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CFA Level IFinancial Reporting and Analysis
June 2011
© Neev Knowledge Management – Pristine
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
2
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Pristine has been started by professionals with diverse experience in financial services, IT and Auto who are alumnus of IITs & IIMs
Pristine
Classroom/ Online delivery (synchronous and asynchronous) – To increase reach and improve efficiency of learning. Conducted 15+ batches with over 300 hours of recorded content
Innovative content – To improve understanding & learning capability of students. VisualizeFRM, VisualizeCFA as one of the best selling products
Founded with an aim of creating world class professionals in the area of finance –particularly risk management and investment banking
Topic Expert Model (TEM ) – Industry professionals bring invaluable industry perspective for students. Pool of 300+ working professionals as active faculty members with the likes of CFA regional directors, Presidents of various banks
Testimonial - 53% of the students join us on the basis of referral is a testimonial of the effective training methodologies
Effective training methodologies to improve the performance
of the students and enhance the employability
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Seminar MaterialNot for SaleKey Authorization
GARP (2007-10)
Authorized Training provider -FRM
Largest player in India in the area of risk management training. Trained 1000+ students in risk management
PRMIA (2009-10)
Authorized Training provider – PRM/ APRM
Sole authorized training for PRM Training in India. Largest player in India in the area of risk management training. Trained 1000+ students in risk management
CFA Institute (2010-11)
Authorized Training provider – CFA
Pristine is now the authorized training provider for CFA Exam trainings . Pristine is largest training provider for CFA in India with presence across seven major cities.
FPSB India (2010-11)
Authorized Training provider -CFP
An authorized Education Provider for Chartered Financial Planner Charter.
© Neev Knowledge Management – Pristine
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Seminar MaterialNot for SaleKey Associations*
HSBC (2008)
Risk Management and Quant. Analysis
New joinees in HSBC had a gap in knowledge of Risk Management and quantitative skills. Conducted trainings (On campus) to bridge the gap
*Indicative List
Mizuho (2010)
Financial Modeling in Excel
Bankers were using excel models that they could not understand. Conducted financial modeling in Excel trainings to
bridge the gap
Bank Of America
Continuum Solutions (2010)
Financial Modeling in Excel
Associates were trained on valuation and mergers and acquisitions
J. P. Morgan (2010)
Financial Modeling in Excel
The Real Assets Group were trained in Excel for infrastructure and real-estate
modeling
Franklin Templeton
CFA (2010)
Students were facing a gap in the overall understanding of finance topics like corporate finance, FSA and valuation. Provided training for over 100 hours to bridge the gap
Credit-Suisse India (2009)
Risk Management and Quant. Analysis
IT Professionals of Credit-Suisse India were trained on risk management.
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Seminar MaterialNot for Sale…Key Associations
IIM Calcutta (2010)
Financial Modeling in Excel
Students about to go for internships and join jobs found a gap in their grasp of
knowledge of excel for financial modeling. Conducted training for 75+
students with an average rating of 4.5+
BITS Pilani (2009)
Workshops on Basics of Finance
Most of the students desire a career in finance. Conducted training for 350+ students with an average rating of 4.5+
IIT Delhi (2009)
Corporate finance
Students get placed in finance companies (UBS, GS, MS, etc) with no understanding of the subject/ Job Profile. Conducted workshop to bridge the gap
Sydneham College (2009)
Financial Modeling in Excel
Students about to join jobs found a gap in their grasp of excel for financial modeling. Conducted 40+ hours of training and helped students be ready for job
NISM (2008)
Derivatives workshop for Hedging
Corporate in Ludhiana incurred huge losses because of derivative trades (for hedging). Conducted trainings for directors and CFOs for better understanding of derivative products
FMS Delhi (2010)
Financial Modeling in Excel
Final Year MBA students of Faculty of Management Studies, Delhi University were trained in financial modeling so as
to prepare them better for a job in finance.
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Trainer
• Extensive experience in the financial services, consulting and training domain. He has extensive knowledge of the financial services industry, where he raised growth capital for organizations and helped them improve their revenues. He has authored research papers and trained 1000s of senior people in the area of financial modeling, quantitative analysis and risk management.
