{"id":6482,"date":"2018-02-21T08:51:00","date_gmt":"2018-02-21T08:51:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6482"},"modified":"2023-01-10T09:02:45","modified_gmt":"2023-01-10T09:02:45","slug":"pagrindiniai-finansiniai-terminai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/pagrindiniai-finansiniai-terminai\/","title":{"rendered":"Pagrindiniai finansiniai terminai"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>J\u016bs\u0173 verslo id\u0117ja puiki ir \u012fkvepianti, pradin\u0117s investicijos \u012fgyvendintos, l\u0117\u0161os pl\u0117trai pritrauktos i\u0161 investuotoj\u0173. Pats laikas skirti kelet\u0105 minu\u010di\u0173 ir susipa\u017einti su pagrindiniais finans\u0173 terminais, kurie pad\u0117s ne tik pa\u010diam \u012fvertinti savo versl\u0105, bet ir suprasti k\u0105 kalba finans\u0173 analitikai.<\/p>\n<p><strong>Aktyvai (l\u0117\u0161os) \u2013\u00a0<\/strong>visas \u012fmon\u0117s turtas, \u012fskaitant pinigus, inventori\u0173, i\u0161 anksto sumok\u0117tas sumas, transporto priemones. Aktyvai atvaizduojami kair\u0117je balanso pus\u0117je ir parodo organizacijos turto sud\u0117t\u012f bei vert\u0119 balanso sudarymo dien\u0105.<\/p>\n<p><strong>Apyvartin\u0117s l\u0117\u0161os (apyvartinis kapitalas) \u2013\u00a0<\/strong>tai trumpalaik\u0117s l\u0117\u0161os, naudojamos vykdant kasdienin\u0119 \u012fmon\u0117s veikl\u0105.<\/p>\n<p><strong>Apyvartumas \u2013<\/strong><span>\u00a0<\/span>rodiklis, parodantis kaip efektyviai naudojami \u012fmon\u0117s i\u0161tekliai. Jis apskai\u010diuojamas trumpalaik\u012f turt\u0105 dalinant i\u0161 trumpalaiki\u0173 \u012fsipareigojim\u0173.<\/p>\n<p><strong>Balansas \u2013\u00a0<\/strong>ataskaita apie finansin\u0119 \u012fmon\u0117s situacij\u0105 tam tikru momentu. Joje atvazduojamas \u012fmon\u0117s turimas turtas, \u012fsipareigojimai bei nuosavas kapitalas.<\/p>\n<p><strong>Bendrasis pelnas \u2013\u00a0<\/strong>pelnas, gautas i\u0161 pardavimo pajam\u0173 at\u0117mus produkto savikainos i\u0161laidas.<\/p>\n<p><strong>EBITA<\/strong><span>\u00a0<\/span><strong>\u2013<\/strong><span>\u00a0<\/span>tai \u012fmon\u0117s pelnas prie\u0161 pal\u016bkanas, mokes\u010dius ir amortizacij\u0105 (Earnings\u00a0Before\u00a0Interest,\u00a0Taxes and\u00a0Amortization<em>)<\/em>.<\/p>\n<p><strong>EBITDA<\/strong><span>\u00a0<\/span>\u2013 tai \u012fmon\u0117s pelnas prie\u0161 pal\u016bkanas, mokes\u010dius, nusid\u0117v\u0117jim\u0105 ir amortizacij\u0105\u00a0(Earnings Before Interest, Taxes, Depreciation and Amortization).<\/p>\n<p><strong>Grynasis pelnas \u2013\u00a0<\/strong>u\u017edirbta suma, likusi i\u0161 pajam\u0173 at\u0117mus visas patirtas i\u0161laidas \u012fskaitant ir pelno mokest\u012f.<\/p>\n<p><strong>Ilgalaik\u0117s paskolos \u2013\u00a0<\/strong>finansiniai \u012fsipareigojimai, kurie tur\u0117t\u0173 b\u016bti \u012fvykdyti per ilgesn\u012f nei vieneri\u0173 met\u0173 laikotarp\u012f.<\/p>\n<p><strong>Nuosavyb\u0117s gr\u0105\u017ea (Return On Equity \u2013 ROE)<\/strong><span>\u00a0<\/span>\u2013 tai rodiklis, parodantis kok\u012f peln\u0105 \u012fmon\u0117 u\u017edirba lyginant su jos nuosavu kapitalu. Rodiklis apskai\u010diuojamas gryn\u0105j\u012f peln\u0105 dalinant i\u0161 nuosavo kapitalo.