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Loan Competition

Profitability of Commercial Loans at Banks in Today’s Competitive Environment

Profitability of Commercial Loans at Banks in Today’s Competitive Environment Profitability of Commercial Loans at banks As alternative lenders and online competitors proliferate, traditional banks with high overhead could see their customer base erode.  With high origination expenses, processing and infrastructure requirements, Profitability of Commercial Loans at banks becomes problematic ...
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Profitable Commercial Loan Pricing Just Became More Competitive with Entry of Credit Unions into Commercial Lending Market

Profitable Commercial Loan Pricing Just Became More Competitive with Entry of Credit Unions into Commercial Lending Market Commercial Loan Pricing Since the 2008 global downturn and resulting financial crisis, the ability to competitively price commercial loans has been difficult for most bankers. Systemic risk regulations, increased capital requirements for banks and the enhanced regulation...
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Commercial loan pricing model: Spread-based or ROA?

Commercial loan pricing model:  Spread-based or ROA? Commercial loan pricing model The commercial loan pricing market is complicated.  Competition for loans is increasing, and competition for quality loans is increasing at what seems to be an exponential rate.  Determining what will work best as a commercial loan pricing model is important, as it allows for reduced complication in the struct...
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Commercial Loan Pricing Trends to Keep an Eye On

Commercial Loan Pricing Trends to Keep an Eye On Commercial Loan Pricing Commercial loans have long been the largest asset earners for banking institutions, but since the economic crisis of 2008 the number of non-traditional commercial loan lenders has skyrocketed. Commercial loan pricing in recent times has gone from price-setting to price-taking with the increased amount of competition...
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