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Cost-plus loan-pricing model & Price-leadership model

 

Cost-plus loan:

A very simple loan-pricing model assumes that the rate of interest charged on any loan includes four components:

 

  • the funding cost incurred by the bank to raise funds to lend, whether such funds are obtained through customer deposits or through various money markets;
  • the operating costs of servicing the loan, which include application and payment processing, and the bank’s wages, salaries and occupancy expense;
  • a risk premium to compensate the bank for the degree of default risk inherent in the loan request; and
  • a profit margin on each loan that provides the bank with an adequate return on its capital.

 

Let’s consider a practical example: how this loan-pricing model arrives at an interest rate on a loan request of $10,000. The bank must obtain funds to lend at a cost of 5 percent. Overhead costs for servicing the loan are estimated at 2 percent of the requested loan amount and a premium of 2 percent is added to compensate the bank for default risk, or the risk that the loan will not be paid on time or in full. The bank has determined that all loans will be assessed a 1 percent profit margin over and above the financial, operating and risk-related costs. Adding these four components, the loan request can be extended at a rate of 10 percent (10% loan interest rate = 5% cost of funds + 2% operating costs + 2% premium for default risk + bank’s targeted profit margin). As long as losses do not exceed the risk premium, the bank can make more money simply by increasing the amount of loans on its books.

 

Price-leadership model :

The problem with the simple cost-plus approach to loan pricing is that it implies a bank can price a loan with little regard to competition from other lenders. Competition affects a bank’s targeted profit margin on loans. In today’s environment of bank deregulation, intense competition for both loans and deposits from other financial service institutions has significantly narrowed the profit margins for all banks. This has resulted in more banks using a form of price leadership in establishing the cost of credit. A prime or base rate is established by major banks and is the rate of interest charged to a bank’s most creditworthy customers on short-term working capital loans.

 

This “price leadership” rate is important because it establishes a benchmark for many other types of loans. To maintain an adequate business return in the price-leadership model, a banker must keep the funding and operating costs and the risk premium as competitive as possible. Banks have devised many ways to decrease funding and operating costs, and those strategies are beyond the scope of this article. But determining the risk premium, which depends on the characteristics of the individual borrower and the loan, is a different process.

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