How Banks Can Better Plan Their Strategies With Stress Testing

Despite moving on for a decade, there is always a hounding question as to whether we have buried the demons of the nightmarish 2008 economic crisis in which the economy nosedived.

Banks are required to address the issue of bad loans big time. In the last five years or so, the banks have been hit most hard by the Non Performing Assets or NPA; so much so that the figure has almost tripled. Neither has it increased significantly in other countries. It is apparent that they have not been able to adequately assess the risks they are exposing themselves to. Is this risk worth it?

Why stress testing

This is exactly why the banks should have stress tests come in. Stress tests are a tool of observation using various verticals to ascertain whether banks have enough capital to survive adverse economic conditions. Stress tests can help identify banks’ risk appetite and mitigate the impact of market changes. If we look back at the 2008 global financial meltdown which caused the bloodbath in the markets, it could be construed that it was a direct result of suboptimal stress testing in banks. Shaken, most global banks have adopted stringent stress testing practices to help manage their risks and protect themselves from economic meltdowns. They have also adopted modern and more professional approach to recruit bankers by making banking training in Delhi a yardstick.

Top-down or bottom-up approach?

Given the volatile economy in the country, the banks in India realize stress testing as crucial for safety. Some are already doing their bit to improve risk assessment. However, they aren’t doing it right. Following just the traditional top-down approach has led to inadequate analyses. The right mix of top-down and bottom-up approaches is the secret sauce to building resilience and keeping NPAs at bay. But to successfully implement the mixed approach, banks and financial institutions must address the following issues: cultural inertia, data quality, and standardization of industry and sector classification.

Get the most out of stress tests

Stress testing is not a mere regulatory exercise anymore. It’s not just about managing risks or surviving stressful times. Banks can use the insights from stress tests to make smarter business decisions and strategic choices, and boost profitability.

As bankers with a certification from academies like assk academy of business management can help banks set up the right framework to strengthen their financial systems across

  • Risk appetite
  • Risk management
  • Balance sheet management
  • Capital management

The banks can work with the businesses to implement the right stress testing framework—one that can capture complex risk sensitivities as well as help address data quality issues. By bringing together the expertise across people, technology and process, the banks can focus on the core areas to mitigate risks and strengthen your financial systems.

Banking is a flourished and the most well managed sector in any country but some of the financial crisis or even lack of proper implementation can hinder the progress on an intermittent basis. Therefore, the banks are to be governed at the grass root level to keep their business operations productive for a longer period of time regardless of the economic slowdown.

Why Is Excel Always At The Heart Of Businesses?

The Microsoft Office spreadsheet created in the early 1980s remains an essential tool in performing certain tasks in a business. It is indeed a program that has many formulas capable of solving several problems in companies and even at the level of individuals. With Excel, the manipulation of numbers and data is easy. But, beyond all this, why are companies becoming more attached to this software? This article reveals the importance of Excel for businesses.

Why such success for Excel?

Today, companies cannot do anything without this important tool that is Excel. That’s why it’s better to learn how to use it first. Indeed, the software offers various functions of numerical calculations, data analysis, graphical representation, and even programming. With this software, it is easier to do basic calculations such as addition, subtraction, and even trigonometry, using the appropriate formulas that are integrated. Contemporary versions have a much more sophisticated and orderly drop-down menu thanks to grouping of functions by tabs (reception, insertion, display, and layout).

In addition, the menu presents the main functions that are best used during creation. With these functions, it is easier to insert your own data and make them speak with illustrations that synthesize them better and better. In addition, by doing advanced excel training courses in Delhi, you can create pivot tables that simplify the organization and synthesis of complex data. Also, Microsoft Excel has the ability to connect with external databases like SQL.

To better analyze Big Data, Excel is still an indispensable and more used tool. With this software, companies can easily reprocess and store previously collected data to perform their activity reporting. But for this data to be exploitable by the company, it will require multiple checks to make the figures reliable. It should be noted that crazy time is devoted to manipulations, reprocessing files, and even verifications. This leaves a little time for analysis. As a result, companies have preferred to develop their own applications. Thus, the time needed for an established user within the company to develop a powerful tool in Excel is more rational.

