Finance 3.0 - Social Network for Finance
Smart financial thinking
-
elite885
- Male
- Absecon, NJ
- United States
- Market Analyst
- Share
- Share on Twitter
- Share on Facebook
- Blog Posts
- Discussions (4)
- Events
- Groups
- Charts
- Chart Portfolios
- Videos
- elite885's Apps (1)
elite885's Discussions
All about Commercial Lending
Started Jan 28
How should a bank price its CD rates to maintain a specific CD portfolio
9 Replies
Started this discussion. Last reply by Naresh Goyal Jan 8.
guidance for financial analysis
Replied Dec. 22, 2009
elite885's Page
Gifts Received
elite885 has not received any gifts yet
Latest Activity
Does anyone have any books, great articles, spreadsheets or any information on Commercial Lending? from basics to advance? Any help would be appreciated! Thanks.
Attached pl. find the revised calc. as per your inputs. The NSDL ISIN fee is Rs 10,000 for 5 CD issues in a year and hence I have not taken this cost into account.
I have taken the maturity amount of CD as INR 1 lakh as this is the minimum lot in wh…
thanx a ton Sacha, for your valuable inputs. I shall try & incorporate all inputs to present a revised model shortly.
Naresh
This model is very cool, extremely versatile. A few suggestions:
1. Since CDs are discounted instruments (i.e. issued at a discount to face value) they do not pay any coupons, the gain to the investor comes from the difference between the purchase p…
Thanx Venkat for your response.
I also wonder as to why the Banks raise funds thru CD issuance even when the credit growth/demand is very low. Currently, in India, the credit growth is close to just 10% and such low credit growth can be met thru gr…
Uploading .xls file.
Sacha your comments & suggestions are very important for me to modify / update it.
rgds
Naresh
Please upload an xls file for old-timers' benefits.
Hi Naresh, its a nice model. I am jus wondering does indian banks do this type calculation before issuing CDs, because what i observed is CD rates are generally market driven, depending on liquidity which effects the demand and supply in CD market.…
Attaching a revised model.
seek comments for improvements.
rgds
Naresh
Attaching a very rough model (prepared according to Indian environment). I am not sure weather I have taken into account all the aspects or not.
Request comments for modifications / updations in the same.
rgds
Naresh
Does Anyone have a model or can help me or give me an idea of how a bank should price its cds compared to its peers to maintain a specific portfolio? should i use a median rate amongst the peers or an average to compare the rates? any help would be…
what are some of the best practices to forecast next year deposit growth and account growth for a particular bank branch and the bank as a whole. Should we look at the NET number or Gross number when we are forecasting? what are some metrics to proj…
Profile Information
- Profession:
- Market Analyst/Banker
- Current Role:
- Market Analyst
- Past Experience:
- 6+ years in Banking
- Education:
- Bachelors of Science in Finance/Minors in Comp Science
- Current Location:
- New Jersey
- Interested In:
- career opportunities, knowledge and training, job enquires, getting back in touch
Sign in
Badge
Continuing Education
 |
Accounting |
 |
Banking Regulations |
 |
Certification Training |
 |
Commercial Bank Management |
 |
Corporate Finance & Valuation |
 |
Treasury Management |
 |
Credit Risk Management |
 |
Financial Derivatives |
 |
Financial Institution Management |
 |
Financial Markets |
 |
Financial Modeling |
 |
Financial Planning |
 |
Market Risk Management |
 |
Operational Risk Management |
 |
Operations & Compliance |
 |
Quantitative Analysis |
 |
Strategic Financial Management |
Newsletter
Linkedin
RSS
Facebook
Widgets
Twitter© 2010 Created by Finance 3.0
