September 2002
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8,000 Institutions Can Be Wrong: Loan Pricing in the 21st Century
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By Thomas A. Hannagan
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The results of a survey of 38 small and medium banks, when expanded to reflect all banks of similar size, indicate that approximately 500 banks nationwide are estimated to be doing a reasonably good job of loan pricing. The rest, conjectures the author, are flying by the seat of their pants and pricing to competitors. This article reports on the survey and argues that a systematic loan-pricing strategy is possible for banks of all sizes and offers many benefits. Click here to read the full article
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