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    More than 30,000 professionals make up the ecosystem of Cetif: we facilitate the meeting and exchange between banks, insurers and companies in an academic Center, competent and independent environment to share knowledge, experience and strategies on the most innovative drivers of change.

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Academy
Advisory
academy

Program in Credit and Business Valuation

1-4 DAYS DUAL MODE
June 12-13-14-19-20 + July 4-5 2023
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Early-bird
-100.00 Euro
With enrollment by
12.05.2023
Closing Date for Enrollment: 29.05.2023

The resumption of inflation and monetary policy interventions make it even more important to assess the creditworthiness of enterprises, not only from the point of view of balance sheet analysis, but also from the point of view of understanding business dynamics to understand whether the positive results of the past can be achieved again or improved, whether there are difficulties that can be overcome, or in the case where the situation is particularly compromised what is the path by which to deal with it. Credit risk is not taken on by the deliberative body, but in the first instance by the manager who knows the client and profiles the enterprise.

Date
June 12-13-14-19-20 + July 4-5 2023
Industry
BANKING, INSURANCE, CROSS INDUSTRY
Subject areas
Payments, Lending, CIB & Wealth
Language
Italian
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Registration fee
Adherent Cetif
2,500.00+VAT*
Non-Adherent Cetif
2,700.00+VAT*
*Quota per participant
Discounts and economic benefits
To whom it is addressed
  • Enterprise managers 
  • Business analyst
  • All those in various business roles who want to increase their theoretical and practical skills on the topics of financial statement analysis and understanding the dynamics and business of enterprises
Formative Objectives.
  • Budget analysis through the eyes of those who must grant credit and financing 
  • Reading the business plan and understanding the qualitative image of the enterprise
  • The management of impaired credit
  • The evaluation of digital startups
  • ESG rating and influence in credit granting and pricing
The format

Innovative and effective teaching techniques geared toward the transfer of knowledge and behavior through:

- theoretical lectures

- moments of consolidation and critical revision of content

- classroom exercises

- simulations

- use case and benchmark

Course Schedule.

  • The enterprise's business model and market demand for products and services
  • The industry analysis
  • The business model canvas
  • The business plan
  • The strategic components of the business plan
  • The economic components of the business plan: forecast income statement and cash flow
  • Business plan checklist
  • The construction of the qualitative image of the enterprise -
  • Organization, governance and management
  • The production structure and products/services
  • Target markets and distribution structure
  • Why does an enterprise go into crisis?
  • Symptoms of business crisis: suspicious situations
  • The negative symptoms 
  • The prejudicial evemts 
  • The report review: can the enterprise do it? 
  • Maintaining the relationship 
  • Position settlement 
  • The tools for recomposing the crisis 
  • The glossary of legal expressions and their meanings
  • Out-of-court settlements 
  • Concordat with business continuity
  • Liquidation arrangement 
  • Bankruptcy arrangement 
  • Credit recovery
  • The analysis of the startup business plan
  • The assessment of the necessary capital (founder's assessment)
  • The evaluation of the potential of the product/service
  • "Traditional" evaluation methods
  • Complex assets
  • Limited income 
  • Unlimited income 
  • Mixed limited 
  • Mixed unlimited 
  • "Alternative" evaluation methods (use part of the "traditional" tools with an innovative perspective)
  • Market approach
  • Cost approach
  • Income approach
  • The simulation of return on investment
  • ESG: genesis, definition and foundational elements
  • ESG evaluation metrics of companies
  • ESG rating and the MSCI indices
  • Transition risks: what they are, how to identify them, and how to assess them
  • Greenwashing and related risks 
  • The EBA guidelines on lending and the GAR for banks (Green Asset Ratio).
  • ESG risk adjusted pricing.
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