Commercial Lending: Improving Commercial Loan Pricing and Profitability 2023 - Webinar | Iowa Bankers Association | 20 November 2023 | Virtual Event

Join and learn about understanding how your bank’s financial structure and performance creates advantages and disadvantages. It all starts with the loan-to-deposit ratio, then extends to the various metrics that drive calculating the profitability of loans, in terms of return on equity (ROE). Knowing these key variables, the next element is scouting the competition. Uncertain times bring confusion to a competitive market. We’ll cover several ways to do this. No more complaining that the competition did something foolish, because usually they did not. Sharpening your bidding skills comes next. Most pricing situations effectively are bid situations, whether you know it or not. We’ll cover several strategies to use.

Why you should attend:
• The key variables that determine loan profitability, plus a simple calculation example
• Using each variable to uncover possible advantages and disadvantages your bank may encounter with your competitors
• Understanding that it is not a “level playing field” when you compare to non-bank competitors
• Obtaining premiums (yes, you can)
• Options, options, options are your friend
• Being proactive
• Keeping the economic cycle in mind