Some companies have made the choice to offer exit doors based on existing software on the market to allow their teams to quickly lead to the analysis phase. This solution should be optimal for these companies, but it is clear that the desired results are not most often achieved. Indeed, having these applications developed by an IT team can take a lot of time in which the needs and realities of the business can change. Thus, the deal changes, and the process of development no longer succeeds.

Help from decision-makers

To enable companies to better analyze their data, many applications have been designed. Others are even integrable with Excel allowing companies to benefit from the existing. Thus, they are able to rely on a safer tool without worrying about any technological complexity.

The course will be useful to those who, having a zero level of knowledge and skills with Excel, have the intention to get acquainted with the work and capabilities of the most popular table processor as quickly as possible. Mastering Excel from scratch will increase work efficiency, free up previously occupied human resources, thereby you can capitalize on opportunities and increase potential as an employee.

After mastering the excel training course, you can reduce the time it takes for you to complete the work. You will have the opportunity to set new goals and reach new horizons. Excel lessons provide hands-on training under the guidance of experienced practitioners. The training program provides for a phased study of all the tricks when working with the Excel program, which will fully allow you to perfectly master this program in practice. The work will cease to be routine for you but will become more interesting.

Use A Spreadsheet As A Pro With Excel Training

The mastery of computer tools and in particular, that of the Pack Office is today one of the skills required by recruiters. This is understandable since almost all the tasks in the company are done through computer programs, from the development of simple planning to the tracking of expenses and receipts, through presentation slides.

In this sense, Excel is one of the programs that every manager must control, if only for its practicality. Excel training, however, is necessary in order to use it effectively.

The contents of Excel training

Excel is one of the most used spreadsheets in the world. It is popular with businesses, and many executives and executives use it on a daily basis for their work. This spreadsheet makes it easy to complete several tasks, including tables and reports.

The training is, therefore, focused on mastering the various features of this program. This advanced Excel training allows, for example, better use of a PivotTable, a PivotChart, or Macro programming. Thanks to the training, the learner will be able to master the language and the techniques integrated into the spreadsheets. It is also possible to customize the content of advanced Excel training according to the activities and needs of the learner. This personalized training will focus on the features that it really needs.

To take advantage of this personalized program, we must turn to certified schools that offer this Excel training. The program includes, of course, theoretical courses and practices. This then allows you to practice with a custom Excel format.

Excel training courses in Delhi are made for those people who want to develop today’s most important and fundamental digital skills. The software of spreadsheets holds the most ubiquitous position among software that are used in the office around the globe. By learning how to confidently use the software, your employability portfolio will get an additional highly valuable asset in it. In-country like India, there are many job advertisements that are posted every day stating the need for excel skills. Several research proves that acquiring digital skills help in grabbing better employment opportunities and receiving a higher amount of income as compared to others. In the world where digital skill jobs are increasing at a high rate than non-digital jobs, having the specialization of using excel helps in positioning the way ahead of students.

By taking advanced excel training in Delhi NCR, the students can develop essential skills in them for getting jobs easily. At the completion of , the students pursuing the course will be able to design sophisticated spreadsheets along with making professional dashboards and doing complex calculations by taking the help of advanced characteristics and techniques of excel. The students will be then able to manage large datasets efficiently, present data, and extract meaningful information effectively. Besides, students will acquire the skills that are required to validate data and avoid errors in spreadsheets, do automation, make use of advanced formulas and conditional logic and make spreadsheets that help in forecast and model data.

Is Excel Training Really Beneficial For HR Employees?

Often, Human Resources professionals must fill out many forms and track a variety of data, from employee compensation plans to career development programs. The objective of this course is to simplify these tasks to invest more time with people and less with paper. The Excel tool helps you keep track and report your Human Resources data. For example, those responsible for selection follow up on incoming curricula, sources of candidates, number of candidates interviewed, the ratio of interviews-offers, reasons for dismissal, etc.

Directed:

In this course, numerous exercises will be carried out for the immediate implementation in the workplace. Likewise, students are given different models that they can use in their work, as well as manuals and practical exercises. In this distance advanced excel training course in Delhi, numerous exercises will be carried out for immediate implementation in the workplace. Likewise, students are given different models that they can use in their work, as well as manuals and practical exercises.