<\/p>\n<p><strong>Pasyvai \u2013<span>\u00a0<\/span><\/strong>tai \u012fmon\u0117s \u012fsipareigojimai, atvaizduojami de\u0161in\u0117je balanso pus\u0117je. Tai \u012fmon\u0117s skolos, rezervai, savinink\u0173 nuosavyb\u0117.<\/p>\n<p><strong>Pelno (nuostoli\u0173) ataskaita \u2013\u00a0<\/strong>ataskaita, parodanti \u012fmon\u0117s finansin\u012f rezultat\u0105 per tam tikr\u0105 laikotarp\u012f. Joje nurodoma: pardavimo pajamos, pardavimo savikaina, bendrasis pelnas (nuostoliai), veiklos s\u0105naudos, veiklos pelnas (nuostoliai), pelnas (nuostoliai) prie\u0161 apmokestinim\u0105, pelno mokestis, grynasis pelnas (nuostoliai).<\/p>\n<p><strong>Pelno mar\u017ea<\/strong><span>\u00a0<\/span>\u2013 tai rodiklis, parodantis kiek \u012fmon\u0117 u\u017edirba grynojo pelno lyginant su jos pajamomis. Jis da\u017eniausiai i\u0161rei\u0161kiamas procentais.<\/p>\n<p><strong>Pinig\u0173 sraut\u0173 ataskaita<\/strong><span>\u00a0<\/span>\u2013 ataskaita parodanti \u012fmon\u0117s finansinius srautus ataskaitos sudarymo laikotarpiu. Ji atvaizduoja pinig\u0173 jud\u0117jim\u0105 \u012fmon\u0117je per tam tikr\u0105 laiko tarp\u0105.<\/p>\n<p><strong>Prid\u0117tin\u0117s i\u0161laidos \u2013\u00a0<\/strong>bendrasis terminas, vartojamas nurodant einam\u0105sias i\u0161laidas, patirtas vykdant verslo veikl\u0105. Joms priklauso administravimas, nuoma, pal\u016bkanos, reklama ir kt.<\/p>\n<p><strong>Skolos \u2013\u00a0<\/strong>l\u0117\u0161os, pasiskolintos i\u0161 kreditori\u0173. Dar gali b\u016bti vadinamos \u201ekreditais\u201c.<\/p>\n<p><strong>Trumpalaik\u0117s paskolos \u2013\u00a0<\/strong>finansiniai \u012fsipareigojimai, kurie tur\u0117t\u0173 b\u016bti \u012fvykdyti per vienerius metus.<\/p>\n<p><strong>Turto gr\u0105\u017ea (Return on Assets \u2013 ROA)<\/strong><span>\u00a0<\/span>\u2013 tai rodiklis, parodantis kiek \u012fmon\u0117 u\u017edirba pelno lyginant su jos turtu. Rodiklis apskai\u010diuojamas gryn\u0105j\u012f peln\u0105 dalinant i\u0161 \u012fmon\u0117s turto.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>J\u016bs\u0173 verslo id\u0117ja puiki ir \u012fkvepianti, pradin\u0117s investicijos \u012fgyvendintos, l\u0117\u0161os pl\u0117trai pritrauktos i\u0161 investuotoj\u0173. Pats laikas skirti kelet\u0105 minu\u010di\u0173 ir susipa\u017einti su pagrindiniais finans\u0173 terminais, kurie pad\u0117s ne tik pa\u010diam \u012fvertinti savo versl\u0105, bet ir suprasti k\u0105 kalba finans\u0173 analitikai. Aktyvai (l\u0117\u0161os) \u2013\u00a0visas \u012fmon\u0117s turtas, \u012fskaitant pinigus, inventori\u0173, i\u0161 anksto sumok\u0117tas sumas, transporto priemones. Aktyvai [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[44],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Finans\u0173 terminologija: k\u0105 turi \u017einoti kiekvienas verslininkas?<\/title>\n<meta name=\"description\" content=\"J\u016bs\u0173 verslo id\u0117ja puiki. 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