JAIIB · AFM

WORKING CAPITAL MANAGEMENT- I

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Accounting and Financial Management for Bankers — JAIIB.

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One-liners from this chapter

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Q

What is working capital?

A

Working capital is the difference between current assets and current liabilities, representing the funds available to meet day-to-day operational requirements of a business.

Q

What is the primary objective of working capital management?

A

Maintain adequate liquidity to meet short-term obligations efficiently.

Q

What does gross working capital refer to?

A

Gross working capital refers to the total investment in all current assets of a firm, including cash, receivables, inventory, and short-term investments, without deducting current liabilities.

Q

What is the formula for calculating net working capital?

A

Net Working Capital = Current Assets minus Current Liabilities.

Q

What is net working capital?

A

Net working capital is the excess of current assets over current liabilities, indicating the liquidity cushion available to meet short-term obligations.

Q

What does a positive net working capital indicate about a firm?

A

Firm can cover short-term liabilities with current assets.

Q

What is the operating cycle in working capital management?

A

The operating cycle is the time taken to convert raw materials into cash through production, sales, and collection, forming the basis for estimating working capital requirements.

Q

What is the working capital gap in bank lending assessment?

A

Difference between current assets and current liabilities excluding bank borrowings.

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