Master real-world business skills with our immersive platform and engaged community. After submitting your application, you should receive an email confirmation from HBS Online. STAY CONNECTED Every state has its own format for the individuals to submit their financial statements. << Alone, the balance sheet doesnt provide information on trends, which is why you need to examine other financial statements, including income and cash flow statements, to fully comprehend a companys financial position. /Annots [42 0 R 43 0 R 44 0 R 45 0 R 46 0 R 47 0 R 48 0 R 49 0 R 50 0 R 51 0 R << The first element of a good business budget is figuring out how much money you bring in on a monthly basis. /Parent 2 0 R This release is a summary of Fortum's January-December 2022 Financial Statements Bulletin. This tells you how much the company earned or lost over the period. Only quantitative data which can be expressed in monetary value are considered. Political Science Help your employees master essential business concepts, improve effectiveness, and Maps Collection /Resources 112 0 R Following are the importance of financial statements: 1. /Type /Outlines /Type /Page 0000000016 00000 n /Type /Page 11 0 obj Shareholders equity is the amount owners invested in the companys stock plus or minus the companys earnings or losses since inception. 1 Twitter 2 Facebook 3RSS 4YouTube << Its managements opportunity to tell investors what the financial statements show and do not show, as well as important trends and risks that have shaped the past or are reasonably likely to shape the companys future. Operating expenses are different from costs of sales, which were deducted above, because operating expenses cannot be linked directly to the production of the products or services being sold. %%EOF >> 1. /Resources 118 0 R Creditors: A financial statement is essential for a creditor to understand the credit worthiness of the business along with liquidity. Shankaracharya Since Microsoft Excel has all options, it is recommended to use it. /Annots [128 0 R] 4041 0 obj 1. How to Read a Balance Sheet They have to publish the same every year in this format alone. The fourth financial statement, called a statement of shareholders equity, shows changes in the interests of the companys shareholders over time. /Annots [119 0 R] If a company has a debt-to-equity ratio of 2 to 1, it means that the company has two dollars of debt to every one dollar shareholders invest in the company. The template samples, along with the statement of cash flow and balance sheet are one of the most significant methods of financial reporting. Financial statements seem to be as a confusing group of numbers but the investor can analyze and understand these numbers to get to important results concerning the company's current performance. << NOTES TO THE FINANCIAL STATEMENTS YEAR ENDED JULY 31, 2013. However, the law stipulates that they have to prepare the interim statements on a quarterly basis as well. These consolidated financial statements were approved for issue by the Board of Directors on February 23, 2023. /Resources 73 0 R :)C9 +0\Zeh^Qe2u`kt{ynF ,$_:e]yt~YI8CU` I9 24 0 obj All intercompany transactions and balances are eliminated in consolidation. (3dd4258a2cf84b08bf9ae9235cb2c7f4_73) [33 0 R /XYZ null 561 null] 4. The first part of a cash flow statement analyzes a companys cash flow from net income or losses. A financial statement is helpful in evaluating the earning capacity of a firm. Noncurrent assets are things a company does not expect to convert to cash within one year or that would take longer than one year to sell. /Length 294 10 0 obj /Contents 40 0 R endobj 27 0 obj Are you interested in gaining a toolkit for making smarter financial decisions and communicating decisions to key stakeholders? /Parent 2 0 R A company with a June year-end would issue annual statements in July or August; where as, a company with a December year-end would issue statements in . 502 0 obj <>stream Formal Company Financial Statement Template, 15. Financial Statements (Unaudited) 4 Consolidated Balance Sheets 4 Consolidated Statements of Operations 5 Consolidated Statements of Comprehensive Income 6 Consolidated Statements of Redeemable Noncontrolling Interests and Equity 7 Consolidated Statements of Cash Flows 9 Notes to Consolidated Financial Statements 10 Item 2. First, there are the fixed assets , which include the long-term assets of the firm, such as plant, equipment, land and buildings. << Access your courses and engage with your peers. /Annots [68 0 R] endobj The charge for using these assets during the period is a fraction of the original cost of the assets. 26 0 obj No one financial statement tells the complete story. 