Corporate Banking, Business

Financing & Capital Ratios

By: Real Advisory
Corporation
 We will see what is:

-Business financing and capital Ratios

-Foreign trade operations

-Leasing and Factoring

Introduction And how each of these topics work, the
advantages and disadvantages of these,
what characteristics they have, the variety
or types that exist and the factors that can
influence them.
2
 Finance Ratios
Used to analyze a company’s business and current financial
standing. They are indicators of the company’s financial health
and measure various metrics associated with it, including
profitability and liquidity. Accounting ratios are also used to spot
and analyze companies in potential financial distress. The
importance of accounting ratios differs based on the type of
industry.

3
Types Debt Ratio
Haga clic en el icono para agregar una imagen

Equity
Ratio
Haga clic en el icono para agregar una imagen

Solvency
Ratio
Ebit and
Haga clic en el icono para agregar una imagen

Ebitda Profitability
Ratio´s 4
Solvency Ratio

5
Equity Ratio Ratio de Fondos Propios
o Ratio de Propiedado 

6
Profitability Ratio´s / Ratios de Rentabilidad

7
Debt Ratio / Endeudamiento

8
9
What is Business Financing ?  
Is a funding option for business owners to access
business loans to be able to pay for things like
temporary cash flow interruptions, expansion
projects, inventory and equipment, and seasonal
spikes in activity.

10
Types of Business Financing:
Loans
-TraditionalBank Loans
-Short-Term Loans
-Unsecured Business
Loans
-Microloans

11
 Interest Rate, Business and
You  
Interest rates  are the price of money. It is the price at which one
person borrows money that is owned by another, for a certain
period of time.

The price or interest rate charged must compensate the owner

of the money for four main reasons:

• The temporary use of the same 

• The risk taken to lend money 
• The time and effort it took for the owner of the money to
accumulate enough money to lend it
• The deterioration of the money
12
Types of rates in Panama

13
Foreign Trade Operations?  

A country's foreign trade is the exchange

of goods and services with other
countries. It therefore includes all sales
and purchase transactions carried out
by a country's exporting and importing 14
companies.
Foreign exchange
market
The foreign exchange market,also
known as forex, FX, or the
currencies market, is an over-the-
counter (OTC) global marketplace
that determines the exchange rate
for currencies around the world.

15
The functions of the foreign exchange market

• To fix the prices of currencies with respect to other currencies.

• To allow the hedging of exchange rate risks.
• To promote the exchange of funds between different countries
• To finance international trade 

How does the foreign

exchange market work?

16
Exchange rate
The exchange rate is the relationship
between the value of one currency
and another, indicating how many
coins of one currency are needed to
obtain one unit of another.

Exchange rate classification by

central bank: 
•Fixed exchange rates
•Floating exchange rates

17
 Leasing and Factoring
What is Leasing and how does it work?
It's a financial mechanism that the financial entity, regardless of whether it is a
banking organization or a financial company, according to the guidance of the
client acquires capital assets owned by the entity and the transferred to a
lessee under a financial or operating lease for use and enjoyment for a
specified period in exchange for the periodic payment of a sum of money
called Canon.

18
 Characteristics

Leasing differs from other financial models

in many ways. Among them:

Profitability, Flexibility and Practicality

19
 Modalities:
-Real estate
-Housing
-Furniture
-Infrastructure
-Import and Export
-International
-Leaseback

20
 Advantages
• Reduces maintenance costs and
minimizes the risk of technology
obsolescence.
• Smart planning. Instead of investing
large amounts of money in technology
projects, the company can use these
resources for other purposes.
Disadvantages
• You can only own the property until
the end of the contract.
• You do not obtain benefits or
properties.
• Has a higher financial cost
compared to other financing
options.
21
What is Factoring and how
does it work?
In finance, factoring includes obtaining
loans for the sale of real estate by a real
estate company, providing services or
carrying out works, making advances,
accepting or not accepting their risks.

Types
-With or without guarantee
-Exports and Imports
-Corporate
-Maturity
-Undisclosed 22
Advantages
Disadvantages
-Instant injection of liquidity
as an alternative form of
-It is not a form of long-term
financing.
financing.
-Ensure customer reception.
-The customer is the subject of a
-Customer delinquency company's criteria to assess the
report and credit rating. risk of different buyers.

-The factor will buy only the

accounts receivable they want, so
the choice will depend on their
quality, i.e., date, quantity and
receipt. 23
Conclusion

24
25
¡Gracias!

¿Alguna
Consulta?