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Commercial Loans at banks: How profitable are they?

Posted on May 6, 2016July 6, 2018 by Alan_Lee

Commercial Loan Pricing leads to Profits

Commercial Loans at banks: How profitable are they? Profitability of Commercial Loans at banks According to the Wall Street Journal, US banks are lending to business again. Loans to commercial and industrial firms rose by 8.5% in the first quarter of 2015. The rate of lending to business is overtaking the rate of residential mortgages for the first time since the 1980s. According to consu...

How Profitable Are Commercial Bank Loans?

Posted on June 26, 2015July 6, 2018 by Alan_Lee

How Profitable Are Commercial Bank Loans? Interest Rate and commercial loan demand forecast Phill Rowley was once quoted in the newspaper as saying “Interest rates will go up, down or stay the same”. It was from an interview he had given and that is all the reporter wrote. He wanted to simplify it but the uncertainties in future interest rate moves have filled text books. We all know in...

Why Your Survival and Profitability Depend on the Answer to One Question- Where Do Banks Make Money – Deposits, Loans or Both and How is That Measured

Posted on May 8, 2015July 6, 2018 by Alan_Lee

Why Your Survival and Profitability Depend on the Answer to One Question: Where Do Banks Make Money – Deposits, Loans or Both and How is That Measured? Where do banks make money – deposits, loans or both and how is that measured? The number and types of services and products offered by banks is constantly evolving. Gone are the simple days of banks only earning revenue based on the l...

Understanding the Value of Graduate Banking Schools

Posted on May 1, 2015July 6, 2018 by Alan_Lee

Understanding the Value of Graduate Banking Schools Value of Graduate Banking Schools The financial landscape in the US is constantly growing and changing. As bankers and regulators, it is crucial that we learn to navigate the advancing technology, global issues, and challenging times. There is an increasing need for leadership in the industry. Graduate programs in banking assist us in u...

The Banking Industry is Asking What is the Destiny of Community Banks?

Posted on April 17, 2015July 6, 2018 by Alan_Lee

The Banking Industry is Asking What is the Destiny of Community Banks? What is the destiny of community banks? It’s undeniable that technology and non-bank businesses have introduced new options for bank customers and a topic of discussion these days is What is the destiny of community banks? The answer to the question depends on the response of the banks themselves. Whether customers c...

With All of the New Found Technology, Are Bank Branches Becoming a Thing of the Past?

Posted on April 3, 2015July 6, 2018 by Alan_Lee

With All of the New Found Technology, Are Bank Branches Becoming a Thing of the Past? Are bank branches a thing of the past? Are bank branches becoming a thing of the past? With all of the technology resources at our fingertips, in the future, doing banking in person will be obsolete. Remember the days when you had to use your lunch break just to get your banking done? Those days are...

Are Banking Regulations Getting Unbearable for Bankers? Decline in New Banks Indicates the Answer is Yes!

Posted on March 20, 2015July 6, 2018 by Alan_Lee

Are Banking Regulations Getting Unbearable for Bankers? Decline in New Banks Indicates the Answer is Yes! Are banking regulations getting unbearable for bankers? When the Federal Reserve Board recently released an update on its FAQs list for what is known as the Volcker rule, a question started to form in the minds of many bankers and economists: Are banking regulations getting unbea...

US Banks Payroll Trends / Staffing Reflect Customer Activity

Posted on February 20, 2015July 6, 2018 by Alan_Lee

US Banks Payroll Trends / Staffing Reflect Customer Activity US Banks payroll trends / staffing Bank transactions involving a teller averaged 5,600 in 2013 falling from 7,600 in 2008 and forecast to drop to 4,800 in 2016. So, how is this affecting US Banks payroll trends / staffing? As visits to bank branches decline and competition for revenue increases, smaller banks are examin...

Trends in small business lending for 2015

Posted on December 26, 2014July 6, 2018 by Alan_Lee

Trends in small business lending for 2015 Last month, the Fed published a report about the trends in small business lending stating that lenders should expect to receive a larger number of loan applications in 2015 compared to 2014. This would mark a fourth consecutive year of increase since that number was 53,848 in 2012, 54,016 in 2013, and 58,000 this year. However, it’s important to note...

Commercial Loan Pricing Trends to Keep an Eye On

Posted on December 5, 2014July 6, 2018 by Alan_Lee

Commercial Loan Pricing Trends to Keep an Eye On Commercial Loan Pricing Commercial loans have long been the largest asset earners for banking institutions, but since the economic crisis of 2008 the number of non-traditional commercial loan lenders has skyrocketed. Commercial loan pricing in recent times has gone from price-setting to price-taking with the increased amount of competition...

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