9 0 obj 0000004495 00000 n (3dd4258a2cf84b08bf9ae9235cb2c7f4_55) [23 0 R /XYZ null 558 null] the Company. This typically means they can either be sold or used by the company to make products or provide services that can be sold. Template And Sample Letters << << Both are important numbers to know. He finished seventh, but if he had won, it would have been a victory for financial literacy proponents everywhere. Basic Company Financial Statement Template, 10. If a company has an inventory turnover ratio of 2 to 1, it means that the companys inventory turned over twice in the reporting period. 0000009211 00000 n /F 2 << State the meaning of financial statements? If splitting your payment into 2 transactions, a minimum payment of $350 is required for the first transaction. /Type /Page First, there are the fixed assets , which include the long-term assets of the firm, such as plant, equipment, land and buildings. A balance sheet conveys the book value of a company. Income statements show how much money a company made and spent over a period of time. >> %%EOF Its so important to read the footnotes. If you do not receive this email, please check your junk email folders and double-check your account to make sure the application was successfully submitted. /Annots [62 0 R] cC#C@Cvq 6- 0 . Ideally, cash from operating income should routinely exceed net income, because a positive cash flow speaks to a companys financial stability and ability to grow its operations. Format: A balance sheet is presented in a standardized format, with assets listed first, followed by liabilities, and then equity. HIN1EI8 X A4|gABQIzIl>sGMn1o3]];}a>&%XdjUNYKas"zqTvP.UWp'mEGTs+p@gW/2& `CdCsRL`9I=mRfV &Qos"=@=NG ZX9z$GdGWxLhcY:Adg~8fC!Ku~u0TR4WlGuXm~YgP|v9SO# w hSKSQ?93/4*m4$jTj!ik+G*jC 36 0 obj A financial statement template is an essential tool in every company. 14 0 obj /Version /1.4 5 0 obj 0000004261 00000 n << Explore our online finance and accounting courses, and download our free course flowchart to determine which best aligns with your goals. 5. 2016-02, operating lease expenses should be included in income from continuing operations in the income . /Type /Page /Resources 127 0 R /Contents 123 0 R The financial statements in English language have been translated from the Thai language financial statements. Noncurrent assets include fixed assets. /Parent 2 0 R Hence, the financial statement of a manufacturing unit would be different from that of a restaurant. >> It also makes information available to external users or stakeholders who do not have direct access to the information. The second part of a cash flow statement shows the cash flow from all investing activities, which generally include purchases or sales of long-term assets, such as property, plant and equipment, as well as investment securities. /Next 138 0 R (3dd4258a2cf84b08bf9ae9235cb2c7f4_58) [23 0 R /XYZ null 367 null] /Contents 135 0 R Biology Premchand 0000002817 00000 n endobj >> 0000009535 00000 n Each part reviews the cash flow from one of three types of activities: (1)operating activities; (2)investing activities; and (3)financing activities. /Resources 58 0 R Financial statements do not portray the qualitative aspects of any transaction, the aspects such as size, color, quality, and capabilities. It shows its assets, liabilities, and owners equity (essentially, what it owes, owns, and the amount invested by shareholders). >> The most prominent of these topics are the theoretical framework of financial analysis, the study of financial statements, the statement of funds flows, the cash flow statement and. Company Financial Statement Template ncert.nic.in Details File Format PDF Size: 109 KB Download One can use this to easily calculate the profits, sales and costs of the company. >> 52 0 R 53 0 R 54 0 R 55 0 R 56 0 R] List any three objectives of financial statements? Social Science You can download this highly customizable file in PDF and edit it easily without requiring any special program. /MediaBox [0.0 0.0 612.0 792.0] HT0>u R(BH\H4iR#m,uYyb$L.*h@C!! /Resources 121 0 R BNSF Railway operates one of the largest railroad networks in North America. endobj << Current liabilities are obligations a company expects to pay off within the year. Operating margin is usually expressed as a percentage. /Annots [92 0 R] Operating activities detail cash flow thats generated once the company delivers its regular goods or services, and includes both revenue and expenses. 