Bankers: What is Your “Well-Capitalized?”
TKG has had the distinct impression that the bank regulatory community is not pleased with certain limitations and exemptions from Section 171 of the Dodd-Frank Act, the section that covers […]
Loan Pricing: Must It Be So Complicated?
When it comes to pricing loans, my experience tells me we use competitor pricing as our de facto pricing model. For consumer and residential loans, where rates and fees appear […]
Risk Adjusted Return on Capital (RAROC) for Financial Institutions
How do you measure the profitability of lines of business, products, or customers? The simplest form is in dollars. But does that measure the profits against the investment required to […]