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Definition of Du Pont
model a model that indicates the return on investment
A breakdown of ROE and ROA into component ratios.
Highlights the fact that return on assets (ROA) can be expressed in terms
An equation determining aggregate output as a function of aggregate inputs such as labor and capital.
A table of accounts receivable broken down into age categories (such as 0-30 days, 30-60
Classification of accounts receivable by time outstanding.
A schedule that shows precisely how a loan will be repaid. The schedule gives the required payment on each specific date and shows how much of it constitutes interest and how much constitutes repayments of principal.
An annuity with n payments, wherein the first payment is made at time t = 0 and the last
Annuity where the payments are to be made at the beginning of
a series of equal cash flows being received or paid at the beginning of a period
Level stream of cash flows starting immediately.
an incidental output of a joint process; it is salable,
A product that is an ancillary part of the primary production process, having
A material created incidental to a production process, which can be
The investigation of a firm's business in conjunction with a
a process costing document that
the practice of lowering current costs, especially
Coverdell Education IRA
A form of individual retirement account whose earnings
A flat amount that an insured must pay before the insurance company makes any benefit payments under a health insurance policy.
The use of general fact to provide accurate information about a specific situation.
The product of modified duration and the initial price.
Dow Jones industrial average
This is the best known U.S.index of stocks. It contains 30 stocks that trade on
Dow Jones Industrial Average
Index of the investment performance of a portfolio of 30 “blue-chip” stocks.
Eurobonds that pay coupon interest in one currency but pay the principal in a different
dual pricing arrangement
a transfer pricing system that allows
Dual syndicate equity offering
An international equity placement where the offering is split into two
An instrument evidencing the obligation of a seller to deliver securities sold to the buyer.
The process of systematically evaluating information, to identify risks and issues relating to a proposed transaction.(i.e. verify that information is what it is proposed to be).
selling products abroad at lower prices than those
A common gauge of the price sensitivity of an asset or portfolio to a change in interest rates.
The weighted average of the time until maturity of each of the
The expected life of a fixed-income security considering its coupon
The time it takes for a policy or annuity to reach maturity.
Auction in which the lowest price necessary to sell the entire offering becomes the price at
economic production run (EPR)
an estimate of the number
Educational Assistance Plan
A plan that an employer creates on behalf of its
The duration calculated using the approximate duration formula for a bond with an
equivalent units of production (EUP)
an approximation of the number of whole units of output that could have been
Factor of Production
A resource used to produce a good or service. The main macroeconomic factors of production are capital and labor.
Fraudulent Financial Reporting
Intentional misstatements or omissions of amounts or disclosures
Good delivery and settlement procedures
Refers to PSA Uniform Practices such as cutoff times on delivery
grade (of product or service)
the addition or removal of product
A policy of decreasing the rate of growth of the money supply gradually over an extended period of time, so that inflation can adjust with smaller unemployment cost. Contrast with cold-turkey policy.
Graduated-payment mortgages (GPMs)
A type of stepped-payment loan in which the borrower's payments
Gross Domestic Product
Total output of final goods and services produced within a country during a year.
Gross domestic product (GDP)
The market value of goods and services produced over time including the
Gross National Product
Total output of final goods and services produced by a country's citizens during a year.
Gross national product (GNP)
Measures and economy's total income. It is equal to GDP plus the income
Insurance that is offered to individuals rather than groups.
Individual Retirement Account
A personal savings account into which a defined
Individual Retirement Annuity
An IRA comprised of an annuity that is managed
The attempt to use information about a specific situation to draw a conclusion.
Industrial revenue bond (IRB)
Bond issued by local government agencies on behalf of corporations.
The category describing a company's primary business activity. This category is usually determined
Institutionally Induced Unemployment
Unemployment due to institutional phenomena such as the degree of labor force unionization, the level of discrimination, and government policies such as unemployment insurance programs, minimum wages, or regulations on business.
Investment product line (IPML)
The line of required returns for investment projects as a function of beta
A product that has the highest sales value from among a group of products
The technique of stripping all non-value-added activities from
Loan amortization schedule
The schedule for repaying the interest and principal on a loan.
The weighted-average term to maturity of the cash flows from the bond, where the
A widely used measure of price sensitivity to yield
Mandatory redemption schedule
Schedule according to which sinking fund payments must be made.
The ratio of Macaulay duration to (1 + y), where y = the bond yield. Modified duration is
The Macaulay duration discounted by the per-period
Modular bill of material
A bill of material format in which components and subassemblies
A modification of standard duration to account for the impact on duration of MBSs of
National Income and Product Accounts
The national accounting system that records economic activity such as GDP and related measures.
A situation in which the price of the MBS moves in the same direction as interest rates.
Net Domestic Product
GDP minus depreciation.
Net National Product
GNP minus depreciation.
A general term referring to period costs, such as selling, administration and financial expenses.
A tangible asset with unique physical properties, like a parcel of land, a mine, or a
A document that outlines the terms of securities to be offered in a private placement.
A "prosperous-like" document providing detailed descriptions of a company's past, present, and prospective business operations. It is normally prepared for the use of potential purchasers of securities offered under the seed capital or private placement prospectus exemptions.
Process flow production
A production configuration in which products are continually
the total units produced during a period
Any item intended for sale.
an assessment about the number of components in a product
product contribution margin
the difference between selling price and variable cost of goods sold
The cost of goods or services produced.
This is a key factor in the profit model of a business. Product
a cost associated with making or acquiring inventory
The total of all costs assigned to a product, typically including direct
The time it takes to bring new and/or improved products to market.
product life cycle
a model depicting the stages through
product line margin
see segment margin
A business’s investment in technology, people and materials in order to make, buy and sell products or services to customers.
product- (or process-) level cost
a cost that is caused by the development, production, or acquisition of specific products or services
A type of mortgage-pipeline risk that occurs when a lender has an unusual loan in production or
See sales mix.
the number of different types of products
An agreement by the loan purchaser to allow the monthly loan quota to be
A general term referring to indirect costs.
Production payment financing
A method of nonrecourse asset-based financing in which a specified
Production yield variance
The difference between the actual and budgeted proportions
the number of total units that could be
Output per unit of input, usually measured as output per hour of labor.
This concept refers to a separate source of revenue and
Regulatory accounting procedures
Accounting principals required by the FHLB that allow S&Ls to elect
REMIC (real estate mortgage investment conduit)
A pass-through tax entity that can hold mortgages
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