•Prior to founding Pristine, Paramdeep has worked in senior management positions as an Investment Banker with Standard Chartered Capital Markets (India) and as a consultant with Accenture Management Consulting.
• Work experience as Industry Practitioner
• Consultant to Reliance Energy (Power), strategizing their growth and cutting down the losses in energy distribution. He has helped them formulate their business plan.
• Assisted clients in raising capital through Private Equity & IPO by analyzing & modeling business plans, preparing IM/DRHP, ensuring regulatory compliance and marketing the issue. He has Successfully placed two IPOs worth Rs. 100 Crore & achieved subscription of 32 & 11 times.
• Experience as Trainer
• He has trained participants from HSBC, JP Morgan, Mizuho Bank , ING Vysya, Bank of America for financial modeling in excel, receiving very good rating.
• Has conducted workshops and training courses in IIM Calcutta, Sydneham, Welingkar on financial modeling in Excel receiving rave reviews
• Published research papers & articles in leading news papers in the field of risk management and Basel II accords, which are now used by leading banks as reference material.
• Paramdeep is an MBA from IIM Indore, where he secured the highest CGPA in his batch. He has completed his B. Tech and M. Tech in Mathematics and Computing from IIT Delhi
Paramdeep Singh, Director and Faculty, Pristine
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CFA – Your Clear Interest in finance
• CFA charter provides you with a strong foundation for a variety of career choices in the investment profession
– Interested in portfolio management, investment research, advisory services, or investment banking, you will benefit from a CFA charter
* CFA Institute website
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
9
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Course Structure
Topic Area Level I
Ethical and Professional Standards 15
Quantitative Methods 12
Economics 10
Financial Reporting and Analysis 20
Corporate Finance 8
Equity Investments 10
Fixed Income 12
Derivatives 5
Alternative Investments 3
Portfolio Management 5
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Atul,atul@eneev.com +91-93221 94932
Way to CFA
• Each exam is six hours long and is split between morning and afternoon sessions. There is a two-hour lunch break at the end of the morning session.
– The Level I exam is composed of multiple-choice questions and is offered in June and December.
– The Level II exam is composed of item-set questions and is offered in June only.
– The Level III exam is composed of item-set and essay questions and is offered in June only.
• Score matrix provided on the exam results is an indicator of overall performance
– The “<=50%” range is considered poor;
– “51%–70%” is considered poor to average;
– “>70%” is considered average to above average
Key to crack CFA Level I is by doing well in Ethics and FSA
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Seminar MaterialNot for SaleFees Structure Levels I - Deadlines
© Neev Knowledge Management – Pristine 12
by 22 September by 16 February by 16 March
Program Enrollment (new Level I only)
$405 $405 $490
Exam Registration $630 $720 $970
‒ Curriculum eBook version
save $40 save $40 save $40
‒ Curriculum Print version
$ 20 (shipping) $ 20 (shipping) $ 20 (shipping)
‒ Curriculum eBook+Print version
$ 50 (incl. shipping) $ 50 (incl. shipping) $ 50 (incl. shipping)
CFA Institute now offers three options to all its candidates. You can either choose to obtain thecurriculum in i) eBook form; ii) Print form or iii) Both eBook and in Print
Suppose a candidate chooses to enroll by 16th Feb and chooses the ebook version then her total costwill be = 405 + 720 – 40 = $1085. If she had taken the print version she will pay 405+720+20(shipp.Charges) = $1145
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
13
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Financial Statements
• There are five broad groupings for financial statement elements
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• Economic resources of a companyAssets
• Creditor’s claim on the company’s resourcesLiabilities
• Residual claim on the resourcesOwner’s Equity
• Inflows of economic resources to the companyRevenue
• Outflows of economic resources or increases in liabilitiesExpenses
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
15
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Income Statement & Component Line Items
• The income statement is also referred as the statement of operations or P&L statement
• Basic equation underlying the income statement
Revenue – Expenses = Net Income/ (Loss)
© Neev Knowledge Management – Pristine
Components of an Income Statement
Revenue
Revenue, sales
Gains
Investment Income (eg. Interest, Dividends)
Expenses
Cost of goods sold
SG & A
Depreciation & Amortization
Interest Expense
Tax Expense
Losses
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Wages
material
Depreciation
Production Employees
Suppliers Employees/Suppliers
Non-Cash Sales Advertising DebtInvestors
Support Staff Non-Cash Govt. Non-Cash Equity Investors
Revenue
Overhead
Wages
Sales
Marketing
Amortization
Interest
Income Tax
Deferred Taxes
Net Income
SG&A
Cost of Goods Sold
Taxes
EBITA
Gross Profit
Operating Profit (EBIT)
Profit before tax
Net income
Introduction to Income Statement
Non Cash Expenses
EBITDA EBITA Dep.
