Get the Latest Loan Profitability Insights and Tools
Pricing loans is more difficult than ever. The good news is that we can help your bank better understand your pricing and profitability with the following analyses, articles and product demonstration.
Get Started with These Bank Specific Analyses
Choose one or more of the following pricing and profitability analyses:
- - Cost of Funds Analysis
- - Deposit Beta Analysis
- - Loan Scenario ROE Analysis
Check Out Our Latest Loan Profitability Articles
Loan Risk and Return – The Two Loan Riddle
It is rare that banking lends itself to a logic test, but we have been trying this loan risk and return riddle on hundreds of bankers across the country for years, and only a few bankers choose the correct answer.
Why Commercial Loan Prepayment Speeds Matter
The biggest surprise for bank managers using risk-adjusted return on capital (RAROC) loan pricing models is the low return on equity (ROE) on smaller, shorter, and lower-credit quality commercial loans. Those ROEs tend to subtract substantial value from the bank...
Here Is a Comparison of 6 Bank Pricing Strategies
Unfortunately, bank product pricing is essentially an afterthought in our industry. Few bankers study bank pricing, and few apply quantitative rigor to pricing optimization. We often price products and services without regard to cost...
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