313 Financial Reporting courses

Overview Learn about Credit Analyst from industry experts and boost your professional skill. This Credit Analyst course will enhance your skill and make you ready for the job market. You'll get expert opinions about the best practices and problems of Credit Analyst. You'll also gain the skills of Credit Analyst to excel in your job and tips to master professional skills in no time.  You'll be connected with the community of Credit Analyst professionals and gain first-hand experience of Credit Analyst problem-solving. The Credit Analyst  is self-paced. You can complete your course and attend the examination in your suitable schedule. After completing the Credit Analyst, you'll be provided with a CPD accredited certificate which will boost your CV and help you get your dream job.  This Credit Analyst will provide you with the latest information and updates of Credit Analyst. It will keep you one step ahead of others and increase your chances of growth. Why buy this Credit Analyst? Unlimited access to the course for forever Digital Certificate, Transcript, student ID all included in the price Absolutely no hidden fees Directly receive CPD accredited qualifications after course completion Receive one to one assistance on every weekday from professionals Immediately receive the PDF certificate after passing Receive the original copies of your certificate and transcript on the next working day Easily learn the skills and knowledge from the comfort of your home Certification After studying the course materials of the Credit Analyst there will be a written assignment test which you can take either during or at the end of the course. After successfully passing the test you will be able to claim the pdf certificate for £5.99. Original Hard Copy certificates need to be ordered at an additional cost of £9.60. Who is this course for? This Credit Analyst does not require you to have any prior qualifications or experience. You can just enrol and start learning.  Prerequisites This Credit Analyst was made by professionals and it is compatible with all PC's, Mac's, tablets and smartphones. You will be able to access the course from anywhere at any time as long as you have a good enough internet connection. Career path As this course comes with multiple courses included as bonus, you will be able to pursue multiple occupations. This Credit Analyst is a great way for you to gain multiple skills from the comfort of your home. Course Curriculum Module 01: Introduction to Financial Analysis Introduction to Financial Analysis 00:18:00 Module 02: The Balance Sheet The Balance Sheet 00:29:00 Module 03: The Income Statement The Income Statement 00:25:00 Module 04: The Cash Flow Statement The Cash Flow Statement 00:25:00 Module 05: Financial Reporting Financial Reporting 00:26:00 Module 06: Analysing Profitability Analysing Profitability 00:22:00 Module 07: The Applications and Limitations of EBITDA The Applications and Limitations of EBITDA 00:27:00 Module 08: Credit Analysis Credit Analysis 00:32:00 Module 09: Equity Analysis Equity Analysis 00:17:00 Module 10: Ratio Analysis Ratio Analysis 00:28:00 Assignment Assignment - Credit Analyst 00:00:00

In today's dynamic financial landscape, mastering Financial Analysis is not just advantageous but imperative. A comprehensive Financial Analysis TrainingCourse covers essentialmodules such asIntroduction to Financial Analysis, Balance Sheet, Income Statement, Cash Flow Statement, and more. Understanding these facets equips individuals with the proficiency to dissect financial data effectively. In the modern world, where businesses operate in intricate ecosystems, the ability to conduct thorough Financial Analysis is highly sought after. It's not merely a skill but a necessity for informed decision-making and strategic planning. In the UK job market, proficiency in Financial Analysis opens doors to lucrative opportunities with competitive salaries averaging around £45,000 to £60,000 per annum. The demand for skilled financial analysts is on a steady rise, with job postings increasing by 10% annually, demonstrating the sector's growth potential. Hence, investing in a Financial Analysis course not only enhances employability but also ensures a promising career trajectory in the finance sector. Key Features: CPD Certified Financial Analysis Training Course Free Certificate from Reed CIQ Approved Financial Analysis Training Course Developed by Specialist Lifetime Access Course Curriculum: Module 01: Introduction to Financial Analysis Module 02: The Balance Sheet Module 03: The Income Statement Module 04: The Cash Flow Statement Module 05: Financial Reporting Module 06: Analysing Profitability Module 07: The Applications and Limitations of EBITDA Module 08: Credit Analysis Module 09: Equity Analysis Module 10: Ratio Analysis Learning Outcomes: Analyse financial statements to assess company performance and stability effectively. Evaluate profitability metrics to determine business viability and growth potential. Interpret cash flow statements to gauge liquidity and financial health. Apply ratio analysis techniques to make informed investment decisions. Conduct credit analysis to assess the creditworthiness of individuals and businesses. Perform equity analysis to understand stock performance and investment opportunities. CPD 10 CPD hours / points Accredited by CPD Quality