16 0 R 17 0 R 18 0 R 19 0 R 20 0 R 21 0 R 22 0 R 23 0 R 24 0 R 25 0 R Formal Company Financial Statement Template, 12. << Sociology 4077 0 obj Most companies expect to sell their inventory for cash within one year. And cash itself is an asset. All Puranas BNSF Railway operates over 32,500 route miles of track (excluding multiple /Resources 85 0 R Step 2. All applicants must be at least 18 years of age, proficient in English, and committed to learning and engaging with fellow participants throughout the program. Its called gross because expenses have not been deducted from it yet. >> You can see the PDF demo, size of the PDF, page numbers, and direct download Free PDF of Ncert Class 12 Accountancy Chapter 3 Exercise Solution using the download button. Its called net because, if you can imagine a net, these revenues are left in the net after the deductions for returns and allowances have come out. Interest income is the money companies make from keeping their cash in interest-bearing savings accounts, money market funds and the like. NCERT Solutions for Class 12 Accountancy Chapter 3 PDF Quick download linkis given at the bottom of this article. /Contents 102 0 R /Annots [65 0 R] 0000006441 00000 n endobj o /Contents 90 0 R It also includes things that cant be touched but nevertheless exist and have value, such as trademarks and patents. This would be useful for you when you apply for financial assistance from the banks. (3dd4258a2cf84b08bf9ae9235cb2c7f4_43) [21 0 R /XYZ null 753 null] /MediaBox [0.0 0.0 612.0 792.0] 13 0 obj hb```,,@( fn 8 If neither period presented has a net loss, the statement may be titled "Consolidated Statement of Income." fn 9 Upon adoption of FASB ASU No. /Parent 2 0 R Liabilities are generally listed based on their due dates. 0000001055 00000 n While the annual report offers something of a narrative element, including managements vision for the company, the 10-K report reinforces and expands upon that narrative with more detail. This statement would include the details of each asset and liability and help you in financial statement analysis. /Annots [98 0 R] While, preparing statement of profit and loss the revenue is included in the sales of the year in which the sale was undertaken even though the sale price may be received over a number of years. 38 0 obj Just below it, create a table to enter the . endobj Liabilities also include obligations to provide goods or services to customers in the future. They are: (1) balance sheets; (2) income statements; (3) cash flow statements; and (4) statements of shareholders' equity. >> /Parent 2 0 R >> xUuE_ 7L`lGR&M^?^H0z k#4. UPSC Free Material Valmiki /MediaBox [0.0 0.0 612.0 792.0] }fkYq1wq^gV%`VCf6- endobj /Contents 96 0 R /MediaBox [0.0 0.0 612.0 792.0] Financial statement analysis is a process of analyzing a company's financial statements and reports to assess its financial health, performance, and prospects. endobj Your profit each month will be determined by the earnings youre left with after paying all your costs. /Dest [6 0 R /XYZ null 752 null] /Parent 2 0 R We also allow you to split your payment across 2 separate credit card transactions or send a payment link email to another person on your behalf. /Parent 2 0 R hXr8~}5e5q V~xrLNR>paLaC_iB6`ahQ8([! /MediaBox [0.0 0.0 612.0 792.0] /Parent 3 0 R /Type /Page 3. Income Statement Analysis Most analysts start their financial statement analysis with the income statement. This financial statement template is produced in Microsoft excel program and downloadable for free. Depreciation is also deducted from gross profit. %PDF-1.7 % /Type /Page /Type /Page Please review the Program Policies page for more details on refunds and deferrals. Describe the content and purpose of each of the financial statements. /Type /Page The interest income and expense are then added or subtracted from the operating profits to arrive at operating profit before income tax. >> /Contents 63 0 R /Resources 67 0 R << Listed below are just some of the many ratios that investors calculate from information on financial statements and then use to evaluate a company. << /Resources 109 0 R Our platform features short, highly produced videos of HBS faculty and guest business experts, interactive graphs and exercises, cold calls to keep you engaged, and opportunities to contribute to a vibrant online community. /Kids [6 0 R 7 0 R 8 0 R 9 0 R 10 0 R 11 0 R 12 0 R 13 0 R 14 0 R 15 0 R 4 0 obj It includes analyzing financial data such as income statements, balance sheets, and cash flow statements to help make decisions about the company's future. /MediaBox [0.0 0.0 612.0 792.0] Although this brochure discusses each financial statement separately, keep in mind that they are all related. So the number is gross or unrefined. Every business is unique in its own way. (3dd4258a2cf84b08bf9ae9235cb2c7f4_49) [21 0 R /XYZ null 360 null] /MediaBox [0.0 0.0 612.0 792.0] (3dd4258a2cf84b08bf9ae9235cb2c7f4_25) [15 0 R /XYZ null 752 null] Financial analysis is the process of examining a company's performance in the context of its industry and economic environment in order to arrive at a decision or recommendation. It includes every aspect of corporate activities. /Contents 114 0 R /Annots [101 0 R] There are four main financial statements. 143 0 obj <> endobj @QIe@*bPKl0!Lw Our easy online application is free, and no special documentation is required. 