对外经济贸易大学：《银行管理学 Bank Management》课程教学资源（授课教案课件）Chapter 12 Customer Profitability Analysis and Loan Pricing

卧的贸易孝 1951 Chapter 12 Customer Profitability Analysis and Loan Pricing

Chapter 12 Chapter 12 Customer Profitability Customer Profitability Analysis and Loan Analysis and Loan Pricing Pricing

Customer profitability analysis The analysis procedure compels banks to be aware of the full range of services purchased by each customer and to generate meaningful cost estimates for providing each service. The applicability of customer profitability analysis has been questioned in recent years with the move toward unbundling services. 的资5土号

Customer profitability Customer profitability analysis analysis † The analysis procedure compels banks to be aware of the full range of services purchased by each customer and to generate meaningful cost estimates for providing each service. † The applicability of customer profitability analysis has been questioned in recent years with the move toward unbundling services

Account analysis framework Customer profitability analysis is used to evaluate whether net revenue from an account meets a bank's profit objectives. Account Revenue≤≥ Account Expenses Target Profit 的资5土号

Account analysis framework Account analysis framework † Customer profitability analysis is used to evaluate whether net revenue from an account meets a bank’s profit objectives. Account Revenue ≤ ≥ Account Expenses + Target Profit

Identify the full list of services used by a customer Transactions account activity ▣Extension of credit Security safekeeping,and Related items such as: ■Vire transfers ■Safety deposit boxes ■Letters of credit I Trust accounts 制卧所贸易大考

Identify the full list of services Identify the full list of services used by a customer used by a customer † Transactions account activity † Extension of credit † Security safekeeping, and † Related items such as: „ Wire transfers „ Safety deposit boxes „ Letters of credit „ Trust accounts

Expense components ▣Noncredit services ▣Credit Services ■Cost of funds ■Loan administration ■Default risk expense 麓行黄事大孝

Expense components Expense components † Noncredit services † Credit Services „ Cost of funds „ Loan administration „ Default risk expense