Standards Financial Analysis Training 2:39:02 1: Module 01: Introduction to Financial Analysis Preview 10:55 2: Module 02: The Balance Sheet 17:50 3: Module 03: The Income Statement 16:50 4: Module 04: The Cash Flow Statement 15:28 5: Module 05: Financial Reporting 15:15 6: Module 06: Analysing Profitability 15:25 7: Module 07: The Applications and Limitations of EBITDA 17:50 8: Module 08: Credit Analysis 20:21 9: Module 09: Equity Analysis 12:17 10: Module 10: Ratio Analysis 15:51 11: CPD Certificate - Free 01:00 Who is this course for? This Financial Analysis Training course is accessible to anyone eager to learn more about this topic. Through this Financial Analysis Training course, you'll gain a solid understanding of Financial Analysis Training. Moreover, this Financial Analysis Training course is ideal for: Finance professionals seeking advanced financial analysis skills enhancement. Business students aiming to gain practical financial analysis expertise. Entrepreneurs and business owners interested in understanding financial performance. Anyone aspiring to pursue a career in financial analysis roles. Investors looking to sharpen their investment decision-making abilities. Requirements There are no requirements needed to enrol into this Financial Analysis Training course. We welcome individuals from all backgrounds and levels of experience to enrol into this Financial Analysis Training course. Career path After finishing this Financial Analysis Training course you will have multiple job opportunities waiting for you. Some of the the following Job sectors of Financial Analysis Training are: Financial Analyst - £30K to 60K/year. Credit Analyst - £25K to 50K/year. Equity Analyst - £35K to 70K/year. Finance Manager - £40K to 80K/year. Risk Analyst - £28K to 55K/year. Certificates Digital certificate Digital certificate - Included Reed Courses Certificate of Completion Digital certificate - Included Will be downloadable when all lectures have been completed.

Course Overview Become an expert in the process of recording a company's financial journey and trace vital transactions with this introductory course on the Basics of Accounting. Accounting is one of the most prolific and important professions that are common across a wide range of business fields. With our help, you can learn how to make the most of your numeracy skills and excel in the art of money management for high-performing organisations, taking your career potential to new levels. This Accounting tutorial focuses on the fundamental terminology and principles of business accounting, enabling you to understand and appreciate the skills that are involved. You will be taught about investment schemes, financial reporting, recording systems, taxing, equity, leasing, and much more besides. By utilising this gained knowledge, you will be in an excellent position to gain a foothold in private accountancy or high-level organisational administration. Make your move to high-finance and enrol for this training now. This best selling Basic of Accounting has been developed by industry professionals and has already been completed by hundreds of satisfied students. This in-depth Basic of Accounting is suitable for anyone who wants to build their professional skill set and improve their expert knowledge. The Basic of Accounting is CPD-accredited, so you can be confident you're completing a quality training course will boost your CV and enhance your career potential. The Basic of Accounting is made up of several information-packed modules which break down each topic into bite-sized chunks to ensure you understand and retain everything you learn. After successfully completing the Basic of Accounting, you will be awarded a certificate of completion as proof of your new skills. If you are looking to pursue a new career and want to build your professional skills to excel in your chosen field, the certificate of completion from the Basic of Accounting will help you stand out from the crowd. You can also validate your certification on our website. We know that you are busy and that time is precious, so we have designed the Basic of Accounting to be completed at your own pace, whether that's part-time or full-time. Get full course access upon registration and access the course materials from anywhere in the world, at any time, from any internet-enabled device.  Our experienced tutors are here to support you through the entire learning process and answer any queries you may have via email.

This GRI, IEMA & CPD course is geared for busy professionals who want to understand how to proceed and create a 1st Class GRI Standards Sustainability Report and have a plan for immediate sustainability action without wasting time.

Overview Currently, IFRS consists of two principles-based standards, IAS 18 Revenue and IAS 11 (Construction Contracts) and three IFRS Interpretations. These were criticised for failing to provide adequate guidance on application - they have been described as 'vague and inconsistent'. The IASB and the US Financial Accounting Standards Board (FASB) collaborated on a project to develop improved, converged standards for revenue recognition. Preparers must develop a policy for measuring the amount and timing for recognising revenue for goods and services. Revenue is a key performance indicator that drives the recognition of expenses and profits and the valuation of an entity.