0000003443 00000 n Take your career to the next level with this specialization. >> At the top of the income statement is the total amount of money brought in from sales of products or services. If you can follow a recipe or apply for a loan, you can learn basic accounting. /Contents 84 0 R This article will teach you more about how to read a balance sheet. 0000009066 00000 n % The literal bottom line of the statement usually shows the companys net earnings or losses. 0 /Parent 2 0 R 8 0 obj /Annots [77 0 R] This financial statement forms lets you calculate quarterly P&L for your business for entire year. 5. /Resources 94 0 R With a cash flow statement, you can see the types of activities that generate cash and use that information to make financial decisions. Financial statements are the end products of an accounting process, it provides a true picture of the performance of the company over a time period and such a statement is used by different users of accounting information. Current assets are things a company expects to convert to cash within one year. This calculation tells you how much money shareholders would receive if the company decided to distribute all of the net earnings for the period. << The companies have to adhere to the same in all respects. Simple Company Financial Statement Template, 11. Financial statements are often audited by government agencies,. State Liquor Price Lists 18045 0 obj <> endobj << YES . 473 0 obj <> endobj Data contained in documents filed after 5:30PM Eastern on the last business day of a quarter will be included in the subsequent quarterly posting. Other information regarding financial condition. /F 2 << NCERT Textbook And Solution PDF This calculation tells you how much money shareholders would receive for each share of stock they own if the company distributed all of its net income for the period. Instead of generating particular information useful for specific users, the business prepares a set of financial statements, which in general satisfies the informational needs of the users. /Type /Page (3dd4258a2cf84b08bf9ae9235cb2c7f4_1) [6 0 R /XYZ null 752 null] /Resources 106 0 R 2. 2. Balance sheets show what a company owns and what it owes at a fixed point in time. /MediaBox [0.0 0.0 612.0 792.0] endobj xref (Net profit is also called net income or net earnings.) o Yes o No Participation or beneficiary to trust, estate, etc. The financial templates can serve as a blueprint for your companys financial activities. A great perk of using a finance template is that you will be able to factor in one-time purchases better than ever before. /Parent 2 0 R The corporate companies have to follow a fixed format for reporting their financial statements. 23 0 obj endobj /CreationDate (D:20230226230005+00'00') It shows the record of the actual financial transaction of the company. (3dd4258a2cf84b08bf9ae9235cb2c7f4_37) [19 0 R /XYZ null 753 null] Hence data and information are historical in nature. What are the limitations of financial statements? endobj /Contents 111 0 R 0000011270 00000 n Aside from the size and nature, all businesses and companies can use this financial statement template to create spotless financial statements in order to make the financial reporting procedure most effective. All programs require the completion of a brief application. /Count 10 3. 15 0 obj Here's a look at each and the purpose it serves: 9.3 Financial Statements It has been emphasised that various users have diverse informational requirements. (3dd4258a2cf84b08bf9ae9235cb2c7f4_52) [21 0 R /XYZ null 274 null] 6H[P$B^\;Tnqn[q]zclg)RbHc! /Dests 37 0 R /C [0.0 0.0 0.0] 3. Sample Company Financial Statement Template, 2. This money belongs to the shareholders, who may be private owners or public investors. (3dd4258a2cf84b08bf9ae9235cb2c7f4_40) [19 0 R /XYZ null 456 null] In all cases, net Program Fees must be paid in full (in US Dollars) to complete registration. /Resources 115 0 R Its the amount of money that would be left if all assets were sold and all liabilities paid. Exam Question Paper Cash flows provide more information about cash assets listed on a balance sheet and are related, but not equivalent, to net income shown on the income statement. endobj If you check the. DISCLAIMER: The Financial Statement Data Sets contain information derived from structured data filed with the Commission by individual registrants as well as Commission-generated filing identifiers. Hanuman Prasad 22 0 obj On the left side of the balance sheet, companies list their assets. The applications vary slightly from program to program, but all ask for some personal background information. Owners equity refers to the net worth of a company. The chronologically recorded facts about events expressed in monetary terms for a defined period of time are the basis for the preparation of periodical financial statements which reveal the financial position on a date and the