1 / 14

Koger Propst, President

Access to Capital. Koger Propst, President. Status of Banks in Colorado. Main Street Businesses and Community Banks Caught in a Sub-Prime Trap Caused by Wall Street Most are Now Healthy Regulators and Public - Everything a Bank

norina
Télécharger la présentation

Koger Propst, President

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Access to Capital Koger Propst, President

  2. Status of Banks in Colorado • Main Street Businesses and Community Banks Caught in a Sub-Prime Trap Caused by Wall Street • Most are Now Healthy • Regulators and Public - Everything a Bank • Dodd-Frank – Solved Some Problems, but Harms Customer Access to Credit

  3. Status of Banks in Colorado • Dodd-Frank - Mortgage and Other Rules – End of Judgment Banking? • 40% Colorado Banks Self Identified – Not in Business Five Years • Why you Should Care…

  4. Is Your Banker Your Partner? • A Partner Makes Strategic Decisions • A Partner Shares in Operational Decisions • A Partner Equally Shares Risk • A Partner Equally Shares in Upside Return • Partner’s Interests are Fully Aligned

  5. Your Banker is NOT Your Partner • A Banker Advises on Your Strategy Only • A Banker may not Engage in Operational Decisions • A Banker Cannot Share in Risks – Banker Must be Right 99.9% of Time – Loans Need Multiple Sources of Repayment • A Banker not Share in Upside – Receives Fixed Interest whether you Return 5% or 50% ROI • A Banker’s Interest do not Fully Align – Your Banker Wants you to Succeed, but First Obligation is to Shareholders and Depositors

  6. Prepare to Win • Develop Your Full Skill Set – Technical, Financial, Managerial and Strategic • Network – You Need Friends • Do Your Research • Build Your Business Plan • Develop Plan B, Plan C and…

  7. Prepare to Win • Build a Key Support Team • Build Appropriate Financial Depth • Build Personal and Business Liquidity – You will need it! • Be Realistic

  8. The Power of Leverage

  9. The Danger of Leverage

  10. Sustainable Growth – 10% Retained Earnings Who Owns Your Company

  11. Dealing with Bankers - Advice • You Have One Mission – Long-Term Profits • Long-Term Profits Make all Other Goals Possible • Be Realistic • Picking the Right Banker – It Matters! • Bank’s are Regulated Institutions • No News is Not Good News – Communicate!

  12. Dealing with Bankers - Advice • When Win…Don’t be that Guy • Build Financial Depth and Liquidity • You and Your Banker Cannot Outsmart the Market – Homebuilders… • Don’t Chase Irrational Competitors • Build a Company that is Good in Good Times and Great in Bad Times

  13. Dealing with Bankers - Advice • If Win, Don’t Assume it Makes You an Expert in Everything. • Even if Your Banker Believes It! • “Play Above the Death Line” – Jim Collins in “Great by Choice” • Know Your Competencies

  14. Access to Capital • Thank You

More Related