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Wages
material
Depreciation
Production Employees
Suppliers Employees/Suppliers
Non-Cash Sales Advertising DebtInvestors
Support Staff Non-Cash Govt. Non-Cash Equity Investors
Revenue = $50 *2 = $100
Overhead
Wages
Sales
Marketing
Amortization
Interest
Income Tax
Deferred Taxes
Net Income
SG&A = $0.4*50 = $20
Cost of Goods Sold = $0.8*50 = $40
Taxes = $ 14
Gross Profit = 100-40 = $ 60
Profit before tax = 60 – 20 = $ 40
Net income = 40 -14 = $ 26
Introduction to Income Statement - Example
© Neev Knowledge Management – Pristine 18
A business man sells 50 candies each worth $2.Cost of manufacturing each candies is $0.8Sales and marketing expenses are $0.4And the business is taxed at 35%
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Concept Checkers
1. Which of the following best describes an income statement?
A. An income statement reports changes over a period of time in component accounts thatcomprise the ownership of a firm.
B. An income statement summarizes the financial position of a company at a given point in time.
C. An income statement measures a company's financial performance over a specified period oftime.
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20
Basis of Accounting
• There are two methods of accountings
– Cash basis of Accounting
– Accrual basis of Accounting
• Cash accounting
– Focuses on when cash is received and paid out
• Revenue is accounted for when cash is received
• Expense is accounted for when cash is paid out
– Might not properly match revenues and expenses incurred within a period
Recognition of revenue in Cash Accounting
Contract Awarded
Consultant Hired Work Completed
Payment received
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Basis of Accounting
• Accrual basis of Accounting
– Focuses on the economic impact of the transaction
• Revenue reported when earned
• Expenses reported when incurred
– Properly matches revenues and expenses in determining net income
– Requires adjusting entries at the end of period (e.g. Depreciation)
Recognition of revenue in Accrual method
Cash Paid to Consultant
Contract Awarded
Consultant Hired
Work CompletedPayment received
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Understanding the Income Statement – Matching Principle
• Items in Income Statements follows MATCHING PRINCIPLE, which Includes Two Steps:
– Identify all expenses incurred during the accounting period
– Measures the expenses and matches those expenses against revenues earned
• According to the principle – expenses are recognized when obligations are
– Incurred (usually when goods are transferred or services rendered, e.g. sold), and
– Offset against recognized revenues, which were generated from those expenses (related on the cause-and-effect basis), no matter when cash is paid out
The cost is recognized in the same period as the work is completed
Cash Paid to Consultant
Contract Awarded
Consultant Hired
Work Completed
Payment received
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Accrual Based Accounting
• Accrual based accounting results into 4 type of accounts
• Accrued revenue
– Goods or services are sold but cash is not received – hence revenue increases and Accounts receivable (an asset) increases.
– On receipt of cash, cash increases and accounts receivable decreases
• Unearned revenue:
– Receives cash in advance before it provides goods
• Cash increases and unearned revenue, a liability, increases by the same amount.
• On firm providing good or service, revenue increases and the liability decreases
• E.g. Magazine subscription
• Prepaid expenses (Advance rent / electricity)
– Pays cash for expenses before they are incurred
• Cash (an asset) decreases and prepaid expense (also an asset) increases.
• Prepaid expense decreases and expenses increase when the expense is actually incurred.
• Accrued expenses. Expenses incurred but cash not paid hence liability
‒ Expenses increase and a liability for accrued expenses increases as well
‒ The liability decreases when the firm pays cash for expenses.
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Concept Checkers
1. The accrual basis of accounting________.
A. Does not pertain to revenue recognition-only expense recognition.
B. Recognizes the development of assets and liabilities externally.
C. Allocates many transactions that produce cash flows to time periods other than those in whichthe cash flows occur.
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Ratio Analysis
• Ratio analysis is useful as it helps us put numbers in perspective.