financial results obtained during a period. Oftentimes, the certified public accountant (CPA) who performs your general accounting and/or bookkeeping and prepares your annual tax return can also prepare your financial statements and, in addition, perform the appropriate >> The next section deals with operating expenses. They reflect a combination of recorded facts, accounting principles, and personal judgments. /ModDate (D:20230226230005+00'00') These organizations have to declare these statements for the benefit of their donors. It provides you with income statement formats. /Annots [113 0 R] /Resources 61 0 R While accountants and finance specialists are trained to read and understand these documents, many business professionals are not. They show you where a companys money came from, where it went, and where it is now. State the importance of financial statements to (i) shareholders 21 0 obj (3dd4258a2cf84b08bf9ae9235cb2c7f4_28) [15 0 R /XYZ null 684 null] Both an annual and 10-K report can help you understand the financial health, status, and goals of a company. endstream endobj startxref /MediaBox [0.0 0.0 612.0 792.0] /Type /Pages 0000003906 00000 n To understand a companys financial positionboth on its own and within its industryyou need to review and analyze several financial statements: balance sheets, income statements, cash flow statements, and annual reports. /Resources 39 0 R /C [0.0 0.0 0.0] This Financial Statement Template would help you to procure the information in a structured format and classify them accordingly under the various heads. endobj /Dest [34 0 R /XYZ null 752 null] It demonstrates an organizations ability to operate in the short and long term, based on how much cash is flowing into and out of it. JJ's Lawn Care Service Balance Sheet May 28, 2003 Assets Liabilities and Owners' Equity Cash $ 3,425 Liabilities: Accounts Receivable 75 Notes Payable $ 13,000 Tools & Equipment 2,650 Accounts Payable 150 Truck 15,000 Total Liabilities 13,150 Owners' Equity: Capital Stock 8,000 Total $ 21,150 Total $ 21,150 McGraw-Hill/Irwin The McGraw-Hill (3dd4258a2cf84b08bf9ae9235cb2c7f4_16) [12 0 R /XYZ null 752 null] Save my name, email, and website in this browser for the next time I comment. /Type /Page /Parent 2 0 R 4. >> A financial statement helps in revealing the true financial position of a company. 2. The three core financial statements are the income statement, balance sheet, and cash flow statement. Next companies must account for interest income and interest expense. Printable Company Financial Statement in PDF, 14. /Parent 2 0 R Annual Statements. /MediaBox [0.0 0.0 612.0 792.0] Financing activities detail cash flow from both debt and equity financing. The balance sheet displays the companys total assets and how these assets are financed, thought either debt or equity. endobj This is a financial statement templates wherein you will include the financial details of your business. endobj All Rights Reserved 2014 - 2022 Template.net. When you subtract the returns and allowances from the gross revenues, you arrive at the companys net revenues. education Financial Statements 2021' ('Example Financial Statements'). Youve probably heard people banter around phrases like P/E ratio, current ratio and operating margin. But what do these terms mean and why dont they show up on financial statements? 1 0 obj The banks and other financial institutions would require this information from you when you apply for financial assistance. This leftover money belongs to the shareholders, or the owners, of the company. >> >> /Parent 2 0 R /MediaBox [0.0 0.0 612.0 792.0] 4. The statement of equity adjustments is also known as the statement of retained earnings in the United States. Usually they reinvest them in the business. /MediaBox [0.0 0.0 612.0 792.0] One can use this to easily calculate the profits, sales and costs of the company. hbbd``b` $ E '` I3@@B#c&Hu?{ > * <>stream While some of these items may come up unexpectedly, like the purchase of a laptop to replace the one that crashed, others can be budgeted for months in advance, like that business retreat youve been eyeing, to protect your business from financial burden. Stock Market /Annots [122 0 R] So are investments a company makes. 0 /MediaBox [0.0 0.0 612.0 792.0] Armed with this knowledge, investors can better identify promising opportunities while avoiding undue risk, and professionals of all levels can make more strategic business decisions. 31 0 obj The accompanying notes are an integral part of these consolidated financial statements. Beyond the editorial, an annual report summarizes financial data and includes a company's income statement, balance sheet, and cash flow statement. 