Directors and Human Resources managers

Directors and Personnel Administration Technicians

Responsible and Technical of any of the Human Resources areas

Human Resources Professionals and Technicians who wish to improve their performance and efficiency in their area of ​​competence.

The electronic sheet is an exceptional and incredibly versatile work instrument, successfully used by private companies and companies with a variety of purposes.

Among its strengths are the great ease of data entry (data entry), the ability to quickly modify a huge mass of data, and the ability to create complex graphics.

Such characteristics have led to diffuse use of spreadsheets, which are preferred despite the fact that there are specific instruments for the company’s activity. Especially in small and medium-sized enterprises, where the use of the spreadsheet is still widespread in the management of employee documentation, in the structuring of the vacation and permit plan, in the selection and evaluation of competencies and staff performance.

The motivations that normally encourage a company to continue using spreadsheets are:

  • Low cost
  • Custom

A need for minimal training.

If HR activities have always been developed with this instrument, it is quite reluctant to change, fearing (wrongly) of having to give up the information accumulated over the years. Even so, the personnel selection and consulting companies and all the companies that exceed 20-30 employees have a lot to lose if they continue to use a spreadsheet for Human talent.

Over the years, the amount and variety of archived and managed data multiplies, and the use of an instrument such as Excel™ in the management of human capital is becoming increasingly essential. The time lost due to faults, gaps, and the complexity of human work represents a living cost for the company since the same time could be devoted to more useful activities for the company.

A good part of the work that must be done within a company refers to the advanced excel training of its members to correctly perform their functions and keep up to date with the constant news of the market.

5 Professions Whose Representatives Need To Learn How To Work In Excel

Work skills in the Microsoft Excel spreadsheet editor are mentioned in almost every vacancy for office workers, but many applicants underestimate the complexity of this program until they come across it in practice.

Why study Microsoft Excel?

Excel is the most useful, versatile, and feature-rich tool in the Office suite, and the time is taken to learn; it can be the most valuable investment in your career. The main purpose of excel training in Delhi NCR is the storage, analysis, and visualization of data, the creation of reports, and complex calculations.

For most workers, it’s enough to master several basic operations – working with sheets, importing and exporting data, sorting and filters, filling out tables mechanically, reporting, and a couple of simple formulas. But for representatives of certain professions, a high level of proficiency in Microsoft Excel is a priority.

Who cares about Microsoft Excel?

Database administrators

Lists and databases are the most common way to use Excel. To one degree or another, XL format tables are used in all areas, but they are especially relevant, where you have to deal with large amounts of data. In the spreadsheet editor, you can create and quickly fill out databases, sort and filter huge amounts of information according to various query criteria, make selections, and report using summary tables.

Accountants

For accountants, Excel is indispensable – it can work in conjunction with professional accounting systems such as 1C, and instead of them. Accounting software allows you to export data to Excel pivot tables to conduct in-depth analysis on various parameters and generate reports. Also, using Excel, complex calculations are performed using various corrections and coefficients that can be standardized for cyclically repeated operations. In addition, the spreadsheet editor is often used to create documents – price lists, invoices, and other forms.

Economists and financial analysts

The spreadsheet editor has extensive functionality for financial calculations: using the formulas, you can calculate interest, penalties, interest on loans and credits, instantly recalculate prices taking into account currency fluctuations and other variables. Excel functions allow you to analyze data of any complexity: ABC and XYZ, factor and variance analysis, sensitivity analysis of investment projects, and many others. This is a great tool for market research, sales forecasting, and compilation of summary reports with graphs and charts.

Bank employees

Excel has many functions for calculating various indicators for banking products. For example, to calculate favorable interest rates taking into account the solvency of an individual or enterprise, determine monthly payments based on the interest rate, the number of periods and the loan amount (PMT function), calculate loan repayment periods (KPER function), calculate bank income for loans with a given amount, monthly payments and maturity (BET function).

Sales/Purchasing Managers

Excel spreadsheets are often used as CRM to maintain a customer or vendor database. In the advanced excel training courses, it is convenient to group data according to certain criteria – the date of the call, the “hot” or “cold” client, the status of the transaction, the volume of the order. In addition, in Excel, you can store assortment lists for uploading to the online store, keep trade records, do sales analysis and forecasting, prepare commercial offers, calculate discounts and special conditions for loyalty programs.