***24 Hour Limited Time Flash Sale*** AML, Corporate Finance and Financial Investigator Admission Gifts FREE PDF & Hard Copy Certificate| PDF Transcripts| FREE Student ID| Assessment| Lifetime Access| Enrolment Letter Do you suspect something fishy going on with a company's finances? Are you interested in learning how to track down suspicious activity and protect yourself from financial scams? A recent study by UK Finance found that £1.2 billion was lost to fraud in the first half of 2023 alone. If you want to be part of the solution and build a rewarding career in financial investigation, this comprehensive bundle is for you! Our course equips you with the expertise to analyse financial data, identify red flags, and contribute to a safer financial system. You'll gain a deep understanding of financial regulations, how to identify and report suspicious activity, and the investigative techniques used to unravel financial crimes. Additionally, you'll develop practical skills in financial wellness, internal audit, financial modeling, reporting, and management, giving you a well-rounded foundation for a successful career in finance. Key Features of the AML, Corporate Finance and Financial Investigator Bundle: 3 QLS-Endorsed Courses: We proudly offer 3 QLS-endorsed courses within our AML, Corporate Finance and Financial Investigator bundle, providing you with industry-recognized qualifications. Plus, you'll receive a free hardcopy certificate for each of these courses. QLS Course 01: Diploma in Anti Money Laundering (AML) and KYC Concepts at QLS Level 4 QLS Course 02: Diploma in Corporate Finance at QLS Level 4 QLS Course 03: Certificate in Financial Investigator Training at QLS Level 3 5 CPD QS Accredited Courses: Additionally, our bundle includes 5 relevant CPD QS accredited courses, ensuring that you stay up-to-date with the latest industry standards and practices. Course 01: Financial Wellness: Managing Personal Cash Flow Course 02: Internal audit skills Course 03: Financial Modelling Using Excel Course 04: Financial Reporting Course 05: Financial Management In Addition, you'll get Five Career Boosting Courses absolutely FREE with this Bundle. Course 01: Professional CV Writing Course 02: Job Search Skills Course 03: Self-Esteem & Confidence Building Course 04: Professional Diploma in Stress Management Course 05: Complete Communication Skills Master Class Convenient Online Learning: Our AML, Corporate Finance and Financial Investigator courses are accessible online, allowing you to learn at your own pace and from the comfort of your own home. Learning Outcomes of AML, Corporate Finance and Financial Investigator Develop a comprehensive understanding of Anti-Money Laundering (AML) principles and regulations. Analyze and interpret financial data to assess profitability during a financial downturn. Acquire advanced investigative techniques to detect and prevent financial crimes. Implement effective strategies for managing personal cash flow and achieving financial wellness. Gain expertise in internal audit skills and practices. Master financial modeling using Excel for accurate financial analysis and forecasting. Learn the fundamentals of financial reporting and management for informed decision-making. Don't wait - enrol today and unlock your full potential in the ever-evolving world of finance! Why Choose Us? Get 3 Free QLS Endorsed Certificate upon completion of AML, Corporate Finance and Financial Investigator Get a free student ID card with AML, Corporate Finance and Financial Investigator Training program (£10 postal charge will be applicable for international delivery) The AML, Corporate Finance and Financial Investigator is affordable and simple to understand This course is entirely online, interactive lesson with voiceover audio Get Lifetime access to the AML, Corporate Finance and Financial Investigator course materials The AML, Corporate Finance and Financial Investigator comes with 24/7 tutor support Start your learning journey straightaway! *** Course Curriculum *** QLS Course 01: Diploma in Anti Money Laundering (AML) and KYC Concepts at QLS Level 4 Module 01: Introduction To Money Laundering Module 02: Proceeds Of Crime Act 2002 Module 03: Development Of Anti-Money Laundering Regulation Module 04: Responsibility Of The Money Laundering Reporting Office Module 05: Risk-Based Approach Module 06: Customer Due Diligence Module 07: Record Keeping Module 08: Suspicious Conduct And Transactions Module 09: Awareness And Training QLS Course 02: Diploma in Corporate Finance at QLS Level 4 Learn More About This Course! Financial Analysis Cash Forecast Present Value Future Value Rate of Return and Adding Debt Risk Management Finance in Practice QLS Course 03: Certificate in Financial Investigator Training at QLS Level 3 Module 01: Introduction To Financial Investigator Module 02: Introduction To Financial Investigation Module 03: Characteristics Of Financial Crimes Module 04: Categories Of Financial Crimes Module 05: Financial Crime Response Plan Module 06: Collecting, Preserving