Lecture
Loan Pricing
Description
This lecture covers the fundamental aspects of loan pricing, including the conditions for a positive expected return on a loan for a bank, institutional costs, expected loss on loans, non-performing loans, composition of funding in terms of debt vs. equity, evidence for loan pricing in Switzerland, and the impact of loan size and risk on interest rates. The instructor also discusses fixed vs. adjustable loan rates, the implications of market interest rate changes, and credit rationing in financial intermediation.
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