Quick Tips For Using Excel Better

As you know, Excel is one of the most comprehensive tools for working with spreadsheets, charts, calculations, and reports. Frequently adopted in the business world for better management of tasks, excel training institute in Delhi stated thatExcel is very much asked by its employees to know his knowledge.

Among so many features and importance, working with Excel is not always a practical task. Thinking of this, we have separated the tips 10 to use Excel more productively. Follow us:

  1. Transposing row data into columns

We often copy data from anywhere to Excel, or we open a particular spreadsheet received by email, but the information does not seem to be organized as we wish. A handy function in Excel is the transposition of data from rows to columns without having to re-enter the information manually.

  1. Context menu

You have used Excel daily and note that some features are used at any time. Therefore, it is evident that automating these resources with easy-access shortcuts would be a great time-saver.

By default, Excel offers three shortcuts in the top menu, namely: Save, Undo, and Enter text again. Therefore, go to File> Options> Quick Access Toolbar and add the desired shortcuts. At the end of the operation, click OK and check the result.

  1. Identify duplicate values

Have you ever received a long list of entries in your email and had you manually identified the existence of duplicate information? Note that by using the conditional formatting feature, you can quickly find out if a list contains duplicate data.

Excel Training

Then select it and go to Home tab> Conditional Formatting> Highlighted Cell Rules> Duplication Values.

Choose to format for the cells and click OK.

  1. Adjust lines and columns

It is very common to adjust the width of rows and columns in Excel to better organize the data entered. However, when you use this refusal manually, in addition to working, you may not be able to maintain a template in the dimensions of each row or column.

Thus, to adjust them quickly, select the cells that will receive the adjustments and access the options: Home tab> Format> Row height or Column width.

A small window will open to enter a value for the new dimension. In this case, enter the desired value and click OK.

  1. Quick formatting of tables

Formatting tables are considered a difficult task for many users. But if this task were simplified in a few clicks, it would be great, would not it?

With the Cell Style feature, you can get quick formatting of tables, including titles. To do this, select the table to format and access the options: Home tab> Cellular Stiletto and select the desired formatting.

Based on the tips given above, you can get better productivity in Excel activities for better results in reduced work time. Therefore, these simple tips by advanced excel training institutes in Delhi NCR can make a big difference in the quality of the work done by users.

How To Use Excel At Its Best: 7 Functions For Beginners To Improve Productivity

Beyond the activity and the size of the budget we all have had to use Excel or other spreadsheet software and, whether it was to analyze data, it was to schedule activities or keep a list of essential contacts email, we all came across some complicated and complex actions.

It’s time to learn some basic but essential tricks to use Excel by doing advanced excel training courses in Delhi, so here’s a good guide on how to use Excel: a real manual containing some tricks to simplify the main features you might need to maximize productivity.

Ready to find out how best to use this essential software? Let’s start now!

# 1 – Add multiple rows or columns in Excel

When handling a lot of data, you may need to add multiple rows and columns in a spreadsheet. 90% of people would calmly (and be patient) add them one at a time. But if the rows or columns to be added were tens or worse, hundreds? Doing it one by one would be suicide! Fortunately, there is always a more natural way.

# 2 – Use the filters in Excel

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The filters represent a tool that allows the user to find within a table more or less abundant in data, the information he needs merely and immediately.

If, for example, you have a document full of companies and addresses, but you only need the names of a particular province, the filters help you to identify what you need on the fly.

How to add a filter in Excel:

  • Enter your worksheet;
  • Select the area to which you want to apply the filter;
  • Click on the toolbar at the top (in some versions it may be under the heading “data”);
  • Choose sort and filter (in some versions the two functions are separate);
  • In the drop-down menu choose filter (the automatic one usually adapts to the vast majority of cases).

After these simple steps, next to each column title will appear an arrow pointing downwards that leads to a drop-down menu from which you can drive the filter.