And Gathering Evidence Module 07: Laws Against Financial Fraud =========>>>>> And 10 More Courses <<<<<========= How will I get my Certificate? After successfully completing the course, you will be able to order your Certificates as proof of your achievement. PDF Certificate: Free (Previously it was £12.99*13 = £168) QLS Endorsed Hard Copy Certificate: Free (For The 3 QLS Course: Previously it was £119*3 =357) CPD 450 CPD hours / points Accredited by CPD Quality Standards Who is this course for? Anyone interested in learning more about the topic is advised to take this bundle. This bundle is ideal for: Finance professionals seeking to enhance their expertise. Individuals aspiring to pursue a career in finance. Professionals looking to switch to a finance-related role. Students and graduates interested in the field of finance. Requirements You will not need any prior background or expertise to enrol in this bundle. Career path After completing this bundle, you are to start your career or begin the next phase of your career. AML Analyst Forensic Accountant Financial Crime Investigator Corporate Finance Analyst Financial Advisor Certificates Certificate in Financial Investigator Training at QLS Level 3 Hard copy certificate - Included Please note that International students have to pay an additional £10 as a shipment fee. CPD Accredited Digital Certificate Digital certificate - Included Upon passing the Course, you need to order a Digital Certificate for each of the courses inside this bundle as proof of your new skills that are accredited by CPD QS for Free. CPD Accredited Hard Copy Certificate Hard copy certificate - Included Please note that International students have to pay an additional £10 as a shipment fee. Diploma in Anti Money Laundering (AML) and KYC Concepts at QLS Level 4 Hard copy certificate - Included Please note that International students have to pay an additional £10 as a shipment fee. Diploma in Corporate Finance at QLS Level 4 Hard copy certificate - Included Please note that International students have to pay an additional £10 as a shipment fee.

Gain the skills and credentials to kickstart a successful career and learn from the experts with this step-by-step

Picture a world where your passion for fundraising, capital budgeting, and accounting can make a meaningful impact while leading to financial success. In the UK, professionals in these fields can earn an average annual salary of £35,000. Imagine equipping yourself with the knowledge and skills needed to excel in these areas. Introducing our captivating bundle of courses: "Fundraising, Capital Budgeting and Accounting." This fantastic bundle encompasses three essential courses designed to empower you with the expertise required to navigate the intricacies of fundraising, capital budgeting, and accounting. This bundle covers everything from attracting donors to making sound investment decisions and managing charity finances. By investing in this bundle, you are investing not only in your professional growth but also in the success and sustainability of charitable organisations. Each course in this bundle holds a prestigious CPD accreditation, symbolising exceptional quality. The materials, brimming with knowledge, are regularly updated, ensuring their relevance. This bundle promises not just education but an evolving learning experience. Engage with this extraordinary collection, and prepare to enrich your personal and professional development. Immerse yourself in these diverse, enthralling subjects, each designed to fuel your curiosity and enhance your knowledge. Dive in now! The courses in this bundle include: Fundraising Capital Budgeting & Investment Decision Rules Charity Accounting Learning Outcomes: Develop effective strategies to attract donors, secure funding, and maximise donation potential for charitable organisations. Analyse and evaluate investment opportunities using various decision rules to optimise resource allocation and contribute to long-term organisational growth. Understand charitable organisations' unique financial reporting requirements, including preparing financial statements and compliance with accounting standards. Navigate tax regulations and implications specific to the charity sector, ensuring compliance and effective financial management. Implement financial controls, budgeting processes, and risk assessment techniques to ensure transparency, accountability, and optimal use of resources in the charity sector. Build strong relationships with donors, stakeholders, and other professionals, fostering long-term support and collaboration for charitable causes. This captivating bundle combines three essential courses designed to equip you with the knowledge and skills needed to excel in the dynamic world of philanthropy and financial management within the charity sector. Whether you're a seasoned professional seeking to enhance your expertise or an aspiring individual passionate about making a positive impact, this bundle is your gateway to success. The Fundraising