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Corporate Finance & Valuation Intermediate

Banking & Insurance Math

Calculate net interest margin, price a loan, run a rate-shock gap analysis, compare APYs, weight assets for capital, price insurance risk and reserve claims with the chain ladder, on live auto-graded spreadsheets.

8 lessons 8 labs 1.8 h Certificate

  • One-time payment
  • 14-day money-back guarantee
  • Secure checkout with Stripe

What you'll build

What you will be able to do

Each lab ends with a concrete result that you build yourself and the checker confirms, cell by cell.

  • Turn Lakeside Community Bank's average balances and rates into interest income, interest expense, the net interest margin and the spread.
  • Build the minimum rate Lakeside must charge on a $2.5 million business loan and size the gap to the rate the client asks for.
  • Calculate Lakeside's repricing gaps, the one-year cumulative gap and how much net interest income changes if all rates rise by 2 points.
  • Compare compounding frequencies, grow a 3-year deposit, check a rival offer and find the nominal rate behind an advertised APY.
  • Weight Lakeside's assets by risk, calculate its capital ratio and find how much new lending the capital surplus could carry.
  • Price Ridgeway Mutual's homeowners cover by segment: expected loss per policy, gross premium with loadings, and the portfolio totals.
  • Turn Ridgeway Mutual's written premium and claims into earned premium, the loss ratio, the expense ratio and the combined ratio.
  • Project Ridgeway Mutual's general-liability claims to ultimate with the chain-ladder method and estimate the IBNR reserve.

About this course

Banks and insurers look different on the surface, but both run on a few core calculations. This course covers them in one place. On the banking side you read a balance sheet and compute net interest margin, build a loan rate from funding cost, risk and overhead, and test an interest rate gap against a rate shock. You compare deposit compounding and APY and calculate risk-weighted assets and a capital ratio. On the insurance side you price premiums from claim frequency and severity plus loadings, analyse loss, expense and combined ratios, and estimate claims reserves including IBNR with the chain ladder method. A practical overview for finance students, junior analysts and anyone starting out in financial services.

Curriculum

Course content

8 lessons · 8 labs · 1.8 h · final exam

  1. The bank balance sheet & net interest marginLab13 min4 checked tasks
    Unlocked when you buy the course
  2. Loan pricing: build the rate from its costsLab13 min5 checked tasks
    Unlocked when you buy the course
  3. Interest-rate gap analysis & a rate shockLab14 min5 checked tasks
    Unlocked when you buy the course
  4. Deposit interest, compounding & APYLab13 min4 checked tasks
    Unlocked when you buy the course
  5. Risk-weighted assets & the capital ratioLab13 min4 checked tasks
    Unlocked when you buy the course
  6. Insurance premiums: frequency × severity + loadingsLab13 min4 checked tasks
    Unlocked when you buy the course
  7. Loss ratio, expense ratio & combined ratioLab12 min4 checked tasks
    Unlocked when you buy the course
  8. Claims reserving: chain ladder & IBNRLab16 min4 checked tasks
    Unlocked when you buy the course
  9. Final exam12 questions, 75% to pass, unlimited retries.

Certificate

Finish with a certificate you can verify

Complete every lesson and pass the final exam to receive a certificate of completion for this course, with a unique credential ID and a public verification page.

  • Names the course, your score and the date of issue
  • A verification link for your CV or LinkedIn profile
  • 12 questions, 75% to pass, unlimited retries.

A Tutorvo certificate confirms that you completed a course. It is not an official or professional qualification.

Illustration. Your certificate shows your own name, course and credential ID.

Before you buy

Questions about this course

Is this a subscription?

No. You pay $9.99 once for this course. There is no subscription and nothing renews automatically. Prices are in US dollars; taxes may be added where required.

What exactly do I get?

All lessons and labs of this course, the final exam and the certificate, including later updates to the course, for as long as Tutorvo offers it. Access is personal and tied to your account.

Can I get a refund?

Yes. If you are not satisfied, email hello@tutorvo.com within 14 days of buying and we refund the course in full via Stripe. The guarantee does not apply once a certificate for the course has been issued to you, or where there are signs of abuse.

When can I start?

Right after payment. Access starts immediately at your request; for consumers in the EU/EEA the statutory right of withdrawal therefore ends once access has begun, while our 14-day money-back guarantee applies regardless.

Do I need Excel or other software?

No. The labs run in a spreadsheet inside your browser on a laptop, tablet or phone. Function names and syntax follow Excel.

Is the certificate an official qualification?

No. It confirms that you completed all lessons of the course and passed its final exam. It is not an official, state-recognised or professional qualification. The name is taken from your profile when the certificate is issued.

Full details are in our Terms · hello@tutorvo.com

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