# 3 – Remove duplicate fields in Excel

With the help of excel training course in Delhi, you cannot miss the description of the handy feature to remove duplicates, which allows you to check and delete data duplications in a spreadsheet.

To proceed in this sense after entering your worksheet, you must:

  • Select the area of data on which you want to check for duplicates;
  • Select the data tab in the toolbar and choose advanced filter where you will find the portion of cells selected for the control;
  • Check the unique record copy entry to hide duplicate values allowing you to view a copy of the information including unique values;
  • Indicate the area of the worksheet where you want to copy the filtered data;
  • Save the new list of values using a different name from the previous one to completely delete the duplicate values.

# 4 – Transpose data from rows to columns or vice versa, in a snap

Select the data to be rearranged (including if necessary also the row or column labels) and copy them (the keyboard shortcut is the famous Ctrl + C);

With the right mouse button, then click on the first cell in which the data will be pasted and choose the Transpose function (usually placed in the “Paste Special”), and you’re done!

# 5 – Conditional formatting in Excel

The conditional formatting function allows you to quickly highlight the most important data available within a spreadsheet according to specific rules. When the default rules are not sufficient to meet the individual needs of users, you can add a formula to a conditional formatting rule that simplifies the execution of operations.

Excel Training: The Reasons For Training

An advanced excel training institute in Delhi can help you find work. Knowing the functionality of a software more widespread in the world can only be a plus. In reality, learning Excel will allow you to be one step ahead of others.

Excel software, what is it for?

Excel is part of the data processing tools. With Excel, you can perform many transformations from raw data such as formatting, ordered calculations, management, and so on. However, the function of this software is not limited to the aesthetic aspect of the presentation of the data, but it focuses more on creating a particular association that aims to make them usable.

To create a reliable database, nothing is more efficient than the Excel spreadsheet. The latter is an intelligent solution able to memorize and organize the data. It is an efficient system used to save time because in practice it is enough to create a spreadsheet or to use a pre-existing model and to carry out analyzes with various formulas.

Excel Training

Excel training, is it important?

The advanced excel training in Delhi you learn how to handle major IT tools, the Excel spreadsheet, in particular, is a tremendous asset to incorporate a business. This office software has invaded the majority of professional spaces and has become unavoidable. Although it is crucial to learn Excel, many people do not master it yet. According to statistics, 80% of French people have a computer, only a few of them know how to handle this tool perfectly.

Excel training: examples of trades requiring the use of Excel

We have selected for you a job list where Excel knowledge is required.

Financial analysts

This position requires daily analysis of financial data. Indeed, in order to give verdicts and conclusions based, analysts should learn Excel. Their proficiency in a spreadsheet will help the various organizations to make more informed judgments.

Administrative assistants

In the United States, for example, 6157 job vacancies include “Microsoft Excel required” in their ads. Certainly, the daily routine of an administrative assistant revolves around Excel.

Accountants

This selection would not be completed until the accountants were included. It is true that they often work with sophisticated accounting software such as Quick Books, however, they must be proficient in Excel.

Project Manager

These managers must be aware at all times of the various actions to ensure that they stay on track. To ensure proper dispatch of human resources and manage the creation of documents, project managers must navigate easily through the information they have before them.

Data reporter

A data journalist today has to manipulate huge amounts of data to provide credible information. Before playing with tools that handle a larger database, Excel is their main instrument.

Reasons To Learn Excel In 2018

Why learn Excel in 2018? The reasons for learning Excel are many, here we will list some, which in truth have been valid for several years and will hardly fall in the future.

These reasons have their origins in the late 80s when Microsoft had found the gold for having first thought out of the box by offering a widely available and “foolproof” operating system. As the large companies understood the potential of computing, Microsoft won large licensing contracts in all sectors. Especially in the field of finance, where Excel mastered unchallenged.

Now we are in 2018 and second-generation professionals have developed their skills on Microsoft tools. Although all the excellent tools have their place, Excel stands out and here are some reasons why it is good to have an advanced excel course and develop your skills this year.

Reasons to learn excel

  1. Excel is a universal language spoken in all companies

For those working in the company, it is now more common to hear the word “Excel” than the word “worksheet”. Of course, there is much other software that can allow you to work on an electronic worksheet. However, this other software does not provide the same usefulness as Excel. Because very simply, as indicated in the title, Excel is everywhere!

