My Nguyen
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Articles
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Cost Savings
FormalSo you want to invest to make your business more efficient. Well, how are you going to quantify the impact of your brilliant decision? Try ‘cost savings’ ‘revenue acceleration’ and ‘reduced c...
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Covenant
FormalA promise given by a person or business that certain acts will be performed or refrained from. Covenants typically relate to the protection of bank’s interests against loans provided.Real-wor...
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Credit Scoring
FormalA statistical technique used by financial institutions to determine how much money to lend to a (potential) customer. This allocates scores based upon past performance, profitability, assets ...
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Credit Search
FormalA search against multiple credit databases to establish the credit worthiness of a client - looking for previous credit references, loan repayment histories etc.Real-world ExampleA mortgage l...
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Creditors
FormalA person or company to whom money, or money equivalent, is owed.Real-world ExampleA business owes $50,000 to its suppliers for goods already delivered but not yet paid for. Those suppliers ar...
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Cross Charging
FormalA method used in a number of organisations to reallocate the costs of some activity to the appropriate profit or cost centre. Also used where assets of the company are used as security for a ...
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Discounted Cash Flow Analysis (DCF)
Formal‘Discounted Cash Flow Analysis’ - a technique which assesses present and future cash flows, usually from an investment proposal, and applies an ‘interest’ or ‘discount’ rate to convert all th...
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Debentures
FormalRelating to a loan, this is the Certificate or voucher acknowledging the existence of a debt. Often listed on the Balance Sheet, it shows the company’s obligation to repay such a loan or ‘Deb...
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Debtors
FormalA person or company that owes money to another.Real-world ExampleA business has delivered $300,000 of goods to customers on 30-day payment terms but hasn't been paid yet. Those customers are ...
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Depreciation
FormalA decrease in the value of asset caused by wear-and-tear, technological obsolescence or time. The allowance or charge made to a company’s profit and loss account, to reflect this change in va...