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What are the advantages and disadvantages for dealing with Individuals customers ?
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What are the advantages and disadvantages for dealing with corporate customers ?
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What do commercial bank DO :
Which of the following consider as a commercial
bank :
GBCORP
Commercial Bank
• A financial institution that provides services, such as
accepting deposits, giving business loans and auto
loans, mortgage loans, personal loans and basic
investment products like savings accounts and
certificates of deposit.
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Promissory Note Example
Loans Repayment
1. Periodically installment.
• Treasury rates.
• rL = BR + DR + TM + CF
where: rL = individual customer loan rate
BR = the base rate
DR = adjustment for default risk above base-rate
customers
TM = adjustment for term-to-maturity
CF = competitive factor
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Example : How to determine the rate
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Matched-funding loan pricing
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Analyzing, managing, and pricing credit risk
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Analyzing, managing, and pricing credit risk
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Effective Interest Rate (EIR)
InterestAm ount
EIR
loan. Amount CompensationBalance
6% * 30,000 1,800
0.666 6.67%
30,000 3,000 27,000
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