0000069846 00000 n Updates to your application and enrollment status will be shown on your Dashboard. It may be noted that the financial statements constitute an integral part of the annual report of the company in addition to the directors report, auditors report, corporate governance report, and management discussion and analysis. On the right side, they list their liabilities and shareholders equity. If youre new to the world of financial statements, this guide can help you read and understand the information contained in them. Moving down the stairs from the net revenue line, there are several lines that represent various kinds of operating expenses. A financial statement helps determine the prospects and viability of new investments. 6. This is a comprehensive spreadsheet for creating professional financial projections for up to few years specifically designed for digital (online) business. The companys stock is selling at 10 times its earnings. o Yes o No Bankruptcies . Dictionary Income statements show how much money a company made and spent over a period of time. ` >>>/Metadata 71 0 R/Names 164 0 R/Outlines 130 0 R/Pages 138 0 R/Type/Catalog/ViewerPreferences<>>> endobj 145 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/XObject<>>>/Rotate 0/Tabs/W/Thumb 58 0 R/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 146 0 obj <>>>>>/Subtype/Form/Type/XObject>>stream The 2009-2018 data sets were refreshed to remove character restraints and other processing fixes that had yet to be processed retroactively. >> /MediaBox [0.0 0.0 612.0 792.0] 4041 37 0000002773 00000 n >> 2015-16 /Resources 82 0 R And information is the investors best tool when it comes to investing wisely. /Contents 87 0 R 29 0 obj Lf[ From an individual's perspective, the type of financial statement that suits their situation is a Personal Financial Statement. /Type /Page Here are some of the highlights: You can find a narrative explanation of a companys financial performance in a section of the quarterly or annual report entitled, Managements Discussion and Analysis of Financial Condition and Results of Operations. MD&A is managements opportunity to provide investors with its view of the financial performance and condition of the company. /Count 29 financial statement analysis types and importance web nov 13 2022 the three main types of financial statements are the following 1 cash flow statement a Explain the basic assumptions and principles underlying financial . 10-K reports are organized per SEC guidelines and include full descriptions of a companys fiscal activity, corporate agreements, risks, opportunities, current operations, executive compensation, and market activity. The complete report is attached to this release as a PDF file. No, Harvard Business School Online offers business certificate programs. 162 0 obj <>/Filter/FlateDecode/ID[<47180388EEE54B7090C55F1AE13D9A2C><0FDB7FF41F72E647951C754FEC397CB6>]/Index[143 53]/Info 142 0 R/Length 98/Prev 692297/Root 144 0 R/Size 196/Type/XRef/W[1 3 1]>>stream 25 0 obj Data sets will be updated quarterly. Stotram endobj Then you go down, one step at a time. However, having positive cash flow doesnt necessarily mean a company is profitable, which is why you also need to analyze balance sheets and income statements. Sometimes balance sheets show assets at the top, followed by liabilities, with shareholders equity at the bottom. 0000012038 00000 n While cash flow refers to the cash that's flowing into and out of a company, profit refers to what remains after all of a companys expenses have been deducted from its revenues. Financial statement is biased in nature as it is dependent on human interference. /Count 0 The American Institute of Certified Public Accountants states the nature of financial statements as, the statements prepared for the purpose of presenting a periodical review of the report on progress by the management and deal with the status of investment in the business andthe results achieved during the period under review. 0 0000069582 00000 n << (Companies almost never distribute all of their earnings. box, please give dates and explain below. 0000004847 00000 n This template helps to create annual profit projection for up to four physical products or services. 17 0 obj Get Access to ALL Templates & Editors for Just $2 a month. Fixed assets are those assets used to operate the business but that are not available for sale, such as trucks, office furniture and other property. These distributions are called dividends. 0000005086 00000 n endobj Depreciation takes into account the wear and tear on some assets, such as machinery, tools and furniture, which are used over the long term. Maharshi Vedvyas /Pages 2 0 R 0000010547 00000 n >> 4076 0 obj << 2.2 Basis of consolidation a) The consolidated financial statements include the financial . Liabilities refer to money a company owes to a debtor, such as outstanding payroll expenses, debt payments, rent and utility, bonds payable, and taxes.
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