• It is also useful for comparing companies with different sizes and companies from different industries.
• It also helps in providing meaningful relationships between different accounting elements.
• Types of ratios are as follows -
Ratio Analysis
Profitability Ratios Solvency Ratios Activity Ratios Debt Ratios Market Ratios
© Neev Knowledge Management – Pristine
Income Ratios Balance Sheet Ratios Mixed Ratios
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Profitability Ratios
SalesNet
COGSSalesNet
SalesNet
ofitGrossinMofitGross
−
==
PrargPr
© Neev Knowledge Management – Pristine
SalesNet
ofitNetinMofitNet
PrargPr =
EquitysrShareholdeAverage
IncomeNetRoE
'=
AssetsTotal
IncomeNetRoA =
CapitalInvested
taxEBITRoC
)1(* −
=
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
27
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Questions
1. Which of the following ratios is a measure of profitability
A. Current ratio
B. Fixed asset turnover ratio
C. Pretax margin ratio
2. Are income taxes and cost of goods sold examples of expenses classified by nature or classified by function in the income statement?
A. Income Taxes: Nature, Cost of goods sold: Function
B. Income Taxes: Function, Cost of goods sold: Nature
C. Income Taxes: Function, Cost of goods sold: Function
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Concept Checkers
1. Company ABC has a net profit margin of 15.4%, while total asset turnover is 1.2 andleverage is 0.7. The return on equity for Company ABC is closest to
A. 14.52%
B. 12.94%
C. 11.43%
© Neev Knowledge Management – Pristine
%94.127.0*2.1*%4.15** === LeverageTATNPMRoE
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
30
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About CFA Prep School
School for CFA Prep is
a 100 Hrs extensive training program*
that can enable you
to prepare for and crack CFA Level I Examination
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About School for CFA Prep
School for CFA Prep is
a 100 Hrs extensive training program*
that can enable you
to prepare for and crack CFA Level I Exam
• Extensive 100 Hours coverage
• 16 days 5 hrs of regular classes
• 3 days 5 hrs of revision classes
• 2 Mock tests
• Extensive Question Bank to
prepare and Practice
• 2 Hrs of one-to-one doubt
clearing sessions*
• Qualified faculty with CFA
Charters and extensive industry
and teaching experience
=
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About HR Analytics
• Proven credentials in successfully
training CFA aspirants
• Actionable and Innovative Material
• Complete Slide Pack
• Each Session followed by Quiz
• Adaptive feedback based on Quiz
• Mock tests and feedback
• Individual doubt solving session
• CFA Visualized Formula Charts
• Summarized Recordings for
revision
=
School for CFA Prep is
a 100 Hrs extensive training program*
that can enable you
to prepare for and crack CFA Level I Exam
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Tentative Schedule - Feb
* Indicative list – Subject to Change
Date Day Course Topic
19/Feb/11 Sat CFA-Level-I Financial Reporting & Analysis -I
20/Feb/11 Sun CFA-Level-I Financial Reporting & Analysis -II
26/Feb/11 Sat CFA-Level-I Financial Reporting & Analysis -III
27/Feb/11 Sun CFA-Level-I Financial Reporting & Analysis -IV
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Tentative Schedule - Mar
Date Day Course Topic
05/Mar/11 Sat CFA-Level-I Quant-I
06/Mar/11 Sun CFA-Level-I Quant-II
12/Mar/11 Sat CFA-Level-I Quant-III
13/Mar/11 Sun CFA-Level-I Ethics
26/Mar/11 Sat CFA-Level-I Corporate Finance
27/Mar/11 Sun CFA-Level-I Equity Investments-I
* Indicative list – Subject to Change
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Tentative Schedule - Apr
Date Day Course Topic
02/Apr/11 Sat CFA-Level-I Equity Investments-II
03/Apr/11 Sun CFA-Level-I Fixed Income Investments-I
09/Apr/11 Sat CFA-Level-I Fixed Income Investments-II
10/Apr/11 Sun CFA-Level-I Derivatives-I
16/Apr/11 Sat CFA-Level-I Derivatives-II
17/Apr/11 Sun CFA-Level-IAlternative Investments + Portfolio Mgmt
23/Apr/11 Sat CFA-Level-I Economics-I
24/Apr/11 Sun CFA-Level-I Economics-II
30/Apr/11 Sat CFA-Level-I Economics-III
* Indicative list – Subject to Change
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How it works?
