Posts by John Robertson

Taking a Deposit Neutral Approach in Relationship Pricing

Taking a Deposit Neutral Approach in Relationship Pricing

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The flattened yield curve has created a perplexing scenario for credit being applied to deposits. Operating expenses for deposits on average differ significantly due to the activity and processes put into place to manage the transactions. Demand Deposit Accounts (DDA)...
Self-Assessment of Pricing and Monitoring Performance Levels

Self-Assessment of Pricing and Monitoring Performance Levels

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Financial institutions should be constantly monitoring themselves in terms of efficiencies when building a process flow in several critical areas. Focusing on pricing and portfolio management, these two areas act as checks and balances against the decision making embedded in...

Why Practice Systematic Loan and Relationship Pricing?

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Financial institutions can be divided into two groups: those that are generally thorough and systematic about loan pricing, and those that are pricing on the back of a napkin. The obvious best approach unfolds when examining the best practices of...
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