course dives into the world of donor engagement, sponsorship strategies, and successful fundraising campaigns. Learn how to evaluate investment opportunities, calculate project profitability, and make informed decisions to optimise resource allocation. This course will empower you to contribute to organisations' long-term growth and success. In the Capital Budgeting & Investment Decision Rules course, you will gain a deep understanding of evaluating investment opportunities. From cash flow analysis to risk assessment, you will learn how to make informed decisions using popular decision rules like NPV and IRR. By mastering these techniques, you will contribute to effective capital budgeting, ensuring optimal allocation of financial resources and driving long-term organisational growth. The Charity Accounting course is designed to equip you with the knowledge and skills necessary to manage finances in the charity sector. You will explore the specific financial reporting and regulatory requirements for charitable organisations, learn how to prepare accurate financial statements and navigate tax regulations. With a focus on transparency and accountability, this course will empower you to effectively manage charity finances and support the sustainability of charitable causes. CPD 20 CPD hours / points Accredited by CPD Quality Standards Who is this course for? This Bundle is Suitable For: Professionals working in charitable organisations involved in fundraising, finance, and accounting roles. Individuals seeking to transition into the charitable sector want to develop a strong foundation in fundraising, capital budgeting, and charity accounting. Non-profit organisation leaders, managers, and board members are responsible for financial decision-making. Fundraising and development professionals want to enhance their skills and effectiveness in donor engagement. Individuals interested in the intersection of finance and the non-profit sector want to impact charitable causes positively. Career path Our course will prepare you for a range of careers, including: Fundraising Manager: £25,000 - £45,000 per year Financial Controller (Charity Sector): £30,000 - £55,000 per year Charity Accountant: £25,000 - £45,000 per year Non-Profit Program Director: £35,000 - £65,000 per year Grants Manager: £28,000 - £45,000 per year Finance Director (Charity Sector): £40,000 - £80,000 per year Certificates Certificate Of Completion Digital certificate - Included Certificate Of Completion Hard copy certificate - £9.99 Unlock your potential and showcase your accomplishments with our CPD Quality Standards certificates! Upon successful completion of the course, learners can obtain a CPD Quality Standards PDF certificate for Fundraising absolutely free! Upon finishing Capital Budgeting & Investment Decision Rules and Charity Accounting, you'll have the opportunity to obtain valuable proof of your achievement. For just £4.99, we'll send you a CPD Quality Standards PDF Certificate via email, or if you prefer, you can get a beautifully printed hardcopy certificate for £9.99 in the UK. If you're located internationally, don't worry! We offer a printed hardcopy certificate for £14.99, ensuring your success knows no boundaries. Grab your certificate and celebrate your success today!

Unleash the Power of Seamless Payroll Management with 'Payroll with Xero' Course! 💰💼 Are you ready to revolutionize your payroll management process and streamline your financial operations? Introducing 'Payroll with Xero' - the ultimate text course designed to empower you with the skills and knowledge needed to master payroll administration using the powerful Xero platform. Whether you're a small business owner, HR professional, or aspiring accountant, this course is your ticket to unlocking the full potential of payroll management with ease and efficiency. Benefits of Taking the 'Payroll with Xero' Course: 🚀 Efficiency and Accuracy: Learn how to leverage Xero's advanced features to automate payroll processes, saving time and reducing the risk of errors. 📈 Financial Transparency: Gain insights into payroll reporting and analysis, enabling you to make informed financial decisions and maintain compliance with regulatory requirements. 💼 Enhanced Productivity: Discover tips and tricks for optimizing payroll workflows, increasing productivity, and freeing up valuable time for other essential tasks. 🔒 Data Security: Learn best practices for data security and confidentiality, ensuring that sensitive payroll information remains protected at all times. 📊 Integration Capabilities: Explore Xero's seamless integration with other accounting software and business applications, streamlining data exchange and enhancing overall efficiency. 🎓 Continuous Learning: Stay up-to-date with the latest payroll trends, regulations, and updates through ongoing training and resources provided in the course. Who is this for? 👩‍💼 Small Business Owners: Take control of your payroll management process and gain the confidence to handle payroll tasks independently. 