The Survey of Canadian Bank Pricing is a tool to analyze and benchmark bank borrowing cost and/or service fee arrangements when negotiating a company's bank borrowing cost and/or service fee arrangements.
Data is presented in easy to understand graphs. Sections are headed up by executive summaries. Commentary reflects a "What does the data mean?" perspective. Every effort has been taken to ensure the CBI's 2009 Survey of Canadian Bank Pricing is a working document, one that will make a difference to financial executives charged with managing their company's bank pricing.
The 2009 Survey of Canadian Bank Pricing is the one document that can help you prepare for, and better manage, the pricing side of bank negotiations. Understand what's between the report's covers and you will be equipped to look after your company's interests next bank renewal. If you are ready to purchase the survey report, simple click here.
| Introduction |
| The Structure of Bank Negotiations |
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Structural Factors Influencing Bank Negotiations |
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Principled Negotiating and Benchmarking |
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Commonly Asked Questions: |
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What Bank Has the Best Prices? |
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Why Doesn't Tendering Produce Better Results? |
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How Will Banks React to Benchmarking? |
| Lending Covenants & Security Arrangements |
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Security Agreement Structure |
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Financial Performance Covenants |
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Current Ratio |
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Debt to Net Worth Ratio |
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Debt to EBITDA Ratio |
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Interest Coverage Ratio |
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Additional Financial Covenants |
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Margining |
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Inventory Margining |
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Accounts Receivable Margining |
| Operating Line of Credit Pricing |
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Canadian Operating Line of Credit Pricing |
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Size of Operating Credit Line |
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Annual Revenue |
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Shareholders' Equity |
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Debt to Tangible Net Worth |
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Size, Leverage and Operating Line of Credit Pricing |
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US Operating Line of Credit Pricing |
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Syndicated Debt |
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Term Debt |
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Operating Line of Credit Fees |
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Renewal or Arrangement Fees |
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Standby Fees |
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Letters of Credit and Letters of Guarantee |
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Pricing Grids |
| Banker's Acceptances & LIBOR Borrowing |
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Overview & BA Usage |
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The Logic & Pricing Advantage of BA's |
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BA Stamping Fee Pricing - Prime Borrowers |
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BA Stamping Fee Pricing - Bracket Pricing |
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Negotiating BA Pricing |
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LIBOR Overview |
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LIBOR Mark-up Pricing |
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The Pricing Advantage of LIBOR |
| Interest Compensation |
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Canadian Surplus Balances |
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US Surplus Balances |
| Foreign Exchange |
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Overview |
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Managing XF Pricing in Companies With: |
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Small FX Volumes |
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Intermediate Volumes |
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Large FX Volumes |
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Issues in Evaluating the Competitivesness of FX Pricing |
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Dynamic Benchmarking |
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Calculating FX Mark-ups |
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Realizing FX Cost Savings |
| Service Charges |
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Patterned Bargaining & Current Account Service Charges |
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Canadian Current Account Service Charges |
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Cheque Pricing |
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Deposit Pricing |
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Encoding |
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Minor Current Account Service Charges |
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Currency Charges |
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US Current Account Service Charges |
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Cash Management Service Charges |
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Electronic Fund Transfer (EFT) Service Charges |
| Credit and Debit Card Fees & Charges |
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Overview |
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The Issues: |
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Credit Cards |
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Debit Cards |
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The Credit Cards Companies Reply |
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Corporate Response to Credit and Debit Card Fee Changes |
| The Future of Benchmarking |
| Survey Methodology |
| Glossary |
| Addendum: Managing Bank Pricing in a Recessionary Environment |
CB Intelligence Inc is a consulting firm that publishes the 2009 Survey of Canadian Bank Pricing. To learn more about CBI or to order the Survey of Canadian Bank Pricing, please visit http://www.banksurvey.ca.
