I understand that you’re busy.  These videos are designed to give you small snippets of information and advice in a 3-minute time frame (give or take a few seconds) so that you can learn what you need, when you need it.

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In this video, I explain how an analyst can use the PESTEL framework to help identify risks in the macro-environment that can impact a business negatively or positively.

In this video, aimed specifically at people who are not in Credit or who don’t have a strong background in financial topics, I take a slow walk through an income statement explaining its purpose and the most important pieces of information you’ll find there.

With this information, you’ll have the confidence to talk to our customers about their income statements and you’ll also be able to engage with your credit teams in a financial discussion about an income statement.

In this video I explain why business bankers should be wary about the information found in a balance sheet and be realistic about what the information actually tells us.

In this video I briefly explain what depreciation isn’t and describe what it actually is so as to remove any confusion that might exist about its correct definition.

In this video I explain the most commonly used method of calculating depreciation and how it impacts the value of an asset in the balance sheet.

In this video I introduce the concept of business drivers, how they affect a business and why it’s important that business bankers should try to find out what the drivers are for business customers.

In this video I explain what revenue drivers are with some examples, and how they can affect a business’ revenue and, ultimately, its profit and cash flow.