre
###
###
###
###
a.
b.
 c.
d.
###
###
###
###
###
###
###
###
###
Sub-total (A)
[i + ii]
 (due within 1 y
Sub total (B)
[2 to 9]

Total current li
ICICI Banki
###
8960164.xls (Form
 Page 4
TERM LIABILI
11. Debenture
###
###
12. Preference
 13. Term loan
payable within
###
###
14. Deferred P
instalments du
 15. Term depo
###
###
###
16. Other term
###
###
###
###
###
###
###
###
###
###
NET WORTH
19. Ordinary S
20. General R
 21. Revaluatio
###
###
###
###
22. Other Res
 23. Surplus (+
23.a. Others
Share Premium
Capital Redem
24. Net Worth
###
###
###
###
###
###
###
###
###
Total Term Lia
Total Outside
TOTAL LIABIL
ICICI Banki
###
8960164.xls (Form
Page 5
ASSETS
Name: 0
Amounts in Rs
Last 2 Years A
 (As per audited B
Estimates Pro
Year
###
###
###
###
No.of months
###
###
###
###
 CURRENT AS
26. Cash and
27. Investmen
i.
Govt. and othe
###
###
###
###
ii. Fixed Depo
28. i.
Receivables o
 exports (incldg
discounted by
ii. Export rece
purchased/dis
###
###
 29. Instalment
(due within 1 y
30. Inventory:
###
###
###
###
i.
Raw materials
other items us
manufacture)
###
###
###
###
a. Imported
###
###
###
###
b. Indigenous
ii. Stocks-in-pr
###
###
###
###
iii. Finished go
###
###
###
###
iv. Other cons
###
###
###
###
 a. Imported
b. Indigenous
###
###
###
###
 31. Advances
and stores/spa
###
###
###
###
 32. Advance p
###
###
###
###
###
 a. Interest Rec
b. Prepaid Exp
c. Loans and A
d.
###
###
###
###
###
###
###
###
###
FORM III - AN
Other current
Total Current A
ICICI Banki
###
8960164.xls (Form
Page 6
FIXED ASSET
35. Gross Bloc
work-in-progre
36. Depreciati
 37. Net Block
###
###
###
###
OTHER NON-
 38. Investmen
which are not
###
###
###
###
i.
a. Investments
companies / a
b. Others
ii. Advances to
and contractor
###
iii. Deferred re
exceeding 1 y
###
###
###
###
iv. Others
###
###
###
###
a. Security De
b. Loans to Su
c. Receivables
d.
39. Non-consu
40. Other non-
 dues from dire
###
###
###
###
###
 42. Intangible
prelim.expens
provided for, e
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
47. Total OUT
48. Total TER
ADDITIONAL
A. Arrears of d
B. Contingent
i.
Arrears of cum
tax liabilities
iv. Other liabili
Total Other No
Total Assets (34+37+41+4
Tangible Net W
Net Working C
Current Ratio (34

Net Worth(18 / 44)

Net Worth(17 / 44)

ICICI Banki
###
8960164.xls (Form
Page 7
ICICI Banki
###
8960164.xls (Form
Page 8
FORM IV
COMPARATIV
Name:0
Amounts in Rs
Last Year Cur
Peak
 Norms Actuals
Year
###
###
###
A. CURRENT
 1. Raw materi
used in the pro
a. Imported
###
###
###
 Month's Consu
b. Indigenous
###
###
###
Month's Consu
 2. Other Cons
those included
a. Imported
###
###
###
 Month's Consu
b. Indigenous
###
###
###
Month's Consu
 3. Stock-in-pro
###
###
###
Month's cost o
4. Finished go
###
###
###
Month's cost o
5. Receivables
receivables (in
 discounted by
###
###
###
Month's dome
deferred paym
 6. Export rece
and discounte
###
###
###
Month's expor
 7. Advances to
stores / spares
###
###
###
8. Other curre
 balances & de
within one yea
###
###
###
Cash and Ban
###
###
###
Investments (o
i.
Govt. and othe
###
###
###
ii.
Fixed Deposits
###
###
###
Instalments of
(due within 1 y
###
###
###
Advance paym
###
###
###
Other current
###
###
###
ICICI Banki
###
8960164.xls (Form
 Page 9
9. Total Curren
###
###
###
(To agree with ite
 ICICI Banki
###
8960164.xls (Form
Page 10
FORM IV
COMPARATIV
Name: 0
Amounts in Rs
Last Year Cur
Peak
Norms Actuals
Year
###
###
###
B. CURRENT
(Other than ba
10. Creditors f
 stores & consu
###
###
###
Month's purch
###
 11. Advances
###
###
###
12. Statutory l
###
###
###
13. Other curr
###
###
###
 Short term bor
###
###
###
Provision for ta
###
###
###
Dividend paya
###
###
###
 Deposits / inst
/ debentures e
###
###
###
Other current
 (due within 1 y
###
###
###
###
###
###
###
Total (To agree with total B of Form-III)

