GUIDE TO FINANCIAL MANAGEMENTeBook

 
GUIDE TO FINANCIAL MANAGEMENT
 
 
 
 
 


The role of the board

 


The directors of a company are people hired (and at times fi red) by the shareholders to be stewards of their investment. However, they need to balance this with their primary fiduciary duty as a director which is to act in the best interests of the company. Collectively, a board of directors has overall responsibility for running a company and setting and implementing its strategy.


In fulfilling the strategic aims of the company, the board will be responsible for making sure not only that the company has the necessary resources in terms of investment, assets and people, but also that there are appropriate operating controls and procedures for managing business risk and making sure that all monies that flow through the business are properly accounted for.


What is a successful business?


The media love to report on successful entrepreneurs and tell of how they beat the odds as they built their business and became household names. The media also enjoy revelling in the collapse of mighty organisations and unpicking the journey to their downfall. So what is it that defi nes business success or failure?


Many descriptions are used to describe success, including "the business is profi table", "revenue is growing" and "share price is rising". All these attributes are elements of success though individually they do not embrace the totality. To be successful in business is to "create a sustainable superior return on investment".


The core element of this defi nition is "return on investment" (roi). The business, having been built from money provided by investors, has a responsibility to reward those investors for risking their money in the venture. The roi is a measure of the reward being generated. The concept is similar to a savings account where an amount of money is placed on deposit with a bank and the investor earns interest on it. The investment in a savings account is seen as low risk and consequently the return that the investor will make is similarly low.


ROI for a savings account


Therefore, if a deposit of $1,000 is placed in a bank and the gross interest earned over a year is $50, the roi can be expressed as being 5%. For a business to be successful it needs to reward investors by making them wealthier than they would be by putting their money in a savings account. Why should they accept the greater risk of investing in a business, with all the uncertainty it faces, if they are not going to be any better off?


The return that investors would require might be double or more than a savings account depending on the perceived risk, which will be related to factors such as the nature and maturity of the business. The return in a business is derived from the profi t it generates compared with the money invested to achieve that profit.


ROI for a business




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