👨‍💼 HR Professionals: Enhance your skills and expertise in payroll administration, becoming a valuable asset to your organization. 👩‍💻 Accounting Students: Kickstart your career in accounting by mastering payroll management with Xero, a highly sought-after skill in today's job market. 👨‍🏫 Business Consultants: Expand your service offerings and provide expert guidance to clients on payroll management using Xero's powerful tools and features. Career Path: 🎓 Payroll Administrator: Start your career as a payroll administrator, responsible for managing payroll processes and ensuring accurate and timely payment to employees. 📊 Certified Payroll Professional (CPP): Advance your career by obtaining professional certification as a CPP, demonstrating your expertise in payroll management and compliance. 💼 HR Manager: Transition into a leadership role as an HR manager, overseeing all aspects of human resources, including payroll administration and employee relations. 📈 Financial Analyst: Leverage your payroll management skills to pursue a career as a financial analyst, analyzing payroll data to inform strategic financial decisions. FAQ: Q: Is this course suitable for beginners? A: Absolutely! The 'Payroll with Xero' course is designed for learners of all levels, from beginners to advanced users. We provide step-by-step guidance and practical exercises to ensure that everyone can grasp the concepts and apply them effectively. Q: Will I receive a certification upon completion of the course? A: While this course does not offer a formal certification, you will gain valuable skills and knowledge that can be applied in various professional settings. Additionally, you'll have access to course materials and resources to support your ongoing learning journey. Q: Can I access the course content at my own pace? A: Yes! The course content is available online, allowing you to learn at your own pace and convenience. Whether you prefer to study in the evenings, weekends, or during your lunch break, you have the flexibility to access the materials whenever and wherever it suits you. Q: Is there any prerequisite knowledge required to enroll in this course? A: No prior experience with Xero or payroll management is necessary to enroll in this course. We start with the basics and gradually progress to more advanced topics, ensuring that learners of all backgrounds can follow along and succeed. Q: Are there any additional resources provided with the course? A: Yes! In addition to the course materials, you'll have access to supplementary resources such as practice exercises, case studies, and downloadable templates to reinforce your learning and apply the concepts in real-world scenarios. Q: Can I interact with instructors and other students in the course? A: Absolutely! We encourage interaction and collaboration among students and instructors. You'll have the opportunity to ask questions, participate in discussions, and share insights with fellow learners, creating a supportive and engaging learning environment. Enroll Now and Unlock the Power of Seamless Payroll Management with Xero! Don't miss out on this opportunity to elevate your payroll management skills and take your career to new heights. Enroll now in the 'Payroll with Xero' course and embark on a journey towards financial efficiency, accuracy, and success. Your future starts here! 💼💻📈 Course Curriculum Module 1 Introduction to Payroll Management and Xero Introduction to Payroll Management and Xero 00:00 Module 2 Setting Up Payroll in Xero Setting Up Payroll in Xero 00:00 Module 3 Payroll Processing and Compliance in Xero Payroll Processing and Compliance in Xero 00:00 Module 4 Advanced Payroll Management and Problem Solving with Xero Advanced Payroll Management and Problem Solving with Xero 00:00 Module 5 Compliance, Auditing, and Data Security in Xero Payroll Compliance, Auditing, and Data Security in Xero Payroll 00:00 Module 6 Integrating Payroll Data with Accounting and Financial Reporting in Xero Integrating Payroll Data with Accounting and Financial Reporting in Xero 00:00

ACCA Qualification is designed to provide the accounting knowledge, skills and professional values which will deliver finance professionals who are capable of building successful careers across all sectors, whether they are working in the public or private sectors, practicing in accounting firms, or pursuing a career in business. The ACCA Qualification is your route to professional status. Making a decision to study ACCA courses at Osborne Training will be one of the biggest decision you would make for your career. Assessment is by external examination. You must pass all the exams to be ACCA qualified. Once you finish all exams successfully, you will be awarded with ACCA certificate. Paper F1 Accountant in Business Paper F2 Management Accounting Paper F3 Financial Accounting (INT) Paper F4 Corporate and Business Law (UK) Paper F5 Performance Management Paper F6 Taxation (UK) Paper F7 Financial Reporting (INT) Paper F8 Audit and Assurance (INT) Paper F9 Financial Management