Like it or not, Excel uses it all and has become a universal language in the workplace.

  1. Stop thinking about Excel as an electronic worksheet

Excel is a tool for solving problems. Certainly, it can be used as a spreadsheet. Data analysis, financial analysis, accounting, are all things you can do with a traditional worksheet, but this is only a small fraction of what you could do with Excel. Or rather, the calculation is only a small fraction of what Excel can do for you!

Do not limit yourself as many professionals to believing that Excel is a boring spreadsheet to do boring calculations of boring numbers.

  1. Create more time, can you?

Time, the true value of money. In your life, there will never be anything more precious than your time. The more you learn and better with Excel, and the better results you will be able to get from Excel.

The time savings that Excel can make you achieve is remarkable. Already the use of dynamic formulas can get you good results. Advanced tools like Pivot and Simulation Analysis are other excellent time- saving tools. Not to mention the VBA that can reduce your work hours and hours by automating your procedures.

  1. Excel will not disappear easily

Excel, it will not disappear into thin air. Having an excel training course in Delhi is not like learning SEO, where the algorithms are secret and constantly changing. In SEO, what you learn today in a few years or a few months may not be worth anything. Excel is stable, does not change, at best it improves, and if you learn how to use it, you will have knowledge that will remain valuable even in the distant future.

  1. Small Data and Big Data

Everyone has heard of Big Data and the importance they are taking in today’s society. In recent years, however, another trend has also grown, not so much in Italy when in the English-speaking countries. That of Small Data (small data) or Local Data (local data). For example, companies have more and more clear concepts of CRM and ERP, both database one of customers, the other of the company’s resources, and both databases essential for a business.

Benefits Of Hiring Employees Who Know How To Use Excel

Excel is doubtless one of the tools most sought after by companies around the world, and exist in hundreds of thousands of business computers. This is because its versatility makes complex tasks simple and gives an opportunity to those who know how to use their purposes, tools for analyzing information and ways of performing complex calculations, which previously brought tremendous efforts. Therefore, anyone who knows how to use and collect spreadsheets in Excel can say that they know how to program using the significant programming language in the world.

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After studying the basics of the work of the instrument and the basic formulas of calculation, your possibilities will be almost endless. And you will no longer be frightened of this transparent canvas, but instead, you will see it as a window for countless opportunities.

When developing and using spreadsheets in Excel, a person tries to optimize his time, as he automates repetitive processes and saves time and effort, and as soon as the formula of some calculations is ready, this calculation will be made automatically when you want. With each new filled row from the day column to the status column, the worksheet regroups all the formulas by itself and updates the daily accumulated balance cell, as well as the total revenue or expense per month, as well as update all reports and graphs related to these data.

Also, even if you do not use prescriptions, advanced excel training also works as a great way to record and consolidate data for later analysis, in many cases even better than Word or a notepad for it.

Such an abstract can be written on paper or in the Word itself, but we turn to Excel because it gives us the opportunity to analyze and better understand the results of this study. For example, Excel provides us with the capacity to filter information quickly, so we can check, for example, how the answers were exclusively from men, people in business and the age group from 25 to 39, and companies to employees 15. All this, making a few clicks and not spending hours on the division of documents.

Benefits of having advanced excel course so that your employees learn Excel:

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  • Valorization of employees: By contributing a course to their employees, they will understand that the company believes in its potential and appreciates its employees so that they can generate the best personal results.
  • Process improvement: Employees who can use Excel can create routines in the spreadsheet that automate and optimize internal processes, tracking historical information.
  • Improving critical analysis: By studying the data in the tables, employees will have more analytical meaning and will, therefore, seek to search for data and information to support their decisions and opinions.
  • Simple Problem Solving: Using logical arguments to develop complex formulas that can extract the right data from an elaborate report, your employees will produce competencies that will help them solve other types of logical problems.
  • Combine important information: Employees who know how to collect spreadsheets can collect detailed reports with graphs and comparative data for attendance at a meeting or director.
  • Improve the organization: Who knows how to use Excel is usually well ordered with information because they are listing it in a database or spreadsheets for possible future discussions.