Loan pricing guidelines

John Barrickman

American Bankers Association, 1988, vol. 02, issue 01

Abstract: The objectives of loan pricing are to recover costs and meet profit objectives. Banks must determine their costs and account for borrower and interest rate risks. Compensating balances and fees can be used to meet income requirements. An optimum pricing strategy incorporates a specific spread over the cost of funds. Account-analysis or customer profitability systems can be used to evaluate pricing.

Keywords: Agricultural; Finance (search for similar items in EconPapers)
Date: 1988
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