1 2 3 4 5
You signup for the program by making payment of USD 1000*
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How it works?
1 2 3 4 5
Start Preparation with material and Live Interactive Class
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How it works?
1 2 3 4 5
Work on the Problem sets/ Quizzes adapting preparation Style
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How it works?
1 2 3 4 5
Give Mock Tests/ Ask Doubts/ Revise and Complete Preparation
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How it works?
1 2 3 4 5
Plan and Achieve Success in CFA Level I Exam
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Methodology
Each topic will be explained through
Conceptual Discussion, Examples, Tests, Quizzes, Actionable
Presentations, Visualized Charts and Q&A
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What to expect at the end?
Towards the end of School for CFA Prep*
You will be able to learn the topics related to CFA Level I Exam
You will know how to solve the questions asked in CFA Level I Exam
You will get an industry perspective of the topics
You will get a certificate of participation
*assuming you follow the program and practice
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About the Program
100 hours of Active Learning & Networking
Venue: Online
Starting Date: 19 Feb, 2011
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Cost of the Program
USD 995For individual registrations
USD 795For participants joining in groups of 5 or more
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Contact Details
Questions & Doubts?
Please e-mail me at paramdeep@edupristine.com
or visit http://www.edupristine.com
or call +91 989 298 0608
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To Register
• Wire Transfer
– Bank Name: HDFC Bank
– Country: India
– Swift Code: HDFCINBB
– Account Name: Neev Knowledge Management Pvt Ltd
– Account Number: 00602560008449
• Paypal to Paypal (Preferred)
– Create a Personal paypal account (it is free)
– After Logging in, click on tab "My Account" and then on "Profile". Link Paypal account with your credit card
or bank account
– Click on the tab "Send Money"
– In the "To" tab enter the email id - pristinecareers@eneev.com
– Pay the fees as per package required.
• Credit Card to Paypal
– You can make the payment from your credit card to Paypal account.
– Please make the payment to email id - pristinecareers@eneev.com
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Course Classroom Trainings
Online Trainings
Content Crash Course/Mock Test
Hours of Training
Accreditation Price
CFA Level I All* + Singapore**
Yes Original Yes 100 Under Process USD 1000;INR 17,950
CFA Level II Mumbai, Delhi From 2010 Original From 2010 80 Under Process USD 1000;INR 16,950
FRM Level I All + Singapore
Yes Original Yes 75 GARP USD 495; INR 12,950
FRM Level II Mumbai, Delhi Yes Original Yes 60 GARP USD 495,INR 9,950
PRM All + Singapore
Yes Original Yes 135 PRMIA USD 795, INR 20,000
APRM Corporate From 2010 Original Yes 80 PRMIA INR 10,000
Financial Modeling
Mumbai, Delhi, Bangalore
Yes Original NA 50 - INR 18,000
Finance for Lawyers
Mumbai No Original NA 50 - INR 45,000
CFP Mumbai, Delhi Yes Original NA 120 Under Process INR 20,000
Placement Oriented Training
Colleges No Original NA 150 Not Required INR 12,000
*All cities include Mumbai, Delhi, Kolkata, Chennai, Bangalore, Pune and Hyderabad ; ** Singapore class room trainings to commence from
June 2010
Other Pristine Offerings
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© Neev Knowledge Management – Pristine
Agenda
• Introduction and context
• Understanding the CFA Examination Structure
• Introduction to FSA
– FSA – Understanding Income Statement & Key Line Items
– Key Concept Checkers
• Complete Offering & Registration
• Next Seminar
49
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© Neev Knowledge Management – Pristine 50
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Contact
Contact Phone Email
Unmesha Tawde +91 982 043 2652 unmesha@edupristine.com
Paramdeep Singh +91 989 298 0608 paramdeep@edupristine.com
Atul Kumar +91 932 2194 932 atul@edupristine.com
© Neev Knowledge Management – Pristine