I C I C I Ban
###
8960164.xls (F
Page 11
FORM V
COMPUTATIO
Name:0
Amounts in Rs
Last Year Cur
 Peak
First Method o
Actuals
Estimates Pro
Year
###
###
###
###
###
###
###
 2. Other Curre
###
###
###
###
###
###
###
4. Min. stipula
(25% of WCG
###
###
###
5. Actual / Pro
###
###
###
6. Item-3 minu
###
###
###
7. Item-3 minu
###
###
###
8. Max. permis
(item-6 or 7, whic
###
###
###
 9. Excess borr
Second Metho
###
###
###
###
 2. Other Curre
###
###
###
###
###
###
###
4. Min. stipula
(25% of total C
export receiva
###
###
###
5. Actual / Pro
###
###
###
 6. Item-3 minu
###
###
###
7. Item-3 minu
###
###
###
8. Max. permis
(item-6 or 7, whic
###
###
###
9. Excess borr
Total Current
bank borrowin
Working Capit
(Form-III-45)
shortfall in NW
Total Current
bank borrowin
Working Capit
(Form-III-45)
shortfall in NW
 ICICI Banki
###
8960164.xls (Form
Page 12
FORM VI
FUNDS FLOW
Name:0
Amounts in Rs
Last Year
Current Yr.
Next Year
Actuals
 Estimates
Projections
Year
###
###
###
 1.SOURCES
a. Net Profit
###
###
###
b. Depreciatio
###
###
###
c. Increase in
###
###
###
d. Increase in
(including Pub
###
###
###
e. Decrease in
i.
Fixed Assets
ii.
Other non-cur
f.
 Others
###
###
###
g. TOTAL
###
###
###
2.USES
a. Net loss
b. Decrease in
(including Pub
 c. Increase in
i.
Fixed Assets
###
###
###
 ii.
Other non-cur
###
###
###
d. Dividend Pa
###
###
###
e. Others
f.
TOTAL
###
###
###
###
###
###
###
Long Term Su
ICICI Banki
###
8960164.xls (Form
Page 13
 4. Increase/de
* (as per detai
###
###
###
5. Increase/de
 other than ban
###
###
###
6. Increase/de
###
###
###
7. Net Surplus
###
###
###
 8. Increase/de
###
###
###
9. Increase/de
N/A
###
###
* Break up of i
i. Increase/dec
###
###
###
ii. Increase/de
###
###
###
iii. Increase/de
###
###
###
iv. Increase/de
a) Domestic
###
###
###
b) Export
###
###
###
 v. Increase/de
###
###
###
vi. Increase/de
###
###
###
TOTAL
###
###
###
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at you're reading. Select the sites below and start sharing.
anking Corpo
(Form_II)

MENT OF WOR
OPERATING S

n Rs. Crore
ars Actuals Curr
ted accounts)
Projections
Sales
Sales
Sales
xcise Duty
es (1 - 2)

rise (+) or fall (-)

Sales
erials (including s
s used in the pr
ure)
ed
ous
pares
ed
ous
and Fuel
Labour (Factory
manufacturing ex
ciation
tal (i to vi)
Opening Stock-i
(vii + viii)

: Closing Stock-
Production
red to previous
anking Corpo
(Form_II)

pening Stock of
(x + xi)
t: Closing Stock
 general and ad
al (5 + 6)
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with instructions on how to continue.
orporation Ltd

WORKING CAPI
NG STATEMEN

Current Yr. Nex

all (-) in net sales
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TEMENT OF C
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