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Description

Financial Calculations: Mastering Interest, Discounting and Offer Comparison

Regain confidence with the interest and discounting calculations used every day in branch

  • 2 days — 14 h
  • In-person or virtual
  • Foundation
  • Up to 6 participants

An amortisation schedule misread, a headline rate confused with an effective rate, two offers compared on the monthly instalment alone: financial calculation errors cost credibility in front of the client, and sometimes far more. Many staff rely on tools that produce a figure without being able to rebuild or explain it.

Two hours to revisit the underlying mechanics: simple and compound interest, discounting, building a repayment schedule and comparing financing offers on a like-for-like basis. The short format targets autonomy on everyday calculations and the ability to explain a figure to the client.

Learning objectives

  • Distinguish simple interest from compound interest
  • Calculate the future value and present value of a cash flow
  • Build a repayment schedule
  • Explain the gap between a nominal rate and an effective rate
  • Compare two financing offers on a consistent basis

What makes this programme different

Calculations worked by hand before being reproduced on a spreadsheet
Examples drawn from everyday commercial situations
A method for explaining a rate to the client without jargon

Programme

1Interest and Capitalisation

Setting out the mechanics

  • Simple interest and investment periods
  • Compound interest and capitalisation
  • Future value of a capital sum
  • Converting between compounding frequencies

2Discounting and Cash Flows

Bringing amounts back to a common date

  • Present value of a single cash flow
  • Discounting a series of cash flows
  • Level annuities and variable instalments
  • Using discounting to compare offers

3Lending and Offer Comparison

From calculation to advice

  • Building an amortisation schedule
  • Nominal rate, effective rate and total cost
  • Impact of fees and insurance on total cost
  • Presenting the calculation to the client

Who is it for

Banking and insurance staff, along with relationship managers and advisers who handle financing calculations.

